23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited a check via de Chase Bank XXXX XXXX, for the amount of {$4300.00}. The bank placed a 10 day hold on the check. On XX/XX/XXXX I contacted a representative of the company that had issued the check and she verified that the check had cleared on their end already. However the hold on my part continued. On XX/XX/XXXX I logged in to verify that the hold had been removed, which it had. On XX/XX/XXXX I logged in to check my account and I was unable to see the account. I immediately proceeded to go to a branch and figure out what was going on. In the Chase branch a representative was able to confirm that my account had been closed without notice on XX/XX/XXXX but was unable to provide further details and said that a check would be sent out to my home address in 7-10 business days.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( Experian ) XXXX, XX/XX/2024 about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information ; List inaccurate information here Last name XXXX List inaccurate information here XXXX XXXX XXXX My only name XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl XXXX My only date of birth is XXXX My only employer is XXXX___________ Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ) ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I have have a Home Equity line of credit for about XXXX years. with PNC bank. 

This past XX/XX/XXXX, I do not receive my monthly statement. I went into the bank and they said because everyone was assigned a new account number, a lot of statements did not go out. 

The next month - still no statement. 
Next month - same thing. 
Finally the main office at PNC XXXX / XXXX said anyone who had a past bankruptcy on their record, was not getting statements at this time - the problem would be fixed soon, they said. 

9 months later - still no statements! I have no idea how my payments are being applied, what my balance is - nothing! A recent call, they told me their legal team has been working on special wording, that needs to go on the statement, of anyone with a previous bankruptcy - and they still have not figured out that wording! 

Can they withhold statements on my loan??? 

My loan is variable interest. and recently the interested almost doubled and I had no idea until I went to pay my loan. No one notified me! 

I am contacting a lawyer to see if we can have a class action lawsuit as well.
Product: Credit card or prepaid card

Card was opened fraudulently under my name XX/XX/19. This has caused a major inconvenience to my personal and financial life being that this is cause my credit report to be misleading and has caused an insurmountable amount of potential earnings. I advocate for this to be resolved immediately to reduce further damage upon my well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was filling out a mortgage calculator through XXXX XXXX website is XX/XX/2019. I was simply just trying to see what the mortgage would be on a house I had come across for sale. The website asked for basic public information and I provided it. This was not some lengthy application, I filled this out while standing in line to check out groceries. I assumed they were collecting information so they could spam my email to death with lenders in my area for potential mortgages. However, within minutes of finishing filling out the form I started receiving calls from all over the country. I answered one call & the gentleman rattled off my social security number which I absolutely did not provide. Shortly there after I got a notification from XXXX  XXXX  stating Factual Data had pulled my credit without my informed consent. I contacted XXXX XXXX to put a stop to this immediately and froze my credit. However, I have been unable to get the hard inquiry removed from my report.
Product: Money transfer, virtual currency, or money service

My Cash App account is locked and no one has contact me about how I will retrieve my Funds!
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on XXXX and XXXX of XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the reversal of late payments reported on my credit history. All payments should show OK or not be present. I understand the importance of maintaining a positive credit profile, and I am committed to rectifying any discrepancies in my credit report. 
I have recently reviewed my credit report and noticed that late payments were reported on the following accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Late Payment ( XXXX ) : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX, XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Late Payment ( XXXX ) : XXXX - XXXX, XXXX, XXXX, XXXX Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 : A. States I have the right to privacy.

15 USC 1681a 2 ( A ) ( i ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1618s-3 of this title, any- ( i ) -a report containing information solely as to transaction or experience between the consumer and the person making the report.

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of the information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I DO NOT RECALL OR RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS ON MY CREDIT REPORT HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX  XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$310.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just notice that I have not received a response from XXXX, XXXX or Equifax for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.
Product: Credit reporting or other personal consumer reports

It is My personal statement that the Bankruptcy that I have listed here is fraudulent and needs to be deleted from my credit report pursuant to 15 USC 1681c-2 on clear grounds of identity theft. Chapter XXXX XXXX XXXX XXXX XXXX CT NC XXXX SEE ATTCHED IDENTITY THEFT REPORT
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I applied for a Home Mortgage with Chase and was approved back in XX/XX/XXXX. The mortgage was scheduled for closing on XX/XX/XXXX at XXXX XXXX Despite repeated numerous messages and emails from Chase that " nothing further was needed at this time '', I was contacted on XX/XX/XXXX at XXXX XXXX to tell me that Chase was not ready to close as they had been unable to verify my employment. Though this was the first that I heard about this being an issue ( as Chase had not mentioned it to me the 3 times that I spoke to them on the phone in the week leading up to the closing ), I was able to get my employer to verify my employment immediately.

We then had to wait until approximately XXXX XXXX for Chase to send over the closing documents. This delay was due to the fact that Chase had failed to send over any figures to the closing company until XXXX XXXX on the morning of the closing. They first sent me a preliminary closing disclosure about a week before the closing. The disclosure was inaccurate as it failed to include the {$7000.00} in credits the Seller had agreed to provide due to issues being found during the home inspection. Chase claimed that it was unaware of such credits, though my attorney had emailed Chase the documents back on XX/XX/XXXX. I never saw a corrected closing disclosure prior to the closing.

The initial closing disclosure I signed indicated that I needed approximately {$76000.00} to close. At XXXX XXXX. Chase contacted the closing company to state that the closing disclosure was wrong and that they would be sending over a new one. I then proceeded to wait until shortly after XXXX XXXX, four hours after my closing started, to receive a new closing disclosure, which now stated that I needed approximately {$78000.00} to close - an additional {$2300.00}. The reason for the change was : 1 ) Chase had incorrectly calculated the per diem interest on the first closing disclosure ( the correct amount was almost doubled ) and 2 ) Chase was disallowing the remaining balance of the {$7000.00} in credits the seller agreed to provide ( this amount was {$1800.00} as the rest was used to pay for the closing costs ).

I was not able to get anyone from Chase on the phone to discuss this issue until XXXX XXXX At that point in time, Chase could not answer why they were disallowing the additional credits, nor why this issue was coming up for the first time 4 hours into my closing, despite Chase being aware of the credits for over two months. Accordingly, I had to pay {$1800.00} above the amount that the seller and I agreed on for my house, simply because Chase said so ( but could not explain why ). Keep in mind, this is on top of the {$2500.00} in fees and charges that I had to pay to Chase for my mortgage.

Despite writing numerous emails to Chase about this issue, I have not had the courtesy of a response. Keep in mind that I have been a Chase customer for over 8 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are my rebuttal " comments '' from an initial report where I funds were continually and automatically withdrawn from my bank, when I knowingly called and canceled. I must file a new complaint ; they said they paid me : I was informed Experian would give me a goodwill {$99.00} settlement even though *their records* showed no wrongdoing on their part. This payment to me as an olive branch to keep peace with their company. In fact they need an overhaul their business for consumer satisfaction, for transparency and for transactions. One clear example is they put nothing in a communication exchange like other companies via email. They only want you to call in. 

Therefore, conveniently it is their word against mine. 

Additionally when I did find a customer service email, I listed a brief concern I did not receive the {$99.00} and followed up my concern with a voice action with a customer service agent. After 25 minutes of explaining the lengthy concern again, the agent wanted " me '' to reiterate all of it to the escalation team with second complaint to this company about service. 

These business practices are unacceptable to me. 

To add one final clarification my bank *never* received this denomination of {$99.00} to my account. Where are their receipts this deposit occurred? I do not have it. 

I have spent an enormous amount of time to resolve this complaint ; whereby I believe my retribution needs to be more like {$290.00} for the original complaint! It should now even be doubled as a result of chasing them down for their *supposed* {$99.00}. Why Experian could not send the " Goodwill Funds '' to my home address is beyond my comprehension! They currently do not have my banking information, nor do I want them to have it. To me, the best service they can provide me is to send an apology to the home address and whatever they *deem* as " Goodwill '' monitarily!
Product: Debt collection

The Law Firm of Abrahamsen XXXX has been calling me for the last year or so. I had asked last year for either proof of the debt owed or for them to stop calling. Neither has been done. I have run my credit report - there are no active debts on my report. I 've resorted to blocking their number on my cell phone, but they continue to call at least once a week.
Product: Debt collection

I recently pull my credit file and noticed that I have a collection with XXXX XXXX XXXX XXXX Account # XXXX. I have no contractual agreement with XXXX  XXXX XXXX XXXX. If XXXX XXXX XXXX XXXX thinks this alleged debt to be accurate please provide the following documentation : documentation agreement with your client that grants them the authority to collect on this alleged debt, agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor NOT A COPY A WET INK SIGNATURE FROM THE ORIGINAL CREDITOR, any insurance claims having been made by any creditor regarding this account, any judgement obtained by any creditor regarding this account, name and address of alleged creditor, name on file of alleged debtor, alleged account number, address on file for alleged debtor, amount of alleged debt, date this alleged debt came payable, date of original charge off or delinquency, verification that this debt was assigned or sold to collector, complete accounting of alleged debt, and commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent XXXX XXXX XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VAILDATION made pursuant to the Fair Debt Collection Practice Act This consumer would like BBB to makes sure that these matters are handle in the upmost professional way and IF AD ASTRA RECOVERY SERVICES CAN NOT PROVIDE ALL NECESSARY DOCUMENTS INCLUDING ACCOUNTING LEDGER YOU NEED TO REMOVE THIS ALLEGED DEBT.
Product: Payday loan, title loan, or personal loan

Bait and switch. This is a 3rd party loan to pay for a service. The dealer was told Service Finance offers 18 month interest free loan with a mimimum monthly payment. They approved 14 months but will not tell me why I did not qualify for the 18 month term as advertised. My XXXX  score as of XXXX is XXXX " Nearly perfect '' and my debt to income ratio is approximately 2 %. They refuse to explain to me their decision and placed blame on the dealer who simply helped me fill out the loan application so they can be paid in full while I pay Service Finance as a 3rd party.
Product: Mortgage

My husband and I applied in XXXX, XXXX to Wells Fargo Home Mortgage to refinance on the existing mortgage on our residence. We are currently paying 4.875 % on the existing mortgage and would be refinancing to a lower rate of 3.00 %. As my husband is self-employed and we owe 2 rental properties in New Jersey, we have had to provide XXXX and XXXX income tax returns for both businesses, as well as our personal income tax returns. We have also had to provide paystubs, bank statements, and profit & loss statements as of XX/XX/XXXX for both businesses, as well as balance sheets as of XX/XX/XXXX. All of the above items were provided in XXXX, XXXX. As of yesterday, XX/XX/XXXX, I spoke with the loan processor who advised that there was only one item needed to move our mortgage application to conditional approval. We are more than qualified for this mortgage refinance. The mortgage refinance would lower our existing mortgage payment every month by approximately {$300.00} to {$400.00}. 

Today, when I logged onto Wells Fargo 's online Loan Tracker, I was asked to provided 14 additional documents. I e-mailed and called the loan processor and left a voicemail message. 

My husband and I feel that Wells Fargo is going to continue to ask us to provide additional information in the hopes that we will just give up with this mortgage refinance application.
Product: Payday loan, title loan, or personal loan

I contacted Cash Central via Telephone Calls, Emails to let them know that I needed to close my account and send the payment through US Mail. On XXXX XXXX, 2017 I sent Cash Central a Money Order in the amount of {$150.00}. Then again on XXXX XXXX, 2017 purchased another Postal Money Order & mailed this payment in, leaving me with a XXXX  Balance. I PAID in FULL my balance from a loan this year. I received a call from a Collection Agency and I informed him, my account with Cash Central had been PAID IN FULL. I am ill & do not feel/believe it is my job to work for Cash Central nor the Collections company! Cash Central is saying I have two accounts an OLD ACCOUNT Dismissed thru Chapter XXXX Bankruptcy! No I only owed & paid for the account from Cash Central for {$300.00}. Now they want me to call around & repair what they did by selling my account to a Collections Agency. I had arrangements as I spoke with Reps. XXXX. XXXX, XXXX on XXXX XXXX, 2017 ; Again XXXX XXXX, 2017 & XXXX XXXX, 2017. I sent both Money Orders as agreed upon. I was told to send it to : Cash Central, XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. Acct. # XXXX - Spoke with XXXX. This is another address given to me over the phone : XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. PLS. take care of this as I am ill & I do not need this Stress over the reps abusing/disrespecting me as a Consumer. Do you have a great Attorney that would be interested in suing Cash Central?
Product: Credit reporting or other personal consumer reports

I have an fha loan and this mortgage company newrez has not provided proof of my mortgage note that if I am late less than 15 days that I have authorized a late payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.has violated my rights. 

XXXX/DOFED XXXX XXXX XXXXDOFED XXXX XXXX XXXX/DOFED XXXX XXXX XXXX/DOFED. XXXX XXXX XXXX/DOFED. XXXX XXXX XXXX/DOFED. XXXX XXXX XXXX/DOFED XXXX XXXX XXXXDOFED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 ( a ) s- 2 I have the right to privacy 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C 168c ( a ) ( 5 ) States no consumer report on items of information other then records of conviction of crimes which antedates the report more then 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}