23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 I called into the dispute phone line for Experian. I managed to get them to recognize all the documents I had submitted via online disputes to get them to change my name to the one in the court order. The problem is that when the customer record name was changed, the underlying records were not. So 40 years of history has been dropped and I now have no credit report whatsoever. Your dispute center employees can see the attached records, such as the one for my mortgage through XXXX. Its just that nothing comes through when anyone, such as XXXX XXXX  pulls a credit report. I'm XXXX XXXX XXXX and I have not been XXXX  for the past 40 years. 

I am currently trying to refinance my home, but since XXXX uses Experian and they can't pull anything for me, I can't get my loan. I also can't get solar panels for the home. I also can't get any new credit cards, to say transfer the XXXX balance I have. So this mistake on their part is having direct negative consequences for me. 

And I want to hear from an actual human being on this case.
Product: Bank account or service

In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''
Product: Debt collection

On XX/XX/year> a debt collection was alerted for a student loan in the amount of {$1100.00} and another student loan for the amount of {$2.00}. I have tried disputing on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a email from XXXX stating that Equifax put a Fraud Alert because I was a XXXX XXXX and Not to lease an a Apartment to me, and that I had Not Paid Off my Home, and that my Credit Report was erroneous! Also Equifax Reduced my Credit Score by 52 points and these XXXX are still Toying with my Credit Report big boy style with XXXX XXXX  aggressions to-date, but Im a Fighter, I Fight Back! These XXXX are coming at me in a real way, and I got to show them in a court setting I Fight Back and Im going to take their money for XXXX with me for the past 26 years with their XXXX XXXX  acts!
Product: Debt collection

I received a debt collection notice from ERC for a {$59.00} debt from XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for almost 2 years and have not received any invoices indicating that anything remained unpaid. There is no copy of an invoice, reference to an invoice, or other information. When I called ERC the guy on the phone was not authorized to help me unless I gave him the last four digits of my social security number, which I was not willing to give. This is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a recent victim of XXXX XXXX. I am a consumer in pursuant of 15 USC 1692-A3. Experian, XXXX and XXXX  are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2020 and accounts are still reporting fraudulently. 

XXXX ACCOUNT # XXXX AMOUNT {$7300.00} XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX ( INQUIRY ) XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX # XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I can't disbute report. 
Online no button for disbute. 
Phone call answering machine just hang off. 
No fax number give. 
No commission what do ever!
Product: Checking or savings account

I don't understand where my two checks were mailed to? Was it here? Because the name is the same as here! I don't understand what these two checks are for!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove the items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous items which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any item in the file of a consumer that the consumer identifies as items that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove two accounts which are not mine. I disputed and they assume it is correct- IT IS NOT- I HAVE SPOKEN TO INDIVIDUALS IN XXXX, XXXX, XXXX AND  ITS NO WONDER MY CREDIT IS A MESS. THESE individuals speak little english and it is frustrating just for them to tell me they cant help me. How is it possible it takes someone 10 seconds to open a high intrest/credit card and me the rightful owner of the information almost a year to try and remove? This is a disgrace to anyone who works hard everyday and care about their credit.
Product: Credit reporting or other personal consumer reports

I looked at my report XX/XX/XXXX and noticed some things are incomplete and not accurate, and according to the fair credit reporting whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information the individual about whom the report relates I call them asking to reinvestigate these account listed below because the information listed on my credit reports are inaccurate. 

Collection-XXXX  XXXX Acct # XXXX Open date XX/XX/XXXX Last active XX/XX/XXXX Collection XXXX XXXX  Acct # XXXX Date open XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrectly Collection XXXX  card Acct # XXXX Date open XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrectly Collections XXXX XXXX XXXX Acct # XXXX Date XXXX XX/XX/XXXX Last active XX/XX/XXXX This is reporting incorrect I requested a description of the reinvestigation and they did not provide it to me, which is a violation of 15 USC 1681i7
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX  XXXX XXXX  XXXX  XXXX {$600.00} US DEPT ED XXXX {$6000.00} XXXX XXXX XXXX {$330.00} COLLECTION XXXX {$7000.00} COLLECTION XXXX {$510.00} XXXX  XXXX {$4500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

Over 20 times in the month of XXXX, and over 10 times in the month of XXXX, American Express keeps contacting me. They will either call ( my phone blocks it but I still see the message ) OR they will put this Collection Message up on my computer. I've asked them why is the message about " We need to speak with you immediately regarding your Account. '' My account is always paid, paid way in advance, through multiple payments. I'm attaching the screen shot now. I also have all my chat messages copied to validate that I have asked the representatives to please put a note on my account, that I don't need to be bothered while my account is current. It has been current for months, yet I still get harassed, almost daily by then. I put a phone block on my cell phone, and when I log into AmEx I always respond to the " we need to speak to you urgently. '' and they want to harass me about the balance on my account. They choose to selectively harass me. They never did this with my husband 's account. They are willfully harassing me. Each time I tell them very clearly to not harass me online or via phone. Online is the same thing. Harassment is harassment. Today, I took screen shots of this interaction, so that you can see for yourself, how they badger me. I can't imagine what  those who are late have to go through. As a reminder, you can see clearly that I am not late and in fact, had no payment due. This is because I pay my bill the moment it posts online, and then I make several additional payments during the month. This repeated harassment is causing me great stress and anxiety. 

I have attached images from XXXX and XXXX - to validate that 3 different times this has happened ( more than that, this is what I included today ) and that they make me speak to them, and then they harass me about the balance on my account, and I ask them to please stop contacting me, and they continue to do so. 

The dates are on the bottom right corner, where I take a screenshot showing the date/time on my computer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry was unauthorized , and I request its removal.

Please remove this inquiry.
Product: Checking or savings account

We were in the process of switching banks to have payroll checks deposited into. I ( XXXX ) have had several checks go in already as it has been open more than 30 days. My XXXX  employer was a little slower to make the change due to XXXX  needing to verify open account. His employer issued him a live check which he took to Huntington to cash. They told him he had to deposit it and informed him XXXX would be available and the rest would be available at XXXX. None of it is available and wont be released until the XXXX according to customer service. XXXX went into the branch he cashed it at and they had no solution
Product: Credit card

In XX/XX/year>, I opened a XXXX American Express card, which came with a bonus of XXXX points upon opening. However, in XXXX, they removed the XXXX points from my account without providing any explanation. I paid the card 's {$690.00} annual fee in full. 

On XX/XX/XXXX, my account was abruptly closed. When I contacted customer service to transfer my remaining points, I was informed that I could no longer do so because the account had been canceled. I was not given any prior notice or warning about the account closure, leaving me no opportunity to redeem my points beforehand. 

Currently, my account only reflects about XXXX points. I believe I am entitled to the reinstatement of the XXXX points, in addition to the XXXX or so points currently shown. I paid the membership fee in good faith and fulfilled my obligations, and the removal of the XXXX points was unwarranted. 

Additionally I also had another card with them, American express XXXX cash Every day, which they closed as well, I made my payments and used this card for a couple of years, and it was closed for no good reason. I had some cashback on that card which I never used, and I believe I should get that back. 
.
Product: Credit card

On XX/XX/2022, I ordered 200 boxes of XXXX XXXX XXXX XXXX XXXX XXXX from a website XXXXXXXX XXXX and an individual named XXXX promised to have the items delivered within 3 weeks. The amount I paid was {$880.00}. He provided a tracking # and a receipt that it was sent via XXXX XXXX. However, I have been trying to check for shipment updates on the XXXX website and the website is down and not working. I tried to contact him via email and emails are bouncing back. I have NEVER received the ordered items and I have filed a complaint with XXXX and Barclay credit card as I was told to do so. I have been scammed and I have requested my money back. Barclay credit card company customer service kept denying my claim for no reason. The merchant provided some " nonsense '' documents and Barkley customer service hasn't even looked at the documents that the merchant provided. Have they looked at the documents they would see that the documents are fraudulent. There was no tracking number, there is no shipping company with such a name as XXXX XXXX. The website of that company never existed. I have requested a refund from Barclay 's however they keep denying it for no specific reason. I would like to report unacceptable Barclay practices and I would like to have my money back.
Product: Debt collection

The company XXXX XXXX XXXX XXXX has sent me a notice of wage garnishment to my parents address not mine. 
I have checked my credit report and I do NOT see this creditor listed as part of my debt. I do not know what this is in regards to. 
The complaint is under my maiden name, I got married at the end of XXXX and apparently this was originally filed in XXXX or XXXX which even at this point the debt was too old to collect on. 
I have had similar situations that have been scams, collectors trying to collect on a debt that is non existent.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my Experian account that I did not do can u please remove these off my file they has cause pain in suffering to me these are the 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 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
Product: Credit card or prepaid card

TD Bank constantly mailed me a pre-approved credit line offers. 
Recently I decided to give them a try, so I applied for a pre-approved credit line offer they mail to me. 
As XXXX XXXX  with a long experience in the e-money industry and the payment systems, I applied with confidence as I take care of my credit score/report, reasonably utilize my credits, never missed a payment, keep myself up to date about the payments system industry and never got a credit application rejected. 

TD Bank performed a hard inquiry to my credit report, and on XX/XX/2020, I got TD Bank decision for my credit application, that stated that they are unable to grant my request for credit for the following reason : " Unable to validate information provided on your application ''. 

What information they weren't able to validate? They just provided an elastic and foggy reason that would allow them to deny any application regardless of any provided facts! 

And why didn't they communicate with me if they still need more verifications before taking their decision? 

I don't accept TD Bank 's decision, request my application to be double-checked, and request them to provide a clear and reasonable reason/s if they are still unable to grant my request for credit! 

Note : I checked TD Bank web-site to find any E-mail I could use to communicate with them or any appeal process, but they don't share such type of communication channels. 

Attached are copies of TD Bank mail and my XXXX  credit report for your reference. 

Thank you!
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check of {$150000.00} to my Chase bank account. I got a notice of delayed availability that the funds would be available on XX/XX/XXXX when I checked back on XX/XX/XXXX, the funds were available, but a week later, on XX/XX/XXXX, when I tried to excess my bank account, I couldn't. 
I called Chase and asked them what was going on, and they answered that because they could not verify the check, they closed the account and suspended the {$150000.00} with not notifying me.

So I made a conference call with Chase and the maker of the check so they could verify it with him, but Chase didn't accept it. They told me they needed to call the check maker on a verified number, so we gave them the check maker 's number, but Chase told us that his number was not verified. So we asked Chase how we verify his number, but they didn't give us a way to verify it. 
So I offered Chase 2 other options to verify the check XXXX ) I can come down to the branch with the maker of the check to verify the check or XXXX ) I provide them with the number of the bank of the check maker so they can call his bank to verify the check but that didn't accept this that just repeated, again and again, that need to call the maker on a verified number and that don't have a verified number. 
The next day I went into the Chase branch and explained my problem they understood and tried to help me but they could not help me because they needed to call the same Chase back office I called the day before and got the same answer. 
So I contacted the maker of the check who contacted his bank and asked them to contact Chase but as they said " Chase was giving us the run-around '' so for now the chase has the money locked with no path for me to retrieve the funds. Which is high robbery!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX XXXX  XXXX XXXX # # # # XXXX # # # # XXXX has violated my rights Kick off account # # # # XXXX XXXX XXXX  account # # # 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 15 U S C 1681 section 602 A I have the right to privacy 15 U S C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions
Product: Checking or savings account

Everbank made unauthorized withdrawal from my bank account for over XXXX dollars. I have called several times in the past two weeks trying to get to the bottom of this matter. They also blocked my viewing access to the accounts. I'm not sure what they are hiding but this is causing a major problem for me. They are stealing over XXXX dollars of my funds. They also caused two of my credit cards to be closed due to returns payments and restricting my accounts. I have tried every method possible to resolve this and they refuse to give me any information or help me in any way. The credit card companies closed my accounts due to their gross negligence. Their behavior has caused my credit score to drop XXXX points! I am purchasing a new home in XXXX and now I might not be able to due to all of this.
Product: Mortgage

This is an official complaint against Dietech Financial in conducting an illegal and wrongful foreclosure action on said property on the alleged date of XXXX XXXX, XXXX, in which I believe was backdated to legitimize the sale. During the merger between Ditech Financial, LLC and Greentree Servicing, LLC, there was no effort by the above entities to offer any resolution or modification. Neither party provided me with any remedies or provide any full disclosure of the loan transaction. It is my contention that no sale took place on XXXX XXXX, XXXX. Prior to execution of any Deed Under Power, the law-firm retained by Ditech Financial told me on the telephone that the Sale of my property was cancelled. Besides the failure to provide any remedies or working out any resolution, Dietech and Greentree failed to adhere to CFPB 's new servicing rules : Failure to adhere to rigorous servicing transfer requirements Failure to comply with mortgage servicing rules Failed to engage in efforts to preserve home ownership Failed to address any redress and Grevances Allowed the merger to maintain and sustain consistency with CFPB rules Failed to provide adaquate notice to the homeowner. 
Failed to provide full disclosure to XXXX of the loan transaction and underwriting of the loan I filed a Notice of Rescission pursuant 15 USC 1635.
Product: Mortgage

I called my mortgage compay to get assisstance on lowering my monthly payments and get back current with my mortgage. 
XXXX with XXXX quoted me and told me that I would be approved for a XXXX year fixed rate of XXXX % for an appraised home value of {$150000.00}. He told me that I owed {$120000.00} on my cuurent loan. He later stated that I would be XXXX a check for {$110000.00} and my new monthly payments will be {$560.00} P & I with $ XXXX for a montly payment of {$920.00}. 
As he was getting ready to finalize the deal XXXX asked my race. After I told him my race he told me that his boss would never allow him to approve my refinance. He then rushed me off the phone by saying he could not help me. 

I feel this was racially motivated.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked to have this fraudulent information removed from my credit reports. I am a victim of identity theft and the Equifax data breach. All 3 credit reporting agencies are constantly being sued by consumers because they are paid to report false information to increase interest rates and deny consumers credit. I demand that these accounts be removed per 605B of the FCRA but these agencies refuse to adhere to the laws! please see attached documents ....
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I submitted disputes to TransUnion, XXXX, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus.

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law.

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.