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

I mailed of a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are reporting inaccurate personal information.
Product: Money transfer, virtual currency, or money service

Every time I proceed on sending a transaction to the XXXX, they cause us a double amount of fees here, and another charge in the XXXX. This is unfair?? Why is this happening??
Product: Bank account or service

I have had an account with Rush Card for six years now. Two days ago I misplaced my card and had to report it Rush Card and request a new card. Well let me tell about the last XXXX hours on the phone and not being able to contact Customer Service to do what THEY require. Without my card I can not pay rent buy food and pay my bills that are due now. I have already discontinued my direct deposits and changed banks. This whole deal with Rush Card is a bunch of XXXX and needs to be dealt with one the Federal Level.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

On Thursday XX/XX/XXXX, I paid an additional {$81.00} to BSI Financial in addition to my monthly statement amount. I was told verbally of this charge on XX/XX/XXXX when I made my monthly payment. Since it was not on my statement, I asked to receive the request in writing. I have requested this information to be sent in writing 3 times. In addition, I have requested clarification by writing to XXXX and sending a message through my portal on the BSI Financial website. I have not received the documentation that I requested. Although the additional {$81.00} was not on my statement, and I received no written request or explanation, my account was shown as past due until I paid it. Please send an explanation of this additional charge in writing. Also, please explain whether or not this {$81.00} being considered past due will result in a late fee.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2019, there was a fraudulent inquiry made on my Capital One account which is actually closed but still open with a collection agency. Capital One had a breach of consumers information to millions of customers. I received an email stating that " Looks like youre having trouble signing in. For your security, we locked your account access as of XX/XX/2019 at XXXX XXXX ET. '' I did NOT try to access my account! I am a victim of fraud due to the breach of information. I tried calling Capital One to report the fraud but the automated phone contact tried transferring me to the collection agency handling my debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

Early 2024, I had a car hit me and I needed a detail service done. I had exchanged numbers with the person who hit me so he could send me a payment for my car to get detailed and fixed. When the guy who hit me send me the money into my account, I later on sent the money back to him, but it was meant to be for the person who was detailing my car to fix the scratches and chipped paint. He stopped responding after and I lost my {$400.00}. When contacting the support center they could not assist and it would be through my bank. But XXXX XXXX  was later not able to dispute it. No warning labels
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX, emailed me stating that the payment is now adjusted to {$1800.00} with the escrow removed. 

On XXXX XXXX, I paid {$1800.00}, which is the amount due as indicated on the XXXX XXXX, XXXX statement ( attached ). 

On XXXX XXXX XXXX from XXXX emailed me and my insurance company stating that the payment of {$1200.00} was made on XX/XX/XXXX. The homeowners insurance policy is active and paid in full for the XXXX term. No payment was requested from CrossCountry Mortgage due to the policy is paid in full ( see attached email and proof of payment ). 

On XX/XX/XXXX, my husband emailed XXXX XXXX, XXXX XXXX, after I had received an Annual Escrow Account Disclosure Statement, dated XXXX XXXX, XXXX indicating that escrow had been reinstated to the account. 

On XXXX XXXX, XXXX XXXX XXXX emailed me stating that CrossCountry Mortgage was sent an insurance invoice to be paid from escrow and that he will have this removed again and make sure it is not added back On XXXX XXXX, I received a phone call from CrossCountry Mortgage ( CCM ) in the evening, that my mortgage is past due. I reviewed my account information on CrossCountry Mortgage 's website and found the following : The XXXX XXXX, XXXX statement still shows that the Escrow account hasnt been removed. However, the amount I paid {$1800.00} on XX/XX/XXXX, which is the amount due as indicated on the XXXX XXXX, XXXX statement as is now showing on the CCMs website as unapplied funds ( see attached screenshot ). Again, this was incorrectly added back by CCM. And there is now a late payment fee of {$54.00} shown. This same statement now shows : Overdue payment of {$3100.00}, Total Amount Due of {$6400.00} by XX/XX/XXXX, or {$6400.00} by XX/XX/XXXX. All incorrect due to the Escrow Account issue previously stated.
Product: Credit card or prepaid card

OVERVIEW VISA Prepaid Gift Cards do not live up to their package advertising, " A VISA Card is always enjoyed and never returned. '' Also their Customer ( NON ) Service is designed to prevent customer financial recovery due to fraud that their systems do not prevent. 

XXXX Two {$100.00} XXXX XXXX XXXX were purchased at XXXX and activated. Total Cost {$210.00}. 

XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. 

XXXX Cards were returned to me and I Contact XXXX XXXX XXXX 
Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. 

XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00}. 
I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes, was cut off by VISA, and was transferred to a customer survey ( was not good ). 

XXXX This complaint to Consumer Financial Protection Bureau ( CFPB ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 card or prepaid card

On XXXX/XXXX/2020, I was charged a {$95.00} annual fee for the upcoming year. I called in on XX/XX/2020 to discuss my options and decided to cancel the card since I did not think the benefits were worth the fee. I was told the annual fee would be refunded, but it has not been processed and my payment is coming up.
Product: Mortgage

My sole residential property is in active foreclosure, I have submitted an application for mortgage assistance through The Georgia Homeowners Assistance Fund ( HAF ). This fund is managed through the Georgia Department of Consumer Affairs authorized by the federal Rescue Plan Act. In order to submit my application in full and receive mortgage assistance, this state department is requiring my most current mortgage statement. 

I have attempted numerous times to receive a current mortgage statement from the mortgage lender. The mortgage lender has either claimed to have " sent '' my request to a separate department, or have simply refused exclaiming that they will not send me a statement as they are not required to do so during an active foreclosure. Furthermore, the mortgage lender has taken away my online account access claiming that homeowners behind in payments no longer have the right to online access. 

In addition, the mortgage lender also claims that due to the property being in active foreclosure, any request for a current mortgage statement would have to be made to the foreclosure attorney/law firm. I have asked the foreclosure attorney/law firm for the most current mortgage statement in which I am told all mortgage statements need to be requested directly from the mortgage lender. -- To be clear, I have already received a reinstatement balance from the attorney. The document I am needing is the most current mortgage statement. 

I have the right to a current mortgage statement. It is my belief that Amerihome Mortgage is impeding on my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Debt was already paid in full, still showing incorrect balance
Product: Debt collection

I went to the ER ( XXXX XXXX XXXX Florida ) on XX/XX/2019 and XX/XX/2019 and the hospital did not bill my insurance and sent me to collection. I spoke to the collection agency and they said they could not do anything and to contact my insurance. I contacted my insurance and they never got a claim for it so that's why they did not pay. Now this is affecting my credit and not letting me get a loan to purchase a home.
Product: Credit reporting or other personal consumer reports

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!
Product: Credit card or prepaid card

The XXXX XXXX XXXX XXXX  - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment. 

Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.. 

Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely. 

I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date. 

They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account. 

Thank you for researching this issue.
Product: Payday loan, title loan, or personal loan

They call up to XXXX times a day usually every other hour up until XXXX which the business closes at XXXX. I work midnights and they know this, but they continue to harass me.
Product: Credit card or prepaid card

2 months ago capital one started servicing my cabelas credit card. I would log in to my capital one account to make payment on all my cards, for I have 2 other cards with capital one. I would log in and the system would read I am at XXXX balance on all my accounts. A couple of days ago I get a weird email, it say I am past due 2 payments and to call to make account in good standing. I called the lady was very nice and admitted that my cabelas card was not on the portal and I had to add the card to the account. I said I had no Idea about that, she said she understood and took back the late fees and made the account good. I then noticed today my credit took a huge hit and dropped a 100 points due to no payment.
Product: Student loan

These student loans are too old to be on my report also the information is incorrect
Product: Credit reporting or other personal consumer reports

XXXX & Experian are incorrectly reporting the account XXXX XXXX  Account # XXXX it is listed as a charge off on my consumer report. Any account that is terminated by a creditor must be refunded to the consumer within 7 days so I am requesting the information they used to determine that this information is correct. Consumer agencies does not have access to private financial records so I know this account has not been validated.
Product: Credit card or prepaid card

I went Citi bank branch open a credit card which is Citi prestige, Citi bank has approved my card on XX/XX/XXXX, the credit limit is {$5400.00}, then I got my card try to use it, but every time I use showing the decline. so I called Citi bank at least 3 times, they said that is a system problem, they already fixed it. then on XX/XX/XXXX Citi bank closed all my accounts, including 2 credit card open 3 years ago and 1 year ago. the reason is just I have too many credit inquires on my credit report. so I totally have no idea, why citi bank approved my new card, then closed all my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$660.00}
Product: Credit card

Chase Bank 's XXXX Credit Card has two distinct instances of unauthorized charges that I need help resolving. The first type involves two balance transfers of {$15000.00} each from XX/XX/XXXX and XX/XX/XXXX. During this period, I was severely ill with XXXX and was not able to monitor my accounts. I had authorized my business manager, who is also my father, to manage my accounts, but he did not make these transfers. He was only responsible for paying the minimum interest free monthly amounts without consulting me about the purpose. Upon regaining my health in XXXX XXXX, I reviewed my finances and discovered these fraudulent charges. For the past eight months, I have sought their removal, but Chase has mishandled my case unlawfully. This has led to a drastic decline of approximately XXXX points in my credit score. As a principle, I refuse to be held accountable for unauthorized charges. Furthermore, my personal informationsocial security number, email, addresses, drivers license ID, and other private detailshas been compromised due to identity theft and data breaches over the last five years.

The second type of unauthorized charge comes from XXXX XXXX, amounting to roughly {$6000.00} for a rental I did not authorize. I never provided my credit card information for this purpose. XXXX XXXX XXXX, under the terms of my XXXX Subscription agreement, should have provided me with a free loaner or if the local dealers were out of loaners a rental of equal quality, due to a malfunction in my XXXX XXXX XXXX XXXX XXXX ( most prestigious car they make ). Due to a serious XXXX XXXX malfunction, the car caused an accident. This could have led to catastrophic outcomes for me and nearly did for the traffic the car hit. Instead, XXXX improperly utilized my credit card, which they had no right to charge, to address XXXXXXXX XXXX significant mistake. The only way they could have obtained my credit card information would have been through illegal means. 

I have thoroughly reported my identity theft concerns to Identitytheft.gov, with reference number XXXX. Despite numerous attempts to rectify these issues with the merchants, Chase Bank, and the three major credit bureaus, I have yet to receive a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have disputed with XXXX 's XXXX and Synchrony Bank about a card that does not belong to me but it had my name attached to a different address, and different card number that they are saying I owe. I own a card that I pay on time faithfully every month. I started trying to fix my credit and trying to address the issue but not having any luck. Below are some of the key points pertaining to this card * Seems there were 2 numbers which are associated with this card but don't match the card I own XXXX XXXX * It seems as though Charges were made over the internet mostly *Address is different/ card number is different *How did bank let card run up to XXXX? 

* Transactions shouldve looked suspicious from my normal use * Who called in to make a XXXX payment? 

* Why wasn't I notified of any unusual behavior? 

* Dispute Letter was sent and no proper proof was sent back accept a statement of transactions saying I owe. 

I will also send docs over to verify proof of everything.
Product: Mortgage

Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/2017 we received a counter offer from Carrington stating they needed $ XXXX net proceeds, which he said we could get from cutting commissions and fees. 

On XX/XX/2017 Buyer increased their offer and we cut fees to meet that minimum net proceeds of $ XXXX. A price addendum and matching HUD was submitted to Carrington. 

Today, XX/XX/2017, Carrington issued an approval letter that was higher than their stated minimum net. Carrington further reduced the commission and decided to keep the additional proceeds - over and above the $ XXXX net they told us the buyer needed to meet. We spoke to the negotiator who said she would take it to her manager. When the manager called back he created a whole new story about their minimum required net. 

During this call the manager made jokes that they would just foreclose on it themselves so they could assign it to their in-house re-sale real estate group and make the commission on it themselves. This is a gross conflict of interest. 

We also addressed several other issues. Carrington has broken into the home. Carrington has changed the locks. They have stolen caretaker 's personal property. Carrington has removed the Listing agent 's For-Sale signs on the property. Carrington has put one of their own for-sale signs up with their phone number ( this is a violation of state law and tortuous interference of the listing agents Listing Agreement. ) Carrington also put a login sheet in the house and a No-Trespassing Sign on the property. 

When we confronted the manger about these issues he laughed and pressed us on whether the buyer would cancel the file. If this were a true loss mitigation attempt and not an outright attempt at servicing fraud this would not likely have been his stance. 

When told we were going to file a CFPB complaint against them, the manager also laughed and said the CFPB ca n't do anything to them. 

XXXX It 's obvious Carrington intends to push this into foreclosure in order to list the property themselves with their in-house real estate group. This is the exact same thing Carrington did on another short sale we had with them - on which we also filed a CFPB complaint. We would be happy to provide to the CFPB a copy of that complaint as well. The last time Carrington did this a senior VP called and cussed us out for defending our client 's rights, while they committed gross servicing fraud.