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

Hello Im a victim of a Debt Card Fraud that happened XX/XX/2022. Ive been reaching out on chase bank but I feel like theyve been passing me around and not taking me seriously. On XX/XX/2022 I received a notification from my XXXXphone device that my debit card was removed from my digital XXXX XXXX I immediately check my Chase Bank App because I didn't do any changes to my XXXX XXXX There, I saw that there was an unauthorized withdrawal transaction of {$3800.00}. I do not recognized this transaction and it happened on the same day. I was at work at that day. I immediately called Chase to report the fraud claim and to cancel my debit card. I gave them the details and I was told that my case will be reviewed. I was told that the transaction happened through a XXXX XXXX  from an XXXX  device. Therefore I showed them proof that my phone is an XXXX and I even printed out my time card at work as an evidence that I was at work when the transaction happened. My case was denied one after the another. Chase fraud department has been passing my case around. I was informed that the transaction happened at one of my local bank at XXXX XXXX XXXX, XXXX XXXX  XXXX. I went to the bank to seek for more advice and help. My case was even brought up to the corporate fraud department. However, Chase Bank still denied my case. Their reason is that " there was no other changes made in my account '' This does not make sense since whoever stole my money switched my apple pay to a different phone which is an Android phone. Its unfortunate how theyve been treating me and I have nobody to help me. What I needed is someone or if anyone can give me guideline of where would I go from my case. I reported this incident to my local police department as well but haven't receive any update. I'm helpless at this point and don't know that next step on how to get my money back. Please feel free to call or email me. Looking forward to talk to you guys
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I obtained a home mortgage loan with XXXX XXXX XXXX XXXX ( XXXX  ). A credit report inquiry by XXXX revealed XXXXne derogatory line on my credit report ( Item 29 XXXX : see attached ) that was incorrectly still present in my record despite the fact that this debt was satisfied ( paid off ) and signed off by the County Judge ( Order of dismissal with Prejudice ) one year prior ( XX/XX/XXXX Court Order : see attached ). 
I attempted to dispute and resolve this issue directly with the Credit Reporting Agencies with no success. 
I am about to apply for a new home mortgage loan and before I do that I would like to ensure that this derogatory line-item is permanently removed from my file with all 3 major credit reporting agencies. 
I am reaching out to CFPB to help me solve satisfactorily this issue. 

Thank you. 
XXXX XXXX, Consumer
Product: Mortgage

I put a request in writing to my m's insurance taken out of my escrow account ortgage company asking to have my homeowner. I wanted to be able to pay my homeowner's insurance .Roundpoint mortgage deleted my escrow account . I have not been able to have the issue resolved after numerous phone calls and promises that the account would be corrected.The errors resulted in an inaccurate escrow account, misapplied payments and a negative amortization. My concern that all the errors could affect my ability to pay my mortgage. I put together a timeline of events and attempts to have the issue corrected. I have enclosed documents to verify the information reported on the timeline.
Product: Credit reporting 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 remove in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This information isn't authorized and I didn't take out or use any student loans. I have tried contacting the creditor and the school but they keep giving me the run around about closing the account or investigating the account as it wasn't used by me. 

There are 4 accounts open totaling {$10000.00} being reported on my credit report. It shows open and never late but I never made any payments on an account I have no knowledge of. I would like this closed and removed immediately. I have also contacted XXXX, Equifax and XXXX and they fail to investigate to validate the loans to have them removed and deleted! 

Attached is FTC report that lists the loans as a creditor or apartment but not sure why it doesn't list as loan. 

FCRA law. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion for a number of fraudulent remarks and inquires on my credit as soon as I received a copy of my report from them in late XX/XX/XXXX, early XX/XX/XXXX. I immediately informed them of these accounts and were shut down by them. Finally, after doing most of the leg work myself to prove these accounts are FRUADLENT. They have still yet to correct them. The two accounts I'm referring to are XXXX XXXX  company and XXXX XXXX XXXX. The first ( XXXX XXXX  ) is for untilities for an apartment. I've never lived there nor did I ask for services there. I contacted this company which told me that people can simply call and set up services over the phone. XXXX XXXX is for a XXXX credit card. Again, I was told this was applied for online and they could not furnish anything other than a bill. THESE ARE FRAUDULENT. My accounts have been flagged for fraud and I've been pleading with this company to please look at the document that are there and not there. I'm now asking the FTC, XXXX and CFPB to step in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an XXXX account last week. I denied so I wanted to know why I was denied. I called XXXX 's customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. Im doing this on my own behalf and I also contact my local police and the FTC as advised.These items are not mine and need to be deleted from my report. I'm working on my own behalf. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed this company every day and no response! They have 3 different numbers and not one can be reach! It say I have a credit account with them. Im trying to report fraud and no one is responding. Someone use my social and my name for this. This is not fair. Each number given belongs to a cell phone number. So basically someone can steal someone social n identity and this company will allow them to get away with it. Theres no help
Product: Credit reporting

Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me
Product: Checking or savings account

I opened a Citibank Business Streamlined Checking Account on XXXX XXXX in XXXX XXXX, XXXX XXXX. I planned to open this account after seeing account opening bonus online which stated to go in branch for account opening. I visited the branch and banker was successfully able to open my account with the promotional account opening bonus. Promotion stated to deposit at least {$20000.00} to get {$750.00} bonus within a certain timeframe ( attached image ). I met the requirements long time back last year but haven't yet got my bonus. After talking to them they are denying having any such promo as well. Hence attaching screenshot for the same as well but I haven't yet got the bonus. 

Besides I also met requirement for an additional {$100.00} bonus in my account after meeting direct deposit criteria and also a {$100.00} referral bonus but I haven't got them as well Total I am supposed to get $ XXXX $ XXXX $ XXXX {$950.00} Hence I request you to kindly help me reach out to them so they can look into this at priority. Thanks for help
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
XXXX XXXXXXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX See attachments all arent consented
Product: Student loan

I am a full-time graduate student graduating in XX/XX/XXXX, however, my grace period for student loans already started and payments are due in XX/XX/XXXX ( XX/XX/XXXX because of Biden 's extended repayment freeze ). I have called the loan provider multiple times but they are saying that they are waiting for my university to update this information. I called my financial aid office and they said the information about my enrollment is already updated.
Product: Credit reporting 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 or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block these items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information 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. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXXXXXX XXXX  XXXX Balance : {$3500.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite my fifth attempt to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$0.00} ; Original Creditor : XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have initiated two good will letters to Experian to provide me with documentation bearing my signature for a chapter XXXX bankruptcy on my credit report. They have failed to do so under the FCRA guidelines.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act this creditor has violated my rights Under 15USC 1681 Section 602 stqtes I have the right to privacy Under 15 U.S.C 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C 1666B a creditor may not treat a payment on credit card account under an open and credit consumer plan as late for any purpose and I demand that all its listed below be deleted Under 15 U.S.C 1681 section 604 A Section 2 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.

Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

I lost my job because of COVID-19 the whole time the mortgage company said they would work with me every three months I had to get an extension they told me the same thing that they would work with me so when I went to start my first payment they said I was not eligible for any of their programs that I would have to come up with {$13000.00} by next month I ended up losing my job again now I have no income but in the last 2 1/2 months I was able to give them {$6500.00} and I guess that still wasnt good enoughSo now I have no income coming in so theyll probably go ahead and Start foreclosureI told them Theres about COVID I guess I dont care
Product: Credit card

Apple card/ Goldman Sachs denied me XXXX benefits, stating that I was ineligible due to a lack of application before starting XXXX XXXX.
Product: Credit card

I was shock to see this account open on my credit report I never gave anyone permisson to use my credit to open any accounts this account is fraudulent please remove this of my credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, KIc. ) ( : to in Je quaT 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 untair and eceptive, as they didnot* E 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 this violations
Product: Credit reporting

The credit bureaus are a joke and the XXXX needs to do something about them or ban credit scores if the XXXX refuses to regulate and ban them. I 've repeatedly reported how the credit bureaus and XXXX XXXX mortgage continue to report a short sale as a foreclosure on my credit report despite the fact that XXXX agreed to the short sale, the loan closed as a short sale, there was no XXXX and XXXX never took possession of my property. Now, I recently sold my home and paid off both my first and second mortgages in full and the credit bureaus are now NEGATIVELY reporting the PAID in FULL for the FULL balance as NEGATIVE Activity on my credit report. How can the sale of my home for a profit that yielded the payoff of my accounts be reported as NEGATIVE?? The accounts were closed by the lenders because they were paid in Full from the Sale - not due to ANY delinquent activity on my part - so why is this considered negative?? And why on earth would you report my credit score as Negative. This whole credit reporting system is a joke and detrimental to hard working consumers who pay their bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Legal Procedure for Disputed Information under 15 U.S. Code 1681i, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by XXXX and Trans Union XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by XXXX and Trans Union in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section 1681i of Title 15 of the United States Code outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of XXXX and Trans Union, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that XXXX XXXX not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that XXXX, Trans Union, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.
Product: Credit card

I paid my XXXX credit card ( {$90.00} balance ) in full or so I thought. The card was one day late and was charged a late fee. I did n't realize that I had incurred the late fee therefore did n't think I was carrying a balance. I do n't recall seeing the statement last the credit card statement either? 

I used the card again in XXXX and when I went to pay the bill off in full again, I realized I had a past due + 30 day balance. I am in the mortgage industry and realized the impact this ONE LATE PAYMENT BECAUSE I WAS ONE DAY LATE now has dropped my credit XXXX points and the cost of credit I pay increases because i was 1 day late on a {$90.00} balance. And I pay this Target card in full overtime! 

I reached out to XXXX and the person I spoke with indicated they would open an investigation and realized that I was one day late and have a great pay history etc. I received a letter stating the investigation was complete and they found out they found I was late. 

While I realize I was, I feel that this impact it has on my credit and financial history is extreme for a 1 day late credit card when I the consumer thought the card was paid in full. I would have paid any amount due then have my credit affected the way it has. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment complex, 6 months later I was notified they said the carpet had regular wear on it and sent my account to collection without trying to contact me by phone, mail or email.. the collection agency said they looked up my name and sent a letter to XXXX XXXX XXXX not my adress
Product: Checking or savings account

I have gotten a service charge fee on XX/XX/XXXX when I had money in my account, returned check fee XX/XX/XXXX and XX/XX/XXXX and all of my charges were covered and they was not able to even tell me why. Another service charge fee XX/XX/XXXX with money in my account. Return item fee when nothing withdrew from my account or made my account overdrawn to return any item. Return item again and again no item was withdrawn or tried to withdraw on XX/XX/XXXX. Charge fee XX/XX/XXXX. Alos the bank will take the money for a purchase and then try to say it's pending later and try taking the money again as if you haven't paid it, rearranging purchases.
Product: Mortgage

Citibank sent me a letter dated XX/XX/2018 saying that they were going to charge me for insuring my apartment. The letter acknowledges that I have homeowner 's insurance already but says it has to purchase it for a past period. 

Citibank does not claim it actually purchased insurance for me, it says it is going to purchase insurance and charge me {$100.00}. 

As everyone knows, no insurance company will ever pay to insure a period of time that has already ended. So, it is impossible for me to purchase insurance for that period. It is also impossible for Citibank to purchase insurance for that period, but they still plan to charge me {$100.00} even though they will not actually buy insurance with that money. 

I called Citibank today and they said the letter was valid and they are going to charge me {$100.00}, even after I explained the situation.
Product: Vehicle loan or lease

I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.