23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made my payment on XX/XX/year> ( the due date ) for the full balance on my account ( {$300.00} ). The payment came out of my bank ( electronic payment ) on XX/XX/XXXX. On XX/XX/XXXX Cardmember Service reversed the payment, claiming that payment was denied by my bank. I learned of this on XX/XX/XXXX, when I was notified that my payment was past due. After verifying that I had submitted a payment and that it went through my bank, I called Cardmember Service. They started a research ticket, and I was told to provide the transaction history showing the payment came out. The only methods they offered were fax and U.S. mail -- no email or online upload of documents. I don't have a printer or fax, so it took me some time. On XX/XX/XXXX I went to the library, printed the transaction history, and faxed it for a fee. On XX/XX/XXXX I received a form letter in the mail, dated XX/XX/XXXX, stating the payment was returned by my bank ; it also stated that if the bank did credit Cardmember Service,, I should provide documentation showing that. 

On XX/XX/XXXX I printed a copy of my bank statement showing the transaction, and faxed it to Cardmember Service. Around the end of the month I received the same form letter, this time dated XX/XX/XXXX. 

On XX/XX/XXXX I mailed a letter to Billing Inquiries formally disputing the payment reversal ; I sent it via certified mail, so I know it was received on XX/XX/XXXX. I never received a response. On XX/XX/XXXX I called to check the status, and I was informed that the credit was pending and should be done no later that XX/XX/XXXX. The representative I spoke with refunded the late fee and interest I had been charged at that time. 

On XX/XX/XXXX I checked my account, and the payment was not credited. I called to find out where it was, and I was informed it had been returned to my bank. I checked the bank, as well as another bank I have made payments from, and the money was not there. So I called back. I could not get a straight answer and was extremely angry, so I waited until. the next day to try. again. It was on XX/XX/XXXX, after several more tries, that I was informed that they needed the ACH Trace number. This was the first time I was informed this information was needed! I immediately contacted my bank for that, and called Cardmember Service with that information. To this day my account still has not been credited with the payment, and I have been charged another late fee and more interest because I will not send them more money than I actually owe. 

There were other occasions when I called, too. Every time I call, I get a different representative and have to start from the beginning explaining what's going on. Some calls dropped while I was on hold ; when I called back, there was no way to get back to that same person, so I had to start all over. There also is no way to speak to anyone in the research department -- not even a supervisor. The people I can speak with can see the payment was made but can't credit it ; and I can't speak with anyone who is able to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$410.00} ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
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 any 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>
Product: Mortgage

We requested to have our PMI removed in XX/XX/XXXX. We completed a form and mailed a check to pay for a BPO to have an inspection performed to confirm our property was valued above the required threshold for PMI removal. The check was cashed on XX/XX/XXXX. We received a call and email on XX/XX/XXXX to schedule the inspection. Between XXXX and XX/XX/XXXX I was in touch with the broker and we scheduled an inspection for XX/XX/XXXX. The inspector didn't show up for the appointment, so I contacted her and she said the appointment had been canceled by the lender on XX/XX/XXXX and she didn't have any additional information. I reached out to the lender 's customer service via chat on XX/XX/XXXX and they weren't able to help me and advised me to contact customer service via phone or email. I attempted to contact the lender via phone that day and the customer service line wouldn't connect. I submitted a request via the lender 's website on XX/XX/XXXX and never received a reply. I was able to get through via phone on XXXX and the lender claimed that the broker hadn't been able to reach me or hadn't been able to access the property so they were refunding the payment for the XXXX and I would need to start the process over again. When I told them that I had been in touch with the broker and we had an appointment on the calendar ( so the reason they were giving didn't make sense ) they just repeated the same information. I reached out to the broker again while I was on the phone with the lender 's customer service agent and she reiterated that the request had been canceled by the lender and that the lender was aware of the appointment scheduled for XX/XX/XXXX. I waited on hold to speak to a supervisor in the lender 's customer service department ( I was on the phone for almost an hour ) only to have the supervisor tell me the same thing : they don't know how this happened and we'll need to restart the process. We've now paid XXXX extra months of PMI through this process and now are looking at having to continue to make PMI payments while the process starts over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Hello, We had Internet with XXXX XXXX XXXX. 
Then my contract finished my wife personally took it to place they said. 
But XX/XX/2018 WAyresgrp collection company send XXXX $ in my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquiries associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report account.
Product: Credit card or prepaid card

On XX/XX/2022 I applied for a XXXX XXXX XXXX XXXX  account with Navy Federal Credit Union I was very sure I was going to be approved, but a week later I received a denial letter stating that the results of analyses of repayment histories and behaviors of large numbers of members.This system creates a proprietary Navy Federal XXXX XXXX for each credit card applicant with consumer report information on file. They stated why I was denied. 

The letter stated that I do not qualify for the minimum required credit line for the product. 

Stated again that in evaluating my application the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in their decision and is unable to supply specific reasons why they have denied me credit. 

XXXX XXXX Relations I have a problem with the fact that this company for XXXX ran an inquiry on my credit report just to come up with drawn-out excuses as to why they denied me credit, and these reasons for my credit denial are not listed in the companies credit card agreement nor on their web site where it states ( How to apply for credit ) or ( How credit work ) I feel as if I was judged based on my race and age because they have a picture of my ID and when they could not deny me off my credit they took a whole new credit rout.
Product: Checking or savings account

I am writing to formally file a complaint against Navy Federal Credit Union concerning the numerous overdraft fees I have incurred despite having sufficient funds available when the transactions were authorized. The application of these overdraft fees appears to stem from the delayed posting of charges and credits to my account. This issue is consistent with the recent findings from the Consumer Financial Protection Bureau ( CFPB ) regarding similar practices employed by the Navy Federal Credit Union, in which transactions were processed as insufficient despite the initial availability of funds. I consider these practices unjust, and I kindly request a thorough investigation into the transactions on my account.
Product: Mortgage

In XX/XX/XXXX I was informed by XXXX XXXXXXXX XXXX that my Escrow account needed {$1700.00} to bring it up to date. On XX/XX/XXXX XXXX XXXXXXXX XXXX withdrew {$3700.00} from my XXXX XXXX XXXXXXXX account, broken down as follows, {$1700.00} to bring my Escrow account up to date and {$1900.00} towards my mortgage. 
Please see XXXX XXXX XXXX Statement attached. 
On XX/XX/XXXX I received a letter from PHH Mortgage Service they were the new Servicer of my mortgage and that my Escrow account was negative {$230.00}. 
On XX/XX/XXXX I received another letter from PHH Mortgage that my Escrow account was short {$1600.00} short. This meant I would have paid {$1700.00} on XX/XX/XXXX to XXXX XXXX XXXX  and an additional {$1600.00} to PHH Mortgage making a grand total of {$3400.00} meaning I would be paying this Escrow shortage twice. 
I have exhausted all efforts for PHH Mortgage to correct this discrepancy but they have refused to do so. In fact they have increased my Mortgage by over {$250.00} At this the only recourse I have left is to ask for an investigation by the relevant authorities.
Product: Checking or savings account

I have banked with Wells Fargo for many, many years. I have numerous accounts with them. A few weeks ago I noticed there were hundreds of spam emails coming to my business account Then, the next day I discovered my bank accounts had been emptied for very large sums of money. Immediately I contacted the Fraud Department at the bank, to report the criminal activity so I could get my money back. Wells Fargo said they would do a XXXX investigation, and I was expecting swift return of this money as the bank advertises your accounts are FDIC insured XXXX The hacker somehow got into my accounts and started transferring credit card advances to my business checking account in large sums such as {$25000.00} and {$30000.00} at a time. They then went into the checking accounts and transferred the money out like a bill pay. Wells Fargo is denying the claim and not putting the funds back into my accounts. Also, I filed a report with the XXXX XXXX XXXX regarding this theft. The XXXX told me they could get a search warrant to go into Wells Fargo to find out who took this money. However, because of the short-staffed department, it could take some time. 

Understandably, I am upset as what I thought were my protected funds at Wells Fargo are obviously not. If bank 's don't protect their clients then where can you put your money. I would like you to investigate Wells Fargo, as this has probably occurred to many people.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

.
Product: Debt collection

Wells Fargo sent out a check for XXXX for repayment from fraudulent bank activities or whatever the reason. XX/XX/23 I had to send in all the paperwork as far as death certificates, wills, affidavits and whatever else they asked me to send in. Being a XXXX XXXX I like to call in to make sure all of my documents are right and that they were received and uploaded. I did that several times in the first week, only to be told all those times yes we have everything. Then just checking in again for safe measures I was told XXXX paper did not come through. Go back to fax that and they said my time frame of XXXX business days for the reissue had to start over! Then I wait all that time to get a reissue with the wrong name spelling. So now on XX/XX/23 Im told that I have to wait another XXXX business days for them to correct their mistake and Im on the verge of losing everything and a XXXX that is still down.
Product: Credit reporting or other personal consumer reports

My issue is with Experion. 
The bank that I had a home equity loan with, filed a late payment report after I had paid the loan off completely. I filed grievances with 3 separate credit agencies. Both XXXX and XXXX cleared the problem and raised my credit score back to where it was before the erroneous report was filed, to XXXX. 
My problem is with Experion, I had to file 2 grievances with them. They have not cleared the info and have kept my credit score below XXXX.
Product: Checking or savings account

My uncle sent me money for a car and to pay my classes through XXXX. I had XXXX connected to another XXXX of my accounts, which was working fine sending and receiving money then I switched it to Capital One. My account got restricted after l lost my capital one card, and was transferring money to my other account using XXXX. Ive been trying to get my account unrestricted for days and nothing. They ask to speak to my uncle, he called them but that was not enough. I asked to have the account closed and the funds sent my mailing address. Cause they sent an email saying they will close the account and either mail the funds on the account or send it to the link account. XXXX just tired of going back & forth for days, and nothing being resolved. Because my uncle sent me using his XXXX and it has the company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XX/XX/XXXX Inquiry : XX/XX/2021 XX/XX/XXXX Inquiry : XX/XX/2021
Product: Debt or credit management

XXXX claims I owe an amount however this amount due is the sole responsibility of the shipper in this instance, not me. Debt was sent to TSI TRANSWORLD SYSTEMS to collect. I requested that this company absolve this debt as I am not responsible for this debt. This company has lot yet absolved this debt therefore this issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted payment relief and forbearance of my federal student loans with XXXX XXXX due to a loss in income. The way that this was reported negatively impacted my credit score. I contacted XXXX XXXX and was told that I needed to contact the Consumer Reporting Agency to have it corrected.
Product: Credit reporting or other personal consumer reports

This address and inquiries below that are showing on my credit report are fraudulent and needs to be removed immediately off all my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

For twenty years my mortgages have been sold or my lender went out of bussines with a new company... .Three times I have lost my escrow every time at a cost to me of a few XXXX dollars... 
My new account holder has now sold my mortgage or going out of business... 
for the past two years I have paid my tax and insurance through them ... New statement as of XXXX went up XXXX dollars each month for escrow payment .... 
My taxes and insurance have not gone up it is a new Estamate that might go up .... I will no longer hold any extra in escrow for the reasons I have stated .... 
This aging is only a usage for mortage to control more of others money .... I have stated the loses of before and have tried to regain access of them, with no recourse of other chalk it up to XXXX happens .....
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I'M STILL HAVING ISSUES GETTING THESE ACCOUNTS REPORTING ON MY CREDIT REPORT REMOVED THAT ARE DUE TO IDENTITY THEFT.
Product: Credit reporting

XXXX rental furniture picked up their stuff and was suppose close this account and I was not to be charged any other fee 's per XXXX I could even rent in the future if I needed to. Then why would this charge off be on my account. 
XXXX RENTS CHARGED OFF ACCOUNT XXXX INSTALLMENT {$400.00} XXXX {$400.00}