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

Chex Systems , Inc. Security Freeze web page ( https : //www.chexsystems.com/web/chexsystems/consumerdebit/page/securityfreeze/placefreeze/ ) will not process submissions with valid Washington State Enhanced Driver 's License Numbers. I even tried truncating my license number to see if it would submit with some of the leading characters removed... no luck. I verified this multiple times on the page and then called Chex Systems. Note that the WA enhanced DL number is not new : it was issued more than a year ago. So, this is not some data synchronization delay. 

The Chex Systems agent confirmed there was a problem with the web page in terms of taking driver 's license numbers and offered to take my information over the phone. It took two minutes for the agent 's " system '' to become available. Even if the agent was working overseas, which I suspect, where latencies to US-based web sites/servers would be higher, that length of delay is absurdly long and may be intentionally in place to discourage callers from completing freezes. I asked the agent why it took so long and noted that the slowness was surprising given that freeze tasks are presumably a core element of the agent 's job ( i.e., wouldn't their system already be up? ). The agent did not have a cogent response to that. 

I finally decided to just mail the sensitive information required for the freeze placement and the agent provided what I needed to include : full name, SSN, DOB, current mailing address and a remark that I wanted to place a freeze. The agent also gave me the mailing address. I thanked the agent and ended the call. 

I decided to call back into Chex Systems automated system and navigate through the menus and voice response to see if the details the automated system gave on how to mail in a freeze request would match those from the agent. They did not. The automated system included all the items the agent had mentioned but additionally requested Driver 's License number ( incl. state of issuance ). Was this a purposeful exclusion by the agent so that a freeze request could be denied or stymied? Possibly. It could have also been an honest error. Or maybe they really don't need DL number ( curiously the web freeze page doesn't have a red star indicating DL is required but in fact you can't submit the form without it ). 

Another curious fact : Chex Systems does not just post the info needed to place a freeze by mail directly on their web site. They make you call to get that. Why? The only logical conclusion is that they want to make it harder to submit a freeze request. 

The sum of these experience suggests, at best, multiple acts of incompetence by Chex Systems. However, there is also the strong possibility of willful action by Chex Systems to complicate submissions of freeze requests, thus discouraging them, or even to facilitate erroneous or incomplete freeze submissions that can then be denied or pushed back to the customer, who may no longer have the patience to continue. In short, Chex Systems handling of this matter reeks of obstructionism.
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the incorrect items on my file. However, there are still remaining items that need to be removed. According to FCRA section 605, you are required to remove any items listed in an Identity Theft Report. I am providing Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you must remove any incorrect information from my file within XXXX business days of receiving : ( 1 ) appropriate proof of my identity; and ( 2 ) a copy of the identity theft report. Please ensure the removal of the following items : Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- -- -- -- -- XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$450.00}. I do not consent to XXXX or any automated verification methods. I expect your immediate attention to this matter and a response within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile continues to show that I am 90-119 days late on my XXXX XXXX XXXX account. The amount is {$73.00}. However, I paid the card off over two months ago. I paid it off before it was 30 days late ; however, the company is continuing to report that it is not paid. When I log into XXXX XXXX XXXX website, the balance continues to say XXXX. I have written a letter and mailed it to the company. I paid to have the letter certified, so that I know someone at the company received it. However, the account is still being reported as late. They have not updated the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

From What I Understand, Hard Inquiries, On My Credit Report, Are Supposed To Be Removed, After 2 Years. I Have XXXX Hard Inquiries ( XXXX And XXXX XXXX ). The 2 Year Period Was Up On XX/XX/2021. EXPERIAN And XXXX, Refuse To Remove, The Hard Inquiries From My Credit Report. The 3 Credit Reporting Agencies, Hate To Raise A Person 's Credit Score.
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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage broker, XXXX XXXX at Meadowbrook, was negligent last XXXX, 2016. He was unaware of a critical deadline ( my son 's XXXX birthday ) which caused my refinance to fail. He gave me wrong information about the deadline that I passed on to my co-op that was processing approval forms ( XXXX ) for me. Then when I succeeded getting the forms and XXXX had a short remaining window to get the job done, he disappeared, sending out a bogus autoreply that he was at a funeral for 2 days- except with dates for the previous month. 

So I also suspect that he may have willfully wanted me to require extensions and was purposely slow ( based on not knowing my critical deadline, but just believing I could get standard extensions ) because it was somehow beneficial to him - that he 'd make more money from the deal as a result. And if this was the case, I suspect that he may be doing this to other clients too.
Product: Mortgage

Closing date XX/XX/2020 Mgt. payment including PMI {$1100.00} {$1000.00} P & I {$100.00} PMI {$180.00} Escrow BSI has been sending {$300.00} to the PMI company monthly instead of the {$100.00} on the closing documents. I have called repeatedly and they state 'this never happens we will look into it ''. BSI does not look into it and now wants me to pay an additional {$1500.00} due to their error of sending 3X 's as much to the PMI company as they were supposed and the analysis showing I am deeply negative. This mortgage is not even due for for an analysis as it is only 6 months old and paid according to the terms of the closing documents. 

I want my money back in my account as this has been going on since XX/XX/2020 and they refuse to rectify this situation and get my money back from the PMI company. I want interest paid back to me and my credit repaired as they have increased my mortgage payment and created an error due to their negligence. 

All supporting documentation is attached should you need further information I will be happy to supply it.
Product: Credit card or prepaid card

I signed up for this credit card because it advertised {$150.00} cash rewards after spending {$500.00} in the first 3 months. I did not get the reward so I called. It clearly says for the card I received {$150.00} cash back. The directed me to scroll down and the fine print contradicts the advertisement. This is misleading, deceptive and false advertisement. Here is a link to the page. There is a ( * ) next to the claim of {$150.00} cash back. This is supposed to lead you to the fine print that contradicts it. https : //www.capitalone.com/credit-cards/cash-back/quicksilver/
Product: Mortgage

RE : Citizens Bank All paperwork had been filed and initial discloser issued XX/XX/2021. 
Pre approval was provided, a commitment was made XX/XX/2021. It took over 45 days to be engaged by their independent appraiser. the appraiser within close to a week provided an appraisal on XX/XX/2021. XXXX XXXX reached out to complete some paper work on XX/XX/2021 and the required information was provided that day. 

I have reached out several times with no response to everyone that had communicated with at Citizens. I reached out several time again. XXXX XXXX is now the XXXX XXXX contact of who I tried contacting, but no response again. A month after being notified that XXXX XXXX was the new contact, I received one email stating he was " looking into it ''. I finally reached him by phone and there was no examination other than having to review my credit score ( NOW 6 MONTHS LATER ) and they weren't processing any refinances. 

I do not know what to do. I was setting up a refinance for lower monthly payments, lower interest and relief from the pandemic financial hit. 

I'd like to use another bank, but Ive paid for the appraisal and exhausted a lot of time. 

Please assit me in finding a resolution. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are completely reporting different information. Over the years I have noticed that it is becoming worse and worse. They are not in alignment with the law, they report information that one has and the other does not. they report dates that are not there, amounts that are not there and account that are not even on anyone Elses reports which seems like fraud. I have highlighted all violations in yellow and listed them below. 

XXXX has XXXX XXXX XXXX listed with a closed collections remark with the amount of {$750.00} Equifax does not have this account even listed on my report. This should be removed immediately. VIOLATION XXXX has XXXXXXXX XXXX listed on my report. Equifax does not. This should be removed- VIOLATION. 

XXXX has inquiries listed : XXXX XXXX XXXX XXXX listed 3 times- Equifax does not have any of these listed on my report- VIOLATIONS ( 4 violations ) Equifax has XXXX XXXX XXXXsted under inquiries- XXXX does not have this listed on the report- VIOLATION. 
XXXX also has very different information and should remove anything that is not already listed on all three reports. 

Lastly, XXXX has XXXX XXXX listed under Auto-loans. EQUIFAX DOES NOT have this listed on any report belonging to me and neither does XXXX. This is a VIOLATION. and should be removed completely. 

So many violations with XXXX, EQUIFAX AND XXXX.
Product: Debt collection

TrueAccord, a debt collector, has contacted me multiple times about a debt that it know that I do not owe. This company and I have never had any contractual relationship. And its partner/agent, XXXX, likewise has no contractual relationship with me either because XXXX voided our transaction due to a failure to provide a contracted for good. 

As such, TrueAccord is violating federal law my trying to collect upon a non-existent debt, claiming to have bought a right to enforce a non-existent debt and for failing to stop communicating with me about a non-existent debt after being put on notice. I ask the CFPB and other regulators to enjoin, fine and otherwise sanction this debt collector and its partner/agent XXXX.
Product: Checking or savings account

On XX/XX/2019 at approximately XXXX XXXX ( est ) I contacted Chase Bank regarding an email I received and thought it to be suspicious. The email stated that my personal phone number had been deleted from my account and if I did not request this change to contact Chase immediately. I did not request my number to be deleted so I contacted Chase. I spoke with one representative and to a supervisor regarding my concerns. The supervisor for online was XXXX and she could not answer me if this email was indicating fraud on my account. I told her repeatedly that I did not request my number to be removed but she kept saying she could not confirm that it was Chase or someone else that removed my number.
Product: Credit card

I booked a XXXX ( XXXX XXXX 2024 ) stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through American Express XXXXXXXX XXXX XXXX XXXX On the day of departure, I got a message from the airlines ( XXXX ) that my flight had been cancelled and was told that they could book me on a flight the following day ( XX/XX/XXXX ). I immediately reached out to American Express XXXX XXXX  and asked them to reach out to the hotel to ask if I could check in a day later and was told that the hotel would not allow me to check in a day later. As a result, I had to cancel my trip. I reached out to the both American Express and the hotel to request a refund for the {$2200.00} I paid for the XXXX XXXX. The hotel indicated that I would have to request a refund from American Express XXXX XXXX XXXX because they were the third party who received the funds for the hotel stay. When I reached out to American Express XXXX XXXX to request a refund, I was told that they did an investigation and that they are not able to refund me because no refunds were permitted after XX/XX/XXXX. I booked my hotel using American Express XXXX XXXX to have a level of assurance that I thought American Express offered to its XXXX cardholders. At the end of the day, American Express lost nothing in this transaction and I am out of {$2200.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX account ] I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. I made all the payments and this account is on my us visa but they put my account on my credit score and decresed my points and they also closed my account after receiving the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

9 MONTHS AGO WHILE MONITORING MY CREDIT REPORT I DISCOVERED AN ACCOUNT IN COLLECTION STATUS ON MY CREDIT REPORT. IT WAS REPORTED ONTO MY CREDIT REPORT FROM A TELECOMMUNICATIONS/INTERNET SERVICES PROVIDER COMPANY THAT I HAD NEVER DONE BUSINESS WITH, CONTRACTED WITH, OR HAD SERVICES PROVIDED BY THEM. THE COMPANY REPORTING THE ACCOUNT AS UNPAID AND IN COLLECTION STATUS WAS SHOWN AS : XXXX XXXX FOR XXXX, XXXX XXXX, XXXX, MASS. 
TELEPHONE:XXXX  THE AMOUNT OF THE COLLECTION WAS FOR {$360.00} AND INDICATED THE ACCOUNT BEING OPENED ON XX/XX/2018. 

SINCE THE ACCOUNT WAS NOT MINE I WAS CONFIDENT THAT IT HAD BEEN REPORTED IN ERROR BY THE CREDITOR. I PROMPTLY NOTIFIED THE REPORTING COMPANIES OF THIS ERROR BY USING THE DISPUTE PROCESS TO THESE CREDIT REPORTING COMPANIES, XXXX, XXXX  AND TRANS-UNION. I WAITED THE REQUIRED 30 DAYS BEFORE REVIEWING MY CREDIT REPORT TO DETERMINE THE STATUS OF THIS DISPUTE. UPON MY REVIEW OF THE CREDIT REPORTS FORM EACH OF THE CREDIT REPORTING COMPANIES I DISCOVERED THAT XXXX  AND XXXX  HAD DETERMINED MY DISPUTE AS VALID AND HAD REMOVED THIS WRONGLY REPORTED COLLECTION ACCOUNT. TRANS-UNION DID NOT REMOVE THIS INACCURATE ACCOUNT/COLLECTION FILE. I MADE TWO MORE ATTEMPTS ASKING TRANS-UNION TO DELETE THIS CREDIT FILE WITH THE SAME RESULTS. I THEN SENT A REQUEST TO THE COMPANY MAKING THIS INACCURATE AND INCORRECT CREDIT REPORT ASKING THEM TO FORWARD DOCUMENTATION THAT WOULD SHOW THE ACCOUNT HISTORY AND PERTINENT INFORMATION. IT HAS BEEN OVER SIX WEEKS AND NO RESPONSE HAS BEEN RECEIVED I THEN MADE THE SAME REQUEST TO TRANS-UNION TO PROVIDE DOCUMENTATION THAT I WAS THE OWNER OF THIS ACCOUNT AND ALSO ASKING THAT IF DOCUMENTATION COULD NOT BE PROVIDED TO THEN DELETE THE FILE FROM MY CREDIT REPORT. NO REPLY HAS BEEN RECEIVED AS WELL AS THERE BEING NO CHANGE TO MY CREDIT REPORT. TRANS-UNION HAS BEEN EXTREMELY UNRESPONSIVE AND BY LAW IS OBLIGATED TO EITHER SHOW PROOF THE FILE IS MINE OR IF NOT TO DELETE THE FILE. THIS NEGATIVE AND INACCURATE CREDIT FILING IS CAUSING GREAT HARDSHIP. IT HAS HURT MY CREDIT SCORE AND PREVENTING MY ABILITY TO PROCURE LOANS TO PAY MEDICAL BILLS FORM MY THREE YEAR BATTLE WITH XXXX.THIS ISSUE DEMANDS INVESTIGATION AND MY RIGHTS GUARANTEED BY LAW B E ENFORCED.I HAVE EXHAUSTED ALL ASPECTS OF RESOLVING THE HARM AND INJURY RESULTING FROM THE CREDITOR AND TRANS-UNION TO SHOW PROOF OR DELETE THE FILE. I GRATEFULLY ASK YOUR HELP WITH THIS ISSUE. IT IS DIFFICULT ENOUGH WITH THE ISSUES WE ALL ARE FACING IN OUR DAILY LIVES MUCH LESS HAVE MY ABILITY TO INTERACT IN REGULAR FINANCIAL COMMERCE.I THANK YOU IN ADVANCE FOR YOUR ASSISTANCE. XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete the unauthorized inquires here 's the lists \ XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

I contacted company on several occasions to clarify that the debt is n't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXXCAINE & WEINER # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, 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 account 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 XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I have several XXXX XXXX credit cards that I have falled deliquent on. I have recieved several calls a day to my cell, my husbands cell, my inlaws and my neighbors number. I have called and spoken with 3 different managers asking to remove all phone numbers and only communicate via mail. I have also stated that I will be filing bankruptcy within a few months and do not call me. I have continued to recieve calls and they have called in my inlaws telling them that I havent paid my credit cards in months. Then I have had several calls from " specialist XXXX '' claiming to call about my XXXX card with this bank stating since I have ignored her attemps to call me now my IGNORANCE will be documented as a refusal and she she sending my " complaint '' to a higher department. SHE LEFT THIS ON MY VOICE MAIL AFTER I CALLED and spoke to a manager telling them to cease and desit ALL PHONE NUMBERS and I am continued to be harrassed
Product: Credit reporting or other personal consumer reports

The XX/XX/XXXXloans listed on my account that's being reported by all of the three credit bureaus have been discharged. Attached to this complaint is a copy of the discharge letter which can be used as proof that these accounts should no longer be reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX account name XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

On XXXX XXXX, XXXX I called Citizens Bank in XXXX, MA to ask them how I can close our my checking account no. XXXX. XXXX XXXX XXXX told me I had to have a zero balance in order to do that. He said there was a balance of {$58.00} and to write a check for that amount to clear the account which I did check no. XXXX for {$58.00}. On XXXX/XXXX/XXXX I get an overdraft fee for {$5.00}. I called the bank and he said not to worry about it. I then get a statement saying that on XXXX/XXXX/XXXX I was charged a late payment of {$20.00} and interest charges of {$19.00}. My Husband called the number on the statement XXXX and they said that we owe them {$1000.00}. They said we were given an overdraft line of credit and we owe it to them. We were never aware of this and they take {$20.00} per month from our account for overdraft charges and if it is overdrafted they charge us another {$30.00} on top of that. We never took a loan with them and they have always taken the overdraft charges right out of our checking account along with their maintenance fees. This have been since the year XXXX. They have already been paid the overdraft charges right from our checking account. We just want the account closed and for them to stop charging us interest and overdraft fees for an account we closed.
Product: Credit reporting or other personal consumer reports

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified the police, FTC, and collection agencies, and my private information was used to get these apartments and is currently being used for goods and/or services. This address is in the FTC affidavit in the personal information section as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraud addresses.