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

Today XXXX XXXX, Experian via email gave results to an investigative report of the disputed inaccuracies on my consumer credit file and report. They concluded that they spoke to the creditor ( s ) XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX XXXX XXXX  - XXXX and the creditors certified ( officially attested to something they were not witness to ) to Experian that the information was accurate and factual. ( Exhibit A ). With that written on my consumer report that is evidence of willful noncompliance of 15 USC 1681a ( e ), as it states no factual information shall be furnished on the consumer 's credit record obtained directly from the creditor or person reporting the information. Experian unfair acts and refusal to remove what should be EXCLUDED from my consumer report has caused financial and emotional damages and injuries. They are not following my written instructions of what I am allowing them to furnish pursuant to 15 USC 1681b ( a ) ( 2 ). Experian is also reporting transactions that are dealing with an extension of consumer credit via a credit card which Congress said shall NOT be furnished on consumer reports.
Product: Checking or savings account

My name is XXXX XXXX, Account # : XXXX I have been a member of NFCU for 3 years now, and I have accumulated {$1000.00} 's of dollars in various fees including ( {$29.00} ) " returned check fees '' " insufficent fund fees '' over the years. Last month was the last straw. I accumulated 3 in the same month from companies being allowed to charge my account somehow when I'm in a negative balance. I am being taken advantage of by NFCU and there's nothing I can do about it. I have called the company on multiple occasions to not let any charges through if I don't have the money in my account to cover it. I have asked multiple times for refunds on these charges, never happens. They are crooks and stealing my money, as I am going through financial hardships, causing me to go deeper and deeper into a hole I can not recover from. This is causing me emotional damage and extreme stress leading to health issues, I demand ALL of these illegal fees ( not just the insufficient funds and returned check fees, ALL of them ) be credited back to me immediately!
Product: Credit reporting or other personal consumer reports

The following fraudulent Inquires have been reported on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.
Product: Mortgage

On XX/XX/, Chase Executive Office, XXXX XXXX XXXX XXXX XXXX, \OH XXXX, that the home ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX is no longer XXXX XXXX XXXX, and that XXXX XXXX XXXX Has no legal or financial obligation to the said residents after the XXXX was finalized in XXXXXXXX XXXX 
Copy of the Court Document for the State of Illinois in the Circuit Court of the XXXX XXXX XXXX XXXX XXXX of XXXX. In that I did sign the property over to my ex-wife and her current husband XXXX XXXX XXXX XXXX XXXXXXXX ). 
I have requested numerous times to Chase to remove me off the property and to have it removed off my credit report as being transferred to them, per court order. 
Chase has no authority to overturn a court order that the property is no longer XXXX XXXX XXXX. 
Chase has refused it, and it is not being reported properly on my credit report, that should say it was sold to the above names and shown that it is sold. 
This is stopping me from buy a home to move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to XXXX. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

XXXX of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate 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 unfair and deceptive, as they did not 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 | seek appropriate redress for these violations.
Product: Mortgage

my mortgage started on 2008 with XXXX XXXX, after 3 months they switched me to GMAC Mortgage. Since that time my monthly payment was {$770.00} which includes tax and insurance and I have no problem with them. Approximately 2 years ago GMAC Mortgage became bankrupt and they switched me to OCWEN Mortgage now is when my problem started, they increased my monthly payment to {$840.00}. When I called them they told that I have a shortage in my escrow and I have to pay {$330.00} right now. I paid it on the same day with a {$16.00} fee but my monthly payment has n't went back to {$770.00}. Since 2008 the taxes in my area decreased and my home insurance also decrease. Why did they increase my escrow. Why did n't this problem happen with the my old mortgage. Please they have very bad customer service. I am a student and I cant afford a lawyer to speak to them and that 's my problem. I hope that you can help me and thank you so much for helping all of us.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorize by me they are attempt to fraud me. Please remove these inquiries because i did not authorize these inquiries. 


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

XXXX was removed which caused a XXXX point drop in credit score. And want XXXX added back. XXXX had a good reporting on my report. The online information is inaccurate to the actual physical report & am disputing things that are a positive on my credit. Experian refusing to address late payments on my account due to illness & when I try to call Experian I am given a difficult the to get through to dispute then when I do, am refused & sent a credit report, or given inaccurate information on my credit report. Not updating such as XX/XX/2021, Experian will not remove soft inquiries I did not authorize
Product: Credit card or prepaid card

The issue I'm currently experiencing with my Visa, Wyndam Rewards card. Around the end of XXXX early XX/XX/2019, I called my CC 's 800 number to simply check my balance. 
When I called in I was not offered an option to hear my account balance via the automated system I was sent to a Customer Service Rep. I verified myself and explained to the CSR that I was in a hurry, I just need to get my account balance but was unable to retrieve it through the automated system. To which the agent stated that she would first need to clear up the fraudulent transaction 'flag ' she was getting ; as we started this process she wanted to mail me a new a card, I declined. There was an obvious language barrier ; she stated that she could not complete the action w/out requesting a new card. I let her know I didn't have time to do this, I just wanted my account balance to just leave the charge for now and that I'd call back and deal w/ it later. She would not give me my balance information, to which I became very upset and asked what would happen to my account balance if I were to just cancel the account. She answered my question. She then asked me if I wished to close my account ; I told her no, I believe I was cursing because I was so upset I still didn't have my account balance after all this and disconnected the line. 

I called back on XX/XX/2019 to inquire about my account balance ( as I pay my bills at the end of the month ). Again, I was not offered the automated system and was given to an agent. The first thing I brought up was taking care of the fraud charge and stated that if it was necessary to go ahead and send me a replacement card. The agent was very helpful in getting my account balance but was confused as to why I kept mentioning the mailing the of a new card. After a lot of back and forth and a clear language barrier, the CSR disclosed that my account was closed. To which I informed her that I had never requested for my account to be closed. I requested a Supervisor ; I was put on hold for over 30min. only to be told no Supervisor was available and that it would be taken care of by her supervisor w/in the next 24-48 hours and that they would listen to phone call to confirm. 

Today, XX/XX/2019 I received a letter from Barclays that they apologize but are unable to reopen my account. I then tried calling back and requested to speak to a supervisor about my problem and was left on hold for over and hour and a half ; at which time my cell phone dropped the call. 

I am not only upset that this agency has fraudulently closed my account without my request or permission. Then lie to me and tell me that it will be taken care of as it was their mistake. And then like a coward send me a letter in the mail stating that it's against their procedures to re-open accounts .... Well where in their procedures does it give a CSR the right to just close an account without the cardholders request or approval.
Product: Credit reporting or other personal consumer reports

This morning I received a notification about an inquiry to the credit bureau from XXXX XXXX on XX/XX/year>. I did not initiate any request with XXXX XXXX, and as a result, I do not recognize this inquiry. 
I contacted XXXX XXXX, and they don't have any record of this inquiry in their system with my information. They recommended that I reach out to TransUnion to report this issue. TransUnion said that they need me to contact you to obtain documentation and a resolution regarding this matter. 
I am concerned that it could be fraudulent or a mistake. I would like to address this matter promptly to ensure the safety of my financial information.
Product: Credit card

Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.
Product: Mortgage

Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 Credit report contains inaccurate information, income, and/or bank account balance from XXXX XXXX. 

Credit report was submitted without consent and/or authorization. 

XXXX XXXX has not honored the agreement and/or complied with applicable laws/statutes ( UCC 8-112, etc. , FDPC, FDRA ) nor provided remedy and recourse via lawful recission demanded by customer as a result in a reasonable time.
Product: Credit reporting or other personal consumer reports

After looking at my credit report. I noticed there was some fraudulent accounts. I requesting that you remove these accounts from my report because they are affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about AFNI and their unethical business practices. The debt they are attempting to collect is from a XXXX account that unfairly charged me cancellation fees after they verbally confirmed that due to moving to an address outside of their service area, I will not have to pay the {$250.00} fee. 

AFNI reached out via mail in 2018 about the debt, but has been listing the debt as " new '' on collections which is inaccurate. This unscrupulous practice has wreaked havoc on my credit score as a result, and this misrepresentation on my account is simply not true. Based on other reviews on XXXX it appears this is one of their regularly used tactics which is shameful to say the least.

They should be listing the ACTUAL date of the initial debt and not lie when reporting it to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I could not get anyone to help me on the phone. I held for one hour and then I was disconnected 7 times!! 

Then I go online to try to dispute and it keeps referring me to the wrong dispute!!! I am requesting a phone call from Experian so I can fix this! I am trying to refinance my home! It does not have to be this hard! Please call me at XXXX. If I do not answer, please leave a name and direct line so I can call them back.
Product: Student loan

I received a private student loan from XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by ACS saying I owed them for a student loan that I opened with XXXX. I only opened XXXX loan with XXXX but both XXXX and ACS has my student loan. I talked to XXXX who informed me that my loan was transferred to XXXX whom I have been paying every month. However, ACS has defaulted my student loan in their possession and threatened to garnish my wages. XXXX has no knowledge of ACS or why they have my information.
Product: Mortgage

Regarding the above mentioned loan ( loan # : XXXX ), the mortgagors, XXXX XXXX XXXX and XXXX XXXX XXXX, are currently under an active forbearance which was effective starting XX/XX/XXXX through XX/XX/XXXX. However, as of XX/XX/XXXX, you, Ameris Bank, have reported to the credit bureaus that both mortgagors are delinquent on this loan which is totally and completely incorrect. Per the forbearance agreement dated XX/XX/XXXX ( which has been signed and returned back to your loss mitigation department ), it states that This is an Approved Forbearance Agreement with suspended monthly payments of {$0.00}, from XX/XX/XXXX through XX/XX/XXXX. In addition to this, the mentioned loan is a government backed loan and in accordance with the XXXX XXXX XXXX, the status of our account will be preserved throughout the forbearance period. The Ameris Bank XXXX states exactly Please be assured that if your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period. The referenced loan was in fact current and up to date prior to the time the forbearance was accepted. Based on these facts, the agreement between the mortgagors and Ameris Bank, as well as the XXXX XXXX XXXX, a delinquent report should have never been made against the mortgagors credit. The mortgagors on this loan, XXXX XXXX XXXX and XXXX XXXX XXXX are requesting that any and all delinquencies reported to credit reporting agencies be corrected and removed immediately as this is a breach of contract and has a negative impact on our credit.
Product: Credit card or prepaid card

In XXXX and XXXX of this year, 2021, someone used my ATM debit card from the Bank of America to make XXXX  of dollars of unauthorized purchases. I never lent my card to anyone, and I never told anyone my debit card number, PIN, or the three-digit security code on the back of the card. This person, or group of persons, drained my checking account of over {$3700.00} in unauthorized purchases, mainly from XXXX XXXX, XXXX, XXXX, XXXX XXXX, and many other merchants. I filed a police report with the XXXX XXXX Police Department, and I faxed this police report to the Bank of America. Despite all of my efforts, the Bank of America has declined to reimburse me ; they have stated they don't believe my claims of fraud.
Product: Vehicle loan or lease

My financial lender calls about ten times a day. They have called everyone on my reference telling that I need to pay when the due date on the bill says. They have even called my boss. This happens on a daily basis at least ten times a day. I m scared my boss will fire me.
Product: Debt collection

My husband received a phone call on his work phone multiple times and all tough he repeatedly asked to not call his employee paid for work phone the calls continue. The agent XXXX also threatened him with legal actions if the bill wasnt paid today. 

I called the number back on my personal phone and my call was met with an abusive collection agent. Saying that they had a bill form XX/XX/XXXXand that the last time I spoke with them was in XX/XX/XXXX An didnt that I lied to them about paying the bill. Again threatened with legal action. 

When asked what the bill was for at first they were not sure and then said that it was for a XXXX I had in XX/XX/XXXXbilled by the assistant in the XXXX room and denied by my insurance.