23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

XX/XX/year> called number on credit report to pay off or make arrangements to fix derogatory mark. Paid total of {$400.00} upfront for credit to be fixed in XXXX days guaranteed. Called every month with no update. XXXX day XXXX i asked for documentation explaining what they fixed and it turns out they could only view my report through XXXX party which i was expected to pay. I was completely unaware of that. That means after XXXX day trial they had no idea what was going on and didnt even care. XXXX months later still no update. I want my money back. I was completely scammed and by the company collections told me to call to resolve the issue. I was charged {$370.00} for initial work which was a single letter and {$100.00} a month after that for XXXX months. I do not have money thats why i was so desperate to fix my report in order to get loan for much needed home repairs which i can not afford. I need to finance to get my roof fixed with small children in my house and this delayed me XXXX  months in winter. My wife and i do not know what to do andbit is causing major stress. Kids health being affected and structural degradation is steady increasing.
Product: Debt collection

I went to XXXX XXXX store close to my house to inquire about XXXX XXXX pro and I was given the information then I went home so when I went back to actually see if I could switch my phone to the new one I was told I already have a line open and was not qualified for the promotion they had. This was a month after so they said I owed {$270.00} at the time of which they look in their system and found out that for that month the number they assigned me was never used they didnt have any paperwork that assigned in agreement with this service so the manager at the time said he was going to call his boss and see if that can be fixed. I called him 3 days later and he said he havent had anything yet from his boss. After that I continued to call him and would be told he was not their. I called customer service and they said they would take care of the account and they never did. Before I know it this account showed up on my credit. I called the collection company and they said I have to talk to XXXX fraud company so I called and was told it will be taken care of within 7 days. That didnt happen I disputed it tie time with XXXX  XXXX and the said the collection company said the account was valid. So I dont know how this can be solved I have tried everything I know and that I was told but no one is there to help. Please help me resolve this issue because I dont owe this company like they are saying. They need to show paperwork of the agreement and my signature. Thank you very much for your help.
Product: Mortgage

I have been notified that PHH Mortgage Services reported to the Credit bureaus that I am in default. This has a negative impact on my credit report. I have currently made XXXX of XXXX payments on my trial period plan. This would allow me to modify the loan. Please note that this is my XXXX trial period for this loan due to an error on behalf of PHH Mortgage services. ( See previous complaints filed for this loan ) There has been a total of XXXX payments made... XXXX for the XXXX trial period and XXXX for the XXXX trial period. 

My understanding is that under the CARES Act... lenders are required to report accounts as current.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit Experian, XXXX and XXXX credit bureau. For over XXXX year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my FICO XXXX. This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my Experian FICO XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX  responded two weeks ago, but I have yet to hear back from XXXX  or Trans Union.
Product: Credit reporting

Note a hard pull on my credit report that I did not authorize. Came from XXXX XXXX XXXX XXXX ) on XXXX/XXXX/2017.
Product: Checking or savings account

On XX/XX/2022 I deposited a check total {$800.00} to a Bank of America atm. The check was placed on hold and no funds were made available to me. On receipt stated check would be available in 7 business days. Bank of America didnt cash check in fact mailed it back to me because I called them informing them of an incident which required for them to mail it back to me. Matter was resolved on XXXX XXXX, 2022. Bank of America has randomly posted this transaction about 4 times onto my account deducting funds totaling amount they deducted from my account after matter being resolved {$3200.00}. On XX/XX/2022 I wrote a check no XXXX to XXXX XXXX for {$80.00} for auto insurance. I had enough funds to cover this check but instead check was not paid to merchant and my Bank of America checking ma account was at a negative balance of - {$6400.00}. On my Bank of America app transactions are made available for viewing on website they arent posted. Im missing funds from my account and my account is also at a negative balance because of banking errors.
Product: Credit card or prepaid card

On XX/XX/2019, I used my American Express membership benefits to book travel through American Express ' portal. XXXX advertised flights to XXXX from XXXX for {$880.00} for 2 people including travel insurance. Before booking I checked the " Baggage Fees '' tab to see that the carry on and first checked bag showed " No fee ''. This made the advertised price a good deal, as it seemingly included baggage which if I had booked directly with the airline, would have cost me more money. I proceeded to book the flights with the insurance. 

On XX/XX/2019 I decided to check everything on XXXX XXXX 's portal to make sure all of my information is correct, and also to add in my passport information. I came to find that my booking had no luggage associated with it. This is when I initiated a call with American Express to find out what happened. The call started at XXXX and lasted 39 minutes, no extra information was able to be gained during this time and I was told to call back later. At XXXX I called again and spent 14 minutes on the phone explaining the situation before getting disconnected. I was called back at XXXX and spent 4 minutes on the phone being told that there is nothing that can be done and to essential deal with it, I asked to speak with a supervisor and was placed on hold before being disconnected again. This time with no call back, I believe the representative terminated the phone call. I reinitiated a call at XXXX which lasted 40 minutes. During this time I explained the situation once again and the representative connected me to a supervisor. This supervisor 's name was XXXX she explained that she has heard of this issue before in almost the same circumstances. I throughly enjoyed being assisted by XXXX and felt she actually cared about my situation. I told her I had a screenshot showing the no fee advertisement and she requested I send that to her which I did at XXXX. XXXX said she would file a case and attach the screenshot but warned me it could be some time before I heard back as I do not travel for 10 months, not a problem. 

On XX/XX/2019 at XXXX I received an email from another supervisor ( XXXX ) asking to resubmit the screenshot as they can not view photos when posted in the body of an email. I resent the screenshot at XXXX on the same day. XXXX emailed me back at XXXX stating that I can not be compensated at this time and that I must fly, pay for the baggage out of pocket and submit the invoice for review by upper management after my vacation, with no guarantee that I would be compensated. I replied at XXXX stating that American Express is false advertising and that I will be filing complaints with CFPB and the XXXX. 

That is the end of my correspondence with American Express over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital says active in XXXX and opened XXXX and reported in XXXX as current.I need this off and removed from my report.Its been 7 years.I am not associated with anything with this company.Im not sure if its been sold without my consent. XXXX XXXX are not a company that I have been with.Open date says XXXX from an original dateXXXX & XXXX has been sold without my consent.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNT : XXXX XXXX XXXX Account number - XXXX XXXX  XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX - Account number - XXXX XXXXXXXX XXXX  XXXX XXXX - Account number - XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me
Product: Mortgage

Dear Madam/Sir, I am writing this letter to file a complaint about Valley National Bank XXXX Valley National Bank is my mortgage servicer and I have had numerous problems with this servicer. In this particular instance the bank claims that I do not have hazard insurance on my property and although I proved the bank that I have a valid policy from XXXX XXXX XXXX the bank has charged my account numerous times for a third party hazard insurance policy without my approval nor any need for it. 

This is not the first time I had problems with this servicer. I have reason to believe that they have a deficient IT infrastructure and insufficiently trained personnel which leads to substandard processing of the mortgages they service. 

I am attaching all supporting documentation along with the details of my mortgage : Mortgage Property Address : XXXX XXXX XXXX XXXX, NJ XXXX Mortgage Number : XXXX Regards, XXXX XXXX Property Owner
Product: Mortgage

XX/XX/XXXX I called and spoke with agent XXXX finally and we discussed money owed which she stated was around XX/XX/XXXX. I asked what happened to the {$500.00} each month ive sent in for the past three months. She did not know and told me that I do have {$500.00} sitting in there. I asked were is the rest and why has it not been applied to the owed amount. Kept me going in circles about that. Finally she was supposed to review with copies of checks i sent in. This was to here web site " XXXX I did and was to her attention as she asked. The web sent auto response saying it will be addressed within 24 hrs. Its been way longer than that now. No response on phone or email.
Product: Payday loan, title loan, personal loan, or advance loan

Affirm has reported the following two accounts as 30 days late : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX. Both late reports filed by Affirm are inaccurate. I made both payments listed above on XX/XX/year>. Affirm has reported both accounts as 30 days late stating these payments were made on XX/XX/year>. 

In accordance with the Fair Credit Reporting Act, this Creditor has violated my rights. Pursuant to 15 U.S.C. 1681 Section 602, states I have the right to privacy. Pursuant to 15 U.S.C. 1681 Section 604 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I am requesting XXXX do their due diligence and remove both late repayments from my credit report in accordance with above laws.
Product: Checking or savings account

I have a CD  with Synchrony which ended on XX/XX/2020. This bank is primarily online. I opened the CD online and transferred money online. I opened the CD account last year. There is no way to close the CD  account online. There is a message on my account to call their customer service to close it. On XX/XX/XXXX I called them to close my CD  account and to transfer the money to my savings account. I asked them if I will get an email notification to show I have requested to close the CD, they told me there won't be any email notification. The transfer will take 3 to 5 days to complete. I logged into my account on XX/XX/XXXX and found that my CD  account is still not closed and there is no indication of my request to close my CD. The bank is not allowing me to close my CD  account and providing me no documentation to show that I have requested to close the CD  in the provided grace period. I feel they are doing this to lock me in the CD  for another 12 months. Please help as I need access to this money. 

Thanks, XXXX
Product: Debt collection

Dear Sir or Madam please see the attached letter. I was a victim of identity theft and there is a company that purchased a debt from a furnisher from 4 months ago that was deleted due to me being a victim of identity theft. XXXX took the time to review my account and review my documents and noted that the deleted and blocked this account because of of my documents on file that shows the original furnisher XXXX XXXX was in fact part of my identity theft. I am now contacting you with hopes that you will do the same rightfully since this was deleted. Attached is my Federal Trade Commission Affidavit and XXXX Police Report that should be attached to my original case and file. I have also reattached for your review. 

I hope that you can see what they are trying to do and follow what your counterpart XXXX has done to protect me the consumer. I appreciate the job you guys did to get my case resolved and the hard work to clear me and help me resolve my identity theft. Thank you Equifax
Product: Checking or savings account

On XXXX the XXXX 2024 some moneys were transferred to my account after paying back my XXXX dollar spot me my ending available balance was {$420.00}. I then made several purchases, and one unknown charge of XXXX, adding up to the sum of {$400.00}. Which put my account in the negative of XXXX when I made it home I sat down and added everything up call to address the era the technician named off each pending balance and added up and it was XXXX so they owe me money and it shouldn't have been in negative we got disconnected when I called back everything has changed I'll call back XXXX times this day and every time I called I screenshot it my account balance and they changed it around they changed my starting off balance to try to make it fit to what they said it was. The last time I called I asked for a complaint form and also a copy and they told me they didn't have no form to fit my complaint. So this is why I'm making an complaint with you all because Chime is wrong.
Product: Student loan

In 2005 I attended XXXX XXXX hoping I would graduate and find myself a great job as XXXX claimed in person by XXXX recruiters, TV adds, brochures and more. XXXX recruiters failed to establish the true cost of attending school and I felt lied to about the actual cost of the colleges program. I had no clue each quarter would cost roughly {$5000.00} for each class. At the time when I was more than halfway to complete my degree, XXXX stated I maxed out of the Federal Aid assistance and would need to either come up with the remainder of the cost out-of-pocket or apply for private student loans. I then decided I would transfer my credits to a more affordable college to complete my degree. Well, come to find out, XXXX credits were non-transferable. XXXX XXXX gave me no choice and steered me to apply for Private Student Loans up to {$18000.00} through XXXX which not only were expensive but also entailed high interest rates to complete my classes and graduate. Since I have graduated I have had a difficult time repaying my loans and may face default. XXXX ended my future with hardship and unforeseen amount of debt and no career in the field I studied for. The financial harm I am facing today is a tremendous burden as I have difficulty supporting my family financially. I have attached a copy of the lawsuit filed against XXXX XXXX for misleading their students, who for some, needed to apply for Private Loans. XXXX XXXX has been found guilty of defrauding the Department of Education and their students.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of the information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

I opened a debit checking account with Chime, a bank or financial company and deposited {$2000.00}. This was in XXXX deposits, XXXX {$500.00}, XXXX {$500.00}, and XX/XX/XXXX of {$1000.00}. Shortly after that I found the account blocked by chime. It concerned a deposit made into my home bank, XXXX XXXX XXXX on XX/XX/XXXX. This deposit was a settlement from XXXX XXXX of about {$4900.00}. 
This was determined after many phone calls and emails. I provided Chime with proof of ID, and verification of the deposit from XXXX, with a copy of the original invoice. This was done several times. At the end of XXXX chime closed my account. They no longer replied in person on the phone. 
Finally XX/XX/XXXX, after nearly three months of calls and emails I was informed I would receive a refund of my money within 14 daysnothing for nearly a month, except an email from chime inquiring about my asking about a check about ten days ago. I have written emails to whoever signed these emails for an explanation. Nothing. in reply from chime since then to the present. 
We have never experienced anything like this. It seems to be a fraud. This money is very important to our family. Thank you for your solution to this situation.