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

On Thursday XX/XX/XXXX my phone, XXXX, and debit card were stolen from me. Somehow the person who stole my belongings got access to my debit card pin and went to the chase branch and withdrew money from chase directly and from an atm. I called XX/XX/XXXX and spoke with the fraud dept to which they assured me everything would be taken care of etc. I have banked with chase for almost 20 years. After they told me to open an entire new checking account I did so, and then then the next day I was locked out of my account and when I called I was told I was no longer considered a client of chase and that after they decided what my balances were they would send them to me in a cashiers check in an untold amount of time. I have since then spoken to the escalation dept and they had no timeline for me to when I would receive my money that they took from me. I have almost no access to any money and all of my bills are Bouncing. I can't believe after 20 years of banking with them they would treat a client like this after they were victim of robbery and fraud.
Product: Mortgage

We have unsuccessfully contacted Freedom Mortgage insurance department over the phone and vial e-mails. Our VA mortgage loan was initially with XXXX  XXXX and we closed on a VA loan on XX/XX/year>XXXX XXXX XXXXXXXX only required us to have homeowner and flood insurance policies, which we obtained. XXXX XXXXXXXX sold our mortgage loan to Freedom Mortgage a few months after our closing date. 
On XX/XX/year>, Freedom Mortgage charged {$5900.00}, to our escrow funds for a lender forced insurance without our awareness and consent. Once I became aware on or about XX/XX/year> of the forced charge into our escrow funds, immediately obtained wind insurance to replace the forced and expensive insurance policy of Freedom Mortgage and provided copy to Freedom Mortgage via e-mail on XX/XX/year>, and requested a refund of the forced insurance. 
On XX/XX/year>, Freedom Mortgage charged to our escrow funds the wind insurance policy we provided proof of in the amount of {$2600.00}. However, this amount had been already paid when the policy was taken. A refund in the amount of {$2600.00} is due to us either by Freedom Mortgage. 
On XX/XX/year>, Freedom Mortgage charged to our escrow funds another wind insurance policy in the amount of {$3600.00}, which we had obtained, paid for, and quickly cancelled. On XX/XX/year>, a copy of the cancellation of this paid insurance was e-mailed to Freedom Mortgage requesting a refund, which it has not happened. 
On XX/XX/year>, I contacted Freedom Mortgage again to request a refund for {$5900.00}, and I was told that the refund is to be pro-rated from XX/XX/year> to XX/XX/year>. 
Why are we being penalized by Freedom Mortgage and charged for a wind insurance policy we were NOT aware of from XX/XX/year> to XX/XX/year>? 
All calls and e-mails to Freedom Mortgage are being ignored and no refund has been provided to us nor to our escrow funds. 
Please investigate this type of fraud by a mortgage institution against veterans that served this country. 
We request that Freedom Mortgage issue a refund of the entire forced insurance for {$5900.00} because we were NOT aware and it was charged without our consent ; and refunds of the other XXXX insurance policies paid out of escrow in the amount of {$2600.00} and {$3600.00}. 
I can provide copies of all e-mail and attachments sent to Freedom Mortgage upon request.
Product: Credit reporting or other personal consumer reports

Huntington National Bank for which I am a cosigner for a truck has inaccurately reported XXXX missed payments. I am writing because the payment was made on XX/XX/XXXX and they updated today with a XXXX late notice. Causing my credit score to lose XXXX. I opened a dispute with the credit bureaus but in XXXX this happened twice. XXXX inaccurately reported XXXX late payments when my bank verified these were paid on time. The credit bureaus did nothing to fix XXXX mistakes so I am taking action now to prevent them from neglecting my account. It took years to bring up my score for inaccurate mistakes from Huntington. This company is unlawfully reporting late payments when my bank account verified they come out on time. Huntington does nothing to fix these mistakes.Please help!
Product: Debt collection

Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX   XXXX amd XXXX XXXX la. Contact Experian XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see
Product: Money transfer, virtual currency, or money service

My email attached to PayPal is compromised. My account with PayPal has funds and is limited so I can not make any movement in that account. However, as I stated I have funds in that account and wanted to trasnfer them to another account with a email I can access. 

Because its limited they wont allow me chnage email or have alternative options to how I will receive updates regarding my funds in account. 

Submitted personal documents and had been verified. They will not allow it. 

They keep saying its because I could possibly be at high risk and the time Frame is exceedingly long when there will Be no disputes or chargebacks with my financial institution. Why? Because I used PayPal for the crypto. Buy/sell I made all activity into PayPal and out from PayPal on this account. 

I requested a early release due to my email being compromised and information stuck that I can not access anymore and had got turned down again! Its been over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady  at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint..
Product: Money transfer, virtual currency, or money service

I made a wire transfer to my personal account at XXXX  XXXX XXXX from XXXX. on XX/XX/XXXX Unfortunately for me I was unaware XXXX uses JP Morgan bank for wire transfers. JP Morgan is known to discriminate against people of certain ethnicities and religious belief ( based off names ). I have had this happen XXXX more than a few times that my wire transfers are held up for extended period of time while they continue to ask questions ( name, SSN, address and citizenship status ) then they start asking for paper work so this time I opted to cancel the wire as I didnt want go through this again and asked XXXX to cancel the wire and return the money. JP Morgan continues to hold the funds and does not release it back to XXXX despite it being well over what the allowed limit is ( 2 days ). in XX/XX/XXXX I decided to sell my car and the buyer was an American but same ethnic descent as me and he decided to use JP Morgan to send me the wire. Same process they kept asking the same information over and over again ( name, SSN, Citizenship status ) so after 10 days of waiting we asked them to cancel the wire and send the money back. it took them 11 more days just to return the money. I think JP Morgan needs to stop this discrimination solely based on your name and your religious belief. Holding someones money for extended periods of time is extremely unfair, unjust, discrimination and also unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing to file a complaint against JPMCB CARD for inaccurate reporting on my credit report. On my credit report from all three credit bureaus, there is an account with JPMCB CARD listed as a charge-off. The account number is XXXX, and the balance is listed as {$2700.00}. 
The charge-off was reported in XX/XX/2022 by all three credit bureaus, and it is negatively impacting my credit score. However, this charge-off is inaccurate because I did not have any unpaid balance on the account. Furthermore, the account was closed due to inactivity, not because of any unpaid balance. The account was also never past due. 
I have attempted to resolve this matter directly with JPMCB CARD, but they have been unresponsive to my requests for them to correct the inaccurate reporting. I believe that JPMCB CARD has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) by reporting inaccurate information to the credit bureaus. I also believe that they have violated the Metro 2 credit reporting guidelines by reporting an inaccurate charge-off.

I request that JPMCB CARD immediately remove the inaccurate charge-off from my credit report and take corrective action to prevent this type of inaccurate reporting from happening in the future. I also request that JPMCB CARD provide me with a written explanation of how this error occurred and what steps they have taken to prevent it from happening again. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to report that I have been the victim of identity theft, as evidenced by unauthorized inquiries on my credit report. According to 15 U.S.C 1681, credit report agencies are acting unlawfully and defaming my character by allowing these inquiries to appear on my credit report without my permission. These unauthorized inquiries have resulted in significant damage to my credit score and have made it difficult for me to apply for credit. As a result, I believe that the credit bureaus have violated my rights under the Fair Credit Reporting act, which requires that credit reporting agencies maintain accurate and up-to-date information about consumers. I urge the CFPB to take swift action to address this issue and ensure that credit reporting agencies are held accountable for their actions. I would appreciate any assistance you can provide to rectify this situation and restore my credit report to its rightful state. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED Reported balance- {$2800.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is unlawfully reporting information on my report and will not remove as requested. They show late payments that per 15 USC 1681a ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; are to be excluded from the report. I have asked that the late payments be removed as they are unlawful.
Product: Mortgage

Hello, I have ShellPoint Mortgage. I was transferred to them in XXXX and was on AutroPay. After being transferred I established a new autopay with them. In XX/XX/XXXX, Shellpoint did not deduct the autopay. I was late on my mortgage. Per RESPA Section 6, a mortgage servicer needs to make live contact with a customer within 10 days of being late. Shellpoint never called, never sent a letter, never emailed me ever, after being late. Only after almost 60 days they emailed me saying I would be 60 days late if I didn't make my next payment. This is a RESPA violation. 

I have tried to work with them in XXXX and they sent me 2 letters stating they do not do customers 'any favors '. I want this late removed from my credit due to ShellPoint not following Federal mortgage servicing rules, and after not establishing a new autopay account.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting information that doesnt belong to me addresses XXXX XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX de XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously filed a complaint and this debt collector provider my medical information/documentation as " proof ''. This is a complete violation of my HIPAA rights. I did not authorize this company to gain possession of my medical information. Also, if this is " debt '' that is mine, it is with the original creditor and not Medicredit. If Medicredit purchased my supposed " debt '' from the original creditor, it is now considered paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.
Product: Credit reporting or other personal consumer reports

I received an email from this company yesterday stating that the company stated it is still working on the issue but the company XXXX sent an email yesterday stating the dispute is completed. Therefore, the issue was not resolved. This is report # XXXX. I requested another dispute today to have the item removed from my credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # XXXX have 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. After pulling my credit report I also noticed that an item is not right. 
The XXXX XXXX account needs to be removed because it's inaccurate and unverifiable : Account : XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/2019 Balance : XXXX I have no knowledge of this account, please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To begin with, I would like these accounts removed from all 3 credit bureaus immediately. They were opened under my name when I was only XXXX. One was opened on XX/XX/XXXX and the other was opened XX/XX/XXXX. I was born on XX/XX/XXXX. My legal age was XXXX years old, but you have to be XXXX years old to open a credit card account under your name. I even filed a police report showing that I did not open these accounts. Secondly, per Florida statutes XXXX, the limitations on credit card debt is only 5 years. This shouldve been removed from my credit reports a couple of years ago. If these accounts are not removed from my credit reports, I will file a lawsuit with my lawyer against Best Buy  and XXXX for allowing someone to open credit card accounts under my name at an illegal age to do so along with XXXX  for reporting accounts that were opened illegally while I was underage.
Product: Debt collection

I received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These arent not mine. They are fraudulent. Please remove as soon as possible. 
-- -- -TRANSUNION -- -- XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 XXXX, XXXX Inquiry : XXXX. XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus XXXX, Experian and XXXX. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment regarding the lack of resolution for an unauthorized hard inquiry on my credit report. Despite my initial dispute on XXXX XXXX, 2024, concerning the inquiry from XXXX on XX/XX/XXXX, this unauthorized entry still remains on my file.
Product: Credit card or prepaid card

Since XXXX of 2022 this company has not reporting anything to the credit bureaus. It currently shows a balance significantly higher than what it actually is.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following events occurred over the last 17 years which I believe led to the my identity theft. In XXXX I lost my social security card, in the year XXXX I was affected by the XXXX data breach, XXXX I was affect by the XXXX XXXX security breach on my account for my children, XXXX I lost my wallet which included my state issued drivers license and other information and I lost my social in the year XXXX as well. I believe the above events led to thieves using my identity to open the accounts reported.