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

Early warning system is now in receipt of my theirs dispute of fraudulent accounts listed on my credit report with them. I was recently denied by XXXX XXXX bank in XX/XX/XXXX for a regular checking account due to EWS credit check of accounts listed on my credit report with them. These accounts had regular fraudulent activity and were closed due to fraud. They should not be listed on my credit report as the information is not 100 % complete or accurate according to the rules and regulations of the FCRA. The data in my report has to maintain 100 % accuracy. EWS fails to honor this agreement to maintain this 100 % completeness and accurate information.
Product: Checking or savings account

On XX/XX/2023 at XXXX I contacted Wells Fargo regarding a transaction with a person that Ive been having issues with. So I explained to the representative that I placed a down payment on a car for {$3000.00} on XX/XX/XXXX and a few days later I contacted the person letting them know no longer needed the vehicle and Id like my money refunded as they had stated in a previous message that the deposit was fully refundable. I told the representative that I had no problems sending in the text message between me and the person that stole my money, she said it isnt needed because the calls are recorded. The dispute was filed XX/XX/2023. I call the next day XX/XX/2023 at XXXX to speak with a representative in their claims department they claim that my provisional credit would be posted XX/XX/2023 by a certain time. XX/XX/2023 at XXXX I call their claims department again and they tell me that the representative shouldnt have told me that I would be receiving a credit and they dont cover these kind of transactions and they read me something from a very obvious script because I called 3 times and they all said the same thing. Also how are they able to investigate within 1 day when Ive had this issue occur with another transaction for {$400.00} and they refunded me my money after 10 days into the investigation, so at this point they simply dont want to credit me my money back or even investigate because of the amount, and cashapp is telling me I need to contact my bank to get my money back but they arent willing to help me get my money back at all they are denying me.
Product: Credit card

XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX California XXXX used a credit card issued to him with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XX/XX/XXXX an individual by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX used a credit card issued to her with my information to make online orders. The last XXXX digits of the XXXX are XXXX. 

XXXX XXXX XXXX, XXXX an individual by the name of XXXX XXXX XXXX also goes by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX has accessed my credit information without my consent. I have attempted to contacted with no results. 

-- On XXXX XXXX, XXXX an organization called Upstart Network , Inc at XXXX XXXX XXXX XXXX, XXXX floor XXXX XXXX, California XXXX accessed and used my credit without my consent. I have contacted them on on XX/XX/XXXX and XX/XX/XXXX with no results. 

I have filed a police report with our local sheriff 's department and they have contacted the DA about a subpoena.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I exchanged XXXX Icelandic krona for {$380.00} XXXX dollars at a rate of XXXX dollars per krona at the XXXX XXXX XXXX Eastern Bank. At home I immediately checked the exchange rate for that day and found these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exchange-rates.com : XXXX XX/XX/XXXX : Met with XXXX XXXX at the bank and showed the above rates and asked for an explanation and possible correction. He filed a Research Request. 

XX/XX/XXXX : Spoke with XXXX XXXX by phone. He said that he was told that there was nothing they could do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX  XXXX BANK XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, 2021 are reporting on my personal credit file with ( XXXX XXXX XXXX XXXX XXXX. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Mortgage

I lost my home in the XXXX XXXX ' fire on the XXXX XXXX in 2020. 
I contacted Umpqua Bank to start a construction loan in XXXX of 2020 ( XXXX XXXX XXXX XXXX ). 
I'm currently in dispute with XXXX, the construction company we used to rebuild the home. They've charged me an additional {$35000.00} price increase for missing a 120 day price lock in which I had no control over. 
I have requested documentation from both the lender and builder to justify why I should absorb this cost when I was not at fault for the delays. I have not received the correspondence I have requested. 
I was issued plans and paid a deposit to start work on XX/XX/XXXX of 2020. I feel mislead in the documentation I was asked to consent when the conditions of the contract where met on my end.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts i do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

There seems to be an error on my consumer report furnished by XXXX  XXXX and XXXX XXXX On my consumer report, there is a late payment reported and a fraudulent account which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX and XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX and XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX and XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Credit card

Was actively solicited a half dozen times by American Express Business Gold Card offer. The solicitation was in the name of our s-corp. we applied and were approved. The offer stated that we would received XXXX, XXXX points if we spent {$5000.00} on the card in 3 months - however when it came time for American Express to award the reward points - they claimed that since we had a card previously we were not eligible. 
In later communications they claimed since the person who applied for the card had previously had a gold card - that we were not eligible. Our concerns are : 1. Why would they continue to actively solicit us for their card if we are ineligible? 
2. Why would they approve us and issue a card but not inform us that we are eligible for the reward? 
3. Why would they wait to inform us until after we achieved the desires card spend targets needed to qualify a significant portion of the awards? 

On XXXX/XXXX/2016 we spoke with a XXXX XXXX from American Express who apologized and explained that they have no way of suppressing customer solicitations to those that are ineligible to receive the awards -XXXX explained its in the disclosures - however its not something we could find. 
Lastly - they solicited the small business we own for the card - and we applied for the card in the name of the small business ( an XXXX ) which is a different entity from the individual. Under this type of solicitation and application - our assumption is that the card is associated with the XXXX and since the entity had never previously had a card - we should receive the XXXX points - however XXXX XXXX explained that although the solicitation was in the XXXX name - and even though they ask for an obtain the TIN - that the card is issued to the individual ( the card has the company name on it, was applied for under the company name and TIN ) - and therefore the eligibility is evaluated based on the individual 's SSN on the application. 
While I am a well educated man I can not understand how this type of behavior is reasonable or ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested an investigation for some items that did not seem correct on my credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX Account XXXX : XXXX Please provide me with the name of the person/company that is saying I have this collection. 
Account XXXX : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX  Account Number : XXXX This collection account is showing that I owe a balance. Please provide me with the method on how you verified what amount is owed. 
XXXX XXXX XXXX XXXX Account Number : XXXX The account above is showing as a repossession with a balance owed. Please provide me your method of how you verified that amount that is still owed. 
XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

This is a foreclosure that happened in 2008. The company continues to harrass me and put this account on my credit report. I am currently going through a security clearance and it keeps popping up. The account is having my job question my integrity.
Product: Debt collection

( XXXX XXXX ) applied for an educational loan with the federal government and was denied in part due to a collection account on his XXXX credit report which is being reported to all three major credit reporting bureaus ( XXXX, XXXX, and XXXX ). On or about XX/XX/2023 and XX/XX/2023 XXXX contacted both the collection agency displaying the information on his credit profile with the major credit reporting agencies in an attempt to discuss the bill with them. In XXXX first attempt at discussing the bill with the debt collection agency displaying the information on his credit profile he was asked to put in the reference number that is associated with the account. XXXX complied, and was then drawn into a circular series of prompts that were only willing to accept a payment amount in excess of what is displayed on his credit profile with the major credit reporting agencies and was unable to discuss the bill with a representative. XXXX then became frustrated and called the merchant, XXXXXXXX XXXX to discuss the bill with them. XXXX notified XXXX XXXX that the bill accrued as a result of security equipment that he wanted to return to the merchant. The merchant XXXX XXXX said that they were willing to take the equipment back and absolve him of the debt that is associated with the account, however they were unable to access the account with the information he made available to them. XXXX has since offered to return the equipment to a retail location, however given the nature of the issue XXXX is concerned they are not going to accept the equipment at the retail location. As a result of XXXX XXXX not being able to access XXXX account and the debt collection agency being unable to discuss the billing issue with XXXX XXXX XXXX is filing a dispute with XXXX and this agency due to XXXX XXXX reporting a debt that is not valid and being asserted only because they are not able to access his account themselves so that XXXX can return the equipment to them. They have created a situation where they are demanding an amount of money for items that qualify to be returned as they stated, but are unable to process the return given the internal technical issues they themselves are struggling with.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX  {$16000.00}.
Product: Mortgage

I want to complaint about my mortgage, Fay Servicing, aka XXXX XXXX  XXXX, XXXX  as Trustee for XXXX Master XXXX XXXX, c/o XXXX XXXX XXXX attorney for plaintiff, XXXX XXXX XXXX XXXX XXXX. 

Last year in XX/XX/2021 there was a bad winter ice storm with heavy freezing rain in our region that caused a huge tree falling on my house and destroyed it. My family didn't have a place to stay so we went to stay at a shelter for a while. And now, my house had not been rebuild yet because of them. At that same time when my house was destroyed by the huge tree, my mortgage was sold to a new mortgage company called Fay Servicing , LLC. I called to let the new mortgage know about my house was being destroyed by a huge tree and that my family had no place to stay, so they should work things out with me by modify the loan to a lower interest rate and lower the forbearance or other condition that I told them. But they didn't work with me, instead, they put my property in auction. I complainted to the State Attorney office that they shouldn't just forclosed without noticing me and/or they should work with me. I did wrote to ask them to modify the loan or lower the interest rate because it was high interest rate of 5.7 % compared to the current market at that time which was 2 %. They wrote a letter demanding for me to pay them over {$200000.00} in XXXX of XXXX, that's all. No response of any modification of the loan or anything at all. Up until now that they suddenly put us in auction again without any forclosed. There should be step by steps and give a 6 months or more as time frame for a house being forcloed until it can be in auction. But these company did not follow any procedure. They think they have the money and they can just auction whenever they want. That's very bad mortgage service. Also, They don't even care to ask if my daughter who's still in the militaty would interest in buying the property in her name at all. Yeah, they are very bad mortgage service. 

As of now, my house had not been fixed or rebuilt at all because of them. The house was totally damaged and useless. They suddenly put us in auction without any forclosed or not care if there's a house on the property or not. They're asking for a sale of high price totaling {$370000.00}, which we didn't owe them this amount at all. How did they come up with this high price when there was a totally broken and useless house on the land? Even with just the bare land by it self, it won't be this high price at all. They are just very greedy and hungry for money and not caring for me or if there's any house on the land. They are very bad company that should be punish for their wrong doing. They should be charge with big fine.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX {$700.00} XXXXXXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a customer discover for about a year. I have had issues within that year with hacking and other problems. I have recently been told that my identity has been compormised. I had an issue where someone was trying to log in as me to dispute charges on the bill. I did make some of the charges, and I had this individual try to damage and ruin my credit. I have reached out to discover to inform them that someone had hacked my email address and my computer and they shut my card down due to filing to many disputes. I was not the one filing said disputes, I recently got an letter from discover that was listed with my address to a XXXX XXXX, who lived at XXXX XXXX XXXX XXXX ohio XXXX. I am not XXXX XXXX I am XXXX XXXX. I believe that this individual might have something to due with the indentiy theft that has been occuring, also on my hot mail someone is trying to constantly log in as me and present false information. I am going to send you all of the documentation that has anything to due with this case. I current address is XXXX XXXX XXXX XXXX ohio XXXX.
Product: Checking or savings account

On XX/XX/XXXX I called Capital One about getting the rest of the money in my closed account sent to me. I never recieved the check so I called back on the XXXX and they said they would resubmit it and again on XXXX. I had still not received anything so I called again on XX/XX/XXXX. They told me the would put in another request and I would get information soon. I called 3 more times that week to speak to supervisors who all told me to keep calling back and theyll have information and they dont. XX/XX/XXXX I called again and was told a team would reach out to me about it and it is now XX/XX/XXXX and I havent not heard a single thing and when I called again today I was just told to call again sometime this week. This behaviour is literally disgusting. I am struggling to live and pay my bills and I have waited over 2 months now to receive MY money. I am at my wits end trying to figure out what's going on but they're telling me it could be weeks before I find out. They are also denying that requests were made in XXXX when I talked to THREE different managers about it. They are mismanaged and unorganized and I was flat out lied to by multiple managers about when I would be receiving information regarding the check and when I would actually receive it.
Product: Credit reporting or other personal consumer reports

I see that XXXX, Equifax, and XXXX are reporting XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Product: Checking or savings account

XX/XX/XXXX I filed a claim and XX/XX/XXXX I filed another claim for new transactions involving a merchant from the dispute filed XX/XX/XXXX. I requested them to block the merchant and I suppose they did not. I urgently need my money back. 

Also after filing the claims my online access gets revoked and get no help over phone and I'm demanded to step into the branch when I live in XXXX. So NO money NO access how do they demand me to step in.