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

I wanted to get a new credit card however because of the Equifax data breach in XXXX, I had frozen each of my accounts with Equifax, XXXX XXXX and XXXX. Therefore I needed to unfreeze these accounts in order for the bank to check my credit. First I called Equifax on the phone but they were unable to confirm my identity. Then I tried to use the internet and was told to complete the online form and mail it with proof of my social security number and my address. I completed the form and send the documents proving my social security number and address and sent it certified mail on XX/XX/XXXX. My tracking ticket from the USPS indicates that the letter was received on XX/XX/XXXX. On XX/XX/XXXX I received an envelope from Equifax addressed to a name I did not recognize at my address I have lived at my present address for 42 year and know for certain that the name of the person on the envelope has not lived here. Therefore I composed a letter to Equifax telling them that an error had been made and that I would like to receive my credit report. My letter was mailed along with the sealed letter that Equifax sent me with the wrong name by certified mail on XX/XX/XXXX as of today XX/XX/XXXX I still have not received my credit report from Equifax. In addition I also received a post card telling me that I had already received a credit report within the last twelve months which was preposterous since I know for certain that I have not requested a credit report since I froze my account in XXXX
Product: Mortgage

XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.
Product: Mortgage

My monthly payments went up way above what I can afford and Im not sure why. My monthly payments use to be {$1500.00} and now the total monthly cost is {$2100.00}. I contacted the company ( select portfolio services ) and they werent concerned about my hardship to pay. Ive never missed a payment and never had a problem when my mortgage company use to be XXXX. Four years ago my mortgage company XXXX automatically changed to Select Portfoloio Services and now everything is confusing. 

Please help to see if this was an error on the companies part and if I can restructure my current contract to something that would be more Fair and reasonable. I dont want to lose my home. 

Thank you XXXX XXXX
Product: Mortgage

There are two issues of fraud. 

The first is that my husband purchased a home located at XXXX XXXX XXXX XXXX, XXXX  XXXX. The home was purchased on or around XXXX XX/XX/2019 using my credit without my knowledge or consent in violation of applicable laws. As best I can tell, the current owner of the loan is XXXX XXXX located in XXXX XXXX, NC. ( possible loan number is XXXX, although this number could also be the state collection number against the property ) The second is the acquisition of a third-party loan currently owned by Wells Fargo XXXX The loan collateral used was my private residence. This residence is held and owned under only my name, XXXX XXXX. I was not notified of the loan, nor did I consent to the issuance of this loan. The original loan amount and the loan holder is unknown to me. When I followed up with Wells Fargo the bank was unable to disclose that information to me due to privacy laws, even though I am required to satisfy the third-party loan by court order. 

Both issues were discovered due to divorce proceedings.
Product: Money transfer, virtual currency, or money service

Attempted a XXXX withdrawal at XXXX XXXX  XX/XX/XXXX and money was not received when promised at XXXX XXXX XX/XX/XXXX and I still have yet to receive it on XX/XX/XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was notified by email that my Chase checking account had a XXXX XXXX account linked to my debit card. I dont use XXXX XXXX so I immediately contacted Chase and reported the fraudulent activity. Chase immediately issued a new debit card and started a claim for the charges that were not authorized which totaled approximately {$750.00}. Before I received the physical replacement card, more fraudulent charges were made against my account totaling another approximately {$1500.00}. Chase was notified again of charges and they started more claims. On approximately XX/XX/XXXX, I tried using my new debit card and it was denied. I visited a local branch where we found out that Chase had closed my account with no notice. As of the date of the closure I had over {$26000.00} in the bank account. I asked Chase to keep {$2500.00} in the account and release the remaining funds which are rightfully mine until the claims could be settled. It is now over XXXX weeks later and they have not settled or released any funds to me. A bank should not be allowed to hold funds that are legally and rightfully mine. This is theft by keeping it from me. I need to know next steps to take action against Chase for stealing my money.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX XXXX payment XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/year>2024, AND IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX!
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( closed account {$43000.00} ), have violated my rights. 

XXXX5 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX conducted multiple hard inquiries on my credit without my permission. To limit the number of inquiries, I provided my Experian credit score more than once. ( 1 ) At initial sarly lease return and order of a new vehicle ( 2 ) At vehicle acquisition. 

Upon credit review, I see that my credit was pulled by the XXXXXXXX XXXX XXXX  and the XXXX XXXX XXXX. I already had my existing loan with XXXX XXXX XXXX. The pull by XXXX XXXX XXXX was unnecessary. 

I would like the hard duplicate pull by one of the companies on the same date/sale removed.
Product: Debt collection

I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App XXXX 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 funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Company has consistently refused to provide monthly statements, either mailed or electronic. Users are unable to view anything other than a balance when accessing their online 'portal '. Calls to customer service reps have resulted in being told that they do not provide statements to their customers. 

I wasn't event provided with a complete account number when I was approved for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit report from Experian noticed XXXX continues to furnish late payments in formats that are incorrect. The account is the same with different amounts. The University of XXXX was involved with litigations for charging amounts against federal guidelines of student loans. With the number of inaccuracies, credit and creditworthiness are compromised.
Product: Credit card or prepaid card

I attempted I believe a few months ago, last year and even today ( today twice ) to link my PNC card to an app but their having connectivity issues or whatever but its every single time. All I would get is emails from Pnc bank saying that they received a request to link my bank account but it never went through. I spoke to PNC about it the first time and still no help
Product: Checking or savings account

On XX/XX/19, I discovered fraudulent activity on my account. I called TD Bank customer service and reported it on the same day. However, TD Bank refused to reimburse me for the stolen funds. They have been rude and unyielding in their stance.
Product: Checking or savings account

I have already entered XXXX complaint about the prior lie and misinformation provided to me and the missing money in my account. 

However, as explained in my last complaint, XXXX, a supervisor, had promised me that my {$15000.00} would be credited by EOD XX/XX/XXXX/2025 and " aPoLoGiZeD '' for the representative who gave me misinformation about it being in my account EOD XX/XX/XXXX25. She ensured me, in a condescending manner, that I would have it now because they had everything they should have this time around. I told her I was disputing the charge at this point and needed a provisional credit issued while they investigate their own back end issues. She said American Express doesn't do that. 

I spoke with XXXX this morning, another supervisor, who was unable to help me in the time I allotted him ( as I've spent too much time on this matter and shouldn't have to any further ), and since he was " still checking '' after the ten minutes, I disconnected the chat session. 

American Express has stolen my money. I live paycheck to paycheck and American Express has stolen {$15000.00} from me that I needed to last week to pay something, and that is now accruing interest and fees because American Express refuses to credit my account with my own money.
Product: Mortgage

I was shopping for a mortgage and was referred to XXXX XXXX at Contour Mortgage by a co-worker. I called for information and at first everything was okay. He began collecting my information. After about 30 minutes on the phone he asked that I provide sensitive information to him. I asked him if I could call him back, I then contacted my attorney to ask his advice. He told me to ask for a loan estimate from the loan officer. When I called XXXX back he told me that he needed my information. I asked for the loan estimate and he suddenly changed his attitude and asked why? I told him that my attorney asked for it and he answered that attorneys were idiots and did n't know what they were talking about. I tried to get him to provide me with a loan estimate, but he refused. XXXX told me that he had been in the business for over 10 years and that he was the expert and that I should have faith in him. I started to feel uneasy and asked if he could review the costs verbally with me which he did. I never received the loan estimate that I asked for. When I finished talking with him he asked again for my social security number and date of birth. Something did n't seem right so I did n't give it to him and told him that i 'd call back. When I hung up I googled the company which seemed legitimate and then googled XXXX XXXX and found out that he was arrested after being fired by another bank!!!!!!!!!! 
I am really disappointed that this is still going on. I thought that the government protects us against criminals, however they are apparently still out there. I do n't know how someone can be fired from one bank, get arrested and then be handling sensitive information at the next. It is baffling. 

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

Date of hard inquiry should be removed pursuant to attached letter. Letter indicated fraud, please remove inquiry from XX/XX/21 XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I sent letters to LexisNexis asking this company to remove items from my Credit Report that are in Violation of the FCRA, FDCPA, and METRO2 compliance. As of this date ( XX/XX/XXXX ) and clear proof, LexisNexis has disreguarded my attempts resolve to this matter with frivolous responses.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, XXXX  and Experian. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

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

My complaint is against XXXX XXXX ( Original Creditor Synchrony bank ) collection agency, Account # XXXX Balance XXXX, date open XX/XX/2019. I sent this company back in in XX/XX/2019 a letter stating that Im a real victim of fraud and the account that they have on my reports does not belong to me. I sent them a copy of a Police report from XXXX XXXX POLICE DEPARTMENT, a copy a Federal Trade Commission Report and letter. This company disregarded a police report and are still reporting a fraudulent account to my reports. I want this company to delete immediately that fraudulent account from my reports and a deletion letter through CFPB portal as soon as possible. Im also attaching the police report I sent them, the letter I sent them and the FTC report that they received. If I dont a quick response I will file this case in court. Thank you!
Product: Checking or savings account

As of XX/XX/2022 I experience bad customer service at wells fargo on XXXX XXXX in XXXX tennessee. This was a busy day and they were short of staff. Well they had a line of people waiting for service and u had employee talking and running their mouth nit even helping customer. When they did get some help XXXX XXXX did nit provide genuine customer service. He insulted by intelligence and put my payroll check on a 4 day hold. This man did not even di his research and did not even look at previous transactions o. My account. He told me that I can go to check cashing place. I said what nerve He insulted intelligence and he did not care You see wells fargo had not changed. We are just a number and they will take your money and do care. Wells fargo is just putting a front for people of all XXXX just to take their money. We need to find another bank for which they care about the customer.
Product: Credit card

I booked a hotel room for 1 night for a charge of {$420.00} ( including all taxes and fees ). The hotel charged me {$580.00}. I noticed right away and went to the front desk where I was informed the manager would need to fix it and he was out. They gave me his card and told me to email him. I never received a response from the manager so I disputed the charge with the credit card company. I faxed and mailed them receipts showing I booked for a total of {$420.00} and of course they could see I was charged {$580.00}. After over a month they informed me they were siding with the merchant and I was to pay the {$580.00}.
Product: Checking or savings account

I changed a flight with XXXX XXXX on XX/XX/2019. I was charged {$150.00} dollars as a change fee, and have a receipt for this. On the same day I was charged {$200.00} by XXXX. There was no receipt, and I could not find any reason for this charge. 

I called XXXX XXXX, and they had no charge under my name, or my ticket confirmation, other than the {$150.00}. The {$200.00} charge was not coming up, and they told me to dispute it with my bank. 

I disputed the claim with my bank PNC and on XX/XX/2019 received a letter saying my claim has been denied. I then called PNC bank to talk to them about my claim, and to request documentation that they relied on in making the decision. No one could point me in the right direction. I spoke to at least 4 people, in several different departments. I was given a number to call, but upon speaking to someone in that department, they told me to go back and talk to the department I was just speaking to! That department then gave me the same number I had originally called! None of their employees could help me whatsoever. This was extremely frustrating, as all I wanted was to request documentation, as the claim denial said I had a right to. Yet there was no easy number to call, no department listed to address my concerns to. 

Eventually I was able to get in touch with a supervisor in their main office. She was able to help me resubmit a claim and to request for more information. However, she still was not able to see why my claim had been denied. 

Several days later I received my the documentation I requested. XXXX XXXX sent information detailing the charges. The Merchant Response wrote " The received dispute for the transaction date XX/XX/2019 of XXXX is invalid. '' However, they also wrote " Reversal is requested as cardholder has been charged twice for two different passengers. '' I was being charged for someone else 's ticket! XXXX even says reversal is requested! How could PNC not take this into consideration? The other ticket was not an individual I know, and obviously must have been some computer glitch. 

I feel that PNC has not looked into this matter thoroughly enough, nor have they made it easily accessible to get information which I have a right to. 

Long Story short : XXXX XXXX incorrectly charged me for someone else 's ticket change. When I disputed it with PNC, they denied my claim. Customer service with both companies was atrocious.