23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Ive just recieved my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account # XXXX, XXXX, XXXX, XXXX, XXXX, and as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX, IL XXXX has vio ; ated my rights 15 USC 1681 602 A states i have the right to privacy 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reeached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data 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. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX  XX/XX/2022
Product: Checking or savings account

Good morning, I opened both a Chase total checking and chase savings account together with coupon code XXXX XXXX XXXX XXXX. The promotion said I would get {$900.00} total bonus after 90 days and qualifying activities. The accounts were opened XX/XX/year>, and funded per the terms of the advertisement on XX/XX/year>. Also, I've had direct deposits to the checking account per the terms of the advertisement. It has been over 90 days. 

Chase has not deposited the {$900.00} to my account. I have lost interest income by having my funds at Chase as I was counting on Chase fulfilling the terms of the advertised offer. 


Thank you, XXXX XXXX XXXX
Product: Mortgage

My husband and I are in the middle of a home purchase with a closing date of XX/XX/XXXX. WE NEED IMMEDIATE ACTION in order not to lose the house we are purchasing and/or have our deposit returned to us. In Summary, Navy Federal Credit Union provided Conditional Approval for Mortgage Commitment on XX/XX/XXXX, which was the commitment deadline stated in our XXXX XXXX XXXX. On XX/XX/XXXX NFCU retracted their financing commitment for reasons not stated in the conditional approval. We, the buyers, stand to lose our earnest money deposit because NFCU retracted their financing approval AFTER the mortgage commitment date. 

The facts of this transaction are as follows : -On XX/XX/XXXX we received pre-approval from NAVY FEDERAL CREDIT UNION ( NFCU XXXX in the amount of {>= $1,000,000} ; using this information we signed a XXXX XXXX XXXX on XX/XX/XXXX to purchase a home using a VA XXXX in the amount of {$960000.00}. 
- Our intention was to finance the mortgage 100 % using a VA loan, but the sellers asked for an earnest money deposit, to which we agreed in the amount of {$48000.00}. 
- ON XX/XX/XXXX WE NOTIFIED NFCU THAT WE HAD UPLOADED ALL OF THE REQUESTED DOCUMENTS. 
- On XX/XX/XXXX, we reached out to the loan processor to ensure that he was aware that the mortgage commitment date was XX/XX/XXXX. We have proof of this communication ( and many others XXXX. 
- On XX/XX/XXXX, NFCU requested XXXX tax returns, which we provided immediately on that date. 
- We contacted the loan processor and our loan officer many times leading up to the mortgage commitment date to check the status of the loan and were informed everything was in order. 
XXXX XX/XX/XXXX the loan processor requested a last minute extension ; the sellers agreed to a new mortgage commitment date of XX/XX/XXXX. 
- We again contacted NFCU many times leading up to our extended commitment date to check the status and were told they were waiting on tax transcripts they had requested from the IRS. 
- On XX/XX/XXXX we took it upon ourselves to access the IRS website and provided the tax transcripts directly to NFCU. 
- On XX/XX/XXXX we contacted NFCU many XXXX times, still awaiting financial commitment which was due that day. 
- At approximately XXXXXXXX XXXX on Friday XX/XX/XXXX we were given CONDITIONAL APPROVAL for our mortgage commitment. We read the list of conditions, which did not include anything that would impact our ability to purchase the home. 
- On Monday XX/XX/XXXX, we were informed that NFCU was denying our financing for reasons not expressly stated on the conditional approval letter. No additional information was received by NFCU between the dates the approval was given and the date it was retracted. 
- On XX/XX/XXXX our attorney confirmed with the sellers ' attorney that the sellers would not be returning our earnest money deposit because it was past the contractual mortgage commitment date. 
- We now stand to lose the home we are intending to purchase AND our cash deposit, through NO FAULT OF OUR OWN, as we did not have any opportunity to back out of the deal before our financing was removed.
Product: Credit card or prepaid card

I had a XXXX collateral release transfer and it's on my credit report ... I didn't use this at all after XXXX XXXX then again I found out by requesting statements Every single payment to that card was an automatic payment so I should no late payments. i I'm seeing a past balance on one of my credit reports for XXXX and the account is closed. I have tried to contact Wells Fargo  to make sure I was not negative. I cant obtain my original checking account where I made the payments. My credit score for making on-time payments with wells Fargo was XXXX. I never received any letter from wells Fargo of any overdrawn account. I never went over-limit in the 4 years I had the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is XXXX an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following aount : Accounts Name - Account Number XXXX XXXX XXXX Account number XXXX I have reached out to Experian to dispute this accounts and tell them to do a proper investigation for accuracy. I have mailed in three letters in XXXX for the same reason. & have did disputes online for them to investigate this account but they never did an investigation open it & closed it the next day. 

Please remove from my credit report
Product: Credit card or prepaid card

I WAS MISLEAD AND PAID A COMPANY USING MY 2 CREDIT CARDS. I PAID XXXX XXXX {$3200.00} ON XX/XX/2012 AND ANOTHER {$8800.00} ON XX/XX/2012 WITH MY XXXX CREDIT CARD.. I PAID WITH MY CREDIT CARDS AND HAVE TRIED TO DEMAND A REFUND FROM THE COMPANY AND CREDIT CARD COMPANIES. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND DID NOTHING AT ALL FOR ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions I have not authorized any these inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Have Been A Victim Of Identity Theft. My Whole XXXX Account Is Not Reporting ..... However, I was not late on XXXX XXXX payment update this account to pay on time never late for inaccuracies in false reporting : Trans Union Open Date. XXXXXXXX XXXX Open Date. XXXXXXXX XXXX XXXX Date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaints with the bureaus about negative information being reported on my consumer reports. I am a federally protected consumer with rights. I have a filed complaints with the cfpb and even showed documentation. The accounts are still somehow getting verified. I am bringing the laws to back me up this time. According to 15 usc 1692 only I the consumer can validate a debt. The bureaus were not there at the time of any of these alleged transactions. In order for them to verify anything they would need to interview my neighbors or family members which none of that was done to properly assess the alleged debt. Also according to 15 usc 1681b ( a ) ( 2 ) A consumer reporting agency can only furnish a report with my written consent which they do not have.

As a federally protected consumer I also have the right to privacy 15 usc 1681b ( c ) ( 1B ) ( iii ). These alleged transactions are linked to my credit card which means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ( This is my social security card ) 15 usc 1602 ( i ) XXXX deleted the XXXX accounts but XXXX  and equifax claimed they're verified that makes no sense, I want this competely and thoroughly investigated.
Product: Checking or savings account

Bank of America and all their digital platforms have been Fraudulently allowing the criminals to steal from all my accounts at BOA since XXXX the Criminals have stolen over XXXX thru fraudulent wire transfers, ATM transactions and actual bank withdrawals all while I was in the hospital. I reported the fraud as soon as I was coherent enought to. realize what had been happening while I was incapacitated. 
This has cause Financial hardship and serious, physical, mental, emotional, and psychological effects due to BOA lack of providing any information I have requested over XXXX  months! please help an elderly woman being mentally abused by a Giant Babk! .
Product: Credit card

The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.
Product: Checking or savings account

On XX/XX/2019, on or around XXXX XXXX, a Chase bank teller stole {$200.00} in cash while a customer was making a cash deposit on location. 

This branch is located in XXXX XXXX XXXX, XXXX, NY XXXX. 

The cash deposit was handed to the bank teller with the exact amount and quantity of bill being deposited on the back of the deposit slip. Example : $ XXXX XXXX, $ XXXX The bank teller did not count money in front of the customer and failed to use the money counting machine right next to him. 

Instead, he proceeded to use the money counting machine that was further away from his work area. 

He told the customer that {$200.00} in cash was missing. 

The manager was contacted but he failed to investigate the matter. 

The matter was then escalated to Chase Branch Complaint Escalation Group. 

The XXXX XXXX Police Department was contacted and then the police report was filed on the same day with two police officers on location. 

The Chase Brank Complaint Escalation Group does not provide updates to the case nor do they call back when requested numerous times.
Product: Checking or savings account

I went through court to fight my ex husband from termination of maintenance and won case with my lawyers help. I was suppose to receive a check on XX/XX/2022 so I made plans to have some creditors get automated payments that day. Well check didnt come so my mother and I wrote check from her bank account to cover these bills so they wouldnt bounce. Well payment didnt come till XXXX and then her bank didnt honor checks ( we planned on having money to put in that account too out of ex husband check I received {$2000.00} x 2 and {$5600.00}. Everyone was paid but now bank has account on hold for risk fraudulent activity. My ex husband just stopped payments without notice in XXXX my credit and all accounts are closed and Im left with out credit and bank accounts and owing about XXXX to bank accounts and creditors too. Im XXXX and very sick with XXXX  and XXXX and on XXXX prescriptions I can not handle this stress on top of what last 9 months I went through. Now Im getting terrible calls and bank has collection agency pursuing money and they wont release any so I can pay bills please help and if I did something wrong Ill make it right!! Theres hold on my account!
Product: Mortgage

I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed.
Product: Mortgage

XX/XX/XXXX, my closing attorney as well as myself requested a payoff statement. 

I have not received it and the loan advisor says my account is pending because the system is taking its time updating a payment made on the same day. 

I am trying to refinance and they have already taken me past my closing day, adding more interest, and I am still waiting for a closing statement.
Product: Debt collection

Upon inquiring to make a payment, they presented me a different amount so I had to explain why. In a mean time, the operator insisted not to listen what I am trying to explain, ended up saying abusive insult over the phone and hang up on me and never pick up the call when I tried to reach out. The issue is their altitude and aggressive behavior towards those trying to make a payment and neglecting their job as a collector. 
Please check the recordings the phone call took place XX/XX/XXXX approximately XXXX ; XXXX EST and a male who picked up a phone call at XXXX ACSI Allied Collection Services , Inc. for the payment for the XXXX who he claim to be a manager.
Product: Debt collection

Let 's month, I mailed XXXX XXXX a certified letter requesting that they verify the debt of {$200.00} which is on my credit reports. They have not responded and it has been over 30 days.
Product: Credit card or prepaid card

I pay off my balance after every use. This last payment made on XX/XX/22 has completely cleared my bank and citi bank ( best buy ) emailed me confirming the payment has been applied. My available credit is in the negative because the payment is still not posted in away that releases the available credit. I called twice and the reps have informed me they do this because " citi bank knows all of the tricks in the book and they hold the funds for at least 9 days because people somehow get their banks to return funds '' This is a deceptive practice, as the email I received confirms they have received my payment, the automated line informs it can take 3-5 days to show as such ( well past that now ). They have no statement in our agreement made to acquire the line of credit showing they have the right to retain my funds for so long without allowing me to use the agreed amount of credit. I am remodeling my home and wish to use the promotions of percentages back for certain purchases within the time-frame provided by email, I am not able to do that due to inaccurately not allowing me to use the card. If this was a real and official rule, why have they only done it for this transaction? I have made much larger payments in the recent months with no issues. I am being treated as though they are assuming I have ill intent, where I have shown none. On the latest call, the rep said she was with a supervisor and would have it fixed in 10 minutes ( whatever that involved I do not know ). I then asked to speak to that supervisor and was transferred to another one with no knowledge of my situation at all. Her name was XXXX.
Product: Mortgage

I applied for a new mortgage with JG Wentworth on XX/XX/18. 
XXXX XXXX NMLS # XXXX My closing date was supposed to be XX/XX/18 more than 60 days from the origination date. 
The company used the wrong loan type ( refi vs. new ) to gather information about title processing fees which put my loan outside of the acceptable range so my final loan approval which has been in process for many weeks has been delayed by an additional 3 days. 
I am selling a property as well as purchasing so coordinating services, utilities, movers, walk through, etc must all be changed now. 
My moving company is charging me {$500.00} per day to hold my belongings an additional two nights. 
I have no where to live for two days. 
I have to reschedule multiple services and several people who were coming to help must also change their plans. 
I am fully aware that things can go wrong when mortgage originators are involved but it has been established that JG Wentworth caused this problem because they mostly handle re-fis not original mortgages. They didnt disclose that to me when they sought my business. 
As this unfolded, XXXX boss XXXX called me and chastised me for my attorney speaking harshly to XXXX. He told me he has call recordings of the conversation. How I am responsible for something my attorney said is beyond me. 
The final result is that XXXX agreed to eat the {$300.00} mistake that XXXX made but that doesnt remedy the additional {$1000.00} that I will have to pay for the movers to hold my belongings for two more days nor the extreme complications this causes multiple parties. 
XXXX tried to pressure me into using their title company because he said the one the seller chose was too expensive. I refused to do that. That alone seems unethical if not illegal. 
They also tried to increase the mortgage rate by a quarter percent due to their error but my attorney was able to stop that from happening once they admitted it was their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year i wrote a letter to XXXX, Experian XXXX XXXX to notify the Elaborate mechanisms that they are indeed Reporting fraudulent information & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the account but actually Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB.

3 months later & they have failed to Comply with Federal law and me the consumer & is also now Reporting a Late Payment with the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile.

Their Negligence to Comply with Federal law has caused me Stress, XXXX XXXX, XXXX, Hardship, misfortune, XXXX, XXXX and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX decided to check my credit report and saw that there were unauthorized inquiries on my behalf. According to FCRA legally these unverified & unauthorized items MUST be removed! 

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

Transunion, XXXX, and XXXX have all been notified of my identity theft report to the Federal Trade Commission. I have specifically notified them that accounts being reported on my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For fraudulently obtained credit cards need to be removed under the FCRA. They have wrongly claimed that they have " researched '' the issues. Their research has been negligent and they are causing me harm by continuing to report this false information.