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

My first issue is the the representative whom I spoke with to secure the loan misrepresented the insurance product that they offered. He explained to me that in the event of loss of employment the insurance would pay off my loan for me. Well that did not happen unfortunately I was laid off XXXX XXXX and this insurance product that the XXXX representative sold me on did not pay off my loan. I am requesting that the insurance product they are selling be investigate and properly marketed to consumers with the correct information ... ... ..The insurance will only pay for 3 payments in the event of lose of employment. I am asking they my pay my loan in full as this is how it was advertised to me when sold. 
My second issue is that the insurance company paid XXXX XXXX for my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Payment however XXXX is reporting these as late payments on my credit report. I would like to these late payments immediately removed from my credit report. I have attached the information and emails from the insurance company stating they made the payments directly to XXXX XXXX so why are they reporting them as late payment. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 using PayPal credit I made a purchase in the amount of {$1400.00}. Upon receiving the purchase receipt, I identified that PayPal charged my bank account. I contacted my bank to stop the payment because I do not have that amount of cash available for thar purchase. I then proceeded to contact PayPal who informed me that the reason why it was put thru on my bank was because the credit limit on my PayPal credit account was not sufficient, and that the system assumes that it is okay to use a second funding source without notifying me by providing me an adverse action notice and or giving me the option to proceed with the purchase. I contacted PayPal on XX/XX/2022 who advised me to contact the merchant directly for a refund, after numerous failed attempts to get refunded from merchant I opened a dispute with PayPal XXXX XXXX  who until this day XX/XX/2022 have not given me a resolution and instead I received a collection letter from a debt collector. PayPal unfair and deceptive practices are a violation to my consumer rights to fair and honest dealing it is causing negative credit reporting, financial distress and negatively impacting me, my finances and my credit..
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Birthday : XX/XX/XXXX Social security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX Ohio XXXX To whom it may concern at CFPB My information was sold and bought illegally because I was a victim of the equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX account number XXXX {$710.00} XXXX XXXX- account number XXXX {$730.00} XXXX XXXX- account number XXXX {$170.00} XXXX XXXX XXXX- account number XXXX {$700.00} XXXX XXXX XXXX account number XXXX {$640.00} XXXX XXXX- account number XXXX {$950.00} XXXX XXXX XXXX- Account number XXXX {$510.00} XXXX XXXX- account number XXXX {$9.00} ; XXXX Thank you XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX {$920.00} XXXX. XXXXXXXX XXXX XXXX {$20000.00} XXXX. XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  {$1200.00} XXXX. XXXX XXXX {$640.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/year>, I try to withdraw cash at ATM for {$420.00} including ATM fee a transaction around {$420.00} but a ATM only give out cash {$100.00} which 5 of {$20.00} bills at dispenser. Which mean they owe me {$320.00} after all.I dont have a receipt for a withdrawal but I called an ATM customer service right away after an issue to see what they can do for me but agent said it will be best for me to file dispute though my chime bank. They provide me with a case reference number. After I hang up from ATM customer service and called Chime to file a dispute right away but since it on pending they cant creat a dispute case. 
On XX/XX/XXXX, a transaction was approved and not on pending, I called my bank back to let them know so they can create a case, they said it will take 4-5 days for investigation. Come to XX/XX/XXXX, my dispute case was denied. I have give them what I have to help get my money back.
Product: Bank account or service

On XX/XX/2016, I attempted to open a new Checking Account at Citi. I did the process online. I was unable to meet address verification requirements and send in supporting documentation within the 1 month deadline. I received correspondence stating my account would not be opened if I did not send supporting address documentation. 

During that time, I was still mailed an ATM card and a PIN. I never activated my ATM card. 

The bank did not execute a balance transfer from an account outside of Citi which I had provided as the method for depositing money to open the account. 

I recently checked in a Citi branch and they are stating that my account is " frozen '' but also open. Also, the branch employees were stating that my account had a negative balance due to minimum balance fees. I asked the branch employees to explain why the account was still open and they said they were unable to do so. I asked the branch employees to close the account. They said they were unable to do so. 

I 'm filing a complaint now to initiate closing of the account that I never was able to fully open in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &amp;  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.
Product: Checking or savings account

On XX/XX/2023, I received in a payment from a client ( a medical college in my state that is very well known ) for work performed. Before depositing the check into my account with Chase, I asked about hole policies since the bank that it was drawn on is a local bank and the check and its amount could be easily verified and/or I could cash it if there would be a continuous hold on the funds. I was told by not XXXX, but XXXX individuals with my account at Chase that there would be a hold for the amount but a simple call to customer service would release this hold because it could be verified because its drawn on a well-known bank. I was not concerned with the entire amount of the check being available, but rather that enough of the funds were released for me to pay my mortgage payment to avoid foreclosure. Following the instructions I was provided, I contacted customer service as directed and was told that the check was already verified, and that the full amount of the check would be available to me on XX/XX/2023 and that my pending transactions for my mortgage payment would be cleared ; not returned. On today, XX/XX/2023, I checked my account which showed that the hold was not released and that the transaction for my mortgage payment was returned. When I contacted customer service and told them that I clearly was not told correct information by not only XXXX, but XXXX individuals, they could only apologize and proceeded to provide me with a telephone number for a holds department ( which was not provided on the previous day. ) When I spoke to the young lady in the holds department and asked her to call the other institution to confirm the funds and the check, she told me that they in fact do NOT do this and then proceeded to tell me that I would be responsible for all returned item fees. Chase is getting away with murder because I was told incorrect things by not only XXXX, but XXXX individuals who told me that the hold could be released. I also feel as if I was misled because I could have simply cashed this check on the written bank and not had any issues. Is it because XXXX XXXX? Maybe. Because they literally put the entire amount on hold and didnt even attempt to call the bank it was written on to confirm it. In addition, the woman from the holds department tried to tell me how the system works for cashing checks as if I was ignorant, when little did she know that my family has a history in banking including writing check hold rules and operations for the same bank the check was written on as former VPs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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

On XX/XX/2021, I contacted Experian about the following inquiries ; XXXX  XXXX Inquiry on XX/XX/2021, XXXX XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  XXXX Inquiry on XX/XX/2021. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

Attempting to complete a short sale on the property due to the amount being over the current amount valued. Caliber Home Loans is not allowing for the short sale to commence nor be reviewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf without the help of anyone/anything other than publicly available laws. I authorize Equifax to comply with my demands. 1. Notice, it is a fact, that I submitted an identity theft report to Equifax, the receipt of which Equifax confirmed on XX/XX/2021 at XXXX mountain time. ( See Exhibit ).

2. Notice, it is a fact, 15 U.S. Code 1681c- 2 states : except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after as information that resulted from alleged identity theft not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report.

3. Notice, it is a fact, as of this date and time on XX/XX/2021 at XXXX mountain time, Equifax has not complied with the block. 4. Notice, it is a fact, at this point in time, Equifax has been in possession of the Consumer demand to block information resulting from identity theft for 16 calendar days.

5. Notice, it is a fact, Equifax is in violation of 15 U.S. Code 1681c-2.

6. Notice, it is a fact, 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) states : Any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

7. Notice, it is a fact, Equifax has not responded to my Declaration of Truth, dated XX/XX/2021. 
8. Notice, it is a fact, Equifax has not complied with demands in my Notice of Cease and Desist regarding violations of the congressional declaration of permissible purpose dated XX/XX/2021. 
9. Notice, it is a fact, Equifax is violating conditions of my cease and desist by reporting information to be excluded pursuant to 15 U.S. Code 1681a ( d ) ( 2 ).

10. Notice, it is a fact, Equifax is willfully noncompliant with federal regulations regarding a valid identity theft report as defined in 15 U.S. Code 1681a ( q ) ( 4 ).
Product: Mortgage

Lender Placed flood insurance was purchased by the mortgage company even though the house was destroyed by fire and the mortgage company was aware of this and had all the official documentation sent to them outlining that the house was a total loss, flood insurance could not exist on property without a house etc. they have refused to refund the lender placed insurance back into our escrow account thus causing our monthly payment to increase.
Product: Credit card or prepaid card

XXXX XXXX XXXX - I reached out to DISCOVER as per their request to have me to close my account if I was not going to provide them with permission to access my tax filings. 

Neither credit cards has ever been late and my credit score is within the barometer of the Exceptional payment history. Discover has requested that through a 3rd party which is XX/XX/XXXX that they receive access to a XXXXXX/XX/XXXX.. Which allows then all pages of the tax return which I believe is in breach of the privacy policy on many levels and not limited to discrimination. The access to said information on the XXXXXX/XX/XXXX allows for Discover and XX/XX/XXXXto receive every page of the tax filing which can include dependent information along with dependent school ( s ) - assets and many other things .... that should not be made public to a company that has already experienced a major breach. 

Discover has great customer service - however the protocol is for each one for them to follow. 

Discover is using XX/XX/XXXXand there is no way to know whatXX/XX/XXXX is doing with the information obtained .. In addition to have provided XX/XX/XXXX with other sensitive information through Discover request approx. 2 years ago ( PHOTO ID AND SS CARD ) identifying documents which can compromise my credit and identity if mishandled. 

XX/XX/XXXX has gathered and stored copies of the documents and could have created a model to discriminate on information received. The government issued photo identification and the social security number and a form for the SS administration to verify said documents. XX/XX/XXXX holds this information and uses it as debt collectors use information ( this is an attempt to collect a debt and any information will be used for that purpose ). Although they are not collecting XX/XX/XXXX uses all the information collected as they choose. 

If access is not granted, Discover will close the account which has a negative affect on the credit rating that I have built in my adult life. The world knows how important CREDIT RATING is and payment history .... These actions will have a catastrophic affect and effect on my credit rating. I am including this information below as I have completed research on the parent company and the privacy policy with the Dept. of Justice XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) Discover Financial XXXX XXXXpresent ). 

Each of the above association received tax payer funded bail out money and the latest update was on XXXX XXXX link provided. 

XX/XX/XXXXlist As a taxpayer and an American citizen ... ..this process that XX/XX/XXXXand Discover have entered is indecent. Discover may report certain information monthly to each credit agency however it is not the information that a full tax filing would consist. in addition there can be no guarantees that XX/XX/XXXX can and will protect said information as they have failed in he past. 

Has Discover requested XXXXXX/XX/XXXX from .... senators, house speakers, mayors, governors, government employees, doctors, lawyers, CEOs of fortune 500 companies, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the information at https : //www.equifaxsecurity2017.com, I determined that my personal information ( including name, date of birth, address, and social security number ) was likely leaked in a recent security breach ( XX/XX/XXXX-XX/XX/XXXX ) on Equifax, Inc. 's systems. Equifax is entrusted with highly personal information by major financial institutions and millions of Americans who use credit. Their greatest responsibility is safeguarding and handling this information properly, which, as this instance demonstrates, they have clearly not upheld.
Because of Equifax 's negligence, myself and millions of other Americans will be at constant risk for identity theft for the foreseeable future, and perhaps the rest of our lives. Equifax has offered free TrustedID credit monitoring to those affected, but use of those services requires users to waive their rights to legal class action, which is truly an unfair ask in this situation.
Product: Mortgage

This new complaint is a direct result of PHH/OCWENs response to my previous complaint about them mishandling everything with my account. In the companys response to my previous complaint they stated that they have sent me several documents concerning my account. I responded that I have not received any correspondence whatsoever, not by phone or mail or any other conceivable method. This complaint is specifically addressing the documents they claim to have sent. These documents, some addressed to me and some addressed to my late husband who has been dead for a year and a half, WERE ALL SENT TO AN ADDRESS NEITHER ONE OF US HAS LIVED AT FOR OVER SIX YEARS! SIX YEARS!!!! Where did they even get that address and why after having the loan for my current house for three years would they send it to such an old address?? How does this even happen??? Now they will no doubt charge me even more for their gross, disgusting incompetence. This just has to stop! The incompetence of PHH/OCWEN has made my life an absolute XXXX for over a year. 
I dont believe anyone can be this completely idiotic. It took effort to find an address that is over six years old. I suspect that documents were intentionally sent to the wrong address so they can deny the current modification offer, add more unjustified fees, and continue foreclosure.
Product: Credit card or prepaid card

In XXXX, 2022, I contacted USAA regarding a dispute regarding a {$79.00} charge to my XXXX which involved an online scam, for which the XXXX XXXX XXXX a dispute and chargeback process to protect cardmembers. 

Per USAA 's instruction, I compiled a letter including very comprehensive evidence which USAA received on XX/XX/XXXX. On XX/XX/XXXX I received the attached confirmation. 

On XX/XX/XXXX, USAA asked me to provide specific information that they had already received on XX/XX/XXXX. The documentation was already sitting in a PDF on USAA 's server. 

On XX/XX/XXXX, I received the attached correspondence that my dispute had been rejected because USAA had insufficient evidence. When I called USAA, they confirmed that everything had been received on XX/XX/XXXX yet due to the configuration of their computer dispute system, they did not consider the information I had already sent. 

I am attaching all 48 pages of correspondence ( 3 files ) with the fraudulent vendor that includes images demonstrating the product they sold was not as advertised. 

I am also attaching a XXXX receipt and image of the envelope where I mailed back the product to that vendor. 

I have returned the fraudulent product, received no refund from the vendor, and received no relief in the credit card dispute from USAA. It is clear that USAA had all required documentation on XX/XX/XXXX yet USAA will not tell me what additional information they need to process the dispute and has declined the dispute despite clear evidence it meets the criteria for their member protection commitment.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX reported my credit card 60 days past due. I paid the amount owed back in XXXX leaving the account with a XXXX balance. i paid it with my debit card and my bank statements can prove the transaction was successful. Additionally, XXXX has the account as paid with a XXXX balance in their system when i contacted them. They said the collection department reported the wrong balance in error. I have an internal dispute filled within XXXX to clear up the 30 days late. Now they reported my account 60 days late for a balance of XXXX that I paid on XX/XX/XXXX ( XXXX dollars ) and XX/XX/2024 ( XXXX ). This account has never been late. This needs to be corrected asap. 60 days late is killing me. see proof attached. Thank you.