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

I have sent letters to XXXX, Transunion, and XXXX to verify the accounts thats showing on my credit report as negative. I have no knowledge of the accounts and every request has came back verified without a proper investigation. I asked for dates, balances, and signed contracts. I have haven't received any proper verification that the accounts belong to me. The accounts don't match up and some are all there with the same account number twice but a different balance. I'm just asking for a veritication for the following accounts listed. 

XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Acc # XXXX Transunion XXXX # XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX Acc # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX  Acc # XXXX XXXX Acc # XXXX XXXX  XXXX # XXXX If after any reinvestigation under paragraph ( i ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation.
Product: Checking or savings account

hey im XXXX XXXX XXXX yrs old very much need help tried to talk to chase an they said the claims the department filed to close it but the reason is my phone got stolen an couple apps you can just get into phone was already unlocked an the couple apps the person who stole my phone went on happened to use it so i called the claims to get it back was not me i had to call from a new number had to end up ordering new phone if you can please help i love chase alot dont use know other bank besides chase i had to end up getting new phone was no way of me tracking it because it would be off at times an after they did the transactions i didnt do they reset the phone so i couldnt use find my iphone
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried numerous times to resolve an issue with my account owned by  Continental Finance  in regards to there subprime  XXXX  credit card. I closed the account in  XXXX  of   XXXX   after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES.  W  ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off.     Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case #  XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call  XXXX  again to get an update. I still got the run around.     So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since  XXXX  damaging my  credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.
Product: Credit reporting or other personal consumer reports

Credit score not right there things that I didnt approve hard Inquires not right
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXXXXX XXXX XXXX XXXX Please delete this fraudulent account immediately.
Product: Debt collection

On or about XX/XX/2021, I received a phone call from Hyundai Motor Finance. I invoked my rights under 15 USC 1692 ( h ) and ( c ). I asked them to validate this alleged debt and cease and desist collection and the harrassing phone calls, until that was completed. I was put on hold for 43 minutes, I hung up. 
On XX/XX/2021, I was contacted by XXXX at HMF, and when I tried to invoke my consumer rights she laughed at me, said I needed to bring a balance current, and that she was trying to help me before I lost my car. I invoked my rights pursuant to 15 USC 1692 ( b ), ( c ), ( d ), ( g ), ( h ). She left me on hold a total of three times when I asked for management, she yelled, she laughed and mocked me, she then, after two hold periods, said she would put in my cease and desist, because I was " throwing codes at her ''. While laughing, saying that this wouldn't matter. I asked her to validate the alleged debt in writing, ultimately, after 42 minutes, I was transferred to XXXX, who said that I need to bring the balance " current ''. I invoked the same US codes, and he said he was ending the call. I do not feel this was lawfully or satisfactorily resolved. I felt harrassed and ridiculed. I have since sent an affidavit to the CEO XXXX XXXX by certified mail number XXXX. I also forwarded a complaint about my treatment. Again, I do not feel this was resolved. Thank You.
Product: Credit card or prepaid card

I will note that I am a BoFA private banking customer and have received nothing short of stellar service up until this point. Nevertheless I'm surprised that BoFA would treat any customer like this. 

On XX/XX/2021, I initiated a claim with Bank of America. 

I purchased a plane ticket from XXXX XXXX on XX/XX/2021 along with flight insurance. I cancelled the flight, however to claim flight insurance and get a refund I needed a copy of the cancellation email. I never received a cancellation email. 

I called again a week later, and XXXX said they would resend a cancellation email but they never did. 

I have cancelled flights in the past with XXXX and successfully received cancellation emails, but the one time I purchased insurance and needed a cancellation email to receive a refund, I didn't. 

I filed a claim through Bank of America on XX/XX/2021 and I received conditional credit, and on XX/XX/2021, my claim was denied and the credit was taken back. I was given no options of recourse, no ability to respond or re-open the claim.
Product: Debt collection

Someone created an account under my name with Affirm, Ive contacted affirm on 2 different occasions and they take months to come back and say Im responsible for these accounts. They are 2 different accounts, theyre stating that I received products from them, Ive never made a payment, never heard of them until they showed up on my credit report. Ive made a police report, Ive filled out their disputed documents, theyve confirmed the card making payments was not mines but Im still responsible. Which I dont understand. I thought this was done, but I went to purchase a home and my lender contacted me and these particular accounts, again that dont belong to me.
Product: Mortgage

On XX/XX/XXXX, I reached out to XX at US Banks XXXX XXXX, CA office. I explained there is another individuals name listed as the borrower on my US Bank online account after refinancing my house in XX/XX/XXXX. XX contacted his Loan Assistants ( XX and XX ) to research the issues. US Bank decided the issue is with the recording office ( XX ). 

XX/XX/XXXX, I reached out to XX asking to review their recording filings. 
XX/XX/XXXX, I filed an online complaint to US Banks Fraud Request Line. 
XX/XX/XXXX, received a secure document from US Bank ( XXXX ) stating a 3rd party entered the information incorrectly and US Bank is unable to remove it. 
XX/XX/XXXX, after several emails and documentation review, XX, Manager at XX, proved the recordings are correct and the clerical error is within US Banks system. 
XX/XX/XXXX, I sent my loan officer an email expressing my disappointment with the issues. 

On XX/XX/XXXX, I moved from CA back to my primary home XX. Since then, I have been receiving mail for XX at my home address AND my mother in CA, where I resided when I refinanced in XXXX, is now receiving mail for XX with my previous address : XX. 

XX/XX/XXXX, I requested a HELOC Loan from US Bank. Once closed, I again, saw XX name on my online mortgage account. 

XX/XX/XXXX, I called the County, and they confirmed the deed to my house IS in my name and US Bank has a clerical error in their system listing XX on my account. the County has XX document number as # # that includes a trust to XX and XX ( this information is included on my mortgage screen on US Banks website ). 

XX/XX/XXXX, I forwarded the information to XX, who started my HELOC process to ask if she can correct this mistake in the system. She reached out to her team ( XX ). XX replied to contact Mortgage Customer Service to see what they can do. I called XXXX, talked to a representative who recorded my case and NEVER HEARD BACK. 

XX/XX/XXXX, I emailed XX tell her my mom received mail at my old CA address with XX as the addressee asking X if she wants to sell her house with my address. 

XX/XX/XXXX, I posted my situation on XXXX via US Banks site. X from US Banks Media Customer Service reached out asking how he can help resolve this issue. I sent him my documentation and he notified me it can take up to 10-15 days for resolution. 

XX/XX/XXXX, I received a packet from US Bank with the documentation from my refinance in my name. THE ONLINE PORTAL STILL SHOWS XX IN MY ONLINE ACCOUNT INFORMATION. I WANT IT REMOVED.
Product: Checking or savings account

Wells Fargo continues to refuse to return my money my account was compromised an someone made fraudulent deposits in result to that my money was token I will continue to file complaints until my money is returned
Product: Money transfer, virtual currency, or money service

I am finally a complaint against cash app block Inc. due to in adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) pacifically Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. furthermore dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFT ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress For these violations
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid accountXXXX  balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

Experian is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.
Product: Credit card

Amex Closed my Business card account, which was in excellent standing without notifying me and robbed me of rewards points with cash value of {$500.00}. This also had negative impact on my Business Credit score. See attached letter.
Product: Student loan

In XX/XX/2007, I attended the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, FL. It was funded by Sallie Mae, and I was not provided with complete copies of Sallie Maes contract. I only attended one semester, and that school has been salvaged into XXXX XXXX college. It was hit with affect of the housing collapse. Since the transfer to Navient, I now have both old Sallie Mae information and Navient information reporting on my credit file. I made a simple request :  please provide me with a copy of the original instrument of indebtedness in its original form, and after 2 months of waiting, I receive a questionable looking promissory note that has NO SIGNATURES, just a typed Robo-sign. Its not notarized and it also looks to have had white out used on it then re-copied and mailed. They also show no chain of custody paperwork between them and Sallie Mae. There is nothing to verify these figures they are reporting against me.
Product: Credit card

XXXX XXXX used my address ( XXXX XXXX XXXX XXXX XXXX GA XXXX ) to apply for different credit cards and loans. XXXX never lives at XXXX XXXX XXXX XXXX XXXX GA XXXX and it's a fraud. Please find the mails from the attached document.
Product: Debt collection

XXXX has repeated contracted debt collectors to collect payment for an electric bill from me. I have never lived in Texas and obviously do not owe money to a power company there. I have denied the debt multiple times and have asked XXXX XXXX to cease contacting me about this. In 2014 they apparently had credit agencies add that TX address added to my credit history. I had to report the error to have it removed. We just received another letter from a collection agency trying to collect.
Product: Mortgage

I purchased a home in XXXX and moved out of it in XXXX. It has been a rental since XXXX. I have applied with 5 lenders for a refinance since XXXX. All mortgage lenders have confirmed value of house is {$200000.00} and payoff balance is {$78000.00}. I have been denied a loan five times because I do not have 6 months worth of monthly house payments in a seasoned bank account. I have been told there are " government guidelines which require the 6 months reserves ''. I was denied a modification by my current lender because they are a servicing company and because my payments are current, house is worth {$200000.00}, and has rental value of {$1400.00} and I receive $ XXXX monthly income from tenants who have lived in the house since XXXX. There was a " balloon '' payment due XXXX/XXXX/XXXX. 
My mortgage company has notified they will forebear any foreclosure as long as I continue making the house payments. 
Can you provide me the name, address and telephone number of the government agency who can verify if this guideline only applies to a new purchase and not to a home i purchased 39 years ago. Please provide me with all pertinent information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS REMOVED XXXX XXXX BANKRUPTCY # XXXX DUE TO VIOLATIONS OF 15 USC 1681 ( a ) ( 4 ) ,15 USC 1681b. ( a ) ( 2 ), and 15 USC 1681a- ( e ). XXXX CAN NO LONGER VERIFY XXXX XXXX  BANKRUPTCY # XXXX. IT HAS BEEN REMOVED FROM MY XXXX CONSUMER FILE. 

XXXX has removed Bankruptcy # XXXX. I, XXXX XXXX XXXX ( CONSUMER ) was told by Experian in response to a dispute of said Bankruptcy that Experian verified this information using XXXX. XXXX HAS REMOVED BANKRUPTCY # XXXX. 

I, XXXX, XXXX XXXX am the CONSUMER pursuant to 15 USC 1681a. ( c ). 
I Consumer hereby demands Experian to Cease and Desist the reporting of bankruptcy case # 1314789 and to remove it immediately.

You are violating 15 USC 1681 ( a ) ( 4 ). You have infringed upon a Consumers right to privacy. Remove the negative information from my Consumer Credit File immediately.

Send me an UPDATED copy of my Consumer Credit File showing the account has been removed. 

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

I have submitted multiple disputes for accounts reporting on my EQUIFAX credit report that do not belong to me. I have submitted multiple fraudulent disputes where EQUIFAX states they have " verified '' the account as mine, but when I ask for them to provide me proof of how it was verified they do not comply, but continue to leave the accounts reporting on my credit report. It is a violation of my consumer rights to furnish deceptive forms including unlawfully reporting inaccurate information to a consumers credit report. It is also a violation of my consumer rights to not properly furnish the form of verification that was used to " verify '' the inaccurate fraudulent accounts reporting on my credit report. It is also a violation to remove accounts and then put them back on my credit report.
Product: Mortgage

This company bought by loan a month after I purchased my loan, they are not honoring the terms of the previous loan by charging to pay {$12.00} by automated phone call, or making an additional charge of making a payment after 5 days, 10 up to 15 days a specified amount. My previous terms, free over the phone, late after 15 days past due date. This company you must pay on line in order for it to be free. The web site is continuously down, the wait time is awful, today I waited on numerous occasions, recieved 5 passwords that wouldn't work, my old password wouldn't work, I'm just trying to make a payment before the 5 that of the month. I haven't had paperchecks in over 15 years so I can not mail.Frustrated with the business operating practices.
Product: Credit card

Payment of {$12000.00} was made out of my new loan acct. On XX/XX/XXXX. ( A loan that was procured specifically to pay off balances of Capital One cards x2. ) Payment was accepted, then rejected. This occurred on a weekend day. A second attempt was made, thinking some info was put in wrong. First thing Monday morning, I contacted BOTH institutes to fix problem. Capital One closed both credit acct., citing violation of agreement. This seriously affected my credit. I have had both acct. since XXXX, with no missed payments. I asked them to reinstate my acct. in good standing. They requested proof of ownership of acct., it was provided XX/XX/XXXX. Still awaiting response. I want acct. reinstated. Mistake was made on my part causing pymt. return. Honest mistake, was trying to pay off total balance. It is just ridiculous that a long time, in good standing, customer is treated this way, affecting my credit negatively.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed unauthorized inquiries listed. These inquiries have negatively impacted my ability to apply for new credit. I request the immediate removal of the following inquiries from my report : XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/year> 2024
Product: Credit card or prepaid card

While booking a flight on XX/XX/XXXX on XXXX XXXX a popup offered a {$200.00}. discount off the ticket price if I applied and was approved for the Citibank AAadvantage Plantinum Select Card. I  applied for the card and was approved the same day but in trying to use the card to pay for the ticket, which payment had to be made within 24 hours the payment was denied for lack of a cvv number. Citibank gave me the card number of the approved card but said they could not give me the cvv number or a temporary number. They advised me to call XXXX to try to get the payment approved. XXXX   said they could only approve the card with a cvv number and referred me back to Citibank. Citibank again said they would not give me any sort of temporary authorization, thereby making it impossible to use this card to obtain the promotion on this ticked even though it sent me email saying the card was open. I can not use the card until I get the actual card with cvv in about a week, thereby making this promotion false advertising.
Product: Mortgage

On XX/XX/year> I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. 
On XX/XX/year> that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/year> I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. 
On XX/XX/year> I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. 
On XX/XX/year> the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. Again paying through ACH. 
On XX/XX/year> I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. 
On XX/XX/year> I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. 
On XX/XX/year> the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. 
When I called and asked about the events that were happening because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.
Product: Credit reporting or other personal consumer reports

I won a dispute over an account on my credit report XXXX XXXX and this was deleted from my credit report on XXXX. The company Equifax re insert this account in my file without sending any notifications and after that the account was reporting the balance in XXXX in XXXX and now in XXXX they change the information reported from last month. This is clear evidence of inaccurate information since this is changing from month to month and the bureau is allowing them correct the inaccurate information when this shouldnt be in my report. This is affecting my credit big time because this is reflecting as recent new delinquency account when this is from 2019
Product: Credit card

Dispute Initiated : XX/XX/24 Amount XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX A subscription charge that had not been charged for 6 months because I called to cancel. 

XXXX XXXXXXXX XXXX XXXX They did not cancel my services. I disputed with Discover Credit Card services and they said the charge is valid despite no evidence that I wish to continue services.