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

I am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given Transunion, XXXX and XXXX are failing to remove these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last report, I listed the FCRA requirements, and the response that I received was not accurate and did not provide me with any documentation from the verifying agency as they are reporting that it was verified. 

Per the FCRA the items are not correct on y report. Again I have listed below the FCRA requirements. 


In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard. Permanently remove all inaccurate accounts listed on the credit report within days allowed by law.
Product: Debt collection

We have contacted collections multiple times in order to validate the account that is negatively impacting my credit score. Despite our efforts, we have not received any response from them, and as a result, I intend to lodge a complaint.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

Hi, my name is XXXX XXXX XXXX. Somebody stolen my check and cashed the money from capita one on XX/XX/2019. The total Amount is XXXX. Capital one refused to gave me the refund. I am having a account with chase bank. XXXX would like to give me XXXX refund. I think capital one should give me the rest of the money which is XXXX. It was all capital ones fault. My chase account number is:XXXX my address is:XXXX XXXX XXXX. XXXX XXXX. Oh XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I attempted multiple times to get my correct current balance and pay my XXXX credit card online. The website said there was a " glitch '' and try again later. I tried to reset my password but that did not function. I called Comenity Bank, the number on the back of my credit card on both XX/XX/XXXX and XX/XX/XXXX and both days received a message that the bank was doing a planned update that was taking longer than expected and to call later, then it ended the call. 
My credit card is due today but the balance I have does not reflect hundreds of dollars in credits for returned merchandise. I do not want to overpay but I can't access my balance, or anyone to tell me the current balance. I should not have to pay interest and penalties when I have attempted to pay online and by phone for 2 days. 
I was unable to reach a live person at Comenity by phone. Although I tried for two days, their recorded message instructed me to try at a later time and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second attempt at resolving the issue. 

As I received a current Equifax credit report I noticed that they are reporting fraudulent inquiries from XXXX XXXX XXXX  cards I have never authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not contacted me in over 30 days for some and XXXX XXXX XXXX has contacted me stating that they are going to be removed. I have not seen any updates to Equifax. Both companies are not in compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices violating 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have send in two letters to update the incorrect information on my report. I have my certified receipts. It is now pass 30 days and know response or action to my request have been made. The bureaus only have 30 days to respond to your letter. If they don't respond in time, the items you disputed are supposed to get deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian that they are continuously reporting incorrect information on numerous occasions. Each time I send a notice they are responding that the information has been updated. If the information was correct the first time how are constantly updating incorrect information. I have been attempting to have this information corrected since XX/XX/2019. I received a notice XX/XX/2019 the accounts were updated. I was expecting Experian to do the right thing and properly investigate these accounts in the 30 day window which include : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Although, Experian claimed they investigated these accounts I received notices in a span of 15 days, there is no way that any of these companies have responded to the verification in this short time. I am filing this complaint to hold Experian responsible for reporting inaccurate information. My most recent dispute was sent and received on XX/XX/2019 and a response was received on XX/XX/2019 that accounts again were updated. If they are at all reporting correct information why are these accounts constantly being updated with new information.
Product: Mortgage

Called Dovenmuehle Mortgage on XXXX/XXXX/16 and requested to have our escrow account closed out since we were planning to pay the loan off shortly, and have the balance of XXXX sent to us, and was told that they had put a request in, and that it would take 15 days to process our request, and that they would then mail us a check for the remaining balance. What they failed to tell us, which we found out a few days later when we called in, is that they first had to send us a form to be filled out before they would even consider closing out our escrow account, and that it could take up to 7 days to receive the form. Although every time we called to check to see if the form had been sent out yet, and talked to countless supervisors, they claimed every time we called that the form had been sent out the day of our request on XXXX/XXXX/16. When we finally received the form over two weeks later though, it was postmarked for XXXX/XXXX/16, so had not been sent out on XXXX/XXXX/16 as they had claimed. Although we faxed the form to them to help speed up the process they still took several days to process the form, but finally approved our request on XXXX/XXXX/16, which is the date they are now claiming that the escrow check was mailed out to us. Although it is now XXXX/XXXX/16 we have still not received the escrow check, and doubt that it has even been mailed out yet, as this seems to just be another one of their delay tactics to hold onto our money as long as possible. And the only thing they will tell us when we call in is that if we 've not received our escrow check in 30 days that they will send another check, which is unacceptable. This is our money, not theirs, as it is from our escrow account. So we should not have to wait 2 to 3 months for them to send it.
Product: Credit card

XX/XX/year> I was sent a visa card branded by cash app in a yellow envelope. It also included a QR code asking me to download the app to begin using the card. I never applied for a cash app card and this is fraudulent activity under my name.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Credit Bureau Name ( TransUnion, Experian, Equifax ) Subject : Request for ReInvestigation and Verification of Information To Whom It May Concern, I previously submitted a request for investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) to All 3 Credit Reporting agencies XX/XX/XXXX regarding the following accounts : XX/XX/XXXX Original Creditor XX/XX/XXXXXXXX Account Number XXXX I recently received a response stating that the information has been " verified. '' I would like to understand the process used for this verification and request physical documentation supporting this determination. 

Under FCRA regulations, all reported information must be 100 % verifiable and accurate to remain on my credit report. I believe the All 3 Credit Bureaus has included unverifiable and inaccurate information, negatively impacting my credit score. If this erroneous information is not removed ( deleted ) from my report, I am prepared to take legal action.

I request that you do not update or re-verify this information without conducting a proper due diligence investigation. Please provide : 1. A written contract bearing my signature 2. Physical documentation supporting the validity of this debt ( screenshots or digital statements will not suffice ) This request is critical as my credit score is being unfairly affected by what I believe to be a reporting error. I kindly ask that you do not respond with a template letter but instead provide specific answers addressing my concerns.

Additionally, I would like to remind you of Dixon-Rollins v. Experian Information Solutions , Inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2010 ), in which consumers won cases against credit bureaus due to inadequate investigations. These rulings set a precedent that credit reporting agencies must conduct thorough and fair investigations.

I expect a written response within 15 days of receipt of this letter. If I do not receive a satisfactory resolution, I will take further action to protect my credit rights. 

Sincerely, XXXX XXXX
Product: Checking or savings account

US Bank advertised the opening of a new account to receive {$500.00} if the following requirements were met : Open account by XX/XX/XXXX {$100.00} Minimum Deposit {$5000.00} deposit within 30 days Enrol in online banking 5 transactions within 90 days. 

I completed all of these requirements and did not receive the bonus. I contacted customer service and they agreed I had met the requirements and opened up a case for resolution saying they would contact me upon completion. A month later I never received follow-up, so I called again, and received the runaround trying to say somehow I didn't qualify, when clearly I did, and US Bank had admitted as such in previous conversations.

I have copies attached of the offer terms and conditions. US Bank has my account information which clearly demonstrates fulfilling the terms of the offer. US Bank is attempting to bait and switch me, after giving me the runaround from customer service. The company is not acting in good faith.
Product: Mortgage

Our mortgage with M & T Bank started in XX/XX/year>. The escrow account started with a balance of {$890.00} and in XXXX ; years the balance was $ XXXX. I reached out to M & T 's escrow department, spoke with XXXX different supervisors and they refused to acknowledge their errors and created a financial hardship by unnecessarily increasing our monthly escrow payment from {$290.00} to {$420.00}. Before any adjustments were made on XXXX I requested to make a lump sum payment to our Escrow account so we could reduce the monthly Escrow amount. Customer service flat out said that couldn't be done. They have repeatedly cited requirements from the Real Estate Settlement Procedures Act ( RESPA ) but continue to violate these requirement themselves. ( never a negative balance, 2 month reserve and accurate yearly Escrow Analysis etc. ) We requested an XXXXOfficial ' release from our Escrow account and M & T denied it without merit or justification other than 'policy '. Because we felt the appropriate representative within M & T hadn't seen our request or given it full consideration we submitted a fully detailed and reasoned appeal requesting connection and contact from the deciding individual ( XXXX ). We received another corporate response with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting inaccurate and unauthorized accounts and inquiries on my consumer credit report.
Product: Credit card

I booked flights from XXXX XXXX to XXXX XXXX through my credit card, Chase, on or about XX/XX/2023 for an itinerary of XXXX XXXX to XXXX XXXX. I paid additional funds to choose my seats both ways and selected XXXX. No where obvious did it say that I was not guaranteed these seats. I was shown a seat map, much like I would have if I booked directly with the airline, and paid fees that the airline would charge. I thought my fees being paid through Chase were going to the airline for my seats. When I went to view my travel through XXXX on XX/XX/2023, I was shocked to see I did not have seats assigned to me. I was unable to select any seats, except for upgrade seats, which were only two rows ahead of where I initially selected and paid for through Chase. I was forced to pay {$250.00} to XXXX to get guaranteed seats, as I did not want to be booted off the flight at the worst, or at best, be seated in a seat where I would be unable to sleep on a red eye and ruin the first day of visiting with family. 

I then called Chase who stated that those seat selections are just requests, and they charge for requests. They refused to remedy their bait and switch tactic and after searching the internet, this seems like a common situation, customers pay for seats, think they have them, then show up to their flight and do not. 

Chase is aware of the problem, but have not done anything to remove the feature - or at a minimum, remove the payment requirement. 

It is a shady tactic, and if customers were aware, they would book their seats directly with the airline. XXXX is doing this to get more money in their pocket and then refuse to do anything about. They would not even refund me the amount I spent with them. 

This tactic is deceitful and common practice and they are fully aware that customers are often unaware their payment for seats is doing nothing except lining XXXX 's bank account. Forums are full of similar stories. 

Imagine if they did this with flights and let you book the flight for the full cost through them, but not guarantee your booking will go through.
Product: Credit reporting or other personal consumer reports

My experience with XXXX XXXX  has been terrible. They falsely reported a 30 day late, as well as a 60 day late for the month of XXXX and XXXX of XXXX. I contacted them and requested they review and confirm and then accurately report and remove the delinquencies which were effecting my ability to qualify for financing and placing me in a potential position to lose my earnest money deposit with the builder constructing my home. I spoke with several supervisors over the course of months, in attempt to resolve, one time after another ... each was friendly confirmed the inaccurate reporting and promised a solution. The first time they advised me would take up to 30 days to remove the inaccurate reporting. The supervisor from XXXX confirmed that they would remove both delinquencies across all three bureaus. She sent the request to their " credit reporting dept '' They confirmed that it should not have been reported late, as I had a balance of XXXX and the only amount on the card was a fee added from them which goes against company policy to report. Great, I thought it would be removed. Time passed they only removed one account off the three bureaus which they later added back on. They sent me a letter to confirm that they had updated it and the delinquencies reported would be corrected. Since this was not done properly. I called again, they said they didn't know why this happened. They said they would put a rush on it, apologized, and stated that they would remove the false reporting from all three bureaus again sent me a letter. The lender was able to use the letter to remove the false reporting thru a third party that completely what is called a rapid rescore however, XXXX added another late for a different month from XXXX of 2022 ( this was also false ). Then when the credit was eventually hard pulled, the false reporting for XXXX and XXXX of 2022 had been put back on there! I called them again and they said the same thing sent me another letter and then they removed one of the two delinquencies off of one of the bureaus. Then within days they re-reported the false negative information but, removed the XX/XX/2022 late they had reported but this time they added another false late for XX/XX/2022! I did not call them again however, a month later they removed the XXXX late. At this point XXXX and XXXX are reported accurately but XXXX and XXXX the originally false reported month are back on there and are effecting my credit. This is causing extreme anxiety and placing a huge XXXX deposit with this builder at jeopardy. Meaning, that I am outside of my financial contingency with them ( XXXX ) if I can not get this corrected in time, they are entitled to keep my deposit and will. I have the credit reports from most pulls to prove what I am saying is factual as well as the letters that they sent me.
Product: Credit card or prepaid card

Issue : Bank of America credit card payment fee distribution. I have a XXXX card with Bank of America. I have utilized the funds on the credit card three different ways. The three different usages of the funds from the card have three different levels of interest for the use of their funds. I agree with all of these facts. 

Today I called Bank of America to find out how the interest was applied to the three different percentages - on my XXXX statement only interest is shown but not which of the rates are paid first. 

Not to my surprise I was told the lowest interest rate was applied first and then highest last. So just like in the days the largest check was paid first so all the little checks caused for fee income - now the credit card interest is using the same tactics. 

I would like to see the highest interest rate payment applied first then the next highest then the lowest interest rate. This would have the funds with the highest interest rate paid down sooner than the lowest interest rate.
Product: Payday loan, title loan, personal loan, or advance loan

Dividend Finance sent us a copy of the Loan Application that my mother had signed. 
As we have stated before this was a predatory sale and loan. The XXXX sales rep sold my mother their 'top of the shelf " walk-in bath tub for {$23000.00}. The XXXX XXXX assisted with the loan application for the finance. Dividend Finance granted the loan to my mother who was living in a house that was on a XXXX Mortgage, she was deeply in debt, and was in XXXX XXXX Several days before the bath tub was installed my mother had an appointment with the doctor to look into XXXX. She went into hospital and never came out. 
My mother passed away in XX/XX/2023 leaving no will. Therefore we had to apply to the Court to be able to handle her affairs. Unfortunately we had to wait several months to have our probate hearing. I, XXXX XXXX, was granted Administrator of her affairs enabling me to find out more about this predatory sale/loan with the above companies. Dividend also charged us interest on the loan from the day she died to the day we were able to sell the property in XX/XX/2023. 

This was a loan that both parties knew she would not be able to pay off in her lifetime. She did not have the means to pay off this loan. There was also no consideration on the cost of her water bills which would be high in order to fill a very large tub. 

This complaint should not be Closed. My spouse, XXXX, initiated the complaint for me because I am an airline pilot who travels overseas so it helps if responses go to her email. 
I am more than happy to talk to someone to give permission for XXXX to communicate with you and/or send emails. Or I can talk by phone if need be when I am in the XXXX. 

Dividend have not provided all the information we have asked for. We are asking for a all documentation they used to determine that my mother was eligible for a {$23000.00} loan who I will repeat was on a reverse mortgage and deeply in debt and in XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several fraudulent accounts. I did not open these accounts, and they do not belong to me. These unauthorized accounts are negatively impacting my credit rating and my ability to obtain credit. 

XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$330.00} XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$190.00} XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$460.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$270.00}
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Experian the date last active is ( XX/XX/XXXX ) and on XXXX It's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed inaccurate. Account : XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer XXXX have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. Also 15 USC 1681i ( a ) 1, 15 USC 1681i ( a ) 6 ( B ) 3, and 15 USC 1681i ( a ) 5 ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED A FTC REPORT AND IDENTIFYING INFORMATION TO HAVE THE ITEMS REMOVED FROM MY CONSUMER REPORTS.