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

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$25000.00}
Product: Money transfer, virtual currency, or money service

Hello My bank account was suspended by Wise Bank. When I appealed so they informed me that the account could not be reactivated however they asked for a different bank account on my same company to transfer the stuck amount. 

The transfer was applied on XXXX XX/XX/year> but still, so far we have not received our amount from our other bank which is XXXX XXXXXXXX XXXX. 

My company name is : XXXX XXXX Account : XXXX Routing : XXXX Wires : XXXX Please kindly help us recover the amount. 

Regards XXXX
Product: Debt collection

In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of America in the amount of {$840.00} on my XXXX credit report for XXXX reasons. First it is a medical debt ; second the collections company is knowingly reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 XXXXXXXX XXXX
Product: Mortgage

My mortgage account was in forebearance due to covid19 since XX/XX/2020. Back in XXXX we contacted our mortgage company and advised them that we were ready to continue making payments ; however, the online payment system would not allow us to make payments and when we contacted US Bank we were then informed by a representative that we needed to apply for a partial claim and submit the signed documents they would be providing. On XX/XX/2020 we received the first package and we signed them, got them notarized and sent them back. Since XXXX, we have alredy submitted six signed packages because every package gets denied with a new reason that was not previously stated. It seems that US Bank is deliberately denying our partial claim documents and is not accepting our payments. The packages have been denied because first we were told that the notary did not property print their name, then that the package was not received on a timenly manner when we have the tracking numbers showing when the documents were received. Then we were told that our case had been closed and we had to reapply which we did again. Then we were told that our signatures were not legible and we needed to print our names. Then we were told that the notary stamp was overlapping and lastly today we were told that our signatures didn't match the printed name. I have called Headquartes, spoken to superviors and send emails and no one is looking into our accounts and time is going by and our account is in default. US Bank accepted two payments for XXXX and XXXX while the documents got accepted. Since the documents keept being rejected US Bank is no longer accepting our mortgage payments until they get accepted. As previously mentioned, all we want to be continue making our mortgage payments and no longer be in default. I don't know where else to turn to when we keep following their instructions and yet, they continue to reject our documents. So far our experience with US Bank has been a roller coaster ride and we need help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$9000.00} XX/XX/XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had account back in XXXX. Than they closed my account saying I owed over XXXX XXXX from years back without explanation. So I think something was wrong. Now this is between XXXX  and XXXX  would like to resolve this matter. Thank you.
Product: Mortgage

I had 2 deferrals due to impact of corona virus each of 3 months starting payment of XXXX till XXXX. I needed to cancel the deferral and refinance with another entity so I called the bank of America XX/XX/XXXX to cancel the deferral they told me I have to make XXXX payment to cancel it which I did, they took the money and misleadingly put it towards future XXXX payment. 
I called again on XX/XX/XXXX to double check I'm not on deferral they told me I have to pay the deferral amount which I did a total of 6 months. 
I call them every day spend 7 hours every days for 10 days now to stay on hold and they transfer me to different people but still they do not apply 2 months payments I believe they did that to prevent me from refinance to another bank. spoke to managers I have names, made complains they keep telling me its not in their hand. 
I keep paying fees for extension of the loan closure that I have with the new lender and the lock date is XX/XX/XXXX I feel I'm taken as a XXXX they had their money from XXXX of last month I keep paying for fees everyday and they keep making interests on my money. 
they promised me to apply the payments 4 days from the XXXX but they didn't. 
please help me switch my lender its affecting my life and my family.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
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

I have tried to get Experian 's help in correcting a error on my credit report on at least 4 different occasions. As late as today ( XX/XX/XXXX ) I again received from Experian their statement that my credit report is correct ( one of their XXXX comments that their position was correct was their comment that it was confirmed by the company who placed it on my report. ) That is a XXXX comment, because the missing item on my credit report is a chapter XXXX bankruptcy filed and discharge in the XXXX XXXX US Bankruptcy Court ... ... .NOT A COMPANY. i CONTACTED THAT COURT AND OF COURSE they informed me they do not contact the credit reporting agency, they respond to calls from the latter. 
Summary : I filed a Chapter XXXX bankruptcy which was dismissed by the US Bankruptcy court in XXXX, TX. I then filed a chapter XXXX in XXXX XXXX which was eventually discharged in XX/XX/XXXX. 
Since I have done all I can do to get Experian to correct my credit report to no avail, I have decided to file this complaint and to then, next week, file a suit against Experian under the auspices of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian Report Number XXXX, XX/XX/2018 and I included a consumer statement to be placed in the file. 

Received the update credit report and no reference was placed in the file to my consumer statement. Their management, supervision and follow up is very poor at best. 

They are more concerned with signing you up for fee based services than correcting errors. When you call their number their messages while on lengthy holds are allow about selling you services. 

The legislature needs to remove the loop holes in the law that allows them to operate in this fashion. Thank you for look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted : XXXX XXXX XXXX XXXX # XXXX to ask to provide more information about a debt of {$860.00}. They never did. 

Ccs Collec : XXXX to ask to provide more information about a debt of {$220.00}. They never did. 

Unauthorized Inquiries : XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also : I made complaints : 30 days ago with all three credit bureaus XXXX , XXXX and Experian . I have not heard anything back about these negative inquiries are derogatory creditors.
Product: Credit card

This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???
Product: Credit card

I upgraded my XXXX AmEx Platinum card to Reserve on XX/XX/XXXX ( approved XX/XX/XXXX ) ; I received a new account card on XX/XX/XXXX that was the wrong color ( purple when I expected silver ). I activated the card thinking it was the correct reserve card and then saw 2 different reserve cards ( silver and purple ) in my online app. I called American Express to confirm that I only had 1 reserve card and they said their records show both a new account and an upgraded card ( upgraded card to the existing platinum account opened XX/XX/XXXX, new account opened XX/XX/XXXX ). I explained that AmEx was authorized only to upgrade the Platinum card and was not authorized to open a second Reserve card. I believe this was a technical error at AmEx that they are looking into but am concerned that ( 1 ) if a systemic issue this could be influencing other citizens and ( 2 ) without a federal report this issue will go unresolved. My original report made on XXXX did not make it to the fraud group and the original agent said to expect 1-2 billing cycles to be resolved, which seems long. The 'official " fraud report ( filed today, XX/XX/XXXX ) may take 30-45 days ( again, seems long ). I am concerned that this duplicate card issuance has already impacted my credit score and have requested that AmEx ( 1 ) remove the incorrect account created in XX/XX/XXXX to the effect of it never having existed, ( 2 ) make internal notation that this error should not affect my AmEx standing in any way, and ( 3 ) contact credit reporting bureaus to ensure this issue is entirely resolved ( removed from credit history with no negative impact on my credit ). Thank you to CFPB for assisting with this case in any way you can.
Product: Mortgage

I wanted to refinance our home with the same company NewRez for the same property address. We started the process for refinance in XXXX of XXXX by XXXX XXXX XXXX loan officer. The appraisal was done on XX/XX/2020 with loan number XXXX. XXXX XXXX rewrote the refinance loan documents four times. In XX/XX/2020 the documents went to the processor XXXX XXXX. She was working on a special CEMA mortgage tax document. This document was designed to save on the mortgage tax that was already paid on our property.. She had me sign closing documents electronically for the closing that was to take place on XXXX XXXX, and a payout date of XX/XX/2020 on loan number XXXX. She also told me to stop the automatic withdraws out of my checking account for the XXXX Mortgage payment on the old loan and I would not have to pay it because she said we were closing and this was already calculated in the payoff. Then I found out that XXXX XXXX left the company. .Documents go to XXXX XXXX , another processor in late XXXX. She sends to underwriting and she told me that we will close in XXXX. Then I find after I call XXXX she tells me that this loan is not a priority and it was put on the back burner.. In XXXX the documents were sent to XXXX XXXX She tells me that the appraisal is expired and we need a new one and the rate lock of XXXX is also expired and will not be honored. XXXX is charging me for another appraisal and increases the closing cost from XXXX to over XXXX dollars and we are not closing for at least another twenty days bringing us to the middle of XXXX, and of course we have not closed as promised. According to the XXXX  what NewRez did to me is a crime.. Which includes : violation of trust, misrepresentation of product or service, fraud, deceit and lies.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I quickly realized that I have become a victim of identity thief! Many accounts were established in my name without my permission or consent! I sent the all the supporting document needed to the credit Bureaus and I didn't get a response!
Product: Checking or savings account

On XX/XX/XXXX at XXXX pm, I received a notification from Chime via text asking me if I tried to use my chime card for Apple.Com/Bill for {$99.00}. Within XXXX minute I responded " no '' and per the response message, the transaction was blocked. I reviewed my account right away and within a XXXX window, there were ( XXXX ) {$99.00} charges to XXXX and ( 2 ) {$19.00} charges to XXXX totaling {$930.00}. I immediately contacted Chime Support @ XXXX ( XXXX pm call was XXXX minutes ) and was advised that this was indeed suspicious and directed to call back as soon as the charges were no longer pending we would file a dispute. 

On XX/XX/XXXX @ XXXX am I contacted Chime at XXXX ( call duration XXXX minutes ) to formally dispute the charges. I was advised that the review process could take up to 90 days, but that should this take more than 10 days I will receive a credit for the amount being disputed. ( Regulation E. ) Dispute Number XXXX - within XXXX hours ( XXXX pm ) I received an email from Chime stating that the final determination regarding my claim has been denied, based on their investigation no error occurred and that no funds will be credited back to my account. I contacted Chime again and was advised to upload screenshots of the text I received from them asking if I made the charges to XXXX on XX/XX/XXXX along with screenshots of my XXXX Bill. This was sent via email to Chime Support @ XXXX pm. I called back to customer support and confirmed that this was received and the review process was being started. I requested any and all documentation that they used in this determination to be forwarded and received a generic email back stating that I will receive this within 10 business days. At XXXX am this morning ( XX/XX/XXXX ) I received an email from Chime stating that my request to reopen my claim has been declined due to not providing them with any additional information. I originally forwarded exactly what I was told to send and then followed up and called to confirm they had received this. 

This needs to be reviewed properly and there is no other determination other than Fraud as I did not make these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans I had in XXXX. These loans have been put on my reports under different names and removed for more than 10 years. I have let each credit bureau know that these same loans keep getting put in my report under different names. Now they are under the name of XXXX XXXXXXXX XXXX ( XXXX ) and Experian, XXXX, and also XXXX will not remove them. They have been disputed over 15 times and have been paid off. This account should be removed because it has been removed under every other name. The account is over XXXX XXXX XXXX. These accounts are 4 accounts on each report and have been paid off and should have been removed years ago. Loans originated in XXXX and went into collections in XXXX. I have disputed this with the credit bureaus and XXXX  XXXX XXXX for the past 5 years with no resolution. 


Also on XXXX there is an account called XXXX XXXX that has appeared on reports multiple times under different names that has been removed by all of the credit bureaus and XXXX is the only bureau that hasnt removed it. It is for {$180.00}
Product: Debt collection

A collection agencies under the name Phoenix Financial Service appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.
Product: Debt collection

I have contacted XXXX XXXX via letter and phone call requesting a copy of the agreement or contract bearing my signature to validate the debt is indeed mine. They responded with a system generated letter. Stating my request was too vague in nature signed by a XXXX XXXX. I replied back via letter again requesting documents to verify the debt is mine. No reply this has been in excess of 90 days and I have sent 3 different letters. 

I also called to speak with XXXX XXXX to ask how was the truest too vague I was informed that she has no worked for XXXX XXXX in years. Due to failure of verification request removal and deletion of debit for all credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to a used car dealership, and the salesman told me they was only going to run my credit report one time an when i check my report multiple credit pull.