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

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX  Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint XXXXLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Credit card or prepaid card

Submitted a pre-approval request XX/XX/XXXX and was advised I would qualify for two different cards and was asked to apply. Completed application on XX/XX/XXXX and was advised I was denied for the card. 

Called and was told the reasoning was due to a prior or current account that was with them that went past due. I had a prior card back in XXXX that was then discharged through a bankruptcy ( Chapter XXXX ). It went past due prior to filing. 

The person advised the reason I was denied and only reason is due to this past due account. I then asked what is their time frame that I would then become eligible to reapply and that this condition would not count against me. I was told I could " apply at any time ''. I advised this doesn't make any sense given I just applied today and was advise I don't qualify due to this issue. 

I asked what is Discover 's policy regarding when someone who had an account that went past due would be eligible for a new account. I was told they don't have a policy and that I should consult a financial adviser. I responded this is not accurate information as a financial adviser would not be able to advise what Discover 's policy is and that this denial is due to their own policy not external. I was never able to get an answer. 

All I simply want to know is what is their policy. Its pointless for me to keep reapplying for a credit card with them and having a hard hit against my credit if I'm just going to get denied for an old account that was legally discharged. Its also very poor that someone would just tell you to keep reapplying without a consideration to the fact this hurts your credit with a hard inquiry or be able to provide a time line. Its rather insulting to be told there isn't a time frame when if I'm being denied because of this, it would logically mean there is one. Also if this is the ONLY REASON for denial as stated per the rep, it would typically mean there is a POLICY in place about this. As a consumer you should be able to be informed when asking about what the policy is in order to make decisions regarding your time and credit.
Product: Debt collection

Pursuant to 18 U.S.C 8, I owe no debt. This company is violating by consumer rights to privacy pursuant to 15 U.S.C 1681b ( 2 ). Company has also NO permission to report ANYTHING using my information pursuant to 15 U.S.C 1681 ( 4 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CRDMGMCOMP ( Original Creditor : XXXX XXXX ASSOCIATES ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED XXXX* US DEPT ED XXXX XXXX XXXX
Product: Mortgage

My mortgage account was with XXXX. It got transferred to Loancare because XXXX filed for bankruptcy. With XXXX, I had enrolled for direct withdrawal of monthly mortgage from my bank account. 

Loancare sent a letter detailing the new account number. The letter also had payment vouchers asking me to make the next mortgage payment along with the payment vouchers. I assumed my bank details are not transferred from XXXX to Loancare and hence they are asking me to send payment along with the voucher. 

After the above payment was made and credited to my mortgage account, Loancare sent me another letter saying that my morgage payment will be withdrawn from my bank. Apparently my bank details were transferred from XXXX to Loancare. I have tried calling Loancare customer service couple of times. After waiting for an hour on line, I gave up both the times. In the meantime, my bank account was debited for 2nd payment this month. I have sent them email ( including to C level executives ) requesting that refund of the 2nd payment because I need it to pay my other bills for the month. There is absolutely no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance in the arbitration process concerning my credit report. 

Credit Card Issuer : XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX Issue : The credit card account listed above was recently removed from my credit report by mistake. This removal has negatively impacted my credit score and overall credit profile. I believe this action was in error and is not in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a credit report must be accurate and complete. 

Consumer Protection Law : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccuracies on my credit report. Furthermore, Section 605B ( 15 U.S.C. 1681c-2 ) provides the right to request that the information be investigated and corrected if it is found to be inaccurate or incomplete. 

Request : I respectfully request that all three credit bureaus engage in an arbitration process with XXXX to resolve this matter. The goal is to reinstate the credit card account on my credit report if it is determined that its removal was unjustified.
Product: Credit reporting or other personal consumer reports

THE FOLLOWNG ACCOUNTS WERE OPENED FRADULETLY IN MY NAME AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOLLOWING INQUIRES DONT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. These accounts are also inaccurate. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acc.name XXXX XXXX XXXX XXXX XXXXXXXX acc.name : XXXX XXXX XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX 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
Product: Credit card

I tried to cancel a month to month membership with XXXX. I called the XXXX NJ location in XXXX where I purchased the membership for my grandson for XXXX. I was told I couldnt cancel it there because at the time there was no head manager. I cant remember his exact title. I was told I could go to another location but the closest one is a half hour away. I called their customer service number and they told me I would have to print out a form ( I dont have a printer ) and mail it to them. At that point I reported my Venmo credit card lost in order to get a new card number believing this would stop the charges. On XX/XX/XXXX I saw a pending charge for {$47.00} from XXXX. I called Venmo and told them I have a new credit card so how could I get charged when XXXX  doesnt have the number. I was told because it had been a recurring charge I still had to pay it unless the merchant stopped charging my card. I told them this was a month to month charge and I tried to cancel with the merchant. The Venmo supervisor kept calling it a subscription and I kept correcting him explaining it is a month to month payment, the merchant has no paperwork authorizing this payment for a specified time period and they had no right charging a card that the merchant was never authorized to use. They told me basically too bad and I would have to keep paying and disputing the charges until the merchant stopped charging my card. They also informed me that I may not win the dispute. I realize that the credit card company gets a percentage of every charge so they have a financial interest in continuing to process these charges. I feel this is a fraudulent practice and payments should be stopped if the merchant doesnt have the new card number. This practice should be illegal for credit card issuers or they should have to stop the payment once they are notified by the customer.
Product: Mortgage

Last XXXX, 2014, I was checking my Chase checking account balance online. To my surprise, I noticed a charge of approximately {$1500.00}, that was trying to be put through. Fortunately, it did not go through. I did not/could not identify who was trying to put the charge through. I called Chase, whom I bank with. I was told that they could not identify who was attempting to try to take money out of my checking account, without my knowledge. I assured them that I did not authorize the charge, and they assured me that the charge would not go through, and that they would reverse the service charge that I was charged. OK, problem resolved. Far from that. I have a mortgage, with my Father, on a piece of rental property that he owns. My Father is aging, and his XXXX, so I have been taking care of his personal/business affairs. To my surprise, I received the mortgage statement from the mortgage company that holds the mortgage/note on the piece of rental property. They were the ones that had tried to put through a payment out my account for a mortgage payment ; Chase Mortgage. I contacted them to see why they had tried to do this without my knowledge. They told me that they had contacted my Father, which my Father does not remember, and that he had authorized the payment, out of my account, that my Father does not have his name on, nor does he have any authority to withdraw any funds from. Chase Banking could not identify Chase Mortgage????? I contacted Chase mortgage to try to get this matter resolved amicably. I spoke with several representative from Chase mortgage, and requested that a resolution would be to forgive the approximately {$1500.00} that we were behind on our payments. They stated that they did not have the authority to do that, and to contact Chase corporate. They gave me the proper contact information, so I thought. XXXX, no response ; XXXX, no response ; XXXX, no response from Chase. I did receive a letter from a collection company in XXXX ; they said that they are an attorney 's office. If this is an attorney 's office, that explains a lot about our legal system. Over the next 2 months, they sent letters from numerous people, whom I tried to contact, with no response from them. Finally, I did get a call back, and was able to talk to someone, who assured me, that they were the contact person. I give him credit, Chase corporate, did get back to me. Their finding was that they did nothing improperly. Really ; the person that I spoke to in XXXX, after an investigation, stated that they acted improperly. The property is currently in foreclosure, which is a side issue. If Chase corporate had made an attempt to get this matter resolved, we ( us or Chase ) would not be in this situation. This explains a lot about why our banking system is in the shape that they are in. I do have all contacts, documentation, the contacts that I spoke with, and the dates. ( Chase, the collection company, and supposed attorney firm. ) How many other people has this happened to? How many other people have the means to pursue this? Worse then that, how many other people are not aware that they have been deceived?
Product: Money transfer, virtual currency, or money service

I made an online purchase to XXXX 's in the amount of {$24.00} on XX/XX/XXXX. Anytime I make an online purchase, I use my Paypal account and use my PayPal credit card to make the purchase. I triple confirmed that is the account I used to make the purchase and it was. Today, XX/XX/XXXX, I look at my bank account and see I am overdrawn almost {$43.00} due to PayPal putting the purchase through my bank account and the bank charging me {$30.00} for a NSF fee. I never authorized that. I triple checked the funds available on my credit card to make sure I had the funds to cover the purchase and I did. This is the second time this month it has happened. I was looking at my transactions on my PayPal account and discovered the authorization on the XXXX was Cancelled! I contacted the credit card company and they informed me, and assured me, it was either PayPal or the merchant that cancelled it, not the card company. I have contacted Paypal and they put the blame on me that I have my settings as prefer my bank account. I do IF i do not have the funds to cover a transaction. There was no reason for the transaction to go through my bank. If I wanted that, I would have chosen my bank instead. I did not have the funds to put it through my bank hence I used my credit card. They are not helping me at all. They are still placing the blame on me and how I have my settings. This is not how you treat customers during a pandemic when they have no funds coming in and are trying to survive on the little money they do have.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on XXXX XXXX. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by JD Byrider/ CNAC 's, a complaint was made to Attorney General 's office. Again, JD Byrider requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and XXXX  with no resolution on XX/XX/XXXX. On XX/XX/XXXX, XXXX  replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.
Product: Checking or savings account

On XX/XX/XXXX, I received a call from Synchrony Bank- a bank I do business with. The representative asked my security question to verify my identity, and I said that I would not answer, and would call the bank directly myself. When I did so ( within 5 minutes of the call ) I was told that the call was legitimate, and they wanted to know if I added an external XXXX XXXX account to my Synchrony acct- which I absolutely did not. They then asked if I also attached a Green Dot bank external account- again, I absolutely did not. I was told that TWO transfers, each in the amount of {$30000.00} were made from my account- one on XX/XX/XXXX ( the day of the call I received ) and another on XXXX XXXX for a total of {$60000.00}. I was initially told the XX/XX/XXXX transfer could not be stopped, but it was. HOWEVER, the XX/XX/XXXX transfer could not be stopped. 

I have not, for many years, made withdrawals from this account. I have XXXX account attached to it, from XXXX XXXX XXXX  Bank. Each month for many years, I make a monthly deposit of {$200.00} to keep the account active. Each month, for years, I would receive an email from Synchrony Bank, informing me when my {$200.00} transaction was initiated, and when it was finalized. I received NO NOTIFICATION when not only a new external account was attached to my Synchrony account, but when transfers of {$30000.00} were made. How, in this time when fraud is rampant, does this happen? WHY was I not notified? 

As per Synchrony, I filled out and submitted affidavits of dispute of these transfers, and sent them via XXXX on XX/XX/XXXX, and they were received on XX/XX/XXXX. 

Since that time, I have had only one phone call from them, to confirm that the XX/XX/XXXX transaction had indeed been canceled but not the one for XX/XX/XXXX. The representatives I speak to have told me XXXX different things : that the investigation would take XXXX business days ; that the date to resolve this issue was XX/XX/XXXX ; and that there IS NO TIME FRAME. 

On XX/XX/XXXX, I logged into my Synchrony account to find that a provisional credit was issued. In my notifications section, there was a document stating as such ; it also said that if it turns out there was no fraud, they would take the money back. 

Please note that I received NO phone call regarding this provisional credit ; if I didnt log in to my account ( and have been daily ), I wouldnt have been aware of this until I received the same document by XXXX mail a week later. 

I called again on XXXX, and again, received no concrete information regarding when this investigation would be completed. I do not feel that the bank is doing anything to expedite this matter and return my money. I have given them the opportunity to rectify this, but each time I call, it is clear there is no sense of urgency to resolve this. 

I have a log of each time I have spoken to them, the time of my phone calls, and the duration of each call. I am a retired woman on a fixed income, and because of this issue, my account is restricted. Filing a complaint is clearly the only way to get this resolved.
Product: Mortgage

In XXXX time frame last year my Home Owners insurance was cancelled due to the policy not being paid by my Mortgage Company ( M and T Bank ) . I had to submit a CFPB complaint in order to get them to respond to this cancellation. At the end the resolution stated " We have removed the XXXX XXXX XXXX  ( XXXX ) from the account and covered the insurance lapse from XX/XX/XXXX to XX/XX/XXXX at no additional cost to you ''. However, I am now seeing a line item in my Mortgage statement in the amount of {$2500.00} under XXXX XXXX in my XXXX statement. I called in tot MTB to find out why this is being charged back to me and all I keep getting is " you can not go without insurance so the XXXX was paid from your escrow ''. I keep on getting bounced from the insurance department to the customer service department explaining tot them what transpired in XXXX in regards to my insurance but they are not understanding. I have stated to them that I have a letter from " XXXX XXXX '' stating that they would cover that cost and they keep saying that there is no way that they would pay for that. I have also asked for an account review and have received a response from them stating why I'm being charged for the XXXX but they are not taking in to account the resolution from XXXX XXXX XXXX who I worked with last year to resolve this matter. This matter was resolved by XXXX XXXX after a CFPB complaint ( XXXX ) was submitted due to this issue. Since I am now being asked to cover the XXXX cost after they stated that they would cover the cost for XXXX from XXXX to XXXX I am having to submit yet another CFPB complaint for them to make my escrow account whole again. 

Also, last year when this issue happened an escrow analysis was done and an approximate amount of {$1300.00} dollar check was sent to me for overage escrow funds in my account and my payment was changed from {$3200.00} to {$2200.00} this happened in the XXXX time frame, now they have sent me yet another escrow analysis where they are stating that my escrow is approximately {$8000.00} short and have increased my mortgage payment again to XXXX again in XXXX. This makes no sense on why they would lower it in XXXX when this issue happened and then turn around and raise the mortgage again due to their inability to maintain an escrow account with the correct funds. 

Attached is the last CFPB complaint along with my mortgage statement outlining the hazard insurance payment from my escrow account and the letter provided by XXXX XXXX XXXX from M and T Bank.