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

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Your Information : Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX Reporting Agency Name Experian XXXX XXXX XXXX  Account Number XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed under XXXX XXXX XXXXXXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off XXXX have been reported inaccurately due to a lack of proper verification. 
XXXX. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor Provid not substantiate its accuracy, that it be removed from my credit report.

Action Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX  XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX  XXXX XXXX that it was NOT XXXX  who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years. 

I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid. 

I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.
Product: Checking or savings account

XXXX  XXXX  and Chex System are reporting some fraudulent account on my credit file/report. Here are the list of fraudulent accounts : XXXX XXXX  : XXXX XXXX XXXX OH-WV : XXXX XXXX  XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am the independent administrator to my fathers estate, I opened a Estate account through XXXX XXXX  XXXX for the purpose of receiving the wire funds from the sell of my fathers home. I received the wire to the estate account at XXXX XXXX XXXX Last week on XX/XX/year>, the wire cleared on XX/XX/year>, I then visited XXXX XXXX XXXX at a local branch and did a wire transfer from the estate account at XXXX XXXX  XXXX to my personal account at Navy Federal Credit Union on XXXX. The execute wire to my personal account then cleared on XX/XX/year> and everything was fine until I went to make withdrawals. I went to XXXX branch and they were not able to give me the initial amount I asked for so I had to go to another Navy federal Branch to make an additional withdrawal and still was unsuccessful on getting the amount I desired, so I had to go to another Navy Federal Branch and that's where I learned that the previous branch I had visited that same day flagged my account and my account has been frozen since that day of XXXX and here we are on XX/XX/year> and I still do not have access to my account because they are saying that they are still " verifying '' the wire. I was initially told at the XXXX branch that informed me that my account ad been frozen that it would only take XXXX business days and here we are an entire week later and I still don not have access to My Funds Nor MY account and every time I call Navy Federal Customer Service I have yet to get a clear picture on what's going on or any real help or updates. I am EXTREMELY disappointed in the treatment I have received from Navy Federal Credit Union and its poor customer service. I also advised them that I have bills that are now past due because of this whole thing that they created and stuff that is possibly going to collections due to me not being able to access the money that is rightfully mines, I have been treated unfairly, discriminated against and Demand them to REALSE MY FUNDS AT ONCE!!!
Product: Mortgage

I applied for a mortgage with my existing company, Norcom Mortgage, in XX/XX/XXXX and the credit report pulled at that time did not show any mortgage late payments. Due to property availability issues, my credit had to be pulled again in XXXX, this time Norcom reported XXXX, separate 30 day late payment marks on my credit report. Obviously, this came as a surprise to me as two months earlier, there were zero late payments reported. The late payments show up starting in XX/XX/XXXX and run all the way up to XX/XX/XXXX. I have bank statements that show every payment made to Norcom Mortgage from XX/XX/XXXX to today 's date - all of which are NOT 30 days past due. I have tried to resolve this with separate calls to Norcom to have my credit report updated so that I can get a new mortgage, but nothing is happening. It is impossible for me to be approved for a mortgage now with this happening. This puts me in a very difficult situation because now that Norcom pre-approved me to buy a new house, we have since listed our existing home for sale - and have a contract for someone to purchase this house, as well as we have entered into a contract for us to purchase a new home, believing that we have the green light to do so. Now, unless this is remedied quickly, I am at risk of losing both the sale of my existing home and the purchase of our family 's dream home.
Product: Mortgage

Wells Fargo talked me into making bi-weekly payments on my mortgage. I noticed that the interest on my loan was only adjusted " monthly ''. When I called and complained, I was told " that 's how we do it ''. So ... they talked me into holding my money for 2 weeks while " they '' accrue interest on it. I feel that possibly thousands of people, like myself have been talked into this scam. We should all get credit for interest lost and compensation for their scandalous actions.
Product: Debt collection

Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported an account of mine as a charge off. I have proof from XXXX sub company ; under the same company as XXXX, XXXX stating that the account was settled in full. I have disputed this account numerous time to change the wording from charge off to paid in full however they wont change it. I am an XXXX XXXX Soldier  that has been refused a security clearance due to the wording on this account. This is affecting my livelihood and my career.
Product: Debt collection

On XXXX XXXX, 2016 I called into XXXX home security and made a payment in the amount of {$70.00} they advised because I made a month payment for my home security system that they would continue my contract and service. After making the payment it was agreed that they would accept the balance on my account in the amount of {$190.00}. I never knew they disconnected services and transferred the account to Focus Receivables after receiving payment and agreeing on balance of {$190.00} to be made payable on XXXX XXXX, 2016. I spent more than an hour making arrangements and also making a monthly payment. They took money on false pretense advising that they were going to continue services when they actually discontinued service and sent account to collections after making agreement and receiving money. I am disputing the collection attempt after payment was made and arrangements were also done as agreed. XXXX continues to receive money advising customers that they will do certain things and do not XXXX has a poor customer service making arrangements and taking money when they should assist and stop sending accounts to collections when they has already made payment arrangements with their customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Account Number XXXX i just received a copy of my credit report. I noticed that you are reporting this account incorrectly. The payment summary is not accurate at all. The following dates are reporting inaccurate, so for the year 2024 for EXPERIAN is reporting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX as DATA UNAVAILABLE. XXXX is reporting XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX shows DATA UNAVAILABLE except XXXX and XXXX shows PAID ON TIME but, XXXX shows DATA UNAVAILABLE. XXXX shows the same as XXXX so therefore this inaccurate credit reporting. According to the FCRA I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor  they stold me all my information and make lons and i have problems now
Product: Mortgage

I closed on a mortgage refinance ( XXXX XXXX  ) on XX/XX/XXXX. As part of the closing, the closing company ( XXXX  ) sent a payment of {$1100.00} to the XXXX  of XXXX for XXXX XXXX property taxes out of the closing costs that I paid upfront to XXXX, leaving a " cusion '' of {$1000.00} in my escrow account. 

Within a month of closing, my loan was sold to Chase bank. That same month, Chase bank erroneously used the remaining funds in my escrow account to send a duplicate payment to the XXXX of XXXX for XXXX XXXX taxes, causing my escrow acccount to go negative. 

Now Chase has completed an escrow analysis and indicated a shortage, which is largely the result of not carrying over the escrow balance into XXXX as they should have done. Chase has now increased my monthly payment by over $ XXXXmonth to account for the shortage. 

They are claiming that it is my responsibility to request that the XXXX of XXXX refund the double payment to me, which I must then pay to Chase toward the escrow account. As the XXXX of XXXX has already applied this double payment to my XXXX XXXX taxes, this does not seem like a likely scenario. 

Chase made the error, and now I'm supposed to either pay for it or jump through hoops for the slight possibility of getting it corrected. In the meantime, I was warned that if I do not make the payment for XXXX, which I have disputed, I face late fees and negative credit reporting. 

At a time where consumers like myself are facing unprecedented financial hardships, we should not have to bear the burden when a global megabank makes an error. The threat of additional penalties just adds insult to injury. Chase must take whatever steps necessary steps to correct my payment ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my rights under the Fair Credit Report Act. Equifax has XXXX XXXX XXXX XXXX XXXX three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax regarding validation of debt by XXXX XXXX XXXX , XXXX of XXXX, Texas. Received correspondence that the account was validated. However, when contacting XXXX XXXX XXXX for additional information by certified mail on XXXX XXXX, 2017 ( XXXX ), the company stated that they were unable to locate the referenced account. I provided them sufficient information regarding the account. How is it possible for Equifax to validate an account if the organization can not locate my account? Also XXXX XXXX XXXX, XXXX per their correspondence and the Texas Finance Code 392.101 does not have " Active '' status to engage in debt collection in the State of Texas. The law specifically state that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) the bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. The bond must be in the amount of {$10000.00}. During this time period XXXX XXXX XXXX XXXX has not been in a " Active '' but rather a " Cancelled '' status which removes the company from pursuing any alleged debt in Texas thus making Equifax in violation of Metro 2 compliance by validating a debt that is not collectible in the first place. I 'm requested that the five derogatory accounts be deleted from my credit report.
Product: Vehicle loan or lease

Hi I sent M & T bank a right of recession notice and they are telling me they cant send me the proper form or disclosures. They informed me that I have to print it out or contact a lawyer. I was miss informed about the proper disclosures of a credit transaction and they have collected {$500.00} each month from me. And according to 15 usc 1635 they where suppose to respond within 20 days and return any money or property following rescission and I havent received anything or a respond. I had to call and find out about the information I disclosed. The contract they sent was very hard to read I had to send copies in different directions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

hom it may concern I have these closed accounts with XXXX XXXX XXXX Closed on XX/XX/XXXX & XXXX XXXX XXXX Closed on XX/XX/XXXX. XXXX agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Product: Credit card

Chase Credit Card services - I made an online purchase for a catering order. Hours later there was an automated text from Chase saying there was a suspicious charge on my card ( the catering order ) and asked me to respond 'Yes ' if I did make the purchase/authorized. I responded 'Yes ' and the computer immediately responded that it would then be authorized but that I might need to contact the vendor to run it again. I contacted the vendor the next day and they said the card wouldn't run. I contacted Chase and they said there was fraudulent activity on the card so they shut it down and will be sending out a replacement card in 6-8 business days. I explained there WAS no fraud and that I appropriately responded to the automated fraud alert. The response was 'there 's nothing I can '. Now I have to wait for my replacement card to come and take hours to redo all my auto payments with the new credit card number through no fault of my own. No offer of explanation for the closure or any kind of offer to make up for their error.
Product: Credit card or prepaid card

Team, I bought a {$100.00} Apple gift card at XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/2023 at XXXX. When we tried to redeem the gift card at the Apple store on XX/XX/2023, we found the gift card was already whited out. The Apple store representative told us that the card has a {$0.00} balance and it was already redeemed on XX/XX/2023. The Apple store asked us to contact the XXXX store for a refund. But the XXXX store is asking us to contact Apple for a refund. After repeated attempts, we decided to file a complaint and reported the incident to the local law enforcement agency and to the Federal Trade commission. Apple team shared the email id to share the complaints. But the XXXX team handled the case unprofessionally. My calls to XXXX support contact number XXXX XXXX XXXX was disconnected intentionally thrice on XX/XX/2023 during XXXXXXXX XXXX PST to XXXX PST. The support team was not ready to share the support email id to share the complaints. 

I am expecting refund of {$100.00} from Apple or XXXX. I received an email from Apple that the refund needs to be claimed from the retailer ( i.e, XXXX ). I also received an email from XXXX that the refund needs to be claimed from Apple. 

XXXX case number XXXXXXXX XXXX  guest relations contact number XXXX XXXX XXXX GiftCard support team on this contact : XXXX ( XXXX, CT ) This scam has been reported online on XX/XX/2023 but why has no action been taken by XXXX  to remove the Apple gift cards from their storesXXXX XXXX XXXX? XXXX
Product: Vehicle loan or lease

We had XXXX XXXX financed with USAA and insured by USAA. Car was totaled XX/XX/XXXX ( as it happens, by another USAA member ). Notifed ins co XXXX. Notified bank XX/XX/XXXX. Ins claim dragged on through inept behavior by USAA 's inhouse ins adjuster - not returning calls, not answering phone, in an attempt to play out the clock. They towed car to XXXX   immediately, then back to XXXX XXXX, then back to XXXX  ( 200 miles +/- ) I complained to CEO of USAA stating that the loan was not past due ( due on XXXX XXXX ) but would be soon if they didn't DO THEIR JOBS. On XX/XX/XXXX, a woman named XXXX ( employee number XXXX ) called back saying she is from the CEO 's office. She was vicious. I explained that USAA HAS the vehicle and we're waiting for their insurance company do do their JOBS and pay the claim. She said she didn't care - we have to pay it anyway. I told her no There were 'words '. I hung up on her, told her to stop communicating. She continued to call every other day after that. The insurance company notified me that they'd issued electronic credit to pay off the vehicle on XXXX XXXX. The calls kept coming anyway. USAA informed me that they hadn't credited as of yet. They held the money for many days before showing it credited ( they backdated it to accomplish this ). This appears to be fraud. I have in my possession, a letter claiming we're in default, dated XX/XX/XXXX, and a letter from USAA dated XXXX XXXX stating loan was paid in full. I have emails if you wish them, proving that they received funds on XX/XX/XXXX. 

This is nothing short of mean-spirited harassment and refusal to work with a customer.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the certified letters I sent on XX/XX/2023, regarding the inaccuracies in my credit file and the violations of consumer reporting laws. Despite my previous attempts to address these issues, I have received a report back with my name incorrectly stated on every page, indicating a failure to rectify the situation. 

As previously stated, your agency has continued to furnish my consumer report with inaccuracies without proper written instructions from myself, a direct violation of 15 USC 168lb ( a ) ( 2 ) and FACTA Title 1 sec . 151. These actions have resulted in significant injury to myself and my family, both financially and in terms of reputation.

Upon reviewing the report I received, I discovered that the inaccuracies persist, with my name being incorrectly stated on every page. This further exacerbates the already concerning situation and highlights a failure to address the issues raised in my previous correspondence.

I reiterate my formal request for the removal of all inaccuracies within 30 days of this communication, dated XX/XX/2023. This includes the deletion of incorrect names, addresses, telephone numbers, inquires, and employers. Additionally, I demand that my name be correctly reflected on all pages of the report. 

I have enclosed copies of my state-issued identification and social security number to validate my identity once again. It is imperative that these inaccuracies are rectified promptly to prevent any further harm to my creditworthiness and financial well-being. 

Despite my previous attempts to rectify these issues through certified mail, there has been no response from your company within the agreed upon 60-day timeframe. This lack of communication is deeply concerning and further underscores the urgency of resolving these matters promptly. 

This letter serves as a continued formal complaint and a demand for compliance with consumer reporting laws. Failure to address these issues and provide a satisfactory resolution will leave me with no choice but to escalate this matter to relevant regulatory authorities. 

I expect immediate action and communication regarding the resolution of these discrepancies.