23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Several unauthorized transactions from XXXX were posted against my debit card on XX/XX/XXXX, {$17.00}, XX/XX/XXXX, {$16.00}, XX/XX/XXXX, {$48.00}, XX/XX/XXXX, {$53.00}, XX/XX/XXXX, {$100.00}, XX/XX/XXXX, {$100.00}, and XX/XX/XXXX, {$100.00} for a total of {$450.00}. I do not have an XXXX account. First, I notified the Direct Express Customer Service and notified them of these fraudulent transactions. The customer service sent me a questionnaire for fraud - SR Number : XXXX and I filled out and returned to them. On XX/XX/2021, I received a form from Direct Express that they were starting the investigation. On XX/XX/2021, I received a letter from Direct Express that they completed their investigation and they could not confirm that fraud occurred and a number was provided XXXX XXXX XXXX XXXX if I wanted to receive the documents they used to make their determination. XXXX enclosed ). In the meantime, I spoke to XXXX Customer Service ( Case ID : XXXX ) and they provided me with the charges and they could not refund because it was past the 60 days timeframe. Note I did start this within the 60 days with Direct Express. After this Apple letter, I talked to Direct Express Fraud department and she requested me to write a letter to the Fraud department of the investigation and request to reopen the case and I do so. I received a letter, XX/XX/XXXX, that they had closed the investigation. Not sure if they dropped the ball and didn't follow through. Recently, I called XXXX with my friend and talked to an XXXX associate and she stated she could see the charges and they did not relate back to me, but she couldn't provide the information to who made the charges. Also, she didn't see where the bank had investigated. So here I am {$450.00} short out of my social security XXXX {$840.00} a month ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This just proves that XXXX Credit Bureau is lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reviewing my Credit Report and noticed that the Credit Bureaus continued reporting the unauthorized inquiries without sending me any proof of verification. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, TransUnion is required by the FCRA to follow up with the creditor. I need the following inquiries deleted completely from my Credit report as soon as possible! 

XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  - XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Ive recently looked over a copy of my credit report and noticed multiple inaccuracies on my account. This account is hurting my ability to elevate in my credit journey. It is to my knowledge that you will investigate these things for me and ensure accuracy. This is said account name and number. 
XXXX XXXX XXXX XXXX
Product: Credit card

I opened a Capital One credit card in XX/XX/2024. I used the card for cash advances totaling over {$1500.00} where the credit limit is {$3000.00}. My bill was promptly paid ( {$1500.00} ) minus other fees by a third party and because of the third payment Capital One locked my card. I have a current balance of a little over {$100.00} and had to upload front and back photos of my ID several times ( est. XXXX ) before it was accepted. I was initially told that uploading my ID was all that was needed and that the payment would have to clear, which it did within XXXX hours. Thereafter Capital One wanted to do a XXXX party verification with the person who paid my bill even though the payment cleared the bank and was posted by Capital One already on XX/XX/2024. The payee feels uncomfortable with this process of being on the phone with a company she doesn't do business with AFTER her payment was cleared and received but attempted to go through the verification twice absent resolution because of her bank not wanting to do such verification to Capital One 's standards. I have asked Capital One for an alternative resolution to unlock my card which I only used for a single payment cycle and is current. They have given me none. The payment due was {$29.00} on an outstanding balance of over {$1600.00} and I have spent hours on the phone trying to resolve this issue.
Product: Mortgage

Due to a financial hardship when I purchased and had installed a new furnace I requested a loan modification in XXXX XXXX through XXXX ( XXXX ) with IndyMac Mortgage Company. IndyMac requested from me the same documention and information over and over again, with no resolution as of XXXX XXXX. Due to the financial hardship my mortgage was behind by XXXX payments. Upon sending my XXXX payment which was late the payment was returned. The lender was not working with me, would not accept my payments and by XXXX XXXX I received foreclosure documentation to be effective XXXX XXXX, XXXX. One week prior to foreclosure I received a XXXX alternative trial loan modification with IndyMac in XXXX XXXX on an original loan balance of {$72000.00} with a monthly payment of {$700.00}. The trial loan modification required that I paid {$500.00} for XXXX to XXXX and a permanent modification would be granted if I was in full compliance. A full modification was granted in XXXX XXXX with an unpaid principal balance now of {$77000.00}. There was an escrow shortage in the amount of {$1100.00} with the monthly payment of this shortage to be paid over a five-year ( 60 months ) period. This monthly payment has been already included in the monthly escrow payment. Review of OCWEN 's Annual Escrow Account Disclosure Statement Account History now reflects a NewLoan Setup Fee and which there should be no modification fee. This is not a new loan and assignment or transfer of this loan from the previous servicer, IndyMac to Ocwen effective XXXX XXXX, XXXX does not warrant the fee assessed to this loan. My escrow is to be used for taxes and insurance and this servicer by federal lending guidelines are now violating fair lending laws and are exhibiting predatory violations. Communication with OCWEN has been tedious and frustrating because I initially responded in XXXX and their response in XXXX XXXX is as follows. Please be advised that the servicing of the loan was relocated from XXXX Ocwen servicing location to another on XXXX XXXX, XXXX, with a negative escrow balance of {$790.00}. OCWEN caused the negative escrow balance when charged the NewLoan Setup Fee. This is not a new loan and relocation from XXXX Ocwen servicing location to another is an OCWEN charge not a charge to the consumer or customer. This act is predatory and the loan modification clearly states that the escrow shortage on this loan is included in my current payment. Additionally, my mortgage payment changed, in XXXX, it was {$500.00} and in XXXX it went down to {$490.00}. OCWEN 's attempt to assess 18 months later an unauthorized charge to my escrow that only allows for taxes and insurance is a predatory act and blatant violation of Fair Housing, Fair Lending and Mortgage Servicing Laws and is illegal. In summary the prior Loan Servicer, IndyMac Mortgage Services verified that this is a loan transfer effective XXXX/XXXX/XXXX and transfer of the servicing of this loan does not affect any term or condition of the mortgage contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called XXXX and XXXX to have a 30-day freeze put in on my credit. My bank of America is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my bank of America account. I called XXXX XXXX to have payments process to bank of America but only some funds could be verified. This is currently an on going nightmare for me.
Product: Mortgage

mr cooper keeps saying that i am one month delinquent on my mortgage when i am not
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am complaining about two credit cards accounts that appear as closed lost / stolen ( XX/XX/XXXX and XX/XX/XXXX XXXX in my report when the card was actually replaced for security reasons. I only have one credit card account with SYNCB/TJXCD two days after I called the company a New remark from them appeared in my report also have inquiries from SYNCB/PayPalXXXX and SYNCB XX/XX/XXXX on my XXXX  report XXXX that I do not recognize.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XX/XX/XXXX {$3100.00}
Product: Checking or savings account

Citi XXXX sent me a Letter to my old address. The Letter had my full name and account number on the first page. Someone opened the Letter before I received it in my mailbox. It took me four hours to try and reach someone at Citibank to put a hold on the account. Wait times for customer service are greater than 20 minutes. Now it is impossible for me to lift and move that money to another account. I have banked with Citibank for more than 15 years. I want to close my accounts in steps so I dont disrupt auto payments and deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times for this to be removed from my credit reports. I sent a validation letter to the credit bureaus, and it was returned as meets FCRA requirements. I did not receive validation that this belongs to me. I then sent a direct dispute to Portfolio Recovery Associates, and they responded with a bill- not valid proof according to the FCRA. I am requesting for this account to be removed from all three of my credit reports.
Product: Mortgage

Please see complaint ID XXXX submitted on XX/XX/2020. Fifth third bank responded to the complaint but the response did NOT address the Regulation B violation. Their flagrant violation cost us {$3000.00} in additional costs to put on our roof due to their delay. Fifth third was required to make a lending decision within 30 days of receiving a complete loan application. They did not. We want to know why.We want an explanation. Were not looking for them to acknowledge our frustration. We want to know why they violated regulation B.
Product: Debt collection

I was sent a letter by a medical billing company stating that XXXX information was utilized for debts owed to XXXX XXXX XXXX and Kason Credit. I would like these medical bills removed from my credit score.
Product: Checking or savings account

Hello, I have an HSA account with UMB and they refuse to give me my account number. 

I need my account number to pay my insurance premiums and the only way the insurance company accepts payment is an electronic ACH. 

Furthermore, I am set up to have online account access and my account number is not available online and they do not provide statements monthly but quarterly! 

How is this legal!?!
Product: Credit reporting, credit repair services, or other personal consumer reports

Information shall be excluded from credit report 15 usc 1681 ( c ) ( a ) 15 usc 1681 b Permissible Purpose : permission before pulling my credit. 

I didnt give anyone permissible purpose to pull my credit nor did I write a written statement for any bureau to allow someone to pull my credit. Is there any written documents or letter that shows a signature of my name stating I am giving anyone permission to pull, looks or touch my credit profile? By you allowing anyone to pull my credit without my consent that is a violation. 

I XXXX XXXX has found that Equifax has violated my rights as a consumer. I viewed my credit profile and notice several improper usage that took place. I am notifying Equifax that I am sending a warning with a Letter of Intent certified in the mail and I will take action to litigate this matter immediately. 1. Pursuant 15 usc 1681 ( c ) ( a ) 2. Pursuant 15 usc 1681 b. I did not provide Equifax nor any debtor permission to view, pull or place any information on to my credit report. I am the original creditor. I didnt personally contact Equifax through mail with no documents stating that I am allowing my credit profile to be viewed or pull for any extension of credit with XXXX XXXX Legally I must send in a legal document stating that I am allowing permission but I never did and Equifax does not have a legal documents with my signature stating such fact. I am seeking compensation for damages youve cost for years. The accounts that is listed on my credit report XXXX XXXX XX/XX/2017 which I didnt give anyone debtor nor credit bureau permission to pull my credit. I have attached the images along with documents of an invoice for compensation of damages. We can settle this out of court and I am only allowing 5 calendar days for this information to be removed immediately and permanently. If for any reason my credit report is used without my permission in the future I will file a law suit triple the amount of compensation I will be seeking. I am only allowing 72 hrs for deletion due to violation of Pursuant 15 usc 1681.
Product: Checking or savings account

In approximately 2011, I opened a safe deposit account with Chase bank, at my branch at XXXX XXXX XXXX XXXX NY. The contents I placed there were valuable : family jewelry, family documents, family heirlooms. Among the family heirlooms were XXXX watches that belonged to my great grandfather. I went to the bank to check on the contents earlier this fall, I discovered that the contents had been removed. I had not been contacted, even though my contact information is obviously available to the bank. At first, the staff had no idea of what happened. The branch manager then started to help, and determined that the contents had been " put in a bag '' and sent to a warehouse in Texas. Fortunately, the contents were recovered and shipped back to XXXX. At some point, XXXX of the pocket watches was broken -- the glass crystal broke. The pieces of glass fell out of the bag when I first opened the contents at the branch, with the XXXX and another employee as witnesses. When I got home, I figured out that the broken glass was the watch crystal. When I contacted the bank, they showed no interest in compensating for the damage to this watch. The larger issue is the brazen and irresponsible way in which the bank handled our valuable possessions, making no effotr to content us about the mistake they made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For TransUnion and XXXX, they state serious delinquency on accounts but have been up to date on payments for many years
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information with the listed account DEPTEDXXXX  Account # : XXXX. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card

From XX/XX/year> to XX/XX/year>, my monthly balance jumped from {$110.00} to {$850.00}. I signed up for the supposed 0 % interest apple card monthly payments and should've only been responsible for {$460.00} and yet this balance was applied to my account. I have tried tirelessly to call Apple Pay/Goldman Sachs about this issue and they are unable to explain to me why this discrepancy exists. I have always paid my accounts on time except for the one past due amount. My Apple Card Monthly payments, which are supposedly 0 % APR, interest free and should remain at {$410.00} as I initially signed up for, continue to increase monthly. This month, the apple card monthly amount I am being asked to pay is now {$490.00}. This is clear dishonesty and in line with what AppleCard/Goldman Sachs have been guilty of in the past. I have a total balance of {$730.00}, of which {$320.00} are completely unaccounted for, as there is supposedly a past due balance of {$87.00} which is no where to be explained. The agents on the phone have admitted to being confused and frankly a little worried about the lack of transparency and " made up numbers '' in my credit card statements starting from XX/XX/year>. I am now getting hounded by Apple Card/Goldman Sachs that I will be getting reported to the credit card agencies when I have been nothing but a truthful, law abiding citizen. This is all so stressful and unfair. I would've paid the amount if anyone could truly explain to me what I am being charged extra for, but as stated by many of the employees at Apple Card, seems like I am being charged fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XX/XX/XXXXXXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX XXXX XXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXX, XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX
Product: Debt collection

WAYPOINT RESOURCE GROUP is trying to collect on a debt that they can not verify. The debt was already unverifiable with one collection agency and my guess is they sold it to Waypoint resource group. Waypoint resource group has illegally reported it to the credit bureaus, they didn't send any notification to my residency, they can not verify my residency, and I was never given 30 days to dispute.