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

Upon reviewing my credit file, incorrect information was found in my reports. The TXXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Account ; XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$400.00} ; Incorrect Addresse ; XXXX XXXX  XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

We have a mortgage on our house. Last year around XXXX we had our house roof replaced due to many hail storms. Our insurance company, XXXX XXXX, sent a series of 4 checks over the next few months. The first one went through and was deposited. The next 3, however, did not and we found out US Bank now held the mortgage and had to sign off on them. We contacted them and they informed us the checks had to be sent to them in Arizona and this is where the lies and disrespect begin. Since this had been going on the roofing company was asking for payment. We informed them of what was going on and they agreed to wait a while. US Bank said send the checks to them so they could endorse them so we could deposit them and pay the roofers. My wife sent the checks overnight at our expense and included a return also at our expense. Over XXXX in cost actually. So we wait and wait and a couple of weeks later they send them back, not endorsed! We called them and they wanted to dispute that saying their records showed they had been endorsed. We had to make multiple calls and finally had to do so from a bank to get them to understand they had not endorsed them despite what their records show. This took a couple of weeks. The roofing company at that point really wanted their money. So we again send them back to US Bank in Arizona after calling them and we are informed they will overnight them back. Still waiting. Each time I call I am told a supervisor is dealing with that and that ends the conversation. I tracked the checks and no they have not been sent overnight to us. More blatant lies for no reason from US Bank. So today I get to contact the roofing company. If they demand payment I get to go to our bank and see about a loan to cover this. The response from US Bank? A supervisor is dealing with this. We did nothing wrong and this is so unfair. We are out close to XXXX now and more time than we should have had to deal with this all because they made a mistake which we have to fix.
Product: Checking or savings account

Wells Fargo 's lack of vigilance allowed an individual to create a false account in my name, using personal information that could have easily been determined to be false. As a Wells Fargo customer with several accounts, I was given no notice or warning of this fraudulent activity, highlighting the absence of reasonable security measures. 

Consequently, Wells Fargo has enabled this identity thief to cash a {$6000.00} check that was rightfully owed to me, and then misappropriate those funds by depositing them into the fraudulent Wells Fargo account. 

I am the only person in the United States with my name. I live 2000 miles from the XXXX XXXX, which created a false account in my name. I was neither contacted nor altered about this fraudulent use of my information nor any other identification verification. 

I now believe that my other XXXX XXXX Accounts are vulnerable. 

Wells Fargo has told me they will take no action for XXXX to 10 days, during which time I am not protected from further theft of my funds. 

Wells Fargo has told me they owe neither me, the authorities, nor my counsel any information on the {$6000.00} transaction. 

Wells Fargo has not agreed to participate in a criminal complaint or investigation. 

Well, Fargo has not agreed to close the fraudulent account. 

Wells Fargo has not agreed to return the {$6000.00} to me. 

XXXX has not agreed to share with me whether any prior Wells Fargo breach of their data could have been used to create the false identity, fraudulent account, and theft of the {$6000.00}
Product: Debt collection

I was recently made aware that medical debt a rule was passed to remove collections for medical collections off of credit report and would also like to state that this collection company paid XXXX dollar on each account to keep the accounts active which is unethical and wrong under the fair credit act and I would like these accounts account removed from my credit please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach that resulted in my personal information being at risk. I am very worried about my information and am now trying to setup a fraud alert, and Equifax is down for maintenance? This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion says they investigated my account and how do these wrong things remain on my report hard inquirys i never made XXXX  to be exact with XXXX XXXX XXXX bank i did make XXXX XX/XX/XXXX but others i didnt on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX were made by someone else please investigate that
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a mailer with a pre-approved offer from XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, ( XXXX ) XXXX, for a card with a {$400.00} limit. When I received the card and called to activate the card it said there was a balance of {$99.00} that needed to be paid. Of course this confused me so I reached out to the contact center. In speaking with the representative he informed that there was an annual fee that was charged to the card. I advised him at that point to cancel that card because I had not earned an annual fee, and if it was required before using the card they should have left the balance unavailable until I made the decision to pay for it if I still wanted the offer with that as a stipulation. The representative cancelled the card and I received a confirmation letter in the mail on XX/XX/21. Today, XX/XX/21, I get notification that my credit score dropped XXXX points and noticed that this company is reporting a {$99.00} balance on my report as if I'd used this card. I contacted them and was told by several employees that they could not remove it, there's nothing they can do. Eventually they hung up on me. They refused to let me speak to management. They told me there were no managers to speak with. I need this removed from my credit report. I filed bankruptcy and got a discharge a few years back and have been doing nothing but building up my credit since then. I can not afford for predatory lenders such as this company to ruin that. I don't owe them any money. Please help! If they've done it to me, I'm quite sure they have done this to others. It needs to stop here. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 AFNI added a derogatory mark on my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can say its mines. According to the FCRA AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter of inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that you may have caused me. My information was also impacted by the Equifax data breachand may have got in the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 around XXXX PST I got a call and txt message from BofA clarifying if I made a XXXX transaction to a XXXX  recipient XXXX for {$3500.00}. I said no and that Im in the middle of work right now and that its busy. Whats going on? They said Ive been a victim of a fraud and that this call is being recorded. In order for me to reverse this transaction I had to go into my XXXX and add myself as a recipient. Which I did then transfer {$2400.00} over first then the rest of the {$3500.00} to be able to reverse the fraud transaction. I was so confuse and questioned them if theyre BofA and they said yes, I can check their number on XXXX and on the back of my debit card. I was in the middle of work and had to run to the medication room to take this call as Im frantically shaken that once again someone was just trying fraud me. So I followed their directions to reverse my transaction. They said I would get an email on the confirmation of the reverse transaction and another email to change my password on my account. When I got home just now, about to transfer money to my landlord since I am moving out today to realize they didnt reverse anything, instead they wiped my account out. I am finishing up my pharmacist residency program this Friday XXXX, with no job at the moment and have to start paying my {$320000.00} student loans that I just refinance this upcoming month. As Im sitting here thinking back what had just happened and looking carefully at that text message now, I feel absolutely so stupid. I cant believe I let my frantic self at that time on the phone with them get the best of my gut feeling!! I dont know what else to do with these bills hovering over me and with nothing left in my bank account. Please please help me get this refund ASAP Im so ashamed to be apart of this ridiculous scam!! Thank you so much in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

This consumer reporting agency Experian is in violation of 15USC 1681a ( 5 ) for furnishing data that is inaccurate, incomplete and unverifiable on my report. I obtained a copy of my Experian report and noticed 9 accounts with inaccurate data that violate the following sections of the LAW : 15USC 1681 ( B ), 15USC 6802 ( B ), 15USC 1666 ( b ), 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1692 ( g ). This agency failed to conduct a proper investigation and provide an original signed consumer agreement between me and each person or company, where I gave them written authorization or permissible purpose to contact this agency to furnish an account using my nonpublic personal information as per 15USC 1681 ( B ). This agency also failed to provide me with all three of my privacy disclosures ( a-c ) that each person or company allegedly disclosed to me before contacting Experian with my nonpublic personal information as per 15USC 6802 ( B ). This agency also failed to provide me with each original statement that each person or company sent out 21 days before each late transaction was reported as per 15USC 1666 ( b ) in which, any transaction reported is a violation of 15USC1681 ( 2 ) ( a ) ( i ) where congress clearly states that all transactions or experiences to any person are EXCLUDED from my consumer report. Experian knowingly and willingly violated several laws and according to 15USC1681 ( e ), it is their obligation to ensure maximum accuracy of the information that is getting reported on a consumer report. Due to these violations and the data being a direct result of identity theft, the consumer reporting agency, Experian must remove the 9 inaccurate and incomplete accounts listed in my notice sent to them on XXXX  or face legal action for noncompliance.
Product: Credit card or prepaid card

In XXXX, I transferred {$6000.00} to Barclays for a fee of 4 % ( {$240.00} ) with a promotional balance transfer of 0 % until XX/XX/XXXX. Since that time, if not before, they have been inappropriately applying payments resulting in accrued interest charges. 

For example, on XX/XX/XXXX, I made a payment of {$1000.00} which was inappropriately applied to my promotional balance instead of my balance accruing interest. On XX/XX/XXXX, I made another payment of {$200.00} which was also incorrectly applied. 

My statement balance as of XX/XX/XXXX was {$2000.00}. Since that time, I have made payments of {$1500.00} and Barclay made one credit of {$64.00} to my account. Purchases of {$53.00}, an annual fee of {$89.00}, and {$100.00} in interest has been charged to the account. 

I was assured that neither the balance transfer fee ( {$240.00} ) nor the {$6000.00} promotional balance was accruing interest. However, the numbers simply do not add up and none of the representatives or managers I spoke with were able to adequately explain their interest calculations. 

I was told by a manager ( XXXX XXXX today that the " Interest Charge Calculation '' section of the statement was only projected numbers and should not be relied upon. This is very concerning to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$430.00} XXXX  XXXX XXXX {$480.00}
Product: Checking or savings account

My name is XXXX XXXX. My phone number is XXXX and my e-mail is XXXX. On XX/XX/18I made a check payable to XXXX XXXX for work XXXX XXXX would be doing on my yard. XXXX XXXX   deposited that check via mobile check deposit, inadvertently into his Chase personal checking account.

Chase bank froze his funds and told him they were being held by the Reclaim Office Investigation Unit. The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX IL told him he would have to go back to me and have my bank place a stop payment on the item. This was branch manager XXXX XXXX.

My institution ( XXXX XXXX XXXX XXXX ) paid on the inclearing item onXX/XX/18. XXXX XXXX XXXX XXXX  indicated to me on XX/XX/18 that there was no legal or legitimate reason they would be able to place a stop on an item that I had written, Chase had negotiated, and they paid. Additionally, XXXX XXXX XXXX XXXX also informed me that they were past their 24 hour deadline to return the item to Chase as unpaid for any reason, including stop payment. XXXX XXXX XXXX XXXX  indicated that this is not the first time that Chase Bank in XXXX XXXX has advised XXXX XXXX XXXX XXXX to " reclaim '' an item on behalf of a check writer. XXXX XXXX XXXX XXXX kindly called the Chase Reclaim Office on my behalf and the representative told them that there was no way they could just give the customer the funds that were his that the issuing check holder had to place a stop payment. XXXX XXXX XXXX XXXX  asked the Chase Reclaim Office how they could illegally place a stop payment at this point. He indicated it was legal. XXXX XXXX XXXX XXXX assured him that was not a legal course of action and he indicated he could not say anymore but that was their policy. This entire conversation was recorded by Chase Bank.

My contact at XXXX XXXX XXXX XXXX is XXXX XXXX, CRCM and VP/Chief Operating Officer. She is more than willing to speak with a representative if need be, XXXX.

I as the consumer have {$1000.00} of funds sitting in Chase bank that can't be accessed and now work on my property won't be done. Chase bank is causing harm to both me and the landscaper ( XXXX XXXX ). XXXX XXXX
Product: Student loan

Recently I decided to take advantage of my low Income Based Repayment Plan rate and bring my loans out of deferrment to start making payments as these are qualified payments towards my PSLF. XXXX  was my servicer at the time and I made a payment to XXXX who then transferred my loans to FedLoan.

I noticed that the debit for monthly payments had stopped coming out of my bank and that FedLoan wasnt tracking me as paying and so I sent several emails inquiring about this issue which received no response. 

I then called and was placed on indefinite hold several times. When I finally reached someone, I was informed that my loans had gone back into deferrment, I would need to submit a new request to FedLoan, and that I have now missed out on 5 months of qualifying payments towards XXXX 

How can this company just arbitrarily make changes to my loan payment agreement without my consent or put my loans into deferrment which I had brought out by request? Now I have missed 5 qualifying payments which means 5 additional months of payments and potentially thousands more dollars depending on my next XXXX amount. This is basically theft
Product: Credit card

I had a Discover card.I work hard to keep my account up to date.Then I had a accident that regard XXXX and 6 months out of work.When I was out of work and drawing my Short term thru my employer till that company decided to stop playing me 6 weeks from my return to work date.I manage and return back to work and I owe around XXXX to XXXX $ .Cause I had lost my keys and called a XXXX XXXX whom was not legit and I used my Discover card and ask for a complaint on these false services I get.This is where the problem starts.Im on the phone with Discover weekly and going over my account and fixing the issues and seeing if the XXXX XXXX refund my account.No one at Discover addressed me with a issue of any kind.Then I paid the balance of the card and Ive been asking since XXXX what happens and they refused to explain 'Unusual Payment'..Thats why my account was closed.Then I wrote again and asked again and ask that my account be in a positive state no negative reports since there was not negative not even a late payment.So, I decided to ask for a credit increase just to see what there response would beyOnd it was not because of the Status of Existing/Prior Card Accoubt.Im not excepting this from Discover.Ive clearly been judged by them for what ever of reason and its wrong.They have accused me and convicted me without me having a say.I like to know what they are Falsely accusing me if.Unusual Payment? What is that? The bill is paid.I kept my card up and worked hard to get my credit up before my accident and Lost most but I had Discover till they just Slammed the door in my face and why? Its wrong I didn't have a decision or a chance to prove my innocent of what they are accusing me of.I paid XXXX $ in full.At least give me credit on paying my account off.
Product: Money transfer, virtual currency, or money service

I am filing a comp against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX andXX/XX/XXXX I sent both certified mail to Experian saying that the XXXX XXXX account was reporting incorrect and this is stopping me from getting a place to stay. I did not receive a response back from them. I had already included a copy of my driver license and a bill with the currect address on it.
Product: Debt collection

On XX/XX/2021, I received a phone call from three employers XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX is our company 's receptionist, XXXX is our Payroll, XXXX is the Director for HR, and all thought that I was in trouble with the law, because XXXX XXXX who works for a debt collection agency called my job, my home, and text my phone, stating he worked for the XXXX XXXX Department and was on his way to pick me up. He left a number, and a case number, after telling my past financial business. Case # XXXX, Company 's telephone number XXXX. The main company name is Mutual which is all the receptionist gives when you call. Not only are we still in the midst of a pandemic, but because of this outbreak on yesterday, I immediately suffered a panic/anxiety attack, on the fact that my character is being defamed, and now my job could be in jeopardy because of the tactics he pulled, this is not the first time this company has done this, and I have reported to you guys before, I am now seeking an attorney, and we will prosecute not only XXXX, but the company he works for. I understand they are a debt collector, but the tactics he used is not warranted, nor appreciated, now because of him, I have to be reviewed, and visited the XXXX.
Product: Credit reporting

I had applied for an unsecured credit card through XXXX XXXX Bank. XXXX XXXX used the credit reporting agency Experian to process the credit information. I was denied credit due to the following reasons. Bankruptcy and foreclosure. I did file for and receive a chapter XXXX bankruptcy in 2014. However i am disputing the reported " foreclosure ''. I have never had a foreclosure. I pulled my credit report from Experian as well as XXXX, and XXXX and could not find any entry about a foreclosure in any of those credit agencies reports. The only thing that I can suppose is that because my morgtage was included in chapter XXXX bankruptcy protection Experian assumes that I was foreclosed on. However that 's not the case. I am current on my mortgage payments, I am listed as owner on tittle and I still physically possess the property. There is a distinct legal definition to the term " foreclosure. To meet the legal definition at a minimum the following terms must exist. The property and tittle must be awarded to the creditor through judicial action. These terms not being met ... using the term " foreclosure '' is not applicable. A mortgage simply not being reaffirmed and included in chapter XXXX bankruptcy does not meet the legal definition of the term " foreclosure '' .Reporting that my I have a foreclosure on file is patently false.
Product: Debt collection

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike TransUnion 's compliance. The discrepancies persisting on my report are unacceptable. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX, as TransUnion has done.