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

XX/XX/2021, I received an alert that my credit score had dropped considerably. I clicked on the alert via XXXX XXXX and saw that Equifax had removed a valid credit card from my credit report without consent from XXXX XXXX / XXXX XXXX Surge Card or me, the account holder. This caused a significant drop of 95 points on my credit. When I called, I spoke to 4 different people and even had them escalate to a supervisor to no avail. These people were very rude to me. None of them were able to explain anything to me. They could not tell me why this account came off my report and hurt my credit. So, I proceeded to call my account management with XXXX XXXX and asked for a supervisor. That supervisor said that Equifax knows about the issue that they are having with the error in updating the reports and that they don't know when it will be fixed. I am in the middle of a refinance on my mortgage and now will definitely be denied because of this " error ''. This is causing me significant stress and financial hardship. I am a single mother and depend on the hard work that I have put into my credit to bring my score to an approvable level. I want my account updated immediately and score corrected. I do not have another year to try to build back up the score that I have spent YEARS fixing already.
Product: Debt collection

On XX/XX/21 I received mail from numerous local attorneys attempting to represent me for an action filed with a local judge. The paperwork states that midland credit is sueing me for {$1300.00}. I have disputed this account on my credit report and have no knowledge of this debt. Instead of answering this dispute with written verification, I have been threatened with a lawsuit and the information was received 3rd party. I have not been served and I have no knowledge of this debt.
Product: Checking or savings account

XXXX {$180.00} refuse to refund my money after these unauthorized XXXX transactions on my account. Very bad unfair deceptive business practices claim # XXXX 15 U.S. Code 1693g - Consumer liability 18 U.S. Code 1030 - Fraud and related activity in connection with computers 4-214. RIGHT OF CHARGE-BACK OR REFUND ; LIABILITY OF COLLECTING BANK ; RETURN OF ITEM. 
XXXX. REFUND OF PAYMENT AND DUTY OF CUSTOMER TO REPORT WITH RESPECT TO UNAUTHORIZED PAYMENT ORDER. 
26 U.S.C. 6402 - Authority to make credits or refunds 4-302. PAYOR BANK 's RESPONSIBILITY FOR LATE RETURN OF ITEM.
Product: Debt collection

XXXX XXXX sued me after the statue of limitations had run out on a credit card account that was time-barred. The card still appears as an open account on my credit report which I recently ordered. XXXX XXXX XXXX XXXX XXXX claimed that they bought the credit card account from Citi Bank and that makes the card a personal account now, and thus, it is no longer an open account. I have never seen anywhere in all the research that I have done that an open account becomes a personal account after it is sold. In XXXX XXXX, the statue of limitations is three years on an open account and fifteen years on a personal account. If they can claim this as their defense then how is the statue of limitations protecting consumers if rules/laws can be changed to benefit these companies that buy these accounts on XXXX cents to the dollar and then add other charges? I would be interested in knowing if this is true in other states or only in XXXX XXXX? This is hurting many working families in XXXX XXXX and I feel that it is causing more damage than the XXXX XXXX debt we are facing because these are individual families. Removing the statues of limitations as a defense against these giant corporation leaves the consumer at the mercy of these heartless and immoral company.
Product: Credit reporting or other personal consumer reports

The folowwing four accounts from XXXX XXXX have been fraudulently opened without my knowledge i am unaware of these XXXX accounts they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to dis
close under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current
Product: Mortgage

Further to claim # XXXX, I acknowledge receipt of Chase response dated XX/XX/XXXX in which the include a lock-in-agreement dated XX/XX/XXXX. 
This was an agreement I was told to sign so that they can secure at least the 5 % interest rate. I had wanted to get the lower rate which at the time was a lower than 4 % for the 20 year loan I really wanted at the time but I was told that I did n't qualify for that rate. No explanation was given. No one ever mentioned that I could qualify under the HARP program nor I had any idea such a program existed until not too long ago when I kept reading about it. No one ever told me that I could refinance with any other institution either. I had a 20 year loan which I had to increased it to 30 years to get the lower rate (!!!!??? ) I had tried re-financing not too long ago and I was n't able to do so either and this may be because Reading thru the Truth in Lending Disclosure Statement, it says that that 'there is no guarantee I will be able to refinance to lower my rate and payments (! ) No wonder Chase closed on the refinance so quickly. The Lock in agreement is dated XX/XX/XXXX the loan was effective XX/XX/XXXX. 
Chase said that I did n't need an attorney nor anything. Chase sent a notary to my house to sign the documents but the lady left me with unsigned documents. 
The Lock in agreement indicates that there were no fees ; however, the HUD says something completely different. ( see copy attached ) None of my documents indicate that the loan was under the HARP program and as I stated before, every time I have called Chase, each representative stated that I I did n't have a HARP loan because for some reason ( they did n't know exactly why ) I had not qualified for one. How is it possible that Chase representative could n't tell whether or not I had a HARP loan. This was not just one representative but every representative I called. ( I had called in several occasions ) I remember finding it very strange that the loan had been processed so quickly, yet no one volunteered any information. 
I notice now that among the documents that there are is a HUD from XXXX XXXX XXXX XXXX and it also says that I could 've paid them?? May I know why. What was the advantage or disadvantage? 
While I was able to reduce my payments, this was due only to the fact that I increased the term of the loan not because of the advantage that HARP program could 've given me at the time. 
Due to another situation with another loan, it occurred to me to inquire JPM Chase about the ownership of the note on my mortgage for my house, the representative told me that Chase does not sell its notes. However, when I called again on a different day and asked for a copy of the note, I was told that the loan owner was XXXX XXXX I feel JPM Chase misled me and misrepresented the refinance of my loan effected in XX/XX/XXXX.
Product: Checking or savings account

Years..12 yrs w/Key bank.Now they do not refund fraudulent charges and make a customer jump through hoops to the tune of XXXX XXXX dollars by one predatory debtor..there are morre they never address.NOW after closing the local branch disconnected phone calls and chats..I have no HELP..taking care of this XXXX yr old WW2 vet while they promote themselves on sociaL MEDIA IS UNBEARABLE TO SEE.tHEY ABOLISHED A SAVINGS ACCT W/FEES IN A FEW MONTHS! they GAVE THE wrong DEPOSIT INFO AND MY XXXX  WAS never DEPOSITED.i AM STILL PRAYING TO SAVE THIS FARM PROJECT..BUT NO DEPOSIT BECAUSE THEadvisors AT THE BRANCH GAVE ME THE WRONG deposit INFO..WAS APPROVED XXXX XXXX.NO DEPOSIT. yet.Continuous issues, nightmares in a very scary time for all of us.These folksd do NOT deserve whatever status or license they HAVE to take anyones money..ever
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation into Transunion Reporting Practices Dear CFPB, I am writing to formally request your assistance regarding a violation of the Fair Credit Reporting Act by TransUnion. TransUnion has not adhered to the obligations set forth in 15 U.S. Code 1681, particularly concerning the accuracy and fairness of credit reporting. 

I have noticed that my account ( # XXXX ) related to my XXXX XXXX XXXX XXXX which was reported in XXXX XXXX. But was deleted by TransUnion Between XXXX XXXX XXXX XXXX XXXX from my credit report. This action has adversely affected my credit history and overall XXXX XXXX, undermining my financial standing. 

The XXXX findings highlight the importance of accurate and fair credit reporting, emphasizing how inaccuracies can impair the efficiency of the banking system and erode public confidence. As a consumer, I rely on accurate credit reporting for fair access to credit, and the deletion of my account has hindered that access. 

I am uploading a copy of my XXXX XXXXXXXX XXXX XXXX credit report for your review. I kindly request that you investigate this matter and facilitate the reinstatement of my account on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,
Product: Debt collection

Wage Garnishment of my income, for a credit card I have no knowledge of for this debt. 
XXXX XXXX Credit card opened inXX/XX/XXXXand the company states that the judgment is from XXXX. The company has summonsed me for a service judgment from the court for wage garnishments. The judgment amount total balance due is {$4600.00}. All of my old accounts with XXXX XXXX has been paid in full.
Product: Money transfer, virtual currency, or money service

I made a payment to XXXX XXXX XXXX on XXXX in the amount of {$33000.00}. XXXX did not accept the method of payment, which was made via ELECTRONIC BILL PAY. The funds were returned to BB & T on the same date, according to XXXX XXXX. 

I contacted BB & T several days later to inquire as to why the funds had not been credited back to my account. They informed me that XXXX was sending me a physical check in the mail. After not receiving the check for what I considered to be a reasonable time frame, I contacted BB & T again to inquire as to the location of my funds. They informed me that the funds would be returned back into my account after a multiple day hold. To date, it has been 20 days, and I still do not have the funds back in my account. This has cost me close to {$400.00} in additional accrued interest, and in this day and time there is no sense in this. I want my funds deposited back in my account immediately, along with the additional interest that it has cost me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested Navient retract their reports to the credit bureaus that my four private loans were 60 days delinquent in XXXX of XXXX as per the New York State Department of Financial Services ( DFS ) private student loan relief program instated on XX/XX/XXXX, Navient was to provide a minimum of 90 days of forbearance without late fees or reporting of past-due payments to the credit reporting agencies. On XX/XX/XXXX, I entered into forbearance with Navient retroactively back to XX/XX/XXXX, which brought my accounts current. Under the provisions of the private student loan relief program, Navient should have corrected the status of my loans during the forbearance period and did not. Further, my accounts have been current and paid on time since XX/XX/XXXX. Despite my requests, Navient has yet to correct my credit report.
Product: Mortgage

In XX/XX/2020, right as we were beginning to understand the gravity and impact of Covid I missed a payment to Suntrust/Truist in the amount of {$290.00}. I had just gotten out of the hospital from XXXX XXXX and had lost my grandmother from a XXXX  outbreak in her XXXX XXXX, unable to say goodbye or even have a funeral. I called Suntrust and told them that I wasnt able to process my mortgage and told them that I had been sick and although I tried to pay I couldnt access the system as it was unavailable and I told them that I had been sick. I wrote them explaining I couldnt process my payment online they wrote back and stated they were not reversing their decision and there was nothing wrong with the online system and there was nothing I could do. I am writing 3 years later as I can no longer afford to live with the impact of missing that one payment after knowing others during that time were afford covid relief to miss payments, modify loans and get back on their feet with little to no impact to their credit. I found Truist response to be very cold and not that of an institution that understood the global crisis that we all have witnessed. Now 3 years later my credit score which was above 750 is now down under 650 due to the one missed payment in XXXX. After 3 years of trying to live with the result I finally found the courage to say it is not right for others to benefit while I continue to pay higher interest rates, have anxiety over not being able to be extended credit when I too suffered from XXXX and the bank looked the other way until millions were impacted by it. Please help me to remove this from my credit report so that I can get my life back and stop paying thousands more in interest payments over one missed payment during the beginning of a global pandemic.
Product: Checking or savings account

On XX/XX/2022 I received a notification that the phone number on my chime spending account had been changed. I immediately called chime customer service number and explained it was not me who changed the number. While on the phone I requested my remaining funds be transferred to another bank account to keep them safe and I requested for my account to be closed. The associate agreed that this would be the safest option to protect my funds and he reassured my that there would be no issue. A week passes and the funds never show in my other account. I reached out to chime and they said that the account had been suspended due to unusual activity and for it to be unlocked I needed to send them verification from my other bank as well as other personal documents. I have done all of this and my account is still suspended and I do not have my funds. I would just like my money and the peace of mind knowing that the account has been closed. 

Chime reached out to me after my previous complaint and stated " On XX/XX/2022, we contacted you requesting a listed of documentation needed to have the account reenabled. The list has provided below for your reference : Your primary government-issued photo ID ( such as a Drivers License or State ID card ) OR Secondary ID ( Social Security Card or Student ID ) For security purposes, please also provide a photo of yourself holding your ID document ( selfie ) and a piece of paper with your name and today 's date written on it. Please feel free to contact Chime Member Services via email at support@chime.com if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' The next day I sent the the required documents to the email address listed and the account is still not unlocked and I still do not have my money. I want the account to be closed and money to be returned to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations. 
I want the CFPB to publish this
Product: Bank account or service

Huntington National Bank had a system issue causing some debits to double charge. Huntington was well aware of this issue as they had banner notifications on thier website while they were working thru the problem. My account was double charged and as promised, huntington reversed those charges. They did not however reverse the Overdraft fee caused by this double charging. I called in and spoke with a telephone banker and teh banker was able to reverse those charges for me over the phone as well as a extended overdraft fee that was also a result of the original overdraft. A day later ( unbeknownst to me ) Huntington reversed the refund off my account. This caused other OD fees when I used my debit card. Huntington now says the charges are my fault when my statement ( screenshot attached ) clearly shows the errors.
Product: Mortgage

Mortgage servicer, SLS funding, is not transferring the mortgage per the survivor in interest claim. They keep losing documents and saying they need documents resubmitted and giving dates to call back when nothing ever gets decided.
Product: Credit card

Received call from Mastercard that purchase of $ XXXX was attempted in XXXX XXXX FL XXXX I do not live in FL. They denied. Then received notice purchase of $ XXXX was attempted. Denied purchase and was told they would cancel card. After closing time received email from : XXXX thanking me for my order from XXXX in the amount of {$120.00}. I did not make this purchase. This Mastercard has a low credit of {$2000.00} and is only used when I need to order medicine for our dogs. Had not been used in probably for 3-4 months then all this pops up. Would appreciate help.
Product: Credit reporting or other personal consumer reports

I understand that FCRA XXXX requires us to remove any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including inaccurate amounts and dates.
Product: Payday loan, title loan, or personal loan

I took out a {$1400.00} loan with lendnation i had a payment due XX/XX/2021 called the company and they extended the payment to XX/XX/2021 paid the monthly installment of {$530.00} on XX/XX/2021 the next payment was suppose to be due on XX/XX/2021 checked the website and it didn't show a monthly installment it showed ( default ) {$1400.00} called XXXX XXXX in customer service and he communicate that lendnation no longer did business in Illinois and said that the default wasn't going to go away. Didn't quite understand why it was in ( default ) not what was communicate or set up. ( Similar to a previous complaint with the CFPB )
Product: Credit reporting, credit repair services, or other personal consumer reports

US Auto Sales Inc. has multiple hard inquiries reported. There should only be one hard inquiry reported and that is for XX/XX/2017. I did not ask the lender for multiple lines of credit and the lender is in violation of the FCRA. I ask that the lender correct the number of inquiries and remove the other inquiries that do not belong to me.
Product: Credit card or prepaid card

The account where openned under my name, ss, and I found out that I had identity theft happen back in 2019, I had a state police contact me about my name being used for fraud. I was asked to come into the state police location and do a report of my own. Here are the three reports I have had to make regarding identity theft : XXXX XXXX XXXX I have tried to contact all the parties involved and none of the credit card companys have done anything to remove from my credit report. I have on my credit report a notice that I have identity theft done. I've had my bank even contact me during XXXX about about someone trying to access my banking information. 

The accounts I did not open are the following : XXXX XXXX  XXXX XXXX XXXX Discover Bank The police reports I have filed details the accounts that were from the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive also contacted the companies and they have answered and said they removed the inquiry but XXXX is still showing the inquiry on my file IVE SENT THEM MANY MANY TIMES MY POLICE REPORT MY IDENTITY THEFT AFFIDAVIT MY DISPUTE LETTER ALL MY IDENTITY THEFT DOCUMENTS AND STILL NOTHING