23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> - I received a letter from Oxygen XL debt collector. It asked to go to their website to dispute oxygenXXXX and I submitted a reference number XXXX. Multiple times I tried to submit and the page just keeps loading, it also defaults to asking for your phone number and then says you agree to their robo calls and texts, which I do not. 

This is the process for requesting information, their website was designed not to work, and just shows the loading screen and never submits after multiple attempts and hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was XXXX up until XX/XX/XXXX in which ive filed identity theft reports from whomever may have used my info i did not authorize nor benefit from any of these thingd there are inquiries from XX/XX/XXXX and XX/XX/XXXX that are not me due to me being XXXX and this can be proven as far as my whereabouts theres cap one XXXX XXXX XXXX XXXX cap one XXXX cap one XXXX cap one XXXX i even see some recent from capital one that i did not do therefore im placing a security freeze due to whomever still having my info a cap one XXXX a cap one XXXX a cap one XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Discover Bank regarding the account ending in XXXX. This account is being reported inaccurately and despite over six months of disputes with the credit reporting agencies, no valid documentation has been provided to substantiate the debt. 

Issues and Inaccuracies : Inconsistent Balance and Limit Reporting : The reported balance is {$6600.00}, but the account is marked as closed and charged off. 
The high balance and credit limit are inconsistent across bureaus : XXXX and XXXX report a credit limit of {$5600.00}. 
XXXX lists a credit limit of {$0.00}. 
Discrepant Payment and Charge-Off Information : The dates of the last payment, charge-off status, and account activity vary significantly between the bureaus. This inconsistency indicates poor record-keeping and reporting failures.

Failure to Provide Verification : Despite multiple disputes, Discover Bank has failed to supply any valid documentation or proof to substantiate this debt.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which requires all reported information to be accurate, verifiable, and timely.
Product: Checking or savings account

On XX/XX/ I ordered XXXX XXXX XXXX through the XXXX app. The total was {$30.00}. The XXXX employee delivered someone else 's order by the name of XXXX. By the time I realized that I received someone else 's order, the XXXX was at the end of the parking lot on her way out. I immediately contacted XXXX, explained the issue and asked them to either redeliver the correct order or to give me a refund, in which they refused. I then called XXXX XXXX XXXX directly and made the employee aware that the XXXX XXXX was given the wrong order and I had someone else 's order. The lady told me that since I ordered through a third party which is XXXX then I would have to contact them regarding any issues. I communicated back with XXXX  again and sent them proof of the wrong order via the same screenshots I'm sending you. I then decided to communicate with the vice president of XXXX XXXX XXXX to explain my dilemma and he told me the same thing his employee said that since I paid through a third party app I would have to get my refund through them. I asked for a manager to contact me back at XXXX in which they claimed it would take XXXX hours from the time I placed my order which should have been XXXXXXXX XXXX. that night but no one has contacted me back up until the present day. I immediately reached out to my bank Chime and filed a dispute, I provided them the same proof that I provided XXXX stating that I never received my order, yet my {$30.00} payment was never received back for their discrepancy. Chime just recently sent me a email stating that they saw no error and that they refuse to refund my money. I just need my {$30.00} back that I've been waiting to receive since XX/XX/2024.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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 XXXX XXXX XXXX
Product: Checking or savings account

I had an account wit Wells Fargo a couple of years ago and they charged me a bunch of fees and closed my account, just wondering if I am included in the settlement. Thank you
Product: Mortgage

Complaint : JP Morgan Chase Bank ( Chase ) guarantees on-time closing or {$2500.00} in compensation through the Chase Closing Guarantee. My loan closed after

a 9-day delay ( 39-day closing vs. original/agreed 30-day closing ). Chase refuses to compensate me for the delay in closing. I attempted to resolve the issue through the Chase Escalations Department. However, my request was twice denied based on an " interest rate change. '' Lender-initiated delays are not listed among the ineligibility criteria, and Chase failed to communicate which line item renders my request ineligible. Furthermore, Chase failed to provide written notice of adverse action ( i.e. denial of credit ) per CFPB Regulation B, 1002.9, preventing me from pursuing a loan application with another lender. Timeline : On XX/XX/XXXX, I applied for a conventional mortgage with Chase. When initially applying, I was not given a choice of loan/product types to apply for. 

On XX/XX/XXXX, I was informed my application was pending an ( internal ) exception. At the time, Chase misled me by stating it was due to a requirement that funds originate from a checking account. 

On XX/XX/XXXX, after repeated escalations through phone and email, a Chase manager communicated the above exception was due to a change in loan types, from agency to non-agency portfolio. 

On XX/XX/XXXX, my original closing date, Chase approved the exception to process the application as a non-agency portfolio loan. At this time, they failed to issue me denial of credit on the original loan application, nor did I submit a new loan application for the change in product type. 

On XX/XX/XXXX, my loan successfully closed, 9 days after the originally scheduled closing date. 

Additional Notes : Chase failed to communicate requirements and requests in a clear, unambiguous manner. For example, on XX/XX/XXXX, I was informed that my application was pending an exception. Chase misled me into thinking this was related to a requirement that funds originate from a checking account when it was instead related to a change in loan product types.

Chase also failed to communicate in a timely manner, requiring repeated email escalations to the

loan officer and managers involved with my application. Phone calls went unanswered and unreturned. Chase representatives communicated that updates would come within 3 business days, and instead often took 4-5 business days to respond, if at all. Chase put me in a lose-lose situation, and yet refuses to make this right by compensating me for the delay.
Product: Debt collection

I tried to login but got a restricted access and couldnt access my bank account Account name XXXXXXXX XXXX  Account number XXXX Account type Credit card Responsibility XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Recent payment - - Monthly payment Credit limit {$1500.00} Highest balance
Product: Payday loan, title loan, personal loan, or advance loan

I gave Bestegg permission to report to the XXXX party agency but In regards to reporting negative items, According to 12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am exercising my right to opting out. Any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely. 

Removal of all derogatory items. 
Bestegg Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. XXXX ) All inaccuracy gives reason to delete late payments past present and future. XXXX ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. XXXX ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than XXXX installments. consumer credit reporting companies can not report income on the credit report. 
BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ). I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Vehicle was turned in, on time, at lease end onXX/XX/XXXX. Vehicle passed inspection with flying colors, but excess mileage charge was never returned to me. Amount due to me is {$5400.00}! Called Ally Financial on three ( 3 ) different occasions to question why funds have not been returned, and on all three occasions I have been talking with foreigners who can not speak good, understandable English. It's not surprising that a caller is not asked to " Press one for English '', because apparently there is no one left at this business who speaks English clearly since XXXX XXXX sold the business. Both my wife and I have called and requested an English-speaking person without any success. We have collectively talked with seven ( 7 ) different individuals over the three ( 3 ) calls and still do not understand why our funds have not been returned to us. It is now over 4 and 1/2 months since we turned the vehicle into the dealership where we bought our new car! Ally Financial is using our funds to make interest at our expense and we demand immediate return of our funds, and they should include interest! My Ally account # is XXXX. We even had the dealership ( XXXX XXXX XXXX of XXXX  Michigan ) contact Ally, and they had no success in getting our funds returned either. We received a letter from Ally Financial datedXX/XX/XXXX indicating that our refund of {$5400.00} would be mailed under separate cover, but that was 53 days ago, and even the USPS service is not that slow! We have been told by our dealership personnel that the refund usually follows the letter within 7 days!
Product: Checking or savings account

Wells Fargo has taken the funds from the check writers account the day after I submitted the check through the ATM, they have since been withholding my money which is causing undue XXXX for myself and the check writer as we have been unable to access the money and she had to go back and forth to her bank only to find that the funds were taken from her account and not released to me. She is XXXX XXXX XXXX and has XXXX and is unable to get around without assistance and was terrified to think I did not get paid for the work already done and she was fearful I would not return to work because Wells Fargo lied and said there were problems with HER XXXX XXXX which is false. 
Wells Fargo lied to gain access to my XXXXy via my XXXX XXXX XXXX  and is unlawfully withholding the funds. I was given at least XXXX conflicting stories as to why the funds were not released to me and this is unacceptable due to Wells Fargo having a history of unlawful business practices and has been sued in the past for unlawful practices and they seem to keep doing this. The explanation given is false and they did not resolve the issue satisfactorily- they have unlawfully withheld funds from me and caused XXXX  they somehow benefit from doing this to their customers as evidenced by the recent lawsuit they lost A federal class action lawsuit claims that Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX by delaying to send wire transfers and delaying to make deposited funds available for excessive periods of time in order to generate interest on the funds ( This is from the class action website and this is recent- Wells Fargo is XXXX XXXX their employees to engage in XXXX XXXX  )
Product: Credit reporting

Experian Credit Report : XXXX, I am unable to remove inquiries from my credit report. 
The XXXX and the Credit Bureau are both no removing my name and informationfrom the Creditor 's file. I want the inquiries to be removed and permanently stopped.
Product: Credit reporting or other personal consumer reports

Experian is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX in the amount of {$970.00} being reported as a collection account since XX/XX/XXXX XXXX XXXX  in the amount of {$880.00} being reported as a collection since XX/XX/XXXX XXXX XXXX  in the amount of {$830.00} being reported as a collection since XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$360.00} being reported as a collection since XXXX XXXX XXXX XXXX XXXX  in the amount of {$1500.00} being reported as a collection since XXXX XXXX XXXX XXXX  in the amount of {$58.00} being reported as past due as of XXXX XXXX XXXX XXXX  in the amount of {$180.00} being reported as past due as of XXXX XXXX XXXX XXXX is reported as a charge off in the amount of {$2300.00} as of XXXX XXXX XXXX XXXX XXXX - reported as late and past due as of XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX XXXX  - reported as late and past due as of XX/XX/XXXX in the amount of {$1500.00} XXXX XXXX XXXX - reported as late and closed as of XX/XX/XXXX in the amount of {$1000.00} XXXX XXXX  in the amount of {$700.00} is reporting open and late XXXX XXXX XXXX is reported as past due as of XX/XX/XXXX in the amount of {$980.00} XXXX XXXX XXXX  is reported as late payments due as of XX/XX/XXXX in the amount of {$230.00} XXXXXXXX XXXX XXXX is reporting as {$160.00} past due as of XX/XX/XXXX XXXX is being reported as open and past due {$68.00} as of XXXX XXXX XXXX XXXX XXXX XXXX is reposted as written off in the amount XXXX {$360.00} as of XXXX XXXX XXXX XXXX XXXX XXXX is reposted as written off in the amount of {$480.00} as of XXXX XXXX  All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts.

Several of these accounts are associate with incorrect information that is listed on my credit report as being my personal information.

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.
Product: Credit reporting or other personal consumer reports

I was not able to log into equifax to lift my credit freeze. I called equifax this morning and I was not able to resolve the login issue. The customer support rep claimed to help me lift my credit freeze, though, and he said it would only take an hour. However, my lender seemed to still have problems pulling my credit later in the afternoon. I called equifax again to inform them about the login issue and credit freeze, but my call was disconnected by equifax while I was on hold.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX and TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. 

I have had multiple loans with XXXX, XXXX and have never been LATE. 
Because the instalments are AUTOMATICALLY drafted out of a bank account. 

Have tried numerous times to reach out to XXXX, XXXX and they can not find this account number in their system, which is negatively reporting on my credit report. 

XXXX XXXX XXXX account # XXXX SHOWS XXXX DAYS LATE ON - XX/XX/2022 In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized inquiry was made and it has negatively impacted me. The company shows up on my credit report as CITI CARDS CBNA and it shows inquiry date as XXXX. I did not authorize this inquiry to be made. I have called the company multiple times spoke to many agents ( XXXX, XXXX, XXXX XXXX, XXXX ) every single one of them stated that they have no information of an application being submitted with them, they said it was most likely a scam I stated that I dont believe it was a scam as it is showing on my credit report. They again stated they have no information or any application and that I should contact XXXX, I contacted XXXX and they advised that they can not remove it because they need CITIBANK to send them a letter saying there is no application. I called CITIBANK again and they told me they cant send anything to XXXX because there is nothing to send, there are no records that show I made an application with them. So i would like this to be removed from my credit report as it has made a negative impact on me.
Product: Credit card or prepaid card

I refinanced our mortgage the mortgage company sent one check, and the check was not processed. My mortgage company sent a second check the check processed by HSBC in XXXX. Had a XXXX balance from HSBC for XXXX and XXXX bill. On Saturday XX/XX/XXXX received a bill for XXXX with a returned check fee. I called my mortgage company they are saying the check was processed.. HSBC sent me a check back in XXXX for XXXX, and I ripped it up want nothing to do with this company at all. I have demanded they close my account, and they refuse to close the account, and will not stop billing me. I would like the account to be at XXXX balance, and closed. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX Date Generated XXXX XXXX Send proof of my XXXX account and XXXX account never late.
Product: Debt collection

At XXXXXXXX XXXX Friday, XXXX XXXX, 2022, I received notification of a voice mail. I listened to the voice mail and the lady 's name was XXXX XXXX and she said she was calling from the Office of Financial Credit Network at XXXX. 

Unfamiliar as I am with this company, I XXXX  it. It turns out they are a debt collector. The Office of Financial Credit Network has violated state and federal law because I have notified all creditors IN WRITING that ALL communication with me is to be IN WRITING. I want a claim filed and to be reimbursed for the Office of Financial Credit Network violating federal and state law. 

Thank you very much for your time and assistance.
Product: Mortgage

We were told to go through with the closing process by a broker and if anything needed to be changed it could be done after closing. The broker insisted we close immediately before rates changed he would not take no for an answer. We closed on Friday XX/XX/2023 at XXXX XXXX. the closer did not go over the paperwork with the exception of one form titled Notice of Cancellation of affidavit, she said that was the form we needed to fill out to cancel. I told her we were going to do so and I read that we had three business days to submit. My husband and I proceeded to our XXXX store on Monday XXXX 2023, we signed the cancellation notice and had it notarized and we faxed the form to XXXX XXXX with the fax sheet provided. The following Fri day we received checks from XXXX XXXX XXXX, I called immediately to ask why they sent those checks because we cancelled the person I spoke with said to call our broker and I did many many v times to no avail. Then I called XXXX XXXX and was told after speaking to numerous people that they received the notice and it was the wrong cancellation notice! Me or my husband are not lawyers, brokers or closers, we only knew what was told of us to do in order to cancel the refinance and that is what we did. My husband is a XXXX veteran and I myself am retired, we were trying to find a way to lower our monthly bills, after looking at the numbers we could not afford to do this, we talked to the broker about this and they would not take no for an answer. I feel like we were lied to and I was told there was nothing they could do about it. Before the closing they had all the right answers and after the closing the wouldn't answer the phone and finally when they answered the said sorry that could not help us. This has been a nightmare for me and I just want to give the checks and untouched money back I was told they could change things until they got what they wanted. The broker is with Modern Mortgage his name is XXXX and XXXX.
Product: Credit card

I used to have a credit card from " first progress '' and closed it before 3 month 's, today i discovered through my credit report that they aree Reporting As Delinquent, Derogatory, Or aeing Disputed. I tried to contact them throughout the telephone or email but they do n't have a un woorking telephone number or they do n't answer phones and they do n't have emails!!