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

On XX/XX/XXXX I made my yearly purchase from XXXX XXXX with my XXXX card as I have for the past few years. I use my XXXX card only to get the points then I pay it off with the bank account that is connected to my XXXX card online. 
In XX/XX/XXXX I went to the XXXX XXXX website to make full payment. I proceeded to make the payment, received the thank you for the payment page and noted my personal budge/bill sheet as paid. 
On or about XX/XX/XXXX I received an email that my account was 30 days past due. I immediately made a phone call to ask why. I was told that it had been reported to the credit bureau as a 30 day late pay 2 days prior to the email I had just received. 
I explained that I had made that payment back in XX/XX/XXXX and had not gotten any email or late pay notice until that email that prompted the call. At this time full payment was made to XXXX and all late fees were refunded by XXXX. 
I disputed with XXXX XXXXCapitol One on XX/XX/XXXX and then again around XX/XX/XXXX. 
I also disputed 2 times with XXXX  and XXXX. 
This is clearly a system error of some sort which is obviously not a item that can be " proven ''. 
The only response I'm getting from XXXX is that if there is not proof of it being " their fault '' there is nothing they can do. I debated that a " fault '' of a system error is impossible for the consumer. 
My credit has been in perfect condition for many years now and this is the one and only blemish, reducing my score by more than 50 points. I am asking XXXX to simply make a courtesy credit removal due to some sort of system error. 
I have also consulted a credit repair company that advised I try once again to remedy it with XXXX XXXXCapitol one and then proceed to file with the CFPB, OCC, Fair Credit Billing Audit and social media negative blitzes. I shared with XXXX the steps I was going to take and they did not care. 
I am in awe of how an error of this sort can have such an impact with zero path for the consumer to be protected or heard and a human being instead of a number or piece of paper.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-

XXXX XXXX XXXXXXXX-	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Product: Money transfer, virtual currency, or money service

I re-downloaded Cash App today ( XX/XX/22 ) to be able to make an urgent payment of {$100.00} to my sister. I had an account previously, but it is very difficult to re-log into an existing account because of how the app is set up. ( My phone number and bank had changed, but I still knew my email, log-in ID and password to the original account. Didnt matter, I had to crate a new one. No option to even click log on on the screen when you download the app. ) So I created a new account, plugged in my information and bank account, added in my sisters information, and tried to sent her money over the app. It went through but was immediately cancelled : Money was pulled out of my account but never made it to her. The money was not immediately returned either : I received a notification that said I would be refunded on Wednesday ( XX/XX/22 ). 

Now I have no way of making a payment that was urgent because now neither of us have the money. I was given no warning that payments may be cancelled. I was given no reason for why payments pay me cancelled. All of the cash send/receive apps I have used previously explain to the customer similar exceptions BEFORE the customer tries to send or receive money. This was not the case with CashApp. 

When I opened the customer support chat on the app, I was given copy & paste customer service answers. I was unable to get any specifics on why this transaction was cancelled ( for example : was this automatic because of my new account? I dont know. ) The support chat person told me that I am free to send and receive money now, but again, was unable to get any specifics on how I How I would know that the same error wouldnt occur again and I wouldnt be losing my money for several days again. 

I didnt get any specifics over chat or through reading through the user agreement. Finally, I tried to call the customer support number but the number is out of commission. Its a simple recoding that redirects you back to chat with a support person on the app. It is impossible to actually reach a person through this phone number, yet the company is advertising as if it has a real customer support option when it does not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX  Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( XXXX XXXX ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX XXXX XXXX  ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2018, I was charged a service charge of {$7.00} due to holding a balance of less than {$500.00}. 

Keybank misplaced a deposit on XX/XX/XXXX which would have put my account well over the threshold resulting in me nor being charged. They still have not found the deposit and have just lost another one over {$1000.00}. 

Keybank is just very, very bad at what they do and they charge a premium for it. 

I want the {$7.00} fee refunded. I also plan to sue for the {$1200.00} and haven't begun collection process for their most recent blunder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have constantly disputed to Experian the following inquiries on my credit report that were not authorized by me. The following inquiries were not authorized and I have sent XXXX a FTC Idenity Theft Avadavit to support my idenity being breached. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I HAVE NEVER GAVE THESE COMPANIES ANY AUTHORIZATION TO PULL MY CREDIT AND WOULD LIKE TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY. FOR THIS IS PUTTING A HARDSHIP ON MY FINANCIAL OUTLOOK ...
Product: Money transfer, virtual currency, or money service

There is a large scam ring on XXXX that is listing estate sales and accepting deposits for items. My wife did not properly research the validity of the listing and {$1000.00} was sent as a deposit to an individual who received the money via Zelle. I quickly realized it was not who the money was intended for and raised the concern with Zelle and they refused to provide any details or attempt to get the money back. It appears Zelle as a company will side with the criminals every time which is not a great look or good business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am owed a refund of {$230.00}. I called customer service 11 times as of XX/XX/XXXX, and given 11 different lies. I paid a waste bill because it came to my home. I had no idea it was the responsibility of Midland Mortgage Company. I faxed them documentation over and over along with the checked that cleared and cashed. They received the monies because the sent me a letter dated XX/XX/XXXX.
Product: Student loan

I 'm a cosigner on a Wells Fargo Student Loan, paying {$500.00} every two weeks against a $ XXXX/mo payment since XXXX 2012. All was well until XX/XX/XXXX when - for no obvious reason - the payments have started to fall behind the date due. All communications with Wells Fargo directly through their preferred Message Center point of contact has been unsatisfactory ( to say the least ) and there is zero information available on the web page that tells me what loan is being paid on when. All I have from Wells Fargo ( aside from the obvious definitions of loan terms ) is " If you have more than one loan combined into a single account, payments will be distributed among the loans as described above whether there is a separate billing statement for each loan or if multiple loans appear on one billing statement. Unless you request otherwise, Wells Fargo will distribute your payment in a manner that seeks to reduce the amount paid over the life of the loan and help protect your credit history. '' I have no billing statement, and I 'm being stalked by WF daily - help?
Product: Bank account or service

An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Bank of America. The check was endorsed for deposit only in my business account with XXXX. Bank of America accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.
Product: Credit card or prepaid card

This just proves that XXXX and XXXX Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are 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 Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

jpmcb - card service isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 XXXX XXXX is reporting as an inquiry on my transunion report and i never applied for this company either, XX/XX/XXXX, XXXX,
Product: Mortgage

Recently our mortgage was sold to Mr. Cooper. Due to an escrow shortage our monthly payment increased about {$400.00}. I called Mr. Cooper in XXXX and was offered multiple options to spread out the payments or change the minimum balance in the escrow account. After discussing with the representative we decided on spreading the payments out over 12 months ( keeping the increase at $ XXXX XXXX, but they offered that I could call back and spread it out over a longer period of time or reduce the minimum in the account if needed. 

Due to COVID-19 both my husband and I are temporarily not working. I called Mr. Cooper to see if I could spread the escrow payment out over a longer period of time to give us a little bit of cushion during this time. I was told the policy was changed in XXXX. I asked if they had informed customers of this change and they did not. In the policy change they also stopped the ability to change the minimum amount in the escrow account. 

The representative reiterated multiple times that " no one else had called with this problem '' to undermine my complaint. They also said " it ( the company policy ) was changed in the system, there's nothing we can do ''
Product: Debt collection

On XX/XX/XXXX I believe a charge of XXXX, dollars was charged to my credit card for navy federal credt union. Once I saw the crazy amount charge to me I called navy federal. My credit limit is XXXX how was XXXX was use I have no idea navy federal told me that I was at fault and didnt even do an investigation. I was found in the wrong and was told that there was nothing I can do. I believe that is not fair because I had no idea that it was even possible to charge that amount when you have a limited of XXXX  They told me i had to do a police report but they couldnt do nothing to help me and i had to pay back the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau regarding a collection account that I do not believe I owe as it is from North Carolina at a time when my husband and I were in California. I asked for proof of where this random debt came from twice via certified letters once in around XXXX and I resubmitted a request for proof at the end of XXXX. It is currently XX/XX/18 and I have yet to see any documentation regarding this bill/collection account ( XXXX ) from the credit bureau or the collection agency.
Product: Mortgage

I am a XXXX XXXX XXXX called to XXXX XXXX on military orders and have two loans with Navy Federal Credit Union, including a home equity loan. I requested XXXX benefits, primarily to lower my interest rate to the required minimum of 6 % on XX/XX/XXXX, which is the day my XXXXXXXX XXXX XXXX  started. They have confirmed they received my request and verified my eligibility but have not applied the benefit. I have called multiple times ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) and they refuse to even give an estimate for when it will be applied to my accounts. 
The website says allow 30 days for benefits to be applied, and on the phone they have told me they are behind and it could take up to 90 days. So far it's been 128 days and counting. I am unable to reach anyone willing to help resolve this issue.
Product: Debt collection

Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$1600.00} or my account was charged off ]. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

I sent in a dispute for an energy bill I never had. Experian only allows you to pick from the list they provide. I chose that I never had this account. Literally in less than XXXX hours they reply back that the information is correct on a Sunday night at XXXX PST. Nothing was investigated at all. They have done this with other disputes also. I also had read issues with them putting negative credit reports from my rent and I had to spend all week getting it rectified. They dont investigate any disputes at all
Product: Credit reporting or other personal consumer reports

Account # XXXX - 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian failed to assure maximum possible accuracy on my credit report. After reviewing my most recent credit report, I noticed three- thirty days late payment in the month of XX/XX/2022, XX/XX/2022, and XX/XX/2022. It's impossible for this account to be late while XXXX are reporting on time payment for the month of XX/XX/2022, XX/XX/2022, and XX/XX/2022.
Product: Credit card or prepaid card

I opened an Apple Card through Goldman Sachs on XX/XX/2023. I was given a {$10000.00} credit limit and began using the card as my primary credit card while on vacation. I charged about {$3500.00} in purchases, well below my limit and paid the card off in full well before it was due. Without notification or explanation my account was restricted. I was rejected from using the card for any purchase. I contacted customer service on XX/XX/XXXX to find out why my card was restricted. The representative could only tell me it was under review and that they would escalate my concern. I contacted them again on XX/XX/XXXX and XX/XX/XXXX and each time I was told the same thing that my request for an explanation could not be addressed by them and they could not get a supervisor on the line to explain. I can not understand why I would be denied credit after being extended a credit card with a significant limit that I promptly pay. This is terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than several years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate