23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Today I have contacted y'all to see if y'all have got my disputes to claim letter I upload online on the secure document center yesterday on the XX/XX/20. Y'all agents told me y'all never got it, and I would need to make a new dispute, and they never send me the dispute letter to my email today, and I am still waiting for it, and I need to dispute {$25.00} XXXX  XXXX XXXX  for cancellation services.
Product: Debt collection

Ive noticed over the past 4 months Innovation Recovery has made slight changes to the account that they are reporting to XXXX to impact a significant drop in my credit score. In XX/XX/2020, they reported the same dept with their name altered to IR without contact information. After I researched this collecting name and debt, it directed me back to this company ; I called and the agent XXXX said it was nothing that could be done and a member of management was not available. XXXX IR was removed from my report but the damage remained the same.
Product: Student loan

I called on XX/XX/XXXX to request a refund of payments made since XX/XX/XXXX under the CARES Act and the rep said she would submit the request. However, there is no confirmation given and the timeline to reinstate my loans and to get the refund varies significantly to other servicers. In addition, I called back on XX/XX/XXXX to ensure my request was submitted and this rep said a complete different timeline and is no sort of confirmation available. I am essentially in the dark on whether or not these payments will get refunded to me and when. There is a lack of standardization and transparency regarding getting payments refunded.
Product: Mortgage

I applied for a mortgage refinance with 5/3 Bank, with XXXX XXXX XXXX NMLS ID # XXXX ) XX/XX/XXXX. As of writing, XX/XX/XXXX, my loan is still not processed. While undergoing this process, I applied for a loan refinance with another bank on XX/XX/XXXX, which closed on XX/XX/XXXX. 

Initially process went smoothly, spoke with XXXX XXXX on the phone, submitted application online, and shortly after was asked to submit additional documentation. Nothing surprising or out of the ordinary yet. In XXXX, I started being asked for the same documentation I had supplied in literally the email that was being replied to by XXXX XXXX, the mortgage processor. The process was taking so long they had to pull my credit report again. This is when I applied with another bank. Email responses started taking weeks in XXXX and XXXX. XXXX XXXX would not answer phone calls during normal business hours, and would not call me back in response to direct email asking for a call. 

To highlight the gross ineptitude shown, employment verification was needed from my previous employer. I spoke to the employer 's office manager, so this was something they were waiting to do. An email sent to the employer on XX/XX/XXXX could not be opened by the office manager. They replied on XX/XX/XXXX with this information. On XX/XX/XXXX XXXX XXXX asked XXXX if a form could be sent. On XX/XX/XXXX, I sent a follow up email. On XXXX, XXXX replied that she asked if could be faxed. I'm not sure who she asked, because it was not to me or the office manager. Only on XX/XX/XXXX did she mentioned she needed a fax number, which she stated was requested ( but I have no emails from her requesting that ). So it took almost 1 month for someone from 53 to verify my employment, which required me to send multiple emails, phone calls and personally provide information that should have been requested/coordinated by the bank. 

I don't know if 53 bank does not wish to lend to me because of my race, religion, name, sex, whatever ; maybe they are so busy that refinances take more than 6 months for everyone ; this is just a case of gross incompetence ; or if this is a combination of all of the above. But at this point, another bank took <30 days to do what 53 could not complete in >6 months. I consider them to have abandoned my application and am requesting a refund of my {$450.00} loan application fee.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed negative items on my credit report that was not accurate.
Product: Prepaid card

On XX/XX/2024 XXXX funded my direct deposit to my Chime account of {$780.00}, It was not posted to my account. I checked my XXXX portal to see if it was indeed sent and it was. I also called my employer and had them check with XXXX to insure that it had been funded. I called Chime Customer service for the first time the afternoon of XX/XX/XXXX and was told that they did not have my deposit and it was " in process '' with one of their partner banks and since it was done on Friday it should post Saturday XX/XX/XXXX. I checked the account on the morning of the XXXX and it still had not posted. I called customer service again and was told that they had no record of my deposit and that processing did not take place over the weekend and I should see my deposit on Monday XX/XX/XXXX. Again, I checked my account and it was not there. I called customer service again and got the same scripted nonsense that they did not have record of my deposit and had no way to find my money. I check the account again this morning XX/XX/2024 and it still was not in the account. Once again I called customer service and got the same response " They do not have record of my deposit and have no way to track the transaction. '' I asked to speak to a supervisor and was told that they could not transfer me to anyone and if I wanted to speak to someone else I would have to call back. I have been patient until today, but today I was not nice and in fact quite rude, because they have put me in a very big financial bind now and I wanted some answers that they are not prepared to provide. Chime 's customer service is a joke and the organization appears to be a giant scam. The online reviews seem to bear that out. I only wish that I had read them prior to becoming mixed up with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I faxed in all necessary documents to Equifax to remove my security freeze including my SSN, drivers license and written memorandum. My mortgage company informed me of the security freeze and I was unaware because I never placed a security freeze on my account. Now Equifax is refusing to remove my security freeze and refusing to release any of my information to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15U.S.C 1681.Section 602 A. States I have rights 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies are obligated by the FCRA to report accurate accounting. XXXX XXXX XXXX XXXX reinserted a few accounts that I recently disputed as fraud on my consumer report. I advised the consumer reporting agencies that ALL accounts and inquiries reported was fraud. I advised the consumer reporting agencies that they had 4 business days according to LAW to remove such items ( inquiries, accounts ). FTC fraud report was filed on behalf of consumer ( me ). I am now requesting the consumer reporting agencies to provide the documentation used to determine inquiry or account was indeed authorized by me the consumer in fact. The consumer reporting agencies has 15 days to provide me with documentation used, name of the person spoken to, signed application with consumer wet ink signature giving permission to have said items be reported. I am not asking for an E-OSCAR report or E-OSCAR documentation. If consumer reporting agencies ( XXXX, XXXX, Transunion ) does not have documentation showing that these were in fact authorized by me, ( the consumer in fact ) it must be removed asap. The consumer reporting agencies companies are liable under the U.S. Securities and Exchange Commission to follow certain rules. 

See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear administration, Thank you for your help, my address changed for real now, however Experian send me a letter where wrote all my credit report correct and credit what was paid full and this request do my husband XXXX XXXX for finance a car, not removed. 
Three request what I never do not removed too. 
I do understand from this letters any member of family credit request can be added to my credit report if they need or someone want? What about neighbours in my area? Second questions, - I have XXXX grandchildren, are you add their request to me too? 
Please remove credit request from my report what I never to do! 
I do not request cars finance, I was send you a list request what was done by me! I am do not request you clear all my report, part request I do. 
My opinion a person who make this mix in my credit report try still information and take green card for self what is illegal, they try still date. 
Please help me, alternative I must be move this evidence to the court. 

Best regards, XXXX XXXX
Product: Prepaid card

Received a {$100.00} gift card for our XXXX XXXX XXXX. I verified it was active and the balance before I tired to spend it. I tried several times in a store and once on XXXX. It would not go through. I contacted American EX XXXX XXXXXXXX and lodged a complaint on XX/XX/XXXX. They offered to cancel that card and send a replacement card. I refused and requested a check. I XXXX  this issue and many, many were saying the replacement card was bogus too. Amex requested name, address, etc. I furnished the information. At that time I was given a case # and was told it would take up to 3 weeks. 
Case # XXXX. I waited until XX/XX/XXXX to call back. At that time I was told in takes 21 days, to the check should be going out the next day ( the XXXX day ) I never received the check. I called again about a week after this. He put me on hold to talk to his " supervisor '' to what can be done. Came back and said a check will go out immediately, but will take be XXXX XXXX XXXX  business days. That was at least XXXX weeks ago. I have not received that check as of today XX/XX/XXXX. I am tired of their lies. They do not intend to honor the card or honor sending a check. I will not call then again just to hear their lies. I noticed that many, many people have had to enter a complaint to get the $ refunded, I have gone above and beyond to settle this with Amex. My family that gave this to us really couldn't afford to give us this, but wanted to anyway. My understanding is the gift card was purchased at a XXXX XXXX XXXX. How sad is it that? AMEX pulls this on hundreds of people. They are making XXXX or more on these gift cards that can't be spent. Please help us get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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
Product: Mortgage

On XX/XX/2022 I got a collection call from First United Bank who holds my mortgage. I have had my mortgage with them and refinanced with them as I love their service and process. However, today, they called due to being past due on XX/XX/XXXX payment, which I am not due for, as they miss applied a bi-weekly payment to principal curtailment instead of unapplied balance waiting for the second half of the payment to come in. I have paid my mortgage with them this way for at least 2 years via XXXX XXXX XXXXXXXX online banking who sends them a check every-two weeks for the payment. ( see payment history ) When they called, it was easy to see, but since they said it was not a banking error, they would not reverse and reapply the payment as a partial payment, which would make XXXX XXXX. 

This is crazy and so simple, even if the inventor had been advanced the payment, that can be easily corrected and not make me, who has paid perfectly and often times in advance have to pay again a partial payment. 

As I called during the initial set up as I started these payments to be processed and ensured they would be processed right and followed up for a few payments to ensure they were going to unapplied then to full payment with a fraction, less than {$1.00}, going to curtailment. Again, this has been done on my loan with them for over 2 years, which this is the 2nd loan with them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to TransUnions failure to investigate my disputes in violation of FCRA regulations. According to TransUnion 's website, they outline the acceptable forms of ID verification required for disputing inaccuracies on credit reports. I followed their instructions and submitted the proper verification. However, instead of processing my disputes, they sent me a letter claiming that my disputes were not submitted by me and that they would not proceed with investigating my claims. 

XXXX engaged in the same conduct, also in violation of the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputes. Meanwhile, XXXX failed to respond to my disputes altogether, further violating FCRA guidelines. 

I have attached all affidavits sent to each credit bureau, along with the exact same forms of ID that were submitted with each dispute. Please review the attachments for further details. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I

previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your respo
nsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.

Please send me a letter explaining your findings and actions. 

INQUIRY 'S XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX/XXXX, XXXX/XXXX
Product: Money transfer, virtual currency, or money service

PayPal Is well knownAnd from research that I've done on my own this is why they put ahold on your account it's because that's the only way they make money when they put ahold on your account they then gamble with your money trade it on the stock market and then 9 times out of 10 they will not remove the hold and that is what they Did to me the. I have XXXX I used to get paid through using PayPal by my clients a lot of them Never had an issue with PayPal until around XXXX of 2020 I had transferredMost of it to my bank but it had left The {$2100.00} In my PayPal All of The setting my account is restricted I did everything they asked and they never Released the hold PayPal is nothing but a scam and thievesDid n't violate any of their policies or rules or have any suspicious activity. That's just a big XXXX  lie they tell people Because PayPal does not make money on their products they make money by putting ahold On consumersOn consumers Account so they can gamble with that money then they usually never end up releasing They act like they're a bank but they're not So I am rescending my signature for the contract they supposedly have but can't produce. I want my money back They are breaking every law in this industry they can't just take people 's money and keep it even though that's what they do it's because nobody seems to shut them down and they should be shut down Because they are scamming hard working consumers money Like Pirates
Product: Credit reporting or other personal consumer reports

2 Reasons for dispute : This account appears to be a medical bill, and I believe its inclusion on my credit report is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ). 

I am disputing the validity of this third-party collection account as it is unauthorized. I have not entered into any agreement with this company nor given them permission to access or report my personal information. Under the Fair Credit Reporting Act ( FCRA ), I request the medical third party account be removed.
Product: Checking or savings account

The banks are holding our funds too long when ordering from sites like XXXX or XXXX delivery. They authorize an amount greater than the overall purchase amount and hold on to t the extra funds for far too long XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX****-Balance {$7300.00} XXXXBalance {$0.00} XXXX XXXXBalance {$3300.00} XXXXBalance {$37.00}
Product: Vehicle loan or lease

I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a  validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.
Product: Mortgage

Compliant filed against BB & T, complaint # XXXX that was sumitted to CFPB on XX/XX/XXXX, but BB & T has merged with Suntrust and the new name of the bank is Truist. 
It is my belief that Truist Bank, knowingly serviced this accounts for XXXX XXXX who I feel are practicing questionable and possibly predatory lending practices. 
Truist bank has filed a Lis Pending on the behalf of XXXX XXXX and itself against % 50 interest in property that was purchased under Joint Tenancy that was collateralized without consent. 
If is my belief that XXXX XXXX, dealings in XXXX was extremely questionable and predatory and their lending practices should be investigated by all proper government agencies who are willing to sift through the maze of paper work to come to a just a fair conclusion concerning this matter.