23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going since XXXX XXXX.
Product: Checking or savings account

In approximately XXXX I allowed an acquaintance to cash their check through my bank account. I found out during my Wells Fargo Mortgage reinfi in XX/XX/XXXX that they added her to my account.. On XX/XX/XXXX she wrote a letter stating it was never her account, she never used it and had no access and to delete her name from my bank account.. This document was made part of my refinance documents. Wells Fargo promised in XX/XX/XXXX to remove her from my account but failed to do so. The bank allowed them to withdraw from bank account {$500.00} on XX/XX/XXXX & {$300.00} on XX/XX/XXXX. I found out yesterday XX/XX/XXXX and closed the account and opened a new account without this person name. Only to find out later that evening that they put her name on the new account. She put bank {$700.00} last night because I told her I was going to have her arrested. Then I found out that she did all this over the phone. Plus Wells Fargo told her exactly how much was in my separate savings account, which isn't linked. I am concerned that my money is not safe in this bank.
Product: Mortgage

BB & T Mortgage holds the mortgage on our investment property. We have repeatedly received incorrect annual escrow account disclosure statements over the past several months. Each time I have called BB & T to point out the incorrect insurance amounts. I've been on hold for hours, to be transferred to their insurance department, who confirms the anticipated escrow disbursements are incorrect and overstated by several thousand dollars. The insurance department transfers me back to the mortgage customer service line, stays on the line with me and confirms the amounts are incorrect and a new escrow calculation is ordered. But each time I receive the new/updated escrow disclosure statement it is still incorrect. On XX/XX/2022 BB & T charged us the new payment which is at least {$200.00} more than it should be because of the overstated anticipated insurance payments. My insurance payments, confirmed by both my insurance agent and the BB & T insurance department are as follows : {$2100.00} Hazard/Fire, {$820.00} flood front, {$710.00} flood rear/garage, {$1500.00} windstorm. The most recent escrow statement dated XX/XX/2022 lists the following : Hazard {$1000.00}, Flood {$820.00}, Insurance {$1500.00}, Insurance {$2200.00}, Insurance {$1000.00}. The flood insurance for {$710.00} is missing on this statement ( and has never appeared on any previous escrow statements ) and instead two " insurance '' policies are listed at {$1000.00}. I am being grossly overcharged and BB & T is unable to fix this problem despite the fact I have called in XXXX and twice in XXXX to fix the incorrect statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I wrote a TransUnion a letter in good faith requesting they delete inquiries on my credit report that were previously deleted and re-added after computer glitches in XX/XX/XXXX and again in XX/XX/XXXX. The two glitches were the problem and error of TransUnion. By not giving me 5 days notice they were re-adding the deleted inquiries back on my credit report, they violated my rights. They responded with a letter denying to remove the inquiries. The deleting and then re-addding due to their glitches has caused a hardship for me along with violating my rights. I asked for the CFPB to help stop TransUnion from continuing to victimize me by requesting all the TransUnion inquiries be deleted from my report by already submitting one complaint on this issue. TransUnion responded to the complaint and again refused to delete the inquiries they added back on my credit report without giving me the proper notification before doing so. In response to this, I refuse to accept the results! TransUnion should not be allowed to mock the CFPB 's authority and continue to victimize me by ignoring my rights!
Product: Credit card

So Im reporting this company for their fraudulent practices as I am tired of dealing with them honestly and I need this rectified, as per advice from my legal representation before litigation commences against Chime and all its subsidiaries, Im giving this last chance. as this is an old case and something that should have already been dealt with years ago. I have filed multiple FTC Affidavits as well as went as far as filing a police report to show that I DID NOT OPEN ANY ACCOUNTS WITH CHIME! I have never had any dealings with them at any point in time of my life. I only knew who they were due to them putting a credit card on my credit reports ( that I never had ) to which I promptly notified them and from that moment on I have done everything to prove this is a fraudulent account and they refuse to accept it. And the sad part is that the balance on the fraudulent account is only {$500.00} somehow they allowed someone to run up a {$500.00} tab on them. This is beyond ridiculous honestly, as Ive done everything legally possible, other than sue. If a police report isnt enough, I dont know what to do. The police investigated and found that there was no proof that I opened it, along with my personal identifying information ( SSN Card, ID, Passport ) being stolen years ago was all they needed to believe that this was all fraudulent. Chime is the only ones not cooperating because they are scared to lose out on {$500.00}? really? I want this fraudulent trade line off of my credit reports IMMEDIATELY! So what do I have to do to do that? Pay something towards the {$500.00} if you all agree in writing to delete the fraudulent trade line from my credit reports? Do I need to do something else? Or do I really have to continue with legal proceedings? Like its not that serious. At all! So go ahead and rectify this situation and delete this fraudulent trade line off of my credit reports. To save us time and trouble and most importantlymoney.!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  has violated my rights, they are reporting late payments to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX  ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have reached out to XXXX XXXX XXXX XXXX they have yet to reverse the late payment or report it OK USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX XXXX XXXX  permission which is another violation. My complaint is also with TRANSUNION who is allowing XXXX XXXXXXXX XXXX XXXX to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. I sent a letter to Trans Union notifying them of the violation but they are still reporting the payments late as well.
Product: Checking or savings account

On XX/XX/XXXX I put an envelope with a {$63.00} check to XXXX XXXX in the mailbox near my house. The next day a postal worker took my {$63.00} check from the mail and gave or sold it to another man who forged his name on that check as well as a new amount of {$9200.00}. He cashed it at his bank ( XXXX XXXXXXXX XXXX ) on XX/XX/XXXX and my bank ( CHASE ) transferred the money out of my account. 

The postal worker has been arrested ( XXXX XXXX XXXX  ) but here 's the challenge, CHASE won't give me my money back. 

CHASE keeps telling me to wait, but it's been 4 months. CHASE also says it's up to XXXX XXXXXXXX XXXX to put the money back, but it's CHASE I trusted with my money and they took the money out of my account. 

I have the carbon copy of my original check and a picture of the forgery that can be provided. I've filed a police report and have all the documents needed. 

Here is a timeline of my attempts to get the money back : XX/XX/XXXX noticed fraud and called Chase, they said theyd mail me documents and couldn't e-mail them or fax them ( unnecessary delay ) XX/XX/XXXX went to local Chase branch, banker filled out forms, notarized, and faxed them in to Chase fraud XX/XX/XXXX Chase fraud department says they were not received and gave a new fax number. I went to local branch again and they faxed to both numbers XX/XX/XXXX local Chase branch overnighted documents to Chase fraud department and said they were signed for XX/XX/XXXX XXXX XX/XX/XXXX called Chase fraud, documents still not received, asked for supervisor, local bank uploaded documents XX/XX/XXXX Chase finally puts a date stamp on fraud documents, 60-90 day window begins. Received letter Were working with another bank on your check claim XX/XX/XXXX called Chase fraud department, no update XX/XX/XXXX local bank calls Chase fraud department who says they are at mercy of XXXX XXXXXXXX XXXX, which I took issue with. With $ XXXX in revenue, I said they should put the money back in my account instead of waiting for XXXX XXXX XXXXXXXX since they allowed the money to be taken out of my account without any notice XX/XX/XXXX call from Chase escalation department who says there is nothing they can do, just have to wait for investigation to be completed, could be over 120 days XX/XX/XXXX - meeting with local Chase, who tried to have money put back by claims department but was told they don't have the authority and that I should call XXXX XXXX  XXXX XXXX The Chase claim numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies  and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

To whom may I concern. 

Around XXXX 2015 I got behind in my mortgage payment do to a laid off work. I was trying to have my lender to help me with the late payment witch they did, but it was one late payment, they did refinance the loan and put the payment to the loan. and it was a first tryout for Three months until the process was done.. 

But my problem with the lender is they keep reporting late every month for the time of the process begin until the new loan started, now I carry almost six late moths in my credit report, I cant get them to change that information, they just wont do anything else I have no other options but just keep with anger and frustration with my lender company with is PennyMac ... 

is hard to get a reasonable loans with options of higher interest rates, thanks to that. 
I wander if is anything the I can do to have my lender stop reporting inaccurate information, or if the information is accurate if so, how can I fix that in my credit report.
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery XXXX and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported an inquiry on my Experian credit report. There are no permissible cause for this inquiry. No line of credit were offered, no loan was extended. To continue reporting this inquiry on my Experian credit report it's a violation of FCRA rules section 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at : Account Name : XXXX XXXX Account Number : XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I believe Patient Accounts Bureau is attempting to extort money from me. In XX/XX/2022, I received the attached bill for {$35.00}. I attempted to pay online through my bank but Patient Accounts bureau waited weeks to deposit this check against my account so by the time funds were depleted. Therefore, I was charged a returned check fee by Patient Accounts Bureau. I was told my bill had escalated to over {$110.00}. I do not understand how a {$35.00} bill escalated to this amount, even with the returned check fee included, but nevertheless, I paid {$110.00} on XX/XX/2022 on their online pay portal of their website. This payment was successfully processed by Patient Accounts Bureau but they failed to record a payment history on their website ( see attached ). There is no payment history on their website to give the customer an idea of the payment history. Since there is no payment history, they failed to record my payment of {$110.00} which I paid on XX/XX/2022. 

It appears that the {$110.00} payment was never applied to my balance because there is still an outstanding balance of {$70.00} ( see attachments ) showing on my balance at Patient Accounts Bureau. 

Patient Accounts Bureau never applied my payment, they do not have a payment history ( see attachment ) recorded on their payment history and I think they have overcharged me by escalating and adding fees to my original balance of {$35.00}. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable investigation 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 Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where equifax has neither corrected nor removed disputed items despite the evidence I provided, causing harm to my credit standing. I am requesting immediate corrective action to remove. As equifax inactions violates Federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

I have a loan through Coastal Credit LLC that I have been paying on for nearly 3 years. Mostly all of my payments have been on time or early. I have even asked them at one point about refinancing the loan for a lower interest rate, they told me they do not do that. I found that to be odd. A few months ago, I received an email stating that qualified for a payment deferment, i replied back that I would be interested as it was near the holidays and it would be nice to have some extra money. I got a response that it was sent to me in error and I did not qualify. The representative on the other end of the email was terrible! These past couple of months have been rough, my husband has fallen quite ill and I have been struggling with bills, Im still making my payments but late, well within a 15 day grace period but I was informed today, they have no grace period and they continuously harass me, my family, friends and call me at work multiple times a day even if I have communication with them! I have told them to stop and they wont! It is flat out disgusting! I have even given payment dates and I. Always pay when I say I will! I am at witts end with them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 
XXXX.In accordance with the Fair Credit Reporting Act XXXX XXXX Delaware Account XXXX XXXX has violated my rights. 
XXXXIn accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act XXXX # XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act THE XXXX XXXX XXXX XXXX has violated my rights. 
XXXX. In accordance with the Fair Credit Reporting Act 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. 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. 

Thank you for your prompt attention to this matter. 
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 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