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

XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( Retailer ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto XXXX Hard inquires hit my credit report without my permission
Product: Money transfer, virtual currency, or money service

I submitted a complaint against XXXX XXXX in regards being charged returned check fee multiple times for checks and returned fees for checks returned fees that were resubmitted to my XXXX XXXX XXXX XXXX checking account. This is my complaint number : XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX  request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked XXXX to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check with backgroundchecksXXXX  Shows two addresses linked to my social security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never lived at these addresses and I believe this to be from identity theft. The information is inaccurate.
Product: Mortgage

I have been called three times by a mortgage company. The first time I got their info and told them to take me off the list. Then they called again two hours later and again the next morning at XXXX. They are harrassing me. All three times I've told them to take me off the list.
Product: Checking or savings account

Fraudulent checks being cashed against my chase checking account and no ability to get refunded from the Chase Bank. Called ( XXXX ) XXXX on XX/XX/XXXX was put on hold for 1hr 41min with no answer. Called the local branch on XX/XX/XXXX, they told me only option was to call the above number. Called ( XXXX ) XXXX on XX/XX/XXXX, received a call back and talk to a representative, they said they needed to put me on a brief hold to verify my account, put me on hold for 20 min then disconnnected me. To date, they have allowed {$8000.00} in fraudulent checks to be cashed against my account despite claiming to provide a zero liability guarantee. Additionally, I went online to enroll in check monitoring to provide additional security go forward as recommended by the branch, and when I tried to setup on XX/XX/XXXX received a message " This part of our website is not currently working, please try again later '' ; tried 3 times, none worked.
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 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate this account : XXXX that is with XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXXcredit card, account number ending in XXXX. This account is showing as a charge-off and it is derogatory on my Experian credit report. I recently paid the account off, but it hasnt been updated on my credit report. Experian says I cant dispute this account anymore and says that I still owe a balance of {$1000.00}. 
I have proof that I paid the account off. 
I contacted XX/XX/XXXXXXXX about the account and they stated that the account is managed by XXXX XX/XX/XXXX. XXXXXX/XX/XXXXXXXX is a collection agency. 
I contacted XXXXXX/XX/XXXXXXXX law firm and paid the remaining balance of {$850.00} to close the account. I have the receipts and the account number with XXXX XX/XX/XXXXXXXX law firm. 

XX/XX/XXXX XXXX account ends in XXXX XX/XX/XXXXXXXX account : XXXX Confirmation number of paid off account : XXXX XXXXXX/XX/XXXXXXXX collection agency phone number : XXXX
Product: Money transfer, virtual currency, or money service

Zelle has been violating consumer financial protection laws. Engaging in unfair, deceptive, or abusive acts and practices. Zelle had no security features leaving me vulnerable to fraud and scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from Experian Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX Experian received my letter certified mail on XX/XX/XXXX. They replied on XX/XX/XXXX with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' Experian, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.
Product: Checking or savings account

On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.
Product: Debt collection

On XX/XX/19 I received an email saying my check was being garnished XXXX by a company named FH Cann & Associates I was immediately concerned because I have never contracted with this company and I was concerned some type of fraudulent activity on my SSN so I gave them a call and had come to find out that they were garnishing my check for a federal loan that I hadnt received any correspondence from in years and in fact have sent out numerous letters to to try and verify that de debt existed without any response and on my credit report it was noted to be Charged off. Anyways they informed me that they sent mail to an address that I havent lived at in over 5 years and that they can me an opportunity to respond which is a lie. No I have to file a complaint in court for improper service and hope this ends the garnishment and I can negotiate to manage the debt. This is causing me extreme hardship and I hope this can be handled correctly moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 my account with XXXX  acct XXXX, whom was my mortgage company was payed in full..i then wrote a complaint here regarding the incorrect report to XXXX, transunion and XXXX   regarding the listing of status of loan..in which at that time still listed the account as 120 late but with no past due and XXXX  balance.. XXXX  did correctly list the payed off account as paid in full with lates ..which is correct..but to this day on the transunion and XXXX   account reporting it states : status of account. 120 late..in which is not correct..also the two are reporting just no past due..XXXX  balance..
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( XXXX )
Product: Debt collection

This is about discrimination and violations of Federal Laws and also California and Nevada laws. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators. 

Apparently this is how this out of State legal firm uses its tactics to terrorize innocent minorities and long suffering protected members including the aged, undocumented immigrants, LGBTQ and persons of color! Help! 

These people have been subjecting us to terrorism for a long time now. They were explicitly told to never call again as there has been death in the family, a XXXX and XXXX victims. But no, they continue to call over and over and over and over again. We have the proof. The calls usually last less than a minute each call, but its so many harassments each day! Both in English and in XXXX. 

We think its Political hatred! We have been seriously damaged by them and are living in fear because of them. Patenaude & Felix, a XXXX XXXX collection agency with a couple of lawyers, are the terrible perpetrators.
Product: Credit card or prepaid card

I accidentally paid the wrong credit card in my Bank of America account. I have 3 cards, I paid {$8000.00} on XX/XX/XXXX a week later I called and asked them to transfer the payment to the other card. There has been a credit on this account for more than 6 weeks and a debt on the card I want it transferred to. I have called 5 times. I was told last week it would be handled by Friday. It wasnt! I called yesterday and they told me they would call me this am and tell me the status. The did NOT call. This is extremely excessive to transfer a credit balance from one card to another.
Product: Credit card

*I read the below today on XXXX. Below is the copy and pasted article. This exact thing happened to me with the Credit Protector Benefits. They were grossly overstated, not honored, and changed around without my knowledge on several occasions with both my primary Citi Bank Credit Cards. This caused me to lose credit rating points and ultimately prematurely unable to pay back my obligations because of this. I complained in detail through other third party agencies in the past. How can I see assistance formally through your agency? I saved all the detailed XXXX and Citi bank records in case this very thing happened to others. I was supposed to have debt forgiveness and extension options as part of the credit protector, which Citi refused to honor. How can I file a claim as stated in the below article? 

Article taken today from XXXX ; describing my same concerns court outcome : '' Citibank ordered to pay customers {$700.00} XXXX : '' The federal government on Tuesday ordered Citibank to pay {$700.00} XXXX to customers it said had been overcharged by the bank. 
The Consumer Financial Protection Bureau also ordered the bank to pay {$35.00} XXXX in penalties associated to the overcharging and for the bank 's use of " deceptive marketing '' techniques. 
The bureau said that XXXX XXXX customers will be compensated in the pay out, which includes XXXX XXXX people overcharged directly by Citibank and another XXXX XXXX customers of the bank 's subsidiaries. 
Between at least XXXX and XXXX, Citibank -- which is owned by Citigroup ( C ) -- enrolled those customers in credit monitoring services or programs promising to defer payments or forgive debt in the event of job loss or another financial hardship. 
But the CFPB said when the bank signed people on to those programs, it misrepresented fees and overstated the benefits. It also used " leading questions '' and " construed ambiguous answers '' in telemarketing calls, according to the bureau. 
Citibank has already paid some customers back. " Affected customers will automatically receive a statement credit or check and those no longer with Citi who are eligible will be mailed a check, '' Citibank said in a statement Tuesday. 
The bank said in a statement that it " fully cooperated '' with the CFPB investigation and the first repayments went out in XXXX. The company added that it has set aside money for remaining paybacks. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request XXXX to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately.

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached.

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit.

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.
Product: Credit reporting

Got an email from Transunion telling to look at a credit report, they want my credit card for verification, a few days later s=charged my banl {$17.00} without any notice or authorization. I closed it immediately but still am being charged. Why is this not illegal? I saw no checked box authorizing this and I check all the time. 

This is an awful company preying on people with credit problems and poor people. Charged XXXX no less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet was lost and someone used my information
Product: Mortgage

We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX XXXX  now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX acct # XXXX XXXX XXXX : XXXX XXXX *
Product: Credit reporting or other personal consumer reports

An improper XXXX charge had been removed from my credit report twice, and hours had been spent on the phone. XXXX years later, Jefferson Capital Systems submitted the same bogus claim to the credit bureau, leaving me no recourse. I thought the matter had been finalized, so I no longer have the documentation I had then. The only documentation I have is the XXXX XXXX below with the date that can be seen online. 

XXXX - XX/XX/year> I usually don't post on XXXX, but I have just run into the most horrendous customer service I have experienced in my life and need to warn anyone who will listen that you need to compare service options and leave XXXX XXXX as soon as you can. 
I had been a XXXX customer for as long as I can remember. Over 20 years. I had an eight-gigabyte plan and started running over my minutes listening to music in my car. I called to find out how much an unlimited account with XXXX lines would cost. I was paying {$120.00} a month for the eight-gig plan and was amazed to find out it would be a little over {$100.00} a month for the unlimited plan. I then found out the unlimited plan had been cheaper for a long time. I still don't know how long. 
I made a quick comparison and found a XXXX unlimited data plan for {$70.00} a month. After several transfers and over an hour on the phone, I finally got my XXXX XXXX disconnected, and they told me I would be getting a check for {$2.00} for the balance of my prepaid month of service. 
I was surprised to find my automatic billing had been charged the next month for the full {$120.00}. I tried to log in online to customer service, but I couldn't log in because I didn't have an account. I called customer service, and since I didn't have an account, I couldn't get through to a customer rep. I call sales, and they sent me to customer service. Customer service agreed with the charge needing to be reversed and sent me to finance. Finance told me that they could reverse the charge but couldn't stop me from being billed again. WHAT??? Hours of my life I am not getting back. 

I dispute the charge on my card, and the credit card company credits my account. This month, the charge shows up again, another hour on hold, another complete runaround, and a waste of time, and I'm so angry that I hang up before I take it out on the poor customer service rep who is trying to do her job for a company that hasn't a clue. 

I call the credit card company, and they agree to send a letter to XXXX requesting to stop the charges and block them from rebilling me. I am saving all my documentation because I have now gotten a late notice and a threat to report me to the credit bureau. 
The moral of the story could be to keep letting XXXX rob you and never leave because they will make your life XXXX for going, or you stand up to the incompetent, corrupt bastards and find a better deal. The choice is yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried reaching out to this company several times with no resolution this company is reporting incorrect information to my report and refused to remove the account and they are in violation of the FCRA which in return I will have to continue to pursue further action. I hope this company is aware of the many fines they can receive and cost of this false reporting. If you take a look at the last statement on their website and what they are reporting the information is not correct. Also, I have never received anything in regards the sale of this vehicle which is in my right to do so and was never notified in writing of when it would be sold which is also my right. This company needs to provide proof of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint vehicle loan with XXXX XXXX. He was responsible for the payment and did not pay. They garnished his wages but I ended up paying {$7000.00} to XXXX XXXX and hired a lawyer to sue him. None of the credit bureaus have removed it. Ive disputed it and sent documents that it has been settled. Ive even received notification from XXXX  that they reported the balance XXXX  but they still have it on my report.
Product: Money transfer, virtual currency, or money service

Can not access previous accounts due to being locked, or kicked out of my own account.