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

On In XX/XX/2021, I filed a report CFPB that my Experian Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my Experian Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my Experian Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of Experian Associates. In addition Experian hasnt been protecting my Experian Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : XXXX date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX- Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!
Product: Credit card or prepaid card

Direct Express has not responded to me about my bank statements. I have called them 3 times, they can not even tell me if they have been mailed. Each time I call they ask me the same information over and over but do not give me any information. These bank statements are needed immediately for an application. They told me it would be 5 to 10 days each time, it has been over 15 days today since the first call and they will only mail them, they refuse to send by email or fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove incorrect info FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 42 Months
Product: Mortgage

Subject : Complaint Against Loan Officer XXXX XXXX of NVR Mortgage for Failure to Disclose Information Dear Sir/Madam, I am writing to formally lodge a complaint against loan officer XXXX XXXX for failing to disclose critical loan information in a timely manner, which has caused significant inconvenience and financial detriment. 

I locked my loan on XX/XX/year>. As part of the agreement, I was entitled to a one-time float-down option. However, XXXX XXXX did not disclose this information in a timely manner, resulting in my inability to exercise the one-time float-down option to unlock and relock rates. 

I have made numerous attempts to contact XXXX XXXX through emails and messages to rectify this issue. Unfortunately, he ignored my requests and only responded when it was too late for me to take any action. This negligence and lack of timely communication have caused me to miss out on a crucial opportunity to manage my loan rates effectively. 

Enclosed are the details of my correspondence with XXXX XXXX, including copies of emails, messages, and text messages. These documents will provide further evidence of XXXX XXXXXXXX XXXX failure to fulfill his responsibilities as a loan officer. 

I have also submitted this complaint to my real estate attorney to investigate this matter.
Product: Money transfer, virtual currency, or money service

Im writing to express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies, both Zelle & my financial institution failed to investigate my claims. They informed me that recovering lost funds is impossible and that tracking the funds was infeasible.
Product: Checking or savings account

Bank of America is handling the Nevada Unemployment Insurance ( Debit Card ) Unemployment is paying me every week normal since I got Laid off from my employer.

Bank of America made a mistake with their system and they took credits that was provided due to a dispute.

I been calling Bank of America several times because my Unemployment Debit Card is overdrawn and my weekly benefit is covering negative balance. I been almost 3 weeks and they dont resolve the issue in my account, when I call the Fraud or Dispute depto in Bank of America Unemployment Debit card, I have to wait 4 or 5 hours on the line and when I get a agent or supervisor on the line they lie to me all the time.
They said that they dont work holidays or weekends, but there is many people including me affected by their system errors without paying bills or eating and Unemployment agency is depositing every week but Bank of America overdraft my account and my money is covering that negative balance as I mentioned before.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX CAPITAL ONE I XXXX XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX  I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes.As such, it is a very serious error in reporting. I never authorized such action, if this constitutes a violation of my rights under The fair Credit reporting act 604 As well As a violation Of my rights to privacy. 
These inquiries were made fraudulent without my Knowledge and or permission. These inquiries were made XX/XX/year>, XX/XX/year> XX/XX/year>, XX/XX/year> If you find that I was not the one who Authorize these inquiries I asked that it would be removed Immediately. Please be so kind as to Forward me documentation That you have had the unauthorized inquiry removed. If you find that I am an error then please send proof of this Your immediate attention To this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud credit card open on XX/XX/XXXX. On XX/XX/XXXX I had issue resolved to my favor from bank credit card. Enclosed letter stated to my favor as a fraud and they will remove from my 3 credit report agencies. They don't remove and leave in my credit report so it harms my credit score. I have contacted them and spoke with supervisor since XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They state it will be removed every time I call them and resolved. Its been 9 months and still unsolved. I don't understand why bank treats people in this form when knowing it was fraud. They need to remove from all 3 credit agency as they said they will do. thank you for assistants. 
amount {$2600.00}
Product: Credit reporting or other personal consumer reports

Credit bureaus are telling me that XXXX did not disclose to them that XXXX did indeed receive a partial payment within the normal time frame for the month of XX/XX/year>. That partial* payment was actually a full payment less the PMI fee. 
XXXX 's reporting was misleading where it didn't acknowledge that it did receive indeed customer 's money and was holding it ; XXXX didn't return the payment because it was missing the PMI fee. Therefore, XXXX 's reporting was not truthful and it is problematic. 


*XXXX  is refusing to acknowledge the fact that the payment was only missing the PMI fee for a reason debated before. XXXX is cleverly clinging to the term " partial payment '' regardless.
Product: Credit card or prepaid card

Dear officer ; I hold a Home Depot Credit Card issued by CITI Credit Cards. 
On XX/XX/2020, I fax a letter disputing a charge to my credit card. I have since requested in writing and on the phone a copy of the purchase voucher/receipt which initiated this charge. Nevertheless, Citi bank 's fraud department has not been able to produce a receipt or ANY other document that will prove that indeed I am responsible for such purchase/transaction. 
In addition, My local Home depot store manager has NO record of this transaction taken place and they are more incline to a system error in their part and advised me to call the Credit card services. 
I have called and faxed them my request in writing ( as they insisted ) and on the phone for HOURS since all this started without ANY result to my request : " Show me a copy of the store receipt or any other document where my signature and credit card was used to support such purchase transaction ''. still no answer to my request. Nevertheless, they insist in the charge and threaten with ruin my perfect credit and name.
Product: Vehicle loan or lease

My automobile loan on my 2012 XXXX XXXX is through Credit Acceptance. I had already being paying on the loan at a 26 % interest rate with all payments being on time when I called to set up auto pay in an attempt to pay extra each month towards paying my loan off early. When I called I was told by the person answering the phone that I would have to provide proof of income before she could help me. I told her I already have a loan with them and was attempting to pay an additional amount each month in an effort to pay it off early. She continued to insist that I immediately provide her proof of my income before she would help me. I hung up and called back and spoke with someone else who told me I did not need to provide proof of income on a loan I already possessed. A few days ago, I received another call telling me I owed additional fees. I asked how that was possible since I pay extra each month anyway. The person was unable to provide me with the reason and continued to threaten to turn me over to collections and lower my credit score. I told them I was going to report them for harassment and extortion and they hung up. Today I began getting calls again for the same reason. I asked them to pull the recordings of the previous calls and was told they could not do that. I then asked why the pre-recorded message said " this call may be monitored for security purposes '' and again, they were unable to give me an answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022, I sent a request for an investigation into some accounts that did not look correct on my credit profile. 

XXXX XXXX XXXX Account is reporting as Late 60 days, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed and payment status updated to " Current. '' XXXX XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXXXXXX This account is showing as a collection, but it also show a Past Due Balance. The bureaus were unable to produce the document proving I owe the dollar amount listed. I am requesting this account be deleted immediately. 


XXXX XXXX Account is reporting late payments, but the credit bureaus were unable to provide a statement proving the account was paid late. I am requesting all late payment be removed. 

XXXX XXXX This account is reporting as a collection and closed on XXXX but 120 Days Late and open on XXXX XXXX This account is not FCRA compliant and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I have disputed this information on my credit report they stated they verified and I have letter from the agency stating they dont report this information and requested it to be deleted. It was removed from XXXX and the other XXXX bureaus have yet to comply
Product: Mortgage

1. Billed ( included in mortgage ) unauthorized insurance coverage ( for home appliance ) 2. Inaccurate Statements ( monthly statements ) ; ignores repeated calls to address3. Transferred paid principal payments to supplement escrow shortage without notice or authorization. 
4. Unable to reconcile account statements, over {$1000.00} paid to Ocwen is unaccounted for. 
5. Very abrupt loan transfer to XXXX, without reconciling account ; as though to sweep this under the rug - I Need immediate attention to address this. There are outstanding issues with OCWEN and yet the loan servicing transfer to XXXX takes effect in XXXX days. 
6. Inaccurate tax return statements for ( 2014 ) 7. I believe my loan is being transferred as a move to hide or cover-up these concerns that I have now repeatedly reported up their chain of command. The CEO, COO, CFO and Chief Legal Counsel are aware of these challenges and have turned a blind eye
Product: Checking or savings account

In XX/XX/XXXX, my mother passed away leaving an IRA with SunTrust Bank in the amount of {$41000.00}. Her beneficiary was listed as her Trust. In XXXX, XXXX, I, as the trustee, submitted an Affidavit of Trust and a copy of the complete Trust to SunTrust requesting that they release the funds to her three beneficiaries. They refused at first but then after much diligence on XX/XX/XXXX, they opened ( 3 ) beneficiary IRA accounts for each of the beneficiaries and provided us with receipts. However, they never funded the accounts and therefore none of the beneficiaries have been able to transfer their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion last week to complain about how they share my non-public information and tonight i go to my mailbox and in there is a letter that has " TransUnion LLC '' clearly displayed in the window of the letter but the the letter was opened with my consumer report in it. I did not tell them to send it. In this day and age if any fool sees a envelope with the name TransUnion on it they are going to open it. So TransUnion has again violated my privacy I have informed them to re-investigate and in turn they send me a copy of my consumer report with the words TransUnion LLC clearly displayed in the window of the envelope I have been injured and my report has been made not equitable to me.
Product: Checking or savings account

On XX/XX/2021 I received an email stating my account with Chime Bank was being closed and that chime had made the decision to end their relationship with me. I opened this account because chime advertises that they help fix your credit and one can receive their pay checks a day sooner. Instead of helping me fix my credit they have ruined mine because they have kept all of my deposits equaling approximately {$23000.00} I can not see the exact amount as they have closed my account and I can't access the account. I was supposed to receive my XXXX on XX/XX/2021 which included backpay this money was going to be used to pay my rent and other bills. Upon doing a little research I found that chime bank has done this to a lot of other people closing theirs and mine accounts and keeping the money. Chime Bank is a fraud and is stealing money from people and ruining peoples lives. This money was due to not being able to work during the pandemic and it being taken from me has made everything much worse I don't have a place to live now as I have not been able to work due to XXXX and money awarded to me by the government was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX  XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!
Product: Credit reporting or other personal consumer reports

I recieved a false report from my insurance company who dropped me because of false claims negligence and discrimination provided by Lexis Nexis. This is not the first time the company has violated my human rights as a consumer. The company said I filed XXXX home owners Insurance claims to XXXX XXXX and they denied my services and would not extent or remove the false documents on my consumer profile. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers. Lexis Nexis is to be held liable and accountable for breaking the law 15 usc 1605 ( a ) ( b ) ( c ) ( d ) and ( e ) The sum total of damages in the amount of XXXX dollars
Product: Credit card

On XX/XX/XXXX, I purchased a XXXX  flight from XXXX to XXXX in the amount of XXXX. The flight was delayed each way by more than XXXX hours. Per XXXX guidelines, I am entitled to a full and complete refund. I contacted the merchant and they were unable to help resolve this issue. I then filed a dispute with Bank of America, and submitted all supporting documents within the timeframe, and my claim was denied. I requested to have my claim re-opened and they have denied it without any further investigation into the claim.
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX pm, I contacted American Express by telephone regarding the current APR they are charging on my XXXX XXXX XXXX XXXX XXXX and spoke to their representative XXXX badge number XXXX in the Texas office. My issue with American Express is that since XX/XX/XXXX, they have been charging me 29.24 % which is just under their Penalty APR of 29.99 %. I have had this account with American Express for well over 10 years during which time I have consistently paid on time and paid above the minimum amount due each month. With my account history in mind, I was therefore asking for some consideration in having my base rate ( prior to adding the prime rate ) reduced to a more reasonable rate. During our conversation, the representative informed me that the low-end rate American Express is currently charging customers is 17 % but that mine was set at 21 %. The representative then told me she did not have the authority to adjust my rate at which point I requested to speak to a supervisor or manager. The representative refused to let me speak to a supervisor or manager and insisted that no one at American Express was going to adjust my rate. 

I do not feel my request was unreasonable, but I do feel that charging me 21 % plus prime is not only unreasonable but extremely unfair in view of my payment history with American Express over the past 10 plus years. I have 2 other credit cards with other companies whose APRs are 17.99 % and 19.49 % respectively which is the type of APR rate reduction I was requesting American Express to consider. 

I felt that the representative was unprofessional and unwilling to try and assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter to TransUnion requesting they investigate the hard inquiries that I did not approve on my credit report. I have not heard back from them. 

Please remove the following hard inquiries from my consumer report : XXXX XXXX - XX/XX/XXXX ( this is up here twice which is illegal. ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX And any other hard inquiries as I have not approved any.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONSUMER USA ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Product: Prepaid card

I accrued points in a workplace program over the course of XXXX years. I cashed them in on XX/XX/23. I was sent a digital visa worth {$470.00} ( no physical card ) from Prepaid Digital Solutions. I used it once but then had trouble getting it to work. I later learned your purchase needs to be less than the total on the card so that was likely why every time I thought to use it it wouldn't work. To use the card, I would have to find the screenshot on my desktop of the card number and manually input all the digits and since I couldn't use in stores ( no physical card ), I forgot about it but it was always in the back of my mind that I had this little nest egg. Finally, remember to use it and see that the expiration is XX/XX/23. I didn't even have a full year to use the card. When I reached out to the company I was told unused funds were forfeited when the card expires. This seems extremely unfair. I was unaware that my state 's law that bans gift cards from expiring for a minimum of 5 years does not apply to these cards. I tried to escalate my request on the third try and was told that my request would be reviewed. I know that the company can still access my statement and info so it is their choice not to reissue my funds. The rep on the phone said I should hear back in XXXX business days. Within an hour, I got this response : Per the terms and conditions, upon expiration of this prepaid card, any unused funds are forfeited. This is predatory behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were submitted to all 3 credit bureaus ( Transunion, XXXX, & XXXX  ) on XX/XX/21 regarding inaccurate information listed on my credit report. As to date, there has not been a response to the verification inquiry/dispute. 

The verification request was in regards to XXXX and XXXX XXXX. XXXX XXXX is listed on my credit report multiple times. 

As you know, according to FCRA the credit bureaus have 30 days to verify the debt or remove them. It has been more than 30 days and there has not been a reply to my request for verification and my credit report suffers due to these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a report onXX/XX/XXXX saying i have a collection / charge off on a accont that was settled and closed in XXXX.