23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This person XXXX calls 3-6 times a day using different NH and Maine phone numbers as well as 800 exchange numbers. The company is Marcam Associates and this is HARASSMENT!!! STOP CALLING ME!!!!!!!!
Product: Debt collection

This account was previously with XXXX XXXX XXXX, account number XXXX in the amount of {$560.00}. I was never called by this company, they just sent a letter after it was removed from my credit report.
Product: Credit reporting

I have disputed my XXXX account with TransUnion to no avail the XX/XX/XXXX late still appears on my report. I could not dispute the account online and no one from the company could tell me as to why. I have attempted to provide the letter from the XXXX which denoted they were going to remove the late. If TransUnion did and investigation on XX/XX/XXXX file # XXXX then the information would 've accurately been reported. I contacted the call center in which another file # XXXX was provided for me to attach a copy of the letter and fax the information into TransUnion. I attempted on several occasions to remit the information but the fax # XXXX is constantly busy.
Product: Mortgage

On XXXX XXXX I submitted my mortgage payment through Caliber Home Loans online site. I have been paying my mortgage this way since I got the loan and I have never had any problems until XXXX. My payment was denied. I called and was told my account was closed. This information is incorrect. My account is valid and funds are available. I made my payment again on XXXX XXXX and again it was rejected. I called again and talked to a supervisor who was no help at all. I was told I could not have the phone number to their accounting department to try to straighten this out as they do not take phone calls! What? That 's ridiculous. How can you resolve an issue if you ca n't talk to anyone! I called my bank and they said a payment was never initiated by this company. I ended up sending a check overnight and I am still waiting to see the outcome of this " try '' which will be # XXXX now. I am concerned because everything I am reading on the internet it seems this is happening to a lot of people every XX/XX/XXXX. Seems to be too much of a coincidence to me. I do not want my account to be late or late fees added when I am doing everything I can to keep my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wish I knew what has happened. I was recently denied a loan due to excessive inquiries ( my score is around XXXX XXXX. I did just recently purchase a new vehicle and knew I would have a couple of inquiries but I was told by the loan XXXX that I have over XXXX hard hits in my credit. I called the car dealer and he assured me I only was sent out to XXXX banks. I am getting letters in the mail about loans that I have n't even applied for. When I tried to pull my credit report to review these items so I could dispute them, I ca n't pull my report. After checking into this, I am evidentially XXXX of the XXXX XXXX affected by the recent information hack at equifax. So I ca n't even check my own credit to dispute the illegitimate inquiries. I do n't know if my personal information has been compromised or if a dishonest dealer hammered my credit. But they should have told me. I would like to see these items removed because the high number is impacting my score by around XXXX points, and as a business owner this is critics. Thank you.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

in XX/XX/2023 I was supposed to be doing a closing on a refinance with cash out that was cosigned by my father. A week before we were supposed to do the close he passed away. I went onto the website for the refinance company, which was cross-country mortgage, and I was trying to research to see what happened if one of the applicants passed away during the application process. Upon logging in, I found that all of the documents that have been in the customer portal previously were all gone. Apparently cross country Mortgage chose to stop and cancel my refinance process due to my fathers passing, but they didnt tell me that this is what they were doing. I ended up having to find that out on my own. During this process I was charged {$XXXX} for an appraisal that had to be done for the refinance. I feel that cross country mortgage should reimburse me for this since they are the ones who pulled out of doing the refinance without any notice. Also, they did not send me the appraisal themselves within 30 days of it being done as theyre supposed to have done by law from what Ive been reading. I tried to get a refinance with my husband through XXXX loans, who was getting the funding from XXXX XXXX. We requested the appraisal from cross-country mortgage and they refused to provide it to XXXX loans unless they were paid an additional {$XXXX} on top of the {$XXXX that I paid out-of-pocket. XXXX loans have no choice but to pay them in order to get a final copy of the appraisal. We had been doing this process with XXXX loans for XXXX months. We sent them every single piece of documentation that XXXX asked for from them and then some. XXXX Was insisting that they get a document called an affidavit of affixture, Which is not a document that XXXX XXXX XXXX  provides. The only documentation that XXXX XXXX has is a real property designation, which I sent a picture of the RP sticker from my window of my house, along with an application for the real property designation from the property assessors office. we stressed to XXXX XXXX that the affidavit they want does not exist. My refinance was denied because of this one single piece of paper that is not even offered by my County. So at this point, Im trying to get cross-country to reimburse me for monies, I paid out for the appraisal, that ended up being useless because they backed out of the transaction. I did not.
Product: Debt collection

It came to my attention that FINANCIAL CREDIT NETWORK # XXXX in the amount of {$120.00} on XXXX 2016 has been reported that I owed. I have disputed this alleged debt that I have no knowledge and contract with XXXX. This report has harmed me and damaged my ability to obtain credit. I was never notified by XXXX about this alleged debt reported in error and inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Reference Number XXXX To Whom It May Concern, I am writing to formally dispute and request an investigation into certain inquiries that have appeared on my credit file, which I believe should not have been authorized or reported. These unauthorized inquiries have the potential to negatively impact my creditworthiness, and I request your assistance in resolving this matter promptly. 

Inquirer Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXXXXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXXXXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX - XXXX XXXX Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX. 

Inquirer Name : XX/XX/XXXX Date of Inquiry : XXXX XXXX Inquirer Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX I assert that I did not provide explicit authorization for any of the inquiries listed above. Furthermore, I have not initiated any business transactions or credit applications with these entities, and I have not granted permission for them to access my credit information. These unauthorized inquiries are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I kindly request that the CFPB initiate an investigation into these unauthorized inquiries, and I ask that you take the following actions on my behalf : Contact the inquiring entities to request verification of the inquiries, including any documentation that proves I provided authorization.

If the inquiring entities fail to provide valid proof of authorization, request that they remove the unauthorized inquiries from my credit report immediately.

Provide me with written confirmation of the results of your investigation, including any actions taken to correct my credit report.

I am providing copies of my credit reports from the three major credit bureaus ( XXXX, XXXX, and TransUnion ) with the unauthorized inquiries highlighted for your reference. Enclosed, please find copies of the following documents : [ List any supporting documents you are including, such as copies of your credit reports ] Please be advised that I expect this matter to be resolved promptly and in accordance with the FCRA. Any delay in addressing this dispute may result in further damage to my credit profile, which I am working diligently to maintain.

I appreciate your attention to this matter and your assistance in rectifying this situation. Please feel free to contact me at the provided email address or phone number if you require any additional information or clarification. 

Thank you for your prompt attention to this dispute. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, XXXX, and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.
Product: Checking or savings account

On XX/XX/XXXX my checking account was charged 4 separate transactions all in new york amounting XXXX {$1.00} : XXXX XXXX XXXX {$2.00} : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX  XXXX  XXXX and XXXX The bank is denying my claim of fraudulent unauthorized debit transactions due to an initial misunderstanding of the claim. i included XXXX charges that were not fraudulent. To clearify the only fraudulent charges i am disputing are 4 placed on XX/XX/2024. 
Key Bank dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in XXXX  since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help.
Product: Mortgage

This attachment was sent to the XXXX  by the mortgage company Apex Mortgage, LLC. Located in XXXX XXXX XXXX XXXX # XXXX, XXXX, MD XXXX Contact number XXXX. 
The attachments contain our personal and confidential information provided by Apex mortgage, llc in response to my review to XXXX. The information attached contains my social security number, address phone numbers, personal employment, credit scores and financial information. I am asking for legal representation and demand Apex Mortgage, LLC be held liable for this. It has violated us and has compromised our personal information leaving us open to identity theft. Such documents should never be reported to XXXX  a non government company. 
As consumers, this goes against our rights. 

Please assist us with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXXnancial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. Upon reviewing my credit report, I have identified the following inaccurate item ( s ) that I request to be investigated and corrected or removed immediately : Disputed Item ( s ) : Account Name : Midland Credit Management Balance : {$350.00} Account Name : Midland Credit Management Balance : {$440.00} Under the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. If the disputed item ( s ) can not be verified, they must be deleted or corrected as per 15 U.S.C. 1681i ( a ) ( 5 ).
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. It shows one late payment on an account that was actually paid on time. Consumer reporting agencies must report all information accurately, and this account has not been late on payments. 

I have attached a copy of my report to this complaint, highlighting the incorrect dates of XX/XX/year>. I request that you investigate this account and update these payments to reflect that they were paid on time immediately. 

Thank you for understanding and taking the time to take action.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$880.00} and an original creditor of XXXX XXXX PHYSICIAN. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Mortgage

Wells Fargo  Mortgage is claiming ( again ) that several payments have not been made. Last  XXXX , I filed a complaint abou t four  consecutive online payments that had been stolen,  XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  payments. This was resolved through CFPB.      Wells Fargo  is again claiming that payments have not been made ;  XXXX  and  XXXX ,  XXXX , in the last  XXXX  statements. All payments are being made by check at a local branch, with th e WF  account number, the month being paid for, and specifying payment to principal, interest, and escrow. I make a copy of each check and retain the receipt given me by the teller. Once the check clears, I print out a screen shot of the cancelled check. I was told by a legal advisor that this is the only form of payment I should make, so that a check can not be " lost '' in the mail.     I am being called twice daily, on both my land line and cell phone, and being sent letters saying I am missing payments. I made a phone call in  XXXX  and was told that it would be corrected, which it was not.     All of my payments are current, and I have copies of the cancelled checks.
Product: Checking or savings account

I am a veteran and I work for the   XXXX   XXXX   XXXX   XXXX   . In 20  15 I was  placed on FMLA ( medical leave ) due to the  XXXX  of my   XXXX   XXXX  . Because I was unable to work I became delinquint on my car loans through USAA. When I became delinquint  USAA  blocked all access to mu checking accounts. USAA is an online bank and is refusing to let me access my accounts online and through the USAA app. USAA is holding my checkin g accounts hostage until I fix my car loan theough them, but I need to se e my checking / savings accounts in order to make proper financial decisions. When I contacted USAA to work out a financial remedy to catch up on the auto loan they refuse to give me access to see and monitor my accounts, until I pay them what I owe. I can not get bank statements online or monitor my checking or savings accounts for almost 2 years. I know of no other online financial institution that completely blocks all online banking due to the account holder falling delinquint, which in turn prevents the account holder from making any accurate financial assessments, monitor for inaccurate account activity by USAA, or even regain financial stability after a huge medical setback. USAA claims to be there for veterans, but as I am a veteran I have seen nothing but borderline illegal debt collection practices and a 2 year attempt to completely block me from seeing my checking and savings account. When I attempt to log on via the USAA app or online banking I am denied for security purposes. When I call the security department they do not give me access to my accounts they only direct my calls to the debt collection department. When I ask the debt collection department for access to my accounts so that I can see my checking and savings to manage my finances I am told by debt collection that I will not get hose privelges back until I pay USAA what is owed. When I tell them th at keeping me blind to all my monitary accounts does NOT allow me  to make accurate financial desicions I am deny the right to online banking from  USAA  which is an online bank! The only branch is inTexas and I live in Ohio. I want access to my online bank accounts, bank statements, and the ability to see and use the online banking tools to serve in my financial recovery, pay my bills, get groceries without operating financiall y blind, even if I  owe USAA money.
Product: Credit card

CHASE ( through their Marriott Bonvoy Boundless Card ) offered me options to take control of my finances by paying over time, through fixed-rate carve-out loans, which are supposed to be separate from purchases on the card, and paid over time at a fixed monthly rate with fixed monthly interest. They refer to these plans as My Chase Plans, and My Chase Loans.

Each month, they provide an " Interest Savings Balance, '' which includes the total amount of purchases the billing cycle, plus the monthly payments toward these " loans, '' which must be paid in order to avoid any ongoing interest charges on the purchase amounts -- which in my case are charged at 28.99 percent. ( An XXXX amount, but that's a separate issue. ) The first month after I took a My Chase Loan in the amount of {$9000.00}, I had over {$5000.00} in purchases ( travel, hotels, etc. ) on the card. I paid IN FULL the Interest Savings Balance. And INSTEAD of applying the amount of payment as promised, they applied the FULL AMOUNT to the " My Chase Loan, '' leaving me with a large balance of purchases at 28.99 percent. Their excuse for doing this ( after multiple calls and being placed on hold for extended periods of times ) was that I had a " zero-percent promotional interest rate '' on purchases at the time of my payment. A zero-percent promotion that EXPIRED the day AFTER I made my payment. That, my friends, is a classic bait-and-switch. One of the customer service agents basically agreed with my assessment, reversed the payment, and allowed me to make a payment again -- covering the full purchase balance, while incurring some interest on the days in between.

I thought that was the end of it until the next bill, in which the total " Interest Savings Balance '' was approx {$700.00} more than it should have been when I did the math. Lo and behold, it appears that they applied the total amount of a REFUND for a PURCHASE I MADE ( for an item that was returned in less than 24 hours, and which I DO NOT OWN -- it was a mistaken internet double-purchase through Interval Int. ) to the MY CHASE LOAN BALANCE, and insisted that I had to pay for the {$700.00} as part of my " Interest Savings Balance. '' Another Bait-and-Switch! It's atrocious, and frankly, illegal. And it's caused me financial hardship that is completely unnecessary, when I had made the agreement to pay the Loan balance over time, at a fixed rate, WITHOUT being penalized for continuing to use my card for purchases ( which, sometimes, get returned! ) The way it was explained to me is that even if I had made a {$5000.00} purchase that was refunded, they had a RIGHT to apply the refund in ANY AMOUNT to my loan balance, rather than to the actual purchase! How is that LEGAL??!! It makes no sense. It's bad business, and again, how is that legal? It's specifically against the agreement I made with CHASE when I signed up for the My Chase Loan as a way to better organize my debt. It is false advertising at the very least, and absolutely represents a bad-faith example of what credit cards do to consumers who are trying to do the right thing. It's unethical, and I know I'm not the only one its hurting.
Product: Checking or savings account

Fifth Third Bank is by far one of the worse banks I've even encountered in my life. Everything from their management policies to their poorly trained telephone staff. In short ever dollar I had was stolen out of my accounts by a criminal in the XXXX, MA area. I'm in the XXXX area . I couldn't get anyone over at that bank to understand what happened. My accounts were involved in act of fraud/theft. The bank had me wait 4 days to speak to the wrong dept due to a holiday weekend. The reason I spoke to the wrong dept. is because I was horribly misinformed on XX/XX/XXXX. Additionally, the criminals who stole my money advanced money off future earnings tied to direct deposit accounts. Also known as early advance accounts. I'm considering legal action against fifth third for the fumbling/mishandling of this fraud event. XXXX XXXX received a letter on XX/XX/2024 indicating that transactions occurred on the account without my knowledge. This was a mailing by the bank with their letterhead indicating they knew criminal action most likely occurred but did nothing meaningful to help out in a timely way. A total of 5 debit card transactions took place on our account and the bank did not stop it. A total 3 illegal funds transfer transactions also took place. They are leaving my accounts in the negative for days on end. We took the only timely correction action we could and re-routed our payroll direct deposits to another bank. This bank has the potential to push negative credit data to the bureaus for long standing negative accounts. All related back to an issue that we had no control over. The credit needs to be issued back to the account immediately. We looked into other banks and this is not the industry standard for theft. This is a practice that fifth third does in order to avoid helping their customer 's and protect their bottom line. If you have fraud on all your banking accounts and you have every XXXX cleaned out? How are you expected to live? I will include evidence and details for a case file I started regarding this.