23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a call from the number to the XXXX XXXX Chase branch. The person identified himself as XXXX XXXX ( sp? ) and told me there were fraudulent charges on my account. He had my address, zip code and PIN number. He asked for a code that he texted to me and told me my account was being red flagged. After hanging up I called back and the actual branch said nobody named XXXX XXXX works there. I explained what happened, the employee checked my account, didnt see anything and told me to just keep an eye on it. A few minutes later multiple {$100.00} ATM transactions totaling {$1800.00} took place at the XXXX XXXX branch in XXXX and our account was drained. I called back the same number and the employee advised me to go to a physical branch, close all accounts, open new ones and get new debit cards, which is what we did. They told us Chase has to investigate the claim. When i called on the XXXX I was told that the claim was denied and there was nothing Chase could do for us to get our money back.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is in response to Trans Union response for complaint # XXXX. that they are still working on problem from initial dispute. That it may take up to 60 days. 
Transunion dispute has no active disputed being performed that initiated in XX/XX/XXXX going forward. this is stated in the Dispute center at transunion it says no open disputed. 

Let me be clear FCRA say 30 days to investigate and if the furnisher or consumer provides additional information than a extra 15 day. The Dispute was signed for on XX/XX/XXXX. The furnisher provided no extra information, Better yet the furnisher said they don't do investigation or report to the Credit Bureau. So Transunion was in violation on the 31st day for failure to complete investigation. FCRA says the remedy for that is DELETION of negative item. It is to be removed from Credit Report. 
They are also in violation for reporting false information willfully and negligently. 

In this case we are talking about the Public record that Transunion failed to investigate. So for Transunnion to say they are still working on the problem they are lying and Time is Up. Transunion needs to DELETE PUBLIC RECORD IMMEDIATELY. I have everything well documented and will file legal action
Product: Credit card or prepaid card

DEAR CONSUMER FINANCIAL PROTECTION BUREAU  SO IM SUB MITTED WRITTEN COMPLAINT FORM AGANIST AND FINANCIAL BANK COMPANY THAT OFFER GOVERMENT BENEFITS CARDS THREW TH E US  DEPARTMENT OF TREASURY SO ASLO I CALL MY BANK CREDIT CARD COMPANY TODAY AND INFORM THEM ABOUT AND TRANSACTION FUNDS THAT WAS MISTAKEN OFFER MY DIRECT EXPRE SS MASTERCARD ACCOUNT 16 DIGIT  NUMBER SO ASLO I CAN PROVIDE THE TOLLFREE CUSTOMER NUMB ER I C ALL  XXXX   SO ASLO  WHEN I CALL CUSTOMER SERVICES DEPARTMENT ABOUT MY  MASTERCARD  ACCOUNT NUMBER THEY SAID THE ONLYWAY THEY CAN TELL ME WHERE MY FUNDS WAS MISPLACE OFFER MY CREDITCARD THEY WILL HAVE TO CLOSE  MY MASTERCARD ACCOUNT NUMBER AND START AND INVESITAGATION WILL TAKE 30- 60 DAY S FROM THE DISPUTE TRANSACTION DATE  XXXX / XXXX /  XXXX   WAS THE DATE THAT THE FUNDS WAS TRANSFER FROM MY MASTERCARD ACCOUNT NUMBER TO ANOTHER BANK CHECKING ACCOUNT SO THE SPOKE PERSON I TALK TO OVER THE PHONE IN DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT INFORM ME THAT THE FUNDS ARE  FDIC COVERAGE INSURANCE BUT THEY COULD NOT TELL ME WHERE MY FUNDS WENT EVEN KNOW THE COMPANY HAD ACCESS TO MY MASTERCARD ACCOUNT NUMBER SO I TOLD MY CREDIT CARD BANK COMPANY I DID NOT MAKE FALSE MONEY TRANSFER FROM MY GOVERMENT BENEFITS CARD SO THEY ASLO IMFORM ME THAT THEY COULD SEE THE CARD ACCOUNT TRANSACTION BUT COULD NOT TELL ME WHAT FUNDS THE COMPANY WAS PAY TOO WITHOUT MY CONSENT MAKING MY OWN TRANSACTION CARD ACCOUNT HISTORY SO THEY TOLD ME AT DIRECT EXPRESS MASTER CARD CUSTOMER SERVICES CENTER SOMEONE ELSE HAD ACCESS TO MY MASTER CARD ACCOUNT NUMBER WITHOUT ME KNOWING ITS SO THE BANK CREDIT CARD COMPANY FALIURE TO HONEST PROMISE CONSUMER CREDIT CHARGE BACK TO MY 16 DIGIT MASTERCARD ACCOUNT NUMBER SO I HAD TO CONTACT DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT 7 TIMES AND WAS STILL UNABLE TO RESOLV E DISPUTE WITH MY BANK CREDIT CARD COMPANY
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX5 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Debt collection

Transunion recently removed the debt from my credit file and has added it back to my profile. If XXXX can remove XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, provided I do not have a contract with them or an agreement. why is this company
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my Equifax and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX XXXX  XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less that XXXX  days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter I sent to Equifax.
Product: Debt collection

this company is trying to collect a debt that is not mine i have reached out to company they have failed to remove after i have expressed that this debt is not mine have not received investigation results
Product: Mortgage

Complaint on Veterans United Mortgage for handling of escrow account. We purchased home in XXXX, the prior owner had home for only 5 months, they were an LLC with no property exemptions. We have mortgage, homestead and XXXX veteran exemption. We have provided all proof to Veterans United and their servicer, the proof was documentation from the county, the readjustment from the county and the phone number and business card for the county auditor to confirm. Instead of correcting our escrow- they did a new analysis and raised it even more based upon the prior owners tax status not ours. I called back again to escalate, and no one followed up, no communication. I called again, and was on phone for over 30 mins- and told they haven't paid my taxes yet. Can't tell me when they will. 
I have tried to correct this since the application process and no one has handled it properly from application, closing and post-closing. 
We want the escrow corrected in the proper manner- our taxes are 1/2 of what they are using.
Product: Credit card

I made my payment to Capital One on XX/XX/year> after XXXX XXXX XXXX. They counted my payment as the next business day, in which Capital One added late payment fees and charged my account XXXX plus interest. I called on XX/XX/XXXX and XXXX to have this late fee removed plus interest, but the representative would not remove the late fees and interest charges for these late fees. This happened to my account on XX/XX/XXXX, and XX/XX/year> as well. I made the payment on the due date, however, Capital One is counting my payment as the next business day for receiving the payment and charging a XXXX late fee plus interest fees. Please help me resolve this matter. Thanks.
Product: Credit card or prepaid card

The company close the account without any letter. The account was in good standing and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and sent all required documentation Per 605c, notarized to XXXX, Experian, and XXXX. 
The adverse information has not been blocked as requested. 
XXXX sent a response to a fraud alert that I did not request. I did not request a freeze, I did not request a dispute. 

Please comply with my request and review all documentation attached. Additional compliance training is needed in detail on how to handle a consumer who is a XXXX victims request to block and what is required. I would like an updated report mailed to me after compliance with my lawful request under 605c. I do not desire to be further victimized. Please comply and avoid further damage to my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2022, I submitted a complaint which included the required documents by me as a consumer to initiate a block of information resulting from identity theft ref XXXX. NO where in the FCRA does it gives you the right as a consumer reporting agency to make UP your own rules and tell me to reach out to the lenders directly. You are REQUIRED by the FCRA to remove and block the information. You are now in noncompliance with the FCRA and it is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union has utilized an outside company to record this information. I have not authorized the mystery company to transmit my personal information without my approval. According to 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : A consumer reporting agency can not furnish an account without written instructions. Here is the docket number XXXX this info I have not authorized a private company to possess and provide this information to Trans Union.
Product: Debt collection

Collector emails multiple times a day and has threatened to sue. Collector has not sent enough verification to validate debt. Collector has incorrect address. Collector is attempting to collect a debt that was due to theft.
Product: Bank account or service

Wells Fargo wo n't honor a line of credit that was supposed at prime rate and no fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts appearing on my XXXX  and Equifax credit reports. The accounts are with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX.These 3 charged off accounts and 2 collection accounts are fraud as I was a victim of ID theft.
Product: Debt collection

The company is XXXX and XXXX, a debt collector. They took over the account I had with XXXX -- that was sent to Midland Funding. The original amount, according to my credit report was {$3200.00}. I paid XXXX payments of {$100.00} to XXXX. When I called them the week of XXXX XXXX, the representative was very rude. Told me the balance was $ XXXX My payment had stopped on XXXX of 2015 -- I have written proof of payments from my Credit Union XXXX According to the balance, they have issued unauthorized charges of interest of approximately {$1000.00}. I told the representative, XXXX, that I intended to dispute this, and he told me I coul n't dispute it. I believe that they have made unauthorized charges unfairly to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed errors on y credit file and the results came back as verified with Equifax the following address XXXX XXXX XXXX XXXX. XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX  XXXX XXXX. XXXX, Ga XXXX and the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian refuses to correct an update the information that was submitted based on a complaint from XX/XX/2023. They stated that the information had been verified as accurate.
Product: Credit card or prepaid card

Called Bank of America 2 times in last 2 weeks because bank texted me that my credit card had been approved. I did not apply for a credit card and told the bank not to issue the card. bank said they would not issue the card. this happened again a week later happened 3 times.
Product: Credit card

I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.
Product: Credit reporting or other personal consumer reports

These items were not authorized by me, and I did not grant permission for these items to be included in my consumer report. The realization that such inaccuracies could jeopardize my financial standing is deeply distressingXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX I XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX A XXXX Balance : {$430.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

I applied for a mortgage loan back in XX/XX/2020. XXXX XXXX Senior Mortgage Banker at Mutual Of Omaha located at XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX, became my loan officer. XXXX XXXX my broker had been communicating with XXXX about the house contract, XXXX asked for my file information and asked if it was ready to be sent to the underwriter for loan commitment approval ; XXXX said that my file was complete and it was being sent to the underwriter for conditional approval but unfortunately XXXX sent an email on XX/XX/2020 stating that I had to do an amendment of taxes due to an unreported XXXX XXXX  from my CPA on my taxes ( which the underwriter noticed last minute ). This email was sent 2 days after the new loan termination deadline on XX/XX/2020 for this reason I have lost my earnest money due to a lender late notice about missing documents. I was never notified by XXXX XXXX nor other representatives of Mutual Of Omaha of the missing reported income until XX/XX/2020 which was after the new loan termination deadline. 
Mutual of Omaha did not keep in mind that my earnest money was in jeopardy due to the late notice. 
I want to complain about her not revising my file correctly before deadlines and for this reason I have lost my earnest money for the amount of {$5000.00}. 

I was never notified of the missing documentation on time before my earnest money was in jeopardy, I want to claim my monetary loss due to a lack of revision, communication from XXXX XXXX and all the other parties involved in Mutual  Of Omaha.
Product: Mortgage

Community Loan Servicing ( formally known as Bayview ) accepted my XXXX mortgage payment but failed and refuses to post the funds to my account. Instead they merged with another company, XXXX XXXX ( aka XXXX ), which is really the same company, and refuse to post the funds they are already in possession of. This is called stealing. They are already sending me notices of collection, foreclosure and threatening to post negative information to my credit reports. Instead of handling their business properly Community is demanding that I only communicate with the new servicer which is really one and the same as the old one. This is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Bayview / Community / XXXX XXXX / XXXX needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 without resolve. I have once again provided proof that my payment was received by Community / XXXX and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped.
Product: Credit reporting or other personal consumer reports

XXXX asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report.