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

on XX/XX/2022 i was XXXX  and taken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet with my bank card my cell phone and other personal affects were left behind when XXXX XXXX XXXX because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well someone ended up getting there hands on my wallet and my phone and was able to use both to access my account and make charges and withdraws from it while i was in XXXX. upon my XXXX on XX/XX/2022 i noticed that my items were missing from my stuff and immediately checked my bank and saw that there was transactions made while i was XXXX i immediately notified chime of these transactions, they issued me a new card and started a dispute for the unauthorized transactions. a few days later i was informed that there dispute team denied my claim stating that no error occurred. so i filed a rebuttal which is the only course of action they allow u to take in these numerous rebuttals i've filed i've sent documentation supporting that i was in jail and couldn't have made those transactions just to be denied time and time again i asked why i was denied and they sent me a very confusing email stating the reasons all i got out of it was that they believe that the person/persons who used my card had insider knowledge of my account. but when i told them that my cellphone was in someones possession up until recently and they could have gained access to all my banking information that way they didn't care. i had my XXXX XXXXXXXX write them a letter confirming i was in XXXX  for the period of time in question which also did nothing. so from XX/XX/2022 till XX/XX/2022 any transaction was fraudulent the amount of all the transactions totals {$430.00} and some change and was all the money i had from working which was deposited during that time frame. todate they are still denying my dispute i've sent them every piece of document unredacted with my personal private information information in hopes that they would see that everything i say is the truth. all i got in out of that was there attempt to stop me from filing a rebuttal on the fraudulent transactions
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to each bureau and they have not responded to unverified items. Here are the items listed : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX U.S. Dept of Education XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. XXXX XXXX XXXX # XXXX, # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/1982 ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX, Open date XXXX XXXX, Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  and Equifax letters and a copy of my police report stating that my social security number was compromised and I am a victim of identity theft. My identity was stolen by XXXX XXXX XXXX who is currently behind bars. I sent the letters over a month ago certified mail. The tracking number for my Equifax letter is XXXX. It shows Equifax received my letter and police report XX/XX/XXXX. The tracking number for my XXXX  letter is XXXX. It shows XXXX  received my letter and police report XX/XX/XXXX. The tracking numbers are through USPS. Its been over 30 days and Equifax and XXXX  has yet to block these accounts from my report which is stated in the FCRA 605B that a consumer reporting agency shall block reporting of any information in the file of the consumer that the consumer identifies as identity theft. Equifax and XXXX  has yet to do this which is a violation of my consumer rights. The man who stole my identity tried to apply for a lot of credit in my name which resulted in me having over 50 inquiries on my XXXX  report and over 90 inquiries on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported on my credit report
Product: Credit card or prepaid card

Re : Chase XXXX visa. On XX/XX/XXXX should have received 15 night elite credits per visa benefit but did not due to an undisclosed change in visa program. 
Chase, via email, advertised an upgraded visa and did not disclose all changes. 
I contacted them and they refused to credit my 15 nights even though I paid my fee. They said they changed the timing to first quarter of following year XXXX. In doing so, they denied me my benefit for XXXX. 

This loss has ramifications with my status and benefits at XXXX. 

False and misleading advertising by email that was unsolicited. 

There are also discriminatory practices as anyone with an annual visa date prior to upgrade received their 15 nights for XXXX while others were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Charging me multiple overdrafts in the last couple of months.
Product: Credit reporting or other personal consumer reports

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

Equifax has allowed my personal information to be compromised. They need to be shut down. They need to pay out every penny of their worth back to the people they violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report in the past and found this inaccurate account in which i disputed. The company never followed up with me therefore i am initiating a complaint with you. I mailed the company a letter on XX/XX/2021 as well as contacted them through credit bureaus
Product: Debt collection

I had filed a complaint XXXX : a collection account for XXXX that was being handled by ICS systems and they did remove the dispute from their system and they said they closed the case and that they made the correction to the credit bureaus. So in reviewing my credit it has dropped from XXXX to XXXX and the new credit collection agency called contract callers now is reporting this incorrect information which has Transunion giving me a XXXX FICO. Well I called and they put me on the line with the person but she was extremely rude and kept calling me sir sir after I told her this is not a sir. She just kept telling me sir so I asked to speak with a supervisor and he got on the line and began to call me sir and then hung up. I do not owe XXXX to XXXX for a address XXXX. XXXX, CA. XXXX. This problem had been resolved with PGE and I stand a 100 % correct because the owner of the property was illegally billing my account. I have never missed a payment for 8 years and I have established a great trust with these XXXX. and I wish to maintain that. 
there number is XXXX and it is for {$210.00} for XXXX
Product: Debt collection

I ask for a credit report, which I received. I noticed I had a collection from Access Credit. on XXXX XXXX I called Access Credit RE : XXXX XXXX for {$62.00}. I paid over the phone with XXXX XXXX XXXX and ask him to take this off my credit report, he stated he would. XXXX XXXX 's phone number is XXXX located in XXXX XXXX, Arkansas .This account was paid by my checking account from South Carolina XXXX XXXX XXXX XXXX 
I would appreciate if you could help me resolve this matter. The reason this happened and I fell way behind my XXXX XXXX away. 

Thank You, XXXX XXXX XXXX XX/XX/2022 2022
Product: Bank account or service

BB & T has been charging me excessive overdraft fees since I opened my account. Recently, I had XXXX item overdraft from XXXX for {$75.00}, and I was charged XXXX consecutive overdraft fees the day of and XXXX additional overdraft fee they next day. When I called to ask why and for the extra fees removed, they gave me some ambiguous explanation and banking jargon as to why they charged it. I had money for all my other pending transactions, but they structured it in a way to charge me maximum overdrafts. I am very upset, and this is not the first time they have done this to me.
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 XXXX # XXXX, Account name : XXXX Bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 or other personal consumer reports

I was surprised to see inaccurate accounts appear on my credit report this morning, and I have no clue how they got there. I check my report regularly, but this time, there were errors that seemed to come out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the issue persisted. Because of this, I request a detailed review of my submitted documents so that I no longer have to stress about this matter.
Product: Mortgage

Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.
Product: Student loan

On XX/XX/XXXX, I called EdFinancial to request a refund on my student loan balance which had been previously paid off in full ( I have the letters to prove it ). I requested a refund of $ XXXX to correspond with the amount that I would have been forgiven if the Biden student loan forgiveness program had not been blocked. They told me the request had been submitted and that I should see an electronic deposit back in my bank account within 5 months. 

I never saw the money come back in my bank account, however my student loan balance was updated to show XXXX. 

On XX/XX/XXXX I called EdFinancial again to request that the refund request be stopped and for the balance to be reversed back to XXXX, as I never actually received the money. They told me that they had requested a paper check be sent in the mail, which was not what I was told would happen in XXXX. I requested to cancel the check as I had never received it and to reverse the balance. EdFinancial then told me they would cancel the check and put in a request to reverse the balance. 

Since I saw no action being taken, on XX/XX/XXXX I called EdFinancial and I had to wait in a queue where I was quoted a 280 minute wait time. I waited over 5 hours, and then was hung up on. I immediately tried to call back and was given a wait time of 500 minutes which is unacceptably long. I then tried to do the live chat option but the chat was ended by EdFinancial before anyone actually began to talk to me.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft, and they still have not removed this bank that I have no knowledge of from off my report
Product: Mortgage

XX/XX/XXXX I entered into a Loan Modification Agreement with Chase Bank ( Acct. # XXXX ). I was required to make a substantial first payment in the amount of {$1100.00} with monthly payments to follow in the amount of {$710.00}. Per our agreement, after seven ( 7 ) scheduled payments my monthly payment would be reduced dramatically to approximately {$250.00} per month, as the loan would be " caught up '' and normal monthly payments would resume. 
I was required to send certified funds each month of which I did from a local Chase Bank. Each payment was withdrawn and transferred by XXXX XXXX - Relationship Banker, without fail. On XX/XX/XXXX I received a letter from Chase Bank, stating they were returning my payment of {$710.00} claiming I did not have an active payment plan. On XX/XX/XXXX I brought the letter and the returned check into the Chase branch and met with Branch Officer, XXXX XXXX. XXXX XXXX contacted a bank representative, XXXX XXXX and XXXX XXXX explained that Chase Bank was taking a " defensive '' position due to a communication with XXXX XXXX, my primary mortgage servicer. XXXX XXXX explained that there was no documentation he could forward to confirm a communication with XXXX XXXX and also stated the second reason for my account being placed " inactive '' was for non-payment since XX/XX/XXXX. XXXX XXXX did state he could n't understand why Chase Bank continued to accept my payments ( XX/XX/XXXX-XX/XX/XXXX ) after the account was suspended XX/XX/XXXX. 
I met with the local branch manager, XXXX XXXX and after approximately one week of investigating the claim of non-payment, she was able to have my payments confirmed as being sent and recorded in my payment history. There was never any mention of a " defensive position ''. 
Although I have made every payment on time and in accordance with the agreement, Chase Bank did not reinstate the payment plan. There was only one payment remaining before the loan would be reinstated in good standing and the much smaller payments would resume. 
I firmly believe this was deliberate and deceptive behavior on behalf of Chase Bank. Chase Bank refused the final payment ( of the trial period ) under fictitious and false claims. I am now being threatened by Chase Bank with possible foreclosure action and the request to start this process over again in order to avoid the action when Chase Bank has refused my payments. This is criminal.
Product: Debt collection

MOHELA/DEPT OF ED Contact XXXX XXXX XXXX XXXX, MO XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$7200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Mortgage

This compliant is related to CFPB CASE XXXX AND TO PREVENT FORECLOSURE SCHEDULED ON XXXX XXXX, 2015. J P Morgan Chase Bank purchased Washington Mutual. Home Owner of Property servicer XXXX XXXX XXXX reported to be the servicer of XXXX XXXX XXXX. XXXX XXXX XXXX denied being lender. XXXX XXXX Bank reported XXXX ( loans service by others a department of XXXX XXXX XXXX was the actual lender. XXXX XXXX XXXX denied any department exist in XXXX XXXX XXXX. XXXX XXXX XXXX is foreclosing of home owner without proof of ownership. Chase Bank reported XXXX XXXX XXXX is lender but has not provided document of purchase, document of sale, document of notice of servicer transfer and document of FDIC LOAN PURCHASE. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX continue to threaten home owner with foreclosure of property without any proof of foreclosure deed and deed under power. No validity of signature of documents but robo signers.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card TRANSUNION*** Original creditor XXXX XXXX {$2400.00} Account info Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXXXXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed XXXX XXXX XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Credit card
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024, I discovered multiple unauthorized transactions on my Cash App account, totaling {$250.00}. I immediately reported the issue through the app and provided all necessary documentation, including transaction details and proof that the charges were not made or authorized by me. 

Cash App failed to properly investigate or reimburse me for the loss, instead directing me to contact my bank. My bank informed me that because the transactions originated on Cash App, the platform was responsible for resolving the dispute. Despite several follow-ups on XX/XX/XXXX and XX/XX/XXXX, I received no resolution or refund. 

Cash Apps lack of customer service options, including no direct phone support, caused unnecessary delays and frustration. This situation has caused financial hardship and emotional stress, as the lost funds were critical for my living expenses. 

Outcome Sought : I am requesting full reimbursement of the {$2500.00}, as well as compensation for the emotional and financial distress caused by this mishandling. I also ask for improvements to Cash Apps fraud prevention and customer support processes to protect other users.