23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a bill from Chase for an account I do not have. ( Image attached. ) I wrote to Chase and called, and spoke with XXXX representatives, but was unable to get any information regarding this bill. ( The phone representatives said they could not locate the account. ) I am fearful that this unpaid charge will be reported to credit agencies and harm my credit scorXXXX ( a valid concern any consumer would have, but also one I personally expressed in my previous CFPB complaint about Chase ) and perhaps also be referred to a debt collector. My concerns are ongoing because nobody at Chase was able to locate and remove the charge. I believe this erroneous charge is the result of Chase 's gross negligence in handling consumer data, as illustrated in the herculean efforts it took me last year to get Chase to close my empty accounts and delete my data.
Product: Mortgage

I closed on my house today ( XX/XX/2019 ). 90 minutes before closing, I was told that I had an existing loan on the property I was selling for an additional {$31000.00}. The title company did not send over the ALTA documents until 90 minutes before closing. My net proceeds were reduced to {$5500.00} from {$36000.00}. I have an apartment complex that I was supposed to move into. Was told that if I didnt close on the house I would be sued and have to pay court costs and attorney fees. Then was told how the other people had just closed on their house and would be homeless unless I closed. Now I am homeless and was swindled out of my house. The title company delayed sending the ALTA and disclosed that there was a second loan on the property. I also contacted my mortgage company for a payoff amount and they did not inform me of this second loan. They told me and sent documentation stating I only owed {$100000.00}. I feel wronged and had my mortgage company disclosed that there was an existing second loan, I would not have listed my property in the first place for sale. I was told that there was no second mortgage or loan on the property. I lost everything today. And I feel that there was information not disclosed to me about what I actually owed on my property.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers disputes outcome.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or Amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Checking or savings account

I contacted Wells Fargo about fraudulent transactions on my account and it was not investigated. I contacted Wells Fargo after trying to resolve the issue with cash app but I had no assistance from neither parties. Im currently out of {$4000.00} and they closed my account.
Product: Credit card or prepaid card

For several months, I was not able to access my XXXX XXXX account ( Comenity Bank ) online and would get an odd error message. I would also get the same error message when trying to change my password ( to try to clear the login issue ). I have had the account for many years with paperless billing. Before paying the current bill in full, which is my standard practice, I always review the specific charges first, which I could not do, since I could not access my account. In the meantime, I knew the minimum payments would be made because I had set up autopay. I called approximately 2-3 months ago and the customer service person I spoke with confirmed the login problem for my account, and said I should try again in a week and by then the login difficulties should be fixed. She also said they would start sending me paper bills. Two weeks passed, and I still couldn't access my account and I have yet to receive a paper bill. So I called back, and that customer service representative also acknowledged the login problem with my account and unregistered my card so I could reregister it and hopefully clear the log in problem. But, when I tried to reregister, the registration function was down and was not available. The customer service representative who had unregistered my card acknowledged this, and said I should try again later. Two to three weeks later, the registration function is still not available, and I have still not received a single paper bill. So I called again today. This time I paid my bill in full over the phone, without an opportunity to review the charges, because I already had a late charge. When my card was unregistered online, my autopay election was also cancelled apparently. The customer service representative today has put in a request to reverse my late charge. She also said I needed to work with my local post office, to see why I am not getting my paper bills. I live in a very densely populated urban neighborhood and the mail delivery is notoriously poor, which is why I always elect for paperless statements. So now I also have to worry about the fact that paper statements are being delivered to the wrong address, on top of not being able to check the charges actually made to my account. She suggested I keep using easy pay function ( which does not allow me to review charges ) and said hopefully the card registration feature would be fixed. I simply gave up and today paid my account in full, without an opportunity to review the specific charges, including any interest that had accumulated.
Product: Credit reporting or other personal consumer reports

My XXXX credit card has never been reported by Experian, though it shows up on my XXXX and XXXX credit reports. I first contacted Experian about the issue in XXXX, where they told me there was nothing they could do. I then filed two or three disputes on my XXXX XXXX credit card to indicate that some of my credit card information wasn't being reported, but Experian closed the disputes without fixing anything. In XXXX, I called customer service again and was told to submit proof of identity documents through an online link, which has consistently redirected me to a dead page reading " internal server error '' every time I have attempted to submit the documents. I followed up with XXXX in XXXX and confirmed that they were reporting to all of the credit bureaus. Now, it's been nearly half a year since I've been trying to fix the problem. In addition, I'm unable to receive my credit report from Experian through the annual credit report website funded by the government. Both XXXX and XXXX, again, direct me to my credit report information. The Experian page always shows an error sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.
Product: Mortgage

My escrow account has missing funds. This has been going on since my bankruptcy was paid and closed. Ever since my escrow has been missing money and my mortage payment keep going up. They paid more to insurance Co that was not correct amounts. They were rude and wouldn't help me understand why even going as far as to say they can't look up my information I asked for about my escrow account. They keep saying I was in the negative but wouldn't explain. They paid my last insurance Co more money than was my bill. Then when I changed insurance they paid them twice. XXXX XXXX sent them XXXX and my insurance sent them back one of the payments of XXXX they state I only have XXXX this has been going on since iv been with them.
Product: Debt collection

Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX and I have been banking with Bank of America since XX/XX/XXXX. I had just moved back to XXXX from XXXX XXXX  in XX/XX/XXXX. I was receiving my social security check payments to this account by direct deposit and had not had any problems. 
In XX/XX/XXXX, not sure why but my account was locked, but Bank of America failed to inform me that they locked my account and I would not have any access to my funds. I have been trying to work with BofA since XXXX to resolve this issue and get access to my account, but they keep giving me the runaround. 

In XX/XX/XXXX, I was told by Bank of America I needed an XXXX driver 's license or identification card for them to unlock my account and restore my access. I got my ID card, and they still will not unlock my account or give me access. From XX/XX/XXXX to XX/XX/XXXX I have called BofA multiple times to check the account. On XX/XX/XXXX again Bank of America said they were closing the account. I had {$1000.00}. This was the last amount I was able to see, but my social security payments have continued to be deposited to the account so the amount is likely larger now, but because I am locked out of my account I can not get the exact amount. 
I spoke again with them the first week of XX/XX/XXXX ( on or about the XXXX ) ... and they stated they will send me a check of my funds when my account is closed. I have been trying to close the account for over a month, since XX/XX/XXXX. The BofA told me that they are in the process of closing my account, and it should be closed by XX/XX/XXXX. 

It is now XX/XX/XXXX, and BofA still has not closed my account and/or returned my funds or given me access to my account or funds. This has been a huge inconvenience and I can't even convey how this has upended my life the last few months. I have not been able to pay bills, make personal purchases, I was unable to participate in Holiday XXXX gifts because I did not have access to my money to buy gifts or other items needed for the holidays. And worse yet, my brother died in XXXX right before XXXX and because BofA is holding my money XXXX, I was unable to purchase a ticket to travel to XXXX XXXX  to attend the funeral and I couldn't even send flowers for the service because BofA is wrongfully blocking my access to my own money. 

Please help.
Product: Credit card or prepaid card

On XX/XX/2022, I called customer service to discuss the benefits of my card, how the process works for receiving limit increases, and why I might not be receiving any offers for conversion to their XXXX program. 

As a customer for over XXXX with good payment history, and a {$23.00} balance at the time of the call, I expected to have a conversation with the representative, but instead the representative CANCELED MY CARD within 30 secs of getting on the phone. 

I explained that I have called customer service in the past and generally have had poor customer service ( i.e. disputing records on my credit report, requesting letters, etc... ) and that I wanted to discuss options or otherwise I would consider closing my account. The rep then said there's nothing she can do, put me on hold and CLOSED THE ACCOUNT without further explanation of how to pay the balance, or if I would receive an email confirming changes. 

I DID NOT WANT TO CLOSE MY CARD OR ACCOUNT AND IMMEDIATELY CALLED BACK IN LESS THAN AN HOUR. 

There was no written communication showing the account was closed so I called customer service ( who was extremely nice this time ) and I explained that I simply had remorse over cancellation and would like to keep my card if possible. Again, in less than 2mins on the call and a brief hold, the representative said there's nothing he can do and if I would like to reopen I can apply for the card again. It feels like it must be some benefit to them to force me to open a new line of credit. 

My XXXX XXXX is XXXX with XXXX and XXXX with the others, household income $ XXXX, and I was an active ( spending ) customer for XXXX XXXX, with not even " we hate to see you go '' or a full explanation of their policies or practices when closing an account.
Product: Credit reporting or other personal consumer reports

I am so disgusted by the fact that I've wasted so much time attempting to recover anything about my identity. There is absolutely no point and it isn't because XXXX is reporting truth, or that they make things hard to dispute, they simply don't put XXXX ounce of effort in from the bottom to the highest person I've spoken with at their company. 
I have decided to just give up on trying. 
I spent the last XXXX XXXX  on the phone calling creditors with a XXXX  XXXX, XXXX XXXX. Nearly all day from XXXX am to XXXX pm, calling and sitting through the things that I do on a XXXX  basis with these XXXX who seem to only exist to waste time, with her listening to the entire conversation and identifying herself as being from XXXX. The XXXX time i've had any shred of hope at all. 
After we were finished, she referred me to identity theft insurance and created a claim number. She said that she thinks I am due a lot ( I'm having trouble even getting a claim submitted for the things that are covered by this policy which seem like nothing ). She also said that a XXXX  of the creditors that we spoke with, I may need to take to court and if I do that I should have my attorney subpoeina our phone calls as evidence that I do not owe these creditors anything. She also filed new disputes for me on a XXXX  of things. I felt like I was maybe going to make it out of this alright. 
Im sitting up at XXXX  looking at my credit report because I can't sleep like usual. I see that every single XXXX of the disputes she submitted were ruled " unchanged '' mostly because I've reported them in the past, they did nothing in their investigation, and then ruled against me a XXXX  or XXXX later. So now they are simply referencing their lazy effort from XXXX  ago, and saying " we didn't actually do anything, we just saw it was already disputed so we ruled against you. '' I can go on for a full novel about the injustice created by experian every single XXXX. But I want this to be read, so I'll just say that on the XXXX  page of this complaint it asks what my complaint is about. Part of me wants to file a separate report for all of these things because every single XXXX of them has happened nearly every single XXXX  since XX/XX/year> : Incorrect information on your report ( account or personal information incorrect, information not mine ) Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Unable to get your credit report or XXXX XXXX Credit monitoring or identity theft protection services Problem with fraud alerts or security freezes Problem with a company 's investigation into an existing problem Which best describes your problem? 

Problem canceling credit monitoring or identify theft protection service Billing dispute for services Received unwanted marketing or advertising Problem with product or service terms changing Didn't receive services that were advertised
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to remove XXXX unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. This failure violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports. 
Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX XXXX XXXX with the following account numbers : # # # # # # # # # # XXXX ( {$4400.00} ) # # # # # # # # # # XXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
TransUnions Failure to Remove the Debts : Despite this clear lack of validation, TransUnion has allowed these unverifiable accounts to remain on my credit report. 
This constitutes a violation of the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to remove unverifiable information. 
Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my TransUnion credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms. 
Relevant Legal Arguments FDCPA ( 15 U.S.C. 1692g ) : Debt collectors are required to validate debts upon a consumers request. XXXX XXXX  failed to fulfill this obligation, rendering the debts invalid. 
FCRA ( 15 U.S.C. 1681i ( a ) ) : Credit reporting agencies are required to remove unverifiable, inaccurate, or incomplete information from consumer credit reports. TransUnion has failed to comply with this requirement. 
Continuous Dispute Rights : When a debt is transferred to a new collector, that collector must validate the debt before attempting to collect or report it. XXXX XXXX failure to validate these debts while managing them renders them invalid and unreportable. 
TransUnion has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. This negligence has caused harm to my creditworthiness and financial well-being. I request immediate action to ensure these accounts are removed from my credit report and that TransUnion is held accountable for its noncompliance. 

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

I think FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you please check the documents? Some of the listed accounts have inaccurate reporting, incorrect amounts, and dates.
Product: Checking or savings account

I Deposited a US Treasury Check on XX/XX/year> and was told that the check will be on hold for XXXX  days as it needed to clear the Federal Reserve account process. When i told them the check is already deposited, they said there was no way remove the hold. I looked at the Treasury Verification system and the check was stated as paid in status and so as I expected the company is leaning on extra time to profit from interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX  Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX I would like these fraudulent accounts removed ASAP as this not only hurting my personal score, but hurting my chances of obtaining business credit because fraudulent items was open and is still OPEN on my personal report. Please remove!
Product: Checking or savings account

I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.
Product: Money transfer, virtual currency, or money service

Someone committed fraud on my Zelle account and they told me it was nothing they can do about it