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

This is the several times I've complained about being a victim of identity theft. You must remove the inaccurate items that are opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate and need to delete : 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 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 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 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 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 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 card or prepaid card

American Express has a promotion ads on their website as " Refer-a-friend to the XXXX XXXX business card and get a bonus XXXX XXXX points ''. On XX/XX/XXXX I used their link to send out an invitation to one of my friend. And he used the link in the invitation email to apply the card and got approved the same day. 

So far I have not received any bonus points. I did multiple times of online chat with American Express. So far I have not results yet. 
On XX/XX/XXXX, the first agent collected all required information and opened an inquiry case for me and said " The standard time frame is 6-8 weeks, however it may be resolved sooner than that. '' On XX/XX/XXXX, the second agent said it is not 8 weeks yet, please wait. 
On XX/XX/XXXX, the third agent told me the max time is 8-12 weeks and please contact us after XX/XX/XXXX and we will let you know the status. 
On XX/XX/XXXX, the fourth agent told me the investigating is still on, please keep waiting. 
On XX/XX/XXXX, the fifth agent told me " I see the case is open, I am forwarding the case to be resolved and you will see the outcome in next 7 business days. '' On XX/XX/XXXX, the sixth agent told me " I can ask the supervisor to send an email again to the team to have the status checked an notified through a call however we are already working with the team to have the status shared with you '' After many months waiting and chatting with 6 agents, I still have no idea what is happening. All I got from American Express is " Please wait '', and it is way over their " Max time frame ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date openedXXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account XXXX  : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. THE CREDIT BUREAUS HAS NOT SHOWN PHYSICAL VERIFICATION
Product: Checking or savings account

On XX/XX/XXXX I deposited my sons check into my account and the check was put on hold and was supposed to be released on XX/XX/XXXX. On the XXXX I call and they say my account is restricted. Mind you my son lives in a different state and is XXXX XXXX XXXX XXXX. They say I have to bring in my son with me to a branch and this has never happened before. My Fiance who happens to be a XXXX  woman has had literally zero issues depositing my work checks in her account whenever I needed. I'm disappointed at this level of blatant discrimination in 2022. I spoke with employee XXXX
Product: Mortgage

XXXX XXXX with Cross Country Mortgage and his office are retaliating against me for making a complaint of MORTGAGE FRAUD against his office. 

I have made very respectful requests for a new point of contact, updates to my loan process, and other simple, very reasonable requests. I have never received any type of professional response, after making my complaint to the CFPB. 

This office has no respect for loan servicing and the honest relationship it requires. 

Not only this, and i have circumstantial proof, but XXXX XXXX HAS BEEN DISCUSSING DETAILS OF THIS COMPLAINT TO MY BUYER AGENT. For some reason he found it necessary to discuss these personal details of mine, XXXX RELATED ISSUES, and is further discriminating my severe XXXX, to MY AGENT. 

In no context anywhere does it say he has privileges to discuss this type of subject, MORTGAGE FRAUD and XXXX DISCRIMINATION with MY AGENT. 

This man is a shame, and should be reprimanded immediately.
Product: Debt collection

I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank XXXX XXXX was not able to prove such an amount to be owed and they ad to dismiss the case against me in the court of law. Their dismissal legally means they wave their right to claim such money, where it is no longer necessary to anyone to reopen the case. Also, the statue of limitation as per California law has passed for the XXXX XXXX  XXXX to claim any money. Thus, XXXX XXXX XXXXXXXX can't legally claim any money owed. The result, XXXX XXXXXXXX XXXX is using Experian as a proxy to engage in a criminal act of extortion under Penal Code XXXX, in which is a felony act of both XXXX  XXXX XXXX and Experian to be engaged in. I have notified Experian and disputed the wrongful reporting on my credit report many time since XX/XX/2021. Experian didn't notify of any result of such dispute nor properly investigated. I received nothing form XXXX XXXX XXXXXXXX nor Experian as a response to many disputes. My last dispute was in XX/XX/2021, where I disputed by mail and online. I have given Experian proofs of the court dismissal of the case. Experian been extorting to pay money that not legally owed to XXXX XXXX XXXXXXXX, since XXXX XXXX XXXXXXXX can't get any money legally. Experian been playing the proxy extortion game with by deducting between XXXX to XXXX point every month for the falsely claim money. This is not only unfair practice is also criminal as I read the PC519 where they using Credit reporting to cause a disgrace and deformity that induce public humiliation and financial hardship and damages.
Product: Checking or savings account

My Name : XXXX XXXX XXXX & XXXX XXXX DOB:XX/XX/XXXX SSN : XXXX CFPB Complaint ID:XXXX Complaint to Capital one Bank Hello, my name is XXXX XXXX, on XX/XX/XXXX , I opened a joint account with Capital One ( routing number : XXXX, account : XXXX ). 
I received a respond from Capital one Bank, but I disagree with what their responded. I did everything they told me to do, my friend and I went to XXXX XXXX many times. funds had already transferred to Capital One long time already so they could not do anything. 
I need a better solution. I hope someone can help me, I just want they return the funds to me or my friend accounts 1. Name : XXXX XXXX & XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check amount : {$3600.00} 2. Name : XXXX   XXXX XXXX ( XXXX XXXX ) Phone # XXXX Check Date:XX/XX/XXXX Check # XXXX Account # XXXX Routing # XXXX Check Amount : {$5000.00}
Product: Debt collection

On XX/XX/2018 I was contacted by someone at PayPal Credit requesting payment of a debt for {$110.00}. I was unaware that I had this debt and when it was explained I paid the charge over the phone with a XXXX XXXX XXXX   debit card. A copy of that payment is attached. The debit card is a Visa card.

OnXX/XX/2018, I received another call requesting the payment of the debt from XXXX, a PayPal Credit employee. The original charge had increased due to late fees. XXXX  was insistent that I had not paid and could not be persuaded that PayPal had made an error. To XXXX it was obvious I was a deadbeat. XXXX lacked the computer skills or the authority to see into my account. I was then transferred to two other people. One named XXXX  and finally a supervisor who stopped the harassing calls.

I then submitted documentation from the XXXX XXXX XXXX  and again PayPal insisted that this was not enough documentation. I went to my bank and Mr. XXXX XXXX, the bank manager, signed that the payment was made. I am again submitting the required documentation.

There is little else I can do and the late charges keep piling up. Apparently, this incident demonstrates the limits and the ultimate failure of online financial transactions. I will not be held responsible for the incompetence of PayPal. Therefore, I am requesting that you study the matter and solve my problem.

I am not responsible for PayPal 's inability to keep track of their money.
Product: Debt collection

My insurance, XXXX, said I had out of network privledges. 
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, when I loss XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Yes... XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have pictures for proof. 
I didn't even know if the hospitals ran the charges thru my insurance. 
When I called, XXXX said they did not run the charges thru them. 
The next thing know, I was receiving bills from XXXX XXXX XXXX XXXX XXXX XXXX 
I set up an automatic payment with my credit card, Just taking for granted the bill total was acurate. 
It was an automatic bill payment for several years that I had paid. 
You can check on that for accuracy. 
Then, there was fraud on my credit card account, which stopped payment on everything I had set up on automatic payment. 
There was never a problem until then. 
I just took it for granted that this was what I owed. 
I called the hospital and they said that these totals had never gone thru my insurance. 
I said, " Then what the heck am I paying for? '' This is when I was glad the fraud happened. 
Otherwise, I would never have questioned the charges from XXXX XXXX XXXX XXXX XXXX XXXX 
Please help, for God 's sake!!!! 
These hospitals are getting away with XXXX!!!! 

XXXX XXXX.
Product: Credit card or prepaid card

Barclays credit card company reported a negative information to XXXX, XXXX, & XXXX  without notifying me properly. Properly defines that they did not conduct a reasonable investigation regarding the reason for negative information which I clearly had a conversation with there representatives on Ref # XXXX which i warned that this needs to be fixed and 2nd  time which happened again which damaged my credit report Ref # XXXX. 

On both Reference when they don't mail statements they assume people have received their statements. Then when they have an automated robot phone calling ( XXXX ), which after picking up phone theres no answer or live person to notify that this is a Barclays card services, people assume its spam and block the number. Then after all that they keep calling but now it goes to straight to voicemail which i have saved all voicemails total of 8 empty 4 to 130 seconds of BLANK messages ( Please listen to 2 of the attachment to file I have saved all voicemails on XX/XX/2021 to my computer in case i need it for proof. This voicemail was from XXXX on XX/XX/XXXX XXXX & XX/XX/XXXX at XXXX ). 

The only way this was solved is by me searching this phone number that kept harassing me by checking background reference through whitepages which then identified its connected to Barclays card services, and i had to call the number behind the card to speak to a live person and not silent robot calling services.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 S 1681 E A. States every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 605 s 1681c to limit the furnishing pf consumer reports to the purposes listed under section 604 ( s 1681b ) collection agencies also have violated my rights by contacting me during my working hours and call me from different numbers. attached will be proof of said violations. 

All 3 credit bureaus have incorrect my name, birthdate and address. I have send certified mail back in XX/XX/XXXX with updated and correct spelling of my name, my correct birthdate and my correct address. Also, sent was my copy of Social Security card, my updated license with my new address. I asked for an investigation none of the 3 reporting agencies replied nor updated my personal information.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation . As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

My mortgage was transferred to Mr. Cooper from XXXX XXXX in XX/XX/XXXX. Since that time they have not paid my taxes due to the XXXX of XXXX. I received my first late notice from the city in early XX/XX/XXXX, and immediately called Mr. Cooper. I submitted all of the information as directed via email to their escrow/tax subcontractor twice. They still have not paid my taxes ( I called the city this morning, XX/XX/XXXXXXXX and confirmed I am now two tax payments behind ). Mr. Cooper is continuing to charge me escrow. I have contacted Mr. Cooper on six separate occasions and they have not resolved the issue. Part of the issue may be because my condo has a new tax ID as of XX/XX/XXXX. However, all the documentation I provided to Mr. Cooper includes the correct tax ID and I have directly told them to check the tax ID in my communications. As of XX/XX/XXXX ( my third attempt contacting Mr. Cooper ) it is impossible to get through the phone tree to speak to a live person so I have had to use the " chat agent '' feature. On XX/XX/XXXX my case was escalated to a supervisor and I was given an email address for her. I immediately emailed her and provided all the documentation I had plus my written notes on the issue and my attempts to correct it. She responded to my initial email but has not responded since. 

Finally, in the course of all this I noticed that the amount I am charged for escrow is nearly {$100.00} more per month than is needed to pay my taxes. I have raised this issue but have not received a response from Mr. Cooper.
Product: Credit card

I have carried a Bank of America XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a " hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that BOA is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : BOA monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, BOA has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences.
Product: Checking or savings account

The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX   and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate