23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. 

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

I need you to please look properly at the attached documents.
Product: Debt collection

On XX/XX/2022, I received written communication from Credit Collection Services indicating that I was owed {$1600.00} for a past due amount from the original creditor XXXXXXXX XXXX XXXXXXXX XXXX. I contacted CCS and explained that I had been in contact with XXXX XXXX because the amount was incorrect, and we had been working to resolve the matter directly with XXXX to come up with the correct amount owed. CCS maintained that I owed {$1600.00} and reported this amount to the credit bureaus despite being told that it was the incorrect amount and it was being handled directly with XXXX. After speaking with XXXX XXXX and the amount was corrected to {$890.00}, I again notified CCS that the matter was being handled directly with XXXX and asked them to remove the debt collection from my credit report. Instead of removing it from my credit report, CCS adjusted the amount to {$890.00}, giving the impression that I had made a payment directly to them. When I contacted them again and asked them to remove it from my credit report and explained that I was dealing with it directly with XXXX, they refused. I explained again that I would not be paying them, but paying XXXX  directly, CCS still refused to remove it from my credit report. The payment was made to XXXX directly ( see receipt ) and yet it appears that it was made with CCS and is still appearing on my credit report.
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 has verified these. 

Depending solely on your flawed XXXX 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 XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Mortgage

We have our home loan with The Money Source. Starting on the XXXX of every month they call repeatedly, almost everyday asking for us to make a payment. The last time my husband spoke with them he told them that the payment would be made on the XXXX. Today is the XXXX and not only did they call him this morning, early, but they callled his place of work asking to speak with him. My husband has told them numerous times to not call during the time he is working and they continue, he has asked them to not call him at work and yet this is the third time they have contacted him at work. They have been very unprofessional when he asks them to not call during the time he is at work. He asks them to stop calling he will pay on a certain day and they continue to call. They refuse to speak with me personal, for I am not on the loan and tell my husband that will send a " third party '' paper where I can be listed as a contact and we have yet to receive the paper they reference but we get all of communications from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a online Opt-Out to LexisNexis on XX/XX/2022 @ XXXX and it has been past 30 days according to my consumer right concerning my public records being shown & shared on my reports to the public, also the investigation has not done anything to showing my public record even though it is discharge bankruptcy. This public court record should not be showing on my reports if I opt-out I will upload my proof. 
LEXISNEXIS has not up held my consumer rights and has ignored my Opt-out document and if it continue to be public or shared I will seek legal help and damages. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX has pulled my credit over four times in a series of days. I have not agreed nor allowed for these inquiries to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.
Product: Credit reporting or other personal consumer reports

Equifax did not complete a proper investigation or update the inaccuracies related to my student loans with XXXX. Despite providing substantial proof multiple times to support my claim, Equifax has consistently failed to correct the incorrect reporting of my XXXX XXXX XXXX XXXX I have also lodged several complaints with the CFBP documenting Equifaxs negligence. This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing the results of Equifaxs investigation, it is evident that no proper investigation was completed. This has resulted in no updates or corrections being made to my credit report, which continues to reflect incorrect information. The failure to update and correct my XXXX XXXX XXXX XXXX is not only frustrating but also damaging to my creditworthiness. Equifaxs inadequate handling of my dispute is unacceptable and unlawful.
Product: Consumer Loan

On XX/XX/XXXX suit was filled on my account acted that same day a payment was made to bring my account current after I received service and nervous conversations with a male by the name of XXXX in their office an agreement was reached that as long as the payment was due for that month was made prior to the court date, a portion of the debt paid by XX/XX/XXXX and the balance the fallowing week that case would be dismissed as a dismissal with leave to reinstate would be entered. A payment for regular monthly payment was made on XX/XX/XXXX I specifically asked if I had to go in to sign the order for dismissal he stated no. No need to the case would be dismissed weather I 'm there or not base on terms of the agreement. Court was on XX/XX/XXXX today as I checked court records it shows a judgement by default was entered against me which is no where near what the terms of the agreement was on XX/XX/XXXX if their calls are not recorded I do have the voicemail left on my phone stating that agreement and my phone call to confirm as well. Prior to this agreement..I was advices nothing could be negotiated that I would have to go to court prior to this agreement was reached because the attorneys were not their attorneys when I advices I would go to court then he advised the attorneys are their own attorneys and they are their attorneys..
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX
Product: Checking or savings account

I opened an account with Truist Bank with an initial deposit of {$50.00} which was debited from my account from the former SunTrust which was acquired by BB & T to form Truist A few weeks later I tried to login but was locked out of my account by truist I then called to see what the issue was I was told that it was closed due fraud which could not have been so I called a day or two later and was told I needed to sign a signature card which i needed to retrieve from a branch the issue is I live in XXXX XXXX XXXXXXXX and the closest branch is in southern New Jersey which is out of the way I asked could it be emailed to me and faxed they said no theyve been assessing account maintenance fees to the account
Product: Debt collection

XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
Product: Mortgage

1. The mortgage broker E Mortgage XXXX XXXX, CA improperly completed their paperwork and failed to seek a subordination for another lender.

2. After all signatures were done they still had not completed their paperwork.

3. Once the loan was closed and I received the main cash out pmt. I received a letter from the previous loan company that the payoff was short paid not by much but {$160.00}.

It took about 5-6 phone calls to even talk to the broker XXXX XXXX.

4. It was rectified after two weeks of calls.

5. Then I got contacted, post loan from a Notary who had no Idea what he wanted me to sign. I tried to contact XXXX XXXX no answer and voice mail full. A day or two latter he contacted me and explained the above that they had failed to get the subordination. I then waited another week before the Notary contacted me and the papers got signed.

6. The broker had told me they would reimburse me {$520.00} I was charged for I think the appraisal.

7. After I was told several times the check was being sent out and was not I finally called XXXX XXXX company and asked for his boss XXXX, He was able to get XXXX to call me. XXXX does not seem to answer his phone and his voice mail is always full.

XXXX  agreed to get a cashiers, take a picture of it and text that to me. ( He did that ) now we will see if the check comes.

Personalty I will never deal with XXXX  or E Mortgage again and will never encourage any one to deal with ether of them.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$21000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$710.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$82.00} Open Date XX/XX/XXXX XXXX  Balance {$620.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX ONEMAIN Date XX/XX/XXXX FIRST PREMIE Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXDate XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app for inadequate customer services and unfair practices, which violates the CFPA. I had Cash app for many years before I stopped using them do to not being able to speak with an agent either by phone or chat whenever there were issues. I lost money on many occasions due to Cash app not having representatives to assist with questions, concerns about money being taken out of my account ot accounts or phone numbers being mixed up. These issues caused financial hardship and inconvenience.
Product: Student loan

I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.
Product: Credit reporting or other personal consumer reports

I OBTAINED A CREDIT REPORT FROM XXXX XXXX XXXX XXXX, REPORT # XXXX. AND I SEE A inquiry from XXXX XXXX ON XX/XX/year>, XX/XX/year>. I HAVE NEVER CONTRACTED WITH XXXX XXXX TO FURNISH ANY TYPE OF REPORT TO ANY COMPANIES.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX This XXXX  XXXX account is illegal and unauthorized and needs to be removed via USC 1681li ( a ) XXXX XXXX XXXX XXXX  {$16000.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX **This Bankruptcy is well over 7 years of the statue of limitations for reporting on credit bureaus . It must be removed from XXXX, XXXX, and Transunion in a timely manner** Bankruptcy XX/XX/XXXX Collections Credence Resource Management {$1200.00} Date Opened XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I tried to pay my outstanding debts with Citi Bank, but they refused to accept my payment, because it is a bank based in the XXXX. I am trying to pay off my debts, and I do not understand why they will not accept a payment from me. I do n't see why it matters that it is a XXXX bank, given that Citi is an international banking institution and has no problem dealing with foreign institutions or money.
Product: Checking or savings account

I set up a TD Bank checking account in my former state and then moved to a new state where there are no TD Bank branches. I have called for months now to close my account with TD Bank, however, they continue to charge overdraft fees, maintenance, fees, and paper statement fees. There has been no purchase to overdraft the account, only TD bank fees. TD Bank was charged with illegally collecting overdraft and maintenance fees in 2020 and was charged by the consumer finance protection bureau, which resulted in them paying millions of dollars in compensation to those affected. They are now saying they only have one record of me calling to cancel the account, and that no action was taken after that point. I have spoken to them on three separate occasions on which they have refunded a portion of the fees but refused to refund the net positive balance of {$33.00} to my account which they claim I would need to go to a branch to do and then close the account from there. In the state I live there are no TD Bank branches and I have told them this many times. They refused to help and continue to charge fraudulent fees. On my last call, the representative XXXX ( call time XXXX CT XXXX ) told me that she would not refund my account if I was to contact the consumer finance protection bureau about the matter. She then got very snippy with me and told me my only options were for her to refund {$50.00} of fees but she would need to close the account that day. I told her this was not OK and again told her the history of the account to which she said she could either refund the {$50.00} or I could contact the consumer finance protection bureau. I then asked her if she was aware of my right as a consumer to report this behavior and that it does not hinge on my request that TD bank not charge fraudulent fees to my account and assist me in closing the account. She was essentially giving me a choice to forfeit my money which TD Bank has taken by refusing to close my account and continuing to charge overdraft, maintenance, and paper statement, fees, despite months of records of me, calling, and asking them to cancel my account. I feel like I am in a catch 22 and a big bank is trying to bully me Into forfeiting the money that was left in my account and also not having me reach out to let the consumer finance protection bureau know that they are demonstrating the same behavior again. I asked that you look into this to the fullest extent that you can, and am asking for your help. Every time I call they continue to go over the language of their account and state that I owe them this money, and that they are doing me a courtesy by refunding a portion of the maintenance fees. My response has always been the same. They are talking about an account which should have been closed months ago and which they continue to charge fees to. Please help.
Product: Credit reporting or other personal consumer reports

The company APPLE CARDGS BANK has obtained my consumer report on XX/XX/2022, XX/XX/2022 and XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to APPLE CARDGS BANK to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Product: Debt collection

XX/XX/2018 I was trying to get all the amounts I owe from all my credit cards under my name to see what I can start paying it off because I didnt have a job at the beginning of the year and I wasnt trying to get all my accounts closed because I need credit line. Soon Ill get a settlement from a lawsuit I had so I want to be able to have some credit line after I pay some off. I didnt get noticed about my accounts being charged off.
Product: Checking or savings account

on XX/XX/year>, I noticed on my Chime online account that on XX/XX/XXXX, there was a charge of {$35.00} on there to a closed account. I disputed the charge, and Chime denied it without offering evidence to the contrary. 

Additionally, doing research of my account, I noticed that there were other monthly charges of {$35.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). These charges were to a company called " XXXX '' in which I did at one time have an account with them but was closed In XXXXXXXX XXXX XXXXXXXX with a XXXX balance as well as today, it still shows a XXXX balance on the closed account. 

I logged into my Chime account and chatted with a live rep and explained to her my issues regarding the dispute. She stated to me ( I am including screen shots of that conversation ) " I shouldnt be getting the charges. the account was closed months ago ''. She also stated that " it looked like it was going to someone elses account and I needed to file a dispute with my bank ''. 

With all this new information in hand, as well as the documents showing other monthly charges of {$35.00}, I appealed the denied dispute which the reason they gave as the denial is " the transaction was canceled '' ( how stupid? ) if it were canceled, why the charges? 

Never the less, i submitted those new documents and the screen captures of the comversation with the Chime Representative and YET, they STILL denied the dispute! I have been a customer since there inception and TRUST ME, this isnt the first time this has happened. Chime is well known for rejecting disputes. there are SEVERAL blogs out there and posts of consumers saying the same thing about there dispute process. or " lack-there-of ''! 

I am closing my account. I have found another competitor and have allready started the direct deposit transfer process. Start up companies like Chime start small, and then get inflated, they think they are above consumers and the government and real banks. There is a reason they can not get FDIC insured! 

Please continue to make an example of them as you have in the most recent class action suit. 

Regards, XXXX XXXX