23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I reviewed my credit reports and noticed that there were inaccurate accounts listed. I have asked for the reporting agency to remove and then came back stating that the accounts were verified however the bureaus never sent me any documents showing how these reports were verified. After sending FTC reports I only received a letter stating it was updated. But no information on what was updated. I am asking over and over for this information but no one is sending me this as requested. I have contacted the creditors over the past 7 months and no response. The following credit cards are listed on my credit reports and are inaccurate and I am requesting that they be removed immediately. 

XXXX XXXX  {$10000.00} balance XXXXXXXX XXXX  {$15000.00} balance XXXX {$2000.00} balance XXXX {$0.00} balance Inquiries listed XXXX XXXX Used Cars XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXXXXXX XXXX XXXXXXXX on XX/XX/year>, appearing on my consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There are 4 hard inquiries in my credit report that I need removed. Some of these date back as gar as last year and are over 6months old. They should not still be on my report
Product: Debt collection

I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit
Product: Credit reporting or other personal consumer reports

It has come to my attention that there may have been a compromise regarding my credit with your institution. Upon reviewing my records, I observed that an account previously removed has reappeared in my XXXX credit report. It is imperative to note that under Section 605b of the Fair Credit Reporting Act ( FCRA ), there exists a legal obligation to promptly remove and block any account determined to be the result of fraudulent activity. The disputed account in question does not pertain to my financial obligations. Attached herewith is the required FTC Report # XXXX for your reference and action. I kindly request the expeditious removal of this account from my credit profile. Should there be any inclination to consider the possibility that this account pertains to me, I insist upon the provision of all documentation bearing my signature. It is worth emphasizing that regulatory standards necessitate a meticulous verification process, ensuring the absolute accuracy and verifiability of any purported account. Failure to furnish relevant records and insisting on account verification without substantial evidence may compel me to pursue legal recourse. I trust that compliance with statutory mandates will facilitate the swift resolution of this matter. The disputed account, having been opened without my consent or knowledge, warrants immediate removal, in accordance with Section 605B of the Fair Credit Reporting Act. For your reference, the pertinent details of the disputed account are as follows : : XXXX : XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -- TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}
Product: Checking or savings account

On Friday, XX/XX/XXXX, I sent a XXXX transaction for {$3500.00}, then on Saturday, XX/XX/XXXX I sent an additional {$3000.00} XXXX transaction as I could not send the total {$6500.00} in one payment, this was for a down payment on a new car hence the large transaction amount, which this {$6500.00} transfer should have left my account with a balance of {$4000.00}. After the XXXX XXXX transaction, and additional, unauthorized XXXX XXXX was put on hold in my account by XXXX, which I have been working with them directly to correct this $ XXXX issue. However, when this money was put on hold XX/XX/XXXX, my account in the ending balance said it would have an available balance of {$1000.00}, which adds up since there was $ XXXX being held from {$4000.00}. On XX/XX/XXXX at XXXX XXXX, I received an email that my account had gone below {$100.00}, when I got a chance to log on at about XXXX XXXX  on XX/XX/XXXX, there was only {$25.00} in my account, with absolutely no transaction history as to why there was a {$1000.00} discrepancy, I was forced to transfer $ XXXX from my savings to avoid low balance charges. I have gone to my nearest Bank of America branch to try and get this issue corrected, where I was treated horribly, they helped walk ins while I waited 15 minutes past my scheduled appointment time, when I finally got in with an advisor, I was attempting to explain the issues and the gentleman kept interrupting me so I politely asked " May I please finish my sentence '' the gentleman locked his computer, told me to not dare raise my voice at him, and went to leave the room. I said " Sir I have not raised my voice at all, I have been nothing but polite and am just asking to finish my sentence without being interrupted. '' He let me finish and then just stuck me on the phone with customer service so he didn't have to deal with me anymore. At this point, I am just waiting for the $ XXXX to be released back to me, but when I have been trying to find out about the missing $ XXXX, I keep getting sent in circles to different agents who all just keep saying they can not do anything since there is no transaction for the missing money - which is the exact problem - there is NO transaction for the missing money. If they are able to present me with a transaction and it is valid, then I would drop this is issue, but there is not a single person with Bank of America who can tell me where and why this transaction is. I have been on the phone with them everyday and getting absolutely no where. Today I was told that the low balance email must have been sent to me in error, to which I responded saying the email was absolutely not an error, there was in fact below {$100.00} in my account, the error is that it should never have gone that low in the first place. I need help, nobody with the bank is willing to help me recover these funds or even just give me an explanation as to where the funds went. I am now overdue on several bills including my rent and utilities as I don't even have the money in my account to pay them. I have attached screenshots of the low balance email I received.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capitals one failure to deposit my direct deposit from my employer and any other incoming deposits.capital one has citied tech issues which may violate the electronic funds transfer act ( EFTA ) as it requires timely to access funds. This situation is very concerning and comes in the way of protection laws, I request assistance investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Product: Mortgage

My husband of 25 years has passed away recently. I am XXXX and mostly XXXX, and I am in XXXX and can not think clearly most of the time. For the past 3 years my husband was taking care of all our finances, so I was lead to believe, well now I find that none of our finances were being taken care of and I see where I am in default in all my loans. I do not want to lose my home and would like the opportunity to fix this issue.
Product: Payday loan, title loan, or personal loan

I gave the title company XXXX as per the hud1 attached.  It was for payments ahead since the attorney (realtor) said I could pay ahead on the land contract since REC are paid ahead, but mortgages are always paid arrearages.  However the payment did not go to the escrow company.  I asked XXXX XXXX in a claim I made to XXXX XXXX about the money and she did not provide the copy of front and back of the check to me to provide to escrow because the attorney who did the purchase contract between me, XXXX XXXX XXXX and the sellers, XXXX XXXX and XXXX XXXX, mortgagors for the wrap around mortgage does not have it in the escrow company the two attorneys chose, XXXX XXXX.  
The attorney is confused and did a default letter because he was not present when the contract he did was explained to us by the title company escrow officer, since XXXX XXXX, and XXXX XXXX was the title company preferred vendor.
Now the attorney says represents the seller, and I did not know that, I did not know I can contact an attorney, and I do not know if the buyer agent is then the title conpany
HOwever, the seller is in default of the mortgage because says never got my payments from the title conpany and that is why he was late and now owes XXXXK to the bank and they are foreclosing and says he has been in hardship due to the missing XXXX a the title company  Maybe the title conpay paid some other land contract?

However, I paid and I am paid until XXXX and they are taking the house awy from me.   The escrow conpay only has XXXX to offset the XXXX missing at the bank.  Please help tracing back the $XXXX from title company that propelled the XXXX missing from the bank through escrow.  
thank you we want to keep our house I am a single mother of XXXX XXXX, XXXX, and with one XXXX kid.

I got a substandard house i changed the ac, the heater, the water heater, repaird roof, floor windows and paid all months and only owe XXXX in my house.  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sick and tired of Experian marking my complaints here as duplicates! They marked complaint # XXXX-XXXX as duplicate, citing complaint XXXX-XXXX from XXXX, which they ALSO DID NOTHING!!! If you all keep this up, I will be looking into legal means and sue for every ILLEGAL REPORT in my credit file. Your practices are ILLEGAL. You are NOT supposed to ignore disputes! Please tell me how an account concurrently reporting POSITIVE AND NEGATIVE FOR THE SAME MONTHS gets ignored!! I KEEP HAVING TO FILE COMPLAINTS HERE BECAUSE SOME XXXX AT YOUR COMPANY KEEP MARKING MY COMPLAINTS AS DUPLICATES!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit builder loan with Brigit/XXXX XXXXXXXX XXXX in XXXX of XXXX. My payments were set up to come out of my bank account by ACH. My account was being reported as accurate until I received notification from XXXX XXXX on XX/XX/XXXX that I had missed a {$10.00} payment. Brigit does not provide a phone number to contact them with an issue or question. Everything is directed through their email. I emailed them about the missed payment as I had not been notified. They claimed that they had emailed and texted me as my first payment had not processed yet they reported that it was on time to the credit reporting agencies. At that point I decided to close my account due to failure to report and inaccurate reporting of information. I received {$30.00} of my payments as the credit builder account doesnt provide any monies upfront therefore I did not owe any money for the loan as I had not received anything. I discovered that Brigit had not closed my account as requested and is still reporting the balance of the loan as {$410.00} when it should be XXXX. Again, I received no part of the actual loan monies. They have also reported the one late payment as different months for all three of the credit reporting agencies. Brigit had reported the late payment for XXXX and XX/XX/XXXX and currently as XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I have all of my email communications to prove their response to their inaccurate reporting and I provided them with my credit report showing it is still reported as being open in XX/XX/XXXX. I have disputed this account 3-4 times with every credit reporting company yet Brigit continues to state the information is accurate. This is harming my credit as it brings up my credit utilization percentage and dropped my credit score based on their failure to notify me about a potential ACH issue with my bank. I have considered hiring an attorney to sue this company as I am not getting any resolution from Brigit.
Product: Checking or savings account

On XX/XX/21 I checked my Bank of America checking/savings accounts and noticed a large sum of money missing. Upon further review, I found someone had gained access to my banking information, logged onto my account and transferred money from my Savings account to my Checking/Debit account. Next using XXXX, they transferred money to themselves in 10 separate transactions. An additional 2 transactions occurred via XXXX where they transferred more funds. A total of {$3900.00} was stolen from me. I reported this immediately to Bank of America and they froze my accounts so no further transactions could occur. They were able to interrupt 2 of the XXXX transactions that had not yet gone through, so {$880.00} was recovered and put back into my account bringing my total loss to {$3000.00}.
Product: Credit card or prepaid card

Yesterday I was going onto my account to see if a return from XXXX had gotten credited to my account when I couldnt get on. I called and they said my account was permanently closed because someone had tried to put direct deposit into my account that wasnt my name. I get my paychecks in this account all the time and Im not sure who would try and do that. The only thing I could think is me and my fianc both have bluebird and I entered my direct deposit on something of his but even that is unlikely. They wouldnt give me any info or help me try and figure it out. I have money on my card that I can not get and the woman on the phone basically said XXXX me, refused to get me a supervisor or help to get my money released to me. I have my stimulus going into this account along with paychecks. So if someone had tried to steal my account without my knowledge that is identity theft and that doesnt give them the right to close my account and keep my money. Ive sent them emails and they still are refusing to help at all. Ive researched and see they have done this to numerous others and they never got their money back at all. This happened yesterday XX/XX/2021 and I have had bluebird for years. Never any issues besides them overcharging and saying its for a tip for the merchant.
Product: Debt collection

Ive noticed today XX/XX/year> that there was a collection added to my credit which I dont recall is mines and I want this removed but I dont owe this company nor is this my debt, Ive also filed a identity theft report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax for proof of validation for several items but instead I was sent a copy of my credit report. I demand that XXXXXXXX XXXX  in the amount of {$840.00} be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  XXXX Account # 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
Product: Money transfer, virtual currency, or money service

i had tried renting out a house they had sent me multiple messages and i finally responded i went to go see the house i even got in the house they wrote me a contract i gave them the money for it they where going to show up never showed up they took my money didnt respond i got a hold of my bank and i filed a police report who ever was in the other side i tried sending them the request to get my money back it kept getting rejected i told the police and i talked to the bank they decided me i still havent gotten my money back and i am struggling to make ends meet and home to stay at
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wis excited and she message me on my XXXX message out blue that she won and told me that my name was on the list I must sign up i sign up fill out form from XXXX Banker email XXXX ( deaf XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) He told me that i won winning check XXXX He been telling me to buy gift card and money I have no idea why I started to do that XXXX told me to buy i will get my money back to pay off my bills and need XXXX XXXX to get my winning check my credit card will not let me I knew something not right and i stop and we file police reports 6 times and i went to my bank that we change our checking account and my bank told me that that fraud people took my money out my checking account {$3200.00} out to paid XXXX XXXX and they turn down went back but we never came back that was not authorized ... that money went to Bank of West that is not my bank my bank is mainstreet XXXX  XXXXBank of West try to paid my credit cards bills they don't accept their payment Bank of West that where froud people
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ; XXXX ; +3 others Date : XX/XX/XXXX EXPERIAN CREDIT BUREAU XXXX XXXX Department From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXXXXXX   Last 4 Digits Of Social Security Number : XXXX Phone number : XXXX Dear Dispute Department, I am writing to dispute some information on my EXPERIAN credit report. The following are the details of my dispute : Dispute 1 : Account Information : Account name : XXXX Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Account number : XXXX This account and balance do not belong to me. I have already sent numerous disputes, an identity theft affidavit, a fraud report, and a police report regarding this urgent issue, but it has not been corrected yet. 

Dispute 2 : XXXX XXXX XXXX XXXX  Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX These accounts and balances do not belong to me either. This is a case of identity theft/fraud, and I have already submitted all the necessary documents to rectify this issue multiple times. The balance listed on this account is incorrect and needs to be corrected. I have already reported this account as a result of identity theft. 

Thank you for taking the time to look into this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Complaint/Fraud/DATA Breach SC XXXX XXXX XXXX XXXX XXXX ; XXXX others Sun XX/XX/XXXX XXXX XXXX  Reply Reply all Forward SC XXXX XXXX Tue XX/XX/XXXX XXXX XXXX ( No message text ) SC XXXX XXXX Thu XX/XX/XXXX XXXX XXXX ( No message text ) SC Your Inquiry to Chase D XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You Mon XX/XX/XXXX XXXX XXXX  Thank you. I look forward to hearing from you. 
Thank you. I appreciate your help. 
I look forward to your response. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX Re : Account Ending in XXXX Dear XXXX XXXX, Thank you for your email correspondence addressed to the Executive Office of Customer Advocacy and leadership members at XXXX. To ensure your concerns are adequately addressed, your email has been forwarded to my attention within the Executive Office of Customer Advocacy at XXXX. 



After our investigation, we have determined that this account and balance do not belong to you. You were a victim of the XXXX XXXX data Breach and this is an account established due to that data breach. We will send the request to the three major credit bureaus to delete this record. 



If you have any questions or would like to provide additional information, please feel free to contact me at ( XXXX ) XXXX. I am typically available Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX. ( ET ). 



Sincerely, XXXX Executive Office of Customer Advocacy
Product: Mortgage

My loan application at Quicken Loans was denied. I have great credit ( XXXX credit score of XXXX ), had plenty of liquid funds on hand to close on the loan, and my DTI ratio was well below the standard for sound underwriting. 

While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However, a quick check of my credit would have revealed that the inquiries were all related to me starting the mortgage shopping process. 

This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative, which is that I was denied the loan because of my race which is pretty obvious by my name.