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

US CODE 1681 E- COMPLIANCE PROCEDURES B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

MY LEGAL NAME IS - XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OF THE INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT. THE INFORMATION LISTED ON THIS DOCUMENMT IS NOT MINE AND NEED TO BE CORRECTED. THIS IS A RESULT OF IDENTITY THEFT. 

MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX MY SOCIAL SECURITY NUMBER XXXX XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE CORRECT ANY ERRORS. 

MY PHONE NUMBER IS ( XXXX ) XXXX PLEASE REMOVE THE ALL OTHER NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE ( XXXX ) XXXX PLEASE REMOVE ANY EMPLOYERS LISTED ON MY CREDIT REPORT THEY ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXX THE FOLLOWING INQUIRIES ARE NOT MINE, THEY ARE FRAUDULENT AND THE VENDORS REPORTING THEM MOST SHOW THAT THEY HAD THE LEGAL AUTHORITY TO ACCESS MY CREDIT REPORT OR THE INQUIRY MUST BE REMOVED. 
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 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 reporting

Experian is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Experian on XXXX XXXX, 2016 and another follow up letter on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
Product: Credit reporting

The purpose of this complaint is that Experian has disregarded my request in providing me with appropriate documents showing validation on the disputed accounts. I do not recall having a contractual agreement with the disputed accounts. Since validation can not be made under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act- the agency is required to " ... promptly delete all information which can not be verified. '' Thank you very much for your help regarding this problem.
Product: Credit reporting or other personal consumer reports

Subject : Deletion of Unauthorized Credit Inquiry & Retraction. 

XXXX XXXX I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. 

The inquiry was made on XXXX, XXXX, and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.

I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. 

I also demand retraction of any application or security in your possession. 

Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Product: Mortgage

We had a mortgage with Mr Cooper that was serviced by Right Path Servicing. In XXXX of XXXX, Right Path Servicing was contacted a hazard insurance company for payment of a policy of the same last name as ours but a different policy address. Right Path paid this company {$1700.00} from our escrow account. We discovered this error when the end of year escrow statement and projections was issued in XX/XX/XXXX. I contacted Right Path multiple times in XX/XX/XXXX and finally thought we had the issue resolved. Loan was transferred on XX/XX/XXXX to XXXX XXXX. During these phone calls is when we discovered the improper use of our escrow funds by this mortgage company. We were escalated to a supervisor who explained what happened and steps they would take to correct. Insurance company wanted to issue a refund check to me directly but he suggested not releasing our personal information and allow the check to be issued to Right Path and Right Path would issue a corporate check for the refund. We agreed. 

Well not 100 % sure what happened but the {$1700.00} was never credited to our new escrow account. After several more calls we were told check from insurance company arrived XX/XX/XXXX and new check was issued XX/XX/XXXX. XXXX XXXX can not confirm arrival or locate the refund check. On XXXX in a conference call between both mortgage companies and myself we request photocopies of the check and the address to which the check was sent. No response and in another conference call with the XXXX mortgage companies on XX/XX/XXXX I am told by the escalation team that Right Path no longer services the loan and I will need to contact incorrectly paid insurance company directly to get a new refund check issued. This is when I reached my breaking point with Right Path. Asking me to impersonate someone who happens to have the same name as me and request a new refund check for their mistaken payment. How did Right Path pay the hazard insurance policy on the incorrect address? How can Right Path leave my escrow account short {$1700.00} for a year? How can Right Path not transfer our entire escrow balance?
Product: Mortgage

Mr Cooper has been trying for the last few months to force my property into foreclosure so that they can foreclose on it. 

I have been late a few times but the fees have been paid and also they are aware I always catch up on my late payments. Now after becoming late for two payments I am unable to make a single payment to prevent the foreclosure process. 

This is a deliberate attempt to force the property into foreclosure and is a fraudulent process. Mr Cooper needs to be investigated for this practice.
Product: Vehicle loan or lease

I have a loan with XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX   XXXX with no successful resolution.XXXX only reporting me late. There was definitely an error on their part. I was never 59 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I partially filled out an application for an apartment but never submitted it. They decided as a sales tactic to approve my application and do a hard pull of my credit that I never consented to.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested redemption of my Bank of America reward points on my credit card with last 4 digits of XXXX I redeemed the points with XXXX Gift card in the amount of {$440.00} I received confirmation on XXXX online and stated i will receive my gift card in 2 weeks ( XX/XX/XXXX. I live in California. I received the card on or about XX/XX/XXXX. 
Months later, I wanted to give the card to my employee as a gift. I unmasked the Card code to find out the exact amount. I called XXXX. I was told that card 's balance was XXXX! It had been used on XX/XX/XXXX th by another person not my name on XX/XX/XXXX before i had even received the card. I was told they have seen this pattern with Bank of America issuance of gift cards. 
The only two people who would have access to the code of the physical card would be Bank of America employee who issued the XXXX gift card and me. Since the card was wiped out on XXXX before i received it, then it was obvious that Bank of America employee was the culprit. Bank of America needs to secure client confidential data and be held responsible for their lack of safety in securing client data and are at fault for all illegal activity their employee is imposing on unsuspecting clients. 
I discussed by case with Bank of America 4 times and received a letter stating that they will not issue my rewards back case # XXXX. No assurance was given that they would put policy and procedures in place to protect their customers. I am a Physician that works in the hospital working long hours and come home exhausted. To spend hours on the phone on my day off with Bank of America ( whom i have been a loyal customer since 2001 ) was just too much. 

They have breached their contract. They assured i would receive rewards, I signed up with them with that assurance. I spent money on their card, amassed rewards, ordered gift card only to have their employee steal my gift card number and buy merchandise on line.
Product: Money transfer, virtual currency, or money service

I received a notification on the XXXX of XXXX that a transfer to my account was put on hold and that I needed to provide further information. The reference number provided to me was # XXXX. The amount is not stated, but I am expecting XXXX USD ( minus any bank fees ). I submitted the requested information on the same day. I received confirmation that everything was set via email. I was expecting to see the funds the next day as normal, but I didn't see anything so I wrote my bank asking if everything was OK. They told me they needed more information, which I provided. I received confirmation via email from an agent on Sunday the XXXX of XXXX that they had everything they needed and to review the case. Monday, I still did not receive the funds so I emailed the agent again and didn't receive a response. I chatted with an agent online and they let me know that these checks will take 1-4 business days and they will get back to me. I waited until Friday the XXXX and still didn't have any funds or answer from them so I reached out again via chat. The agent told me that they escalated my case, they could see it was still in progress but they would be in contact with me. The next day XXXX hadn't heard back so I wrote again, and I was told these things take time and all I can do is wait. I wrote via XXXX complaining about the response and the fact that I still do not have the funds, or any idea what so ever about why the funds were placed on hold. I have been in contact with them via XXXX since then ( today is the XXXX of XXXX XXXX and I still have no answer as to when my funds will be available or what checks are taking place.
Product: Checking or savings account

At XXXX XXXX  on XX/XX/year>, someone made an unauthorized transaction of {$200.00} at the XXXX on XXXX XXXX XXXX XXXX, XXXX, ID. I was XXXX  at the XXXX  reserve at XXXX XXXX XXXX XXXX, XXXX at this time and received a text message fraud alert from Chase Bank. I checked my email and also had a fraud alert message. At XXXX XXXX  XX/XX/XXXX, I called the fraud line at Chase Bank to cancel my card. The representative asked if the card was lost and verified the surrounding purchases. Since I was XXXX, I wasn't able to verify that the card wasn't in my possession until XXXX. The representative canceled the card and submitted the claim. At XXXX XXXX, I made it back from my hike and realized that my card was not in my possession. Back tracking, I last had it in my possession at the XXXX on XXXX XXXX XXXX in XXXX around XXXX XXXX  XX/XX/XXXX. On Tuesday XX/XX/XXXX, I received a digital copy of a receipt from XXXX in the dollar amount of {$200.00}. This happened because my debit card was connected to my XXXX account. Anytime that debit card is used, XXXX provides a receipt of the purchase. The receipt showed that a {$200.00} gift card was purchased. It also showed that the PIN was bypassed by running the card as a credit sale. XXXX does not use tap to pay so the chip was inserted. On XX/XX/XXXX, I learned that Chase denied the fraud claim. I called to learn why and to appeal the decision. I was told they weren't able to confirm unauthorized use. On XX/XX/XXXX, I went to the Chase Bank Branch on XXXX XXXX in XXXX Idaho. The branch consultant said to fill out a police report and submit it to the Chase fraud claims department. I contacted the XXXX Police Department and completed a police report regarding the stolen debit card. This report was submitted on XX/XX/XXXX. On XX/XX/XXXX, Chase again denied the claim. When I called on XX/XX/XXXX, the claims department said the reason was too technical to explain. They also said they do not consider police reports as evidence. On XX/XX/XXXX, I also contacted the loss prevention team at the XXXX to obtain XXXX  camera evidence that I was not the purchaser but did not receive a response. I am providing all evidence, including location evidence that I was not at XXXX XXXX XXXX XXXX at XXXX XXXX  on XX/XX/XXXX. I did not authorize this purchase and do not have possession of the debit card that was stolen. I would like Chase to reverse their decision and return the {$200.00} in funds to my account.
Product: Checking or savings account

This is related to my complaint on XX/XX/XXXX with Goldman Sachs XXXX. The bank responded that they closed my account while I still have {$5000.00} left in my checking account. They have NOT returned my money.
Product: Credit reporting or other personal consumer reports

incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False must be remove in my report and monetary compensation under FCRA 15 U.S.C. 1681i ( 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 ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the personAccounts listed below in XXXX XXXX highlight text accounts in status incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False Reporting Must be deleted Immediately!.

items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the XXXX, XXXX, and Transunion for their repeated failure to provide accurate and fair reporting of my credit information, in violation of the Fair Credit Reporting Act ( FCRA ).

Despite my repeated efforts to address these errors, the credit bureaus have continued to report inaccurate, outdated, and misleading information on my credit report. Specifically : 1. Upon attempting to access their website, my credit report displays a blank entry. Additionally, third-party credit report sites indicate inquiries regarding disputed fraud. Furthermore, I have requested the removal of addresses and phone numbers that are not associated with me, yet they persist appearing on third-party sites. Notably, student discharges are still reflected on these sites.

2. I have contacted their customer service by phone multiple times. I fax and mailed information they said was required.

3. I been getting denied for credit cards and loans I need to start my business and improve my life.

It is apparent that the credit bureaus are failing to fulfill their legal obligations under the FCRA to investigate disputes thoroughly and correct inaccuracies in a timely manner. This neglect has severely impacted my financial standing and reputation.

I demand immediate action to resolve this matter, including : 1. A complete investigation of the disputed information with all relevant creditors or furnishers.

2. The removal of inaccurate information from my credit report.

3. Confirmation of the corrective actions taken, along with an updated copy of my credit report.

4. My credit report shouldn't be Blank when lenders run my credit and shouldn't show blank when I'm accessing their website. My credit report be updated to the most accurate scores If this issue is not resolved promptly, I will explore all available legal remedies, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ), seeking legal counsel, and pursuing damages.

I expect a written acknowledgment of this complaint within the timeframe mandated by law and immediate action to resolve the inaccuracies.

Attached, you will find supporting documentation, including copies of prior dispute correspondence, proof of identity, and evidence demonstrating the errors in my report.

Failure to resolve this issue in a timely and satisfactory manner will leave me with no choice but to escalate this matter further.
Product: Checking or savings account

Scammed using my social security number to open a checking account and tried to open a credit card which was declined!
Product: Mortgage

Once again, I have submitted my payment in XXXX for XXXX and I am getting hit with another late fee. In addition I submitted the tracking number as well as check serial number with payment details to towne and they have not responded or updated my payment once. They continue to submit me as late on my payment which is incorrect. My payment was submitted on time and I also provided all necessary information that they requested in hopes that my payment would be applied correctly. 

Someone from towne responded to me regarding a review I posted and claimed that my payment had been applied to the incorrect loan. This cant be a regular occurrence for this company and Im not sure if it should be an occurrence that is acceptable for a mortgage company. I am constantly inconvenienced with payments when Ive done nothing wrong. This should be proof that there is a faulty system with the company and not me as a consumer. 

The company claims I had two returned checks however I spoke with a rep at towne and asked specifically do you know when this money will be deducted because I have another bill that is due and they cant come out the same day he assured me that the payment would be deducted before my other payment was deducted which did not happen which resulted in the payment not going through. I have grown tired of communicating with towne verbally because their practices are to verbalize one thing and what they verbalize constantly differs from what is listed in print. I send emails and get no response, I send inquiries through my portal and no response. 

This company should not be able to practice this way.
Product: Money transfer, virtual currency, or money service

I have had the account temporarily canceled for four months, where they ask me to withdraw the funds to completely cancel the account, but at the same time they have blocked me so that I can not withdraw my funds, I have ; 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: Bank account or service

I originally submitted a complain against CitiBank on XXXX/XXXX/16. The case number is XXXX. CitiBank responded to the claim by stating they were sending a check for {$400.00}, the cash equivalent of the points I was owed for a promotion. However, the check never arrived. No one at the CitiBank phone support team was able to help me as they are unaware of the issue. Additionally, the PDF CitiBank attached listed my first name incorrectly as " XXXX '', leading me to believe that if I were to even receive the check, it would possibly be addressed to the wrong person. 

I have still not received the promised compensation as of this new filing.
Product: Credit reporting

I contacted Experian to dispute an entry showing a balance due on my credit report with XXXX XXXX Bank. I have settled this account through a collection agency, and I provided Experian with a copy of my receipt. However, provided me with an updated copy of my credit report which still shows that this account has an outstanding balance due, when it should reflect that it was a settled account with nothing due.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I disputed accounts with Equifax, XXXX, and XXXX. They have not preformed an investigation to validate the accounts. I also sent the credit bureaus a letter from the creditor stating that they did not report the fraudulent information to the credit bureau. Please assist me with this issue. This account is harming me from finding a home for me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did investigate an issue. I did obtain cable from them I do owe them money. I have already request this account be investigate and removed. what license and information was given for this account. my daughter said she got the account and paid it
Product: Credit card or prepaid card

I tried to reopen my Citi prestige card a day later i received a email stating the my reopen request was denied because of a late payment on my account I have never made a late payment on my account I sent them a payment via Mail on time they never credited my account resulting from their error I received a late status on my Citi prestige card