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

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was to receive a wire transfer in the amount of XXXX on a settlement I was awarded because of a XXXX  on or around XX/XX/year> Then finding out that emails were hacked between my lawyer and myself. 
A fraudulent account was sent to my lawyer, who then went to this bank and transferred the funds, not giving me the proper information of a receipt that the wire transfer was sent ; it was XXXX  days later he finally sent it to me, and that is when I saw it was sent to an account that was not mine and my email was hacked. we went to my lawyers bank ASAP. 
The bank was XXXX XXXX XXXX XXXX XXXX XXXX  We then contacted my lawyer 's bank and told them it was fraud, and after several weeks they finally put the recall of the wire transfer in, only to be in a month 's time now with nothing but told, Don't know. as of today XX/XX/year>, im sitting here trying to recover the XXXX. 
I have other emails but they hace personal info that i can send when Im contacted
Product: Mortgage

We closed a home loan with Caliber home Loans in XX/XX/XXXX ( first mistake ). On XX/XX/XXXX we get a notice that our ACH has been canceled and in a separate envelope, we had a mortgage statement asking for a payment. I called Caliber ( spent 9 min getting through all their prompts trying to get to a live agent ) and inquired about our loan status and ACH. Our account online shows as active and the next payment is due XX/XX/XXXX ( which has me confused since they just mailed me a statement asking for payment ). Additionally - our online account with Caliber shows no indication the loan has been sold and will still allow extra payments. I was then told ( by the agent ) they are sending me a check ( in about a month ) for our escrow balance and I had to figure out what to do with that money with the new mortgage provider XXXX? I understand loans get sold but we have had no communication related to the sale, our online account with Caliber is still active and allowing payments, no clarity on why escrow was not transferred over and we have no information or communication from this new company.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft resulting from a data breach. As a result, fraudulent accounts and unauthorized inquiries have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$680.00} Unauthorized Inquiries : 1. Creditor Name : XXXX  XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX o Date of Inquiry : XX/XX/XXXX 4. Creditor Name : XXXX  XXXX o Date of Inquiry : XX/XX/XXXX XXXX. Creditor Name : XXXX XXXX XXXX  o Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX o Date of Inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX of 2023, I signed up for an account with this company because they advertised a deposit bonus. All I had to do was make two deposits totaling {$250.00} within 30 days. I was supposed to receive {$300.00} from them for doing so. I did that and then waited, but they never gave me the deposit bonus. Upon asking them why, they told me that my deposits didn't count because I was the owner of my own company. Doesn't seem like a fair practice.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, XXXX, and Experian for their ongoing failure to correct inaccurate and fraudulent information on my credit reports. Despite my multiple attempts to resolve these issues, including providing all necessary documentation and clearly outlining the inaccuracies, the credit bureaus have ignored all of my correspondence. This negligence has resulted in several violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681s-2 ( a ) ( 1 ), 1681c ( a ) ( 4 ), and 609. The credit bureaus have failed to maintain accurate information, reported incorrect account statuses, neglected to mark the accounts as disputed despite my multiple disputes, and have not verified or corrected the disputed information as required. Their actions have caused significant harm to my creditworthiness and financial well-being. I request the Consumer Financial Protection Bureau ( CFPB ) to conduct a thorough investigation, ensure the immediate removal of all erroneous information or mark these accounts as disputed until verified, and provide me with updated copies of my credit reports reflecting these changes.
Product: Credit reporting or other personal consumer reports

Remove the hard inquiries from my credit report because of multiple violations of fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Product: Debt collection

According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.
Product: Credit card or prepaid card

My credit card company says that I am {$60.00} over my credit limit and it shows a its not even a purchase it just says payment adjustment of {$100.00} when Ive called them they said oh we were where of the problem check back into 2 to 3 weeks nothing is happening at night I just dont understand according to them they say that the transaction was in XX/XX/XXXX but when I look at their website its as XX/XX/XXXX and theyre just very rude they wont explain to me what this is what it means how it became Ive been rebuilding my credit and Im very dillgent and make sure that I do not that my limit and whatever this is just popped up and theyre not seeing the same information that I see on the Internet on their system so I dont know if its fraud on there and what is going on but Id really like to see if theres a way to investigate it. My apologies for the run-on Im using talk to text
Product: Credit card

On XX/XX/XXXX I decided to accept a balance transfer offer sent by Chase. The balance transfer was successfully completed, I checked on my account and the amount was showed as pending and a message confirmed it was going to be completed in 3 business day. 

When I checked after 2 weeks, just to be sure the BT was proceed, I realized the transaction still pending and that my score when down for having to high balances. 

Chase did not send a letter, or call or any notification, even today still pending and no even a supervisor was able to explain what happened. 

Now with no notice, I am struggling paying the other credit card, still have my loc compromised with this balance transfer and Chase still say I need to give them 7 business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account is not correct this account is paid in full and closed yet Experian is still reporting as open XXXX XXXX  account number # XXXX
Product: Debt collection

Good afternoon, I am writing today for assistance in resolving a fraudulent collection account, which is not only being reported grossly inaccurate but which I believe is an attempt to pad an account and collect a debt not owed by myself. 
This regards a debt with original lender XXXX XXXX, issuer of a XXXX  card. The collection was originally for less than {$200.00} dollars. An item was purchased and RETURNED and a credit was supposed to be given. I called XXXX XXXX numerous times when I had the account with them and spoke on recorded calls to their agents and this was supposed to be resolved. i further asked that the account be closed, against the protestations of the agent. i wanted nothing to do with XXXX, XXXX XXXX  or anyone else. 

Flash forward, today this company XXXX XXXX XXXX is sending me a letter asking for {$3500.00} to settle XXXX. They are reporting this fraud to the 3 bureaus and damaging my consumer credit files. i am asking for the CFPB to intervene and oversee this company complying with the FDCPA guidelines in reporting. I am asking for the original documents pertaining to this account and the itemized list of charges that amount to the {$3500.00} which they say I owe. Furthermore, I would like this information to be provided from the original source : XXXX XXXX. 

I know full well no such charges were made, and the account was closed out with nothing more than {$200.00} ever having been charged during the entire time I had the card. 

This is another example of collection agencies and debt buyers fudging the facts and outright committing fraud. I am asking for this to remain on record as I will absolutely be reviewing my legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance Owed : {$25000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed {$720.00}.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past couple months this company allowed someone to use my credit report unauthorized. I received a alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They can't provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the Law and putting a hardship on me and my family with these negativity.
Product: Debt collection

XXXX XXXX has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.
Product: Mortgage

PNC Bank 's mortgage department has been operating out of compliance. They have repeatedly violated multiple mortgage guidelines as well as Equal Opportunity Lending requirements. Underwriters are not trained to know federal mortgage guidelines. Instead, they are only required to know the internal guidelines which aren't even followed correctly by every Underwriter. The internal guidelines aren't accurate to federal guidelines either. Files have been decisioned incorrectly and the same steps and requirements are not followed by all Underwriters. Underwriting management have also failed to abide by the companies own guidelines discriminating against files based on who the Mortgage Loan Officer is. Multiple files have been delayed due to the lack of regulations knowledge and competency by Underwriting. Not all Underwriters follow the policy guidelines correctly which is a violation of Equal Opportunity Lending. Files have sat dormant in Underwriting for over 30 days due to illogical company policies. If PNC Underwriters were tested on federal guidelines, they would fail. 

Underwriting Management needs to be removed and replaced. Every file should be reviewed and decisioned according to policy regardless of the Underwriter 's mood or who they are or are not getting along with internally. I have experienced Underwriters refusing to clear files for no valid reason or condition, causing unnecessary delays and in some cases, additional cost or financial loss to the client.
Product: Mortgage

GMAC recently withdrew their certificate of authority to transact business in Florida but yet Ocwen under GMAC 's name is making it very hard for us to keep our home. We were recently offered a short payoff by Ocwen to satisfy our mortgage loan debt. We requested an initial extension in order to organize our finances to payoff the mortgage debt. Ocwen asked that we withdraw our pending notice of error before they could consider our request for an extension. We did so in good faith and meanwhile Ocwen did not inform us that the number of days to our deadline had started. Ocwen then came back and denied the first request for an extension. Ocwen would not grant us an extension after Hurricane Irma devastated areas of Florida to allow for an inspection by the lender. We also showed Ocwen our commitment letter that said we would get funding contingent on an inspection of our home. Because of Irma the initial inspection was cancelled. Most of Florida was without power on XX/XX/XXXX and almost every business was closed and most counties were under mandatory curfews. The Supreme Court of Florida even granted an extension in the courts because of Hurricane Irma in XXXX XXXX XXXX where our home is located, but Ocwen refused to and they did not provide a reason why it could not grant the extension. Our attorneys repeatedly asked for an extension after that to allow for the inspection to occur. Ocwen denied our request and said the deadline was XX/XX/XXXXwhich was 5 days after Hurricane Irma. Prior to foreclosure we made all our loan workout ( modification ) payments in XXXX to GMAC. This was the same time that GMAC declared for Ch XXXX bankruptcy. Ocwen bought the servicing rights out of the Ch XXXX bankruptcy and prematurely foreclosed on us in XX/XX/XXXXbefore they had boarded the loan to their system and under the incorrect default date. Ocwen postXX/XX/XXXX was required to check the servicing file when they boarded the loan in XX/XX/XXXX. Had Ocwen done what was required of them, they would have discovered that the default had changed and that we had a work out agreement and seen that we over paid on our payments. We retained new counsel that filed a motion to vacate the final judgment on the basis that the loan was modified by the time the judgment was entered and therefore Ocwen or GMAC could not foreclosure. The judge asked the question what was the point of Ocwen keeping the payments we made if Ocwen did not have any intentions on modifying the loan but the judge ultimately ruled against us. Ocwen caused us to incur more legal expenses as they fought vigorously to take the deed of our home. Ocwen then recently gave us a new payoff that was exactly {$200000.00} more then the original payoff after Hurricane Irma again with no explanation why.
Product: Debt collection

FRAUD I DONT HAVE ACCOUNT XXXX WITH XXXX XXXX XXXX IS FRAUD PLEASE DELETE FROM MY CREDIT REPORT IS FRAUD
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Hello. I am submitting this complaint today as I have observed that my monthly credit report update counting is coming to an end, precisely 15 days from today. Therefore, I wish to inform you that I am hopeful for a substantial deletion to occur among the list of these fraudulent items, which I have previously listed in my complaint dated XX/XX/XXXX. To ensure the removal of these items from my credit reports, I have re-attached my FTC reports with reference # XXXX & XXXX, along with letters and documents for identity verification : -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX XXXX XXXX XXXX A XXXX, MD XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

For over two weeks I have been trying to work with chime bank in regards to a product they offer called my paycheck. The product offers in advance on your paycheck for up to XXXX XXXX of your paycheck earnings. I had used the product several times, and can show months of several direct deposits received from my payroll. Chime offers 50 % of an estimated amount based on the history of my direct deposits. This estimate has always been roughly {$860.00} which allowed me to take in advance of XXXX. Chime had allowed me to do this several pay periods and then recently the product has started reporting my estimate earnings way lower than ever before. I contacted Chime because it did not make sense as they were connected directly to my payroll through XXXX and they had been receiving my direct deposit every two weeks from my employer for over a year so theyve had plenty of data to create a better estimate. Also, my Pay has never decreased its actually increase and I have allowed more of my paycheck to be deposited into Chime and efforts to help build my credit with her chime credit builder card. 

Chime not only is set up with my direct deposit, but also linked directly to my payroll company XXXX, which means they have access to all of my personal data. Since they have access to all this data, I find it deceiving and not right that they can report an accurate data. 

Today XX/XX/2023 I logged in to my Chime app and noticed my paycheck product now only offered XXXX XXXX  of my off estimate earnings when it had been XXXX XXXX for months. I am currently going through a state of emergency were the advance funds I was hoping to use from the my paycheck feature to help me get through till my direct deposit. Not only did the percentage change but again the estimate earnings is still not accurate and has been somewhat accurate for months until now. I just talked with one representative and two separate supervisors because I was getting different answers. At one point a supervisor named XXXX told me completely wrong information which escalated it to another supervisor who could only tell me that they would escalate it further for the technical team to look at this continues to be the roundabout I get every time I try to work with Chime, and nothing gets fixed. 

I expressed to chime in their XXXX. How negative this feels against the consumer when me, the consumer did nothing for the negative impact. There is no reason I shouldve dropped from XXXX to XXXX XXXX and there is no reason my estimated earnings should be lower than they ever have been when I am having more deposited into my Chime account then before. I understand there are guidelines for the product, and I have read through all of them and I can not find one that I have broken in order to cause this issue.