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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD INQUIRIES THAT MUST BE REMOVED NOW! 
INQUIRIES : XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal XXXX XXXX Business type-Bank Credit Cards Contact info XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEXXXX XXXXXXXX number- ( XXXX ) XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal dateXXXX XXXX Business type-Bank Credit Cards Contact info- Address XXXX XXXX XXXX XXXX XXXX, NVXXXX Phone number- ( XXXX ) XXXX XXXX  Important XXXX XXXX XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance Companies XXXX non specific Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MNXXXX Phone number- ( XXXX ) XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Automobile Dealers, Used Contact info-Address XXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXX US SM BUS ADMIN ODA Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Federal Government Contact info-Address XXXX XXXX XXXX XXXX XXXX, TXXXXX Phone number- ( XXXX ) XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXXXXXX XXXX date-XXXX XXXX Business type-National Credit Card Cos. 
XXXX Important dates-Inquiry date-XXXX XXXX, XXXX Removal XXXX XXXX Business type-Personal Loans Companies XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry dateXXXX XXXX XXXX Removal date-XXXX XXXX XXXX XXXX Important XXXX date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Finance other than personal Contact info-Address XXXX XXXX XXXX XXXX, XXXX Phone number- ( XXXX XXXX XXXX XXXX XXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal XXXX XXXX Business type-Finance, personal Contact info-Address XXXX XXXX XXXX XXXX, NYXXXX  Phone number- ( XXXX ) XXXXXXXX XXXX Important dates-Inquiry date-XXXX XXXX XXXX Removal date-XXXX XXXX Business type-Banks and S & Ls XXXX XXXX XXXX  XXXX XXXX XXXX, DEXXXX Phone number- ( XXXX ) XXXX XXXX XXXX  Important dates-Inquiry XXXX XXXX, XXXX Removal date-XXXX XXXX Business type-Automotive Contact info-Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NYXXXX Phone number- ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Help on XX/XX/1922 I called Equifax to verify if they have received the documentation attached from XXXX XXXX XXXX XXXX and the agent stated that she have documentation that verified this unauthorized inquiry. At this point this is proof that the credit reporting agencies refuses to reporting with grave fairness. How do I have a letter from the company stating that they put in a electronic request to have this item removed and the agent from Equifax is telling me something else and stating that this inquiry is to remain on my credit file? Equifax is disregarding the laws and procedures of The Fair Credit Reporting Act.There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I would also like to add that I asked the agent have they received a request and she stated that she is unable to check that but she is able to check to see and that they never received this documentation. I requested to speak with a supervisor and he stated the only way to removed this fraudulent inquiry was to provide them with a FTC report. XXXX ID number XXXX also stated that a letter from the company requesting the credit application deleted from my personal credit file is not good enough. The only way to get it removed is to provide a FTC remove.
Product: Credit reporting or other personal consumer reports

Please see attached Letters as the accounts listed on the letters are results of Data Breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the XXXX XXXX, FL courts order XXXX XXXX   to remove the debt they had reported on my credit profile to be removed. I contact XXXX  three times and provide documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All three times I received notice that they could not remove this debt off my profile. WHY! I have a court order stating it needs to come off. What else do I have to do to resolve this?
Product: Credit card or prepaid card

On XXXX XXXX XXXX I received my social security benefits. I went to Chase bank at XXXX XXXX XXXX XXXX and tried to make a cash advance for {$1300.00} the teller got the XXXX XXXX XXXX debit card and ID and attempted to process the transaction, she said it would not go through. ONLY then did she tell me they were having computer issues. When I got back to my car I received a text from XXXX XXXX that my account was debited {$1300.00}. I went back to the bank 3-4 minutes and showed teller on my phone that the transaction did go through. They said the system would reverse the charge after midnight, it did not. On XXXX XXXX I went back to bank with a copy of statement from debit card. Bank loan officer said they realized it was their system failure stated he received email stating that, he would not give me copy of email?? On XXXX XXXX went back to bank, had gotten name of manager her initials are XXXX explained situation to her and she would not take any responsibility for error, very sarcastic I told her I was n't leaving until I had some evidence from them of problem. She would not do anything to help me and called police. When officer arrived I explained why I was distressed, I was not yelling are screaming. He asked that I would wait in my car while he talked to people in bank, when he came out he was sympathetic to my problem. He asked me to wait until XXXX if I had not received my money back he would write up a Fraud or Theft report. I 'm about to be evicted and behind in normal bills. Both the loan officer and manager of bank have flat out lied straight to my face. Today 's date XX/XX/17 this has been going since XX/XX/17. <P/>Needing help XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2019IcheckmycreditreportandnoticesomeonehadstolenmyIdentityandopencreditcardaccountsandcarsinmyname.IfiledapolicereportandaFTCreport.Iamjustwouldliketogetmynamebackandhavethecreditreportingcompaniestopleasedeletetheitemsformmycreditreport.

Thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report I discovered items that have unverifiedinformation. I was in XXXX XXXX, XXXX, OH from XX/XX/XXXX - XX/XX/XXXX. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( x3 ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My bank will not cancel my PMI on a 30 year conventional loan despite a proper request. I first requested it be cancelled several years ago and I understood I had to have 20 % equity. We paid about {$500.00} for an appraisal and it was around the 20 % equity threshold. We received a letter rejecting our request from the bank stating we needed 25 % equity. Where did this arbitrary threshold come from? We had no known recourse. 

Second, I recently again requested PMI be cancelled. We paid about {$500.00} for a 2nd appraisal and this time we clearly have at least 20 % equity. However, in the interim, and for the first time ever in the almost 10 years I 've had this loan, we accidently paid the mortgage 1 day late. Let me explain - my daughter was very ill and we were focused on that and did n't pay on time. I realized the error on the last day of the month ( payment is late if it is not paid by the end of the month due ) and called the mortgage company to explain what happened and went online and paid that day when it was still timely. However, it was already in the evening and the payment could not be processed until the following day, making the payment 1 day late. Based on paying 1 day late we now have to wait an entire year before we can again request PMI can be cancelled so that we have a year of on time payments. I called the bank and asked them to reconsider as a courtesy and explained it was a one-time error due to extreme family circumstances ; I posted a payment timely, called to explain the situation and explained the situation online, but the payment did n't process until the following day. They declined and are still requiring we continue to pay PMI. 

Through paying for 2 appraisals and the continued cost of the PMI for at least another year, we are out about {$2200.00}.
Product: Credit card

XXXX XXXX XXXX CEO Chase Card Services c/o Executive Office XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Re : Freedom Account Ending In XXXX Dear XXXX XXXX, I am writing in regard to your notice dated XXXX XXXX, 2016, and in up to conversations held with Customer Service and with Branch Manager XXXX XXXX. 

As a long term Chase cardholder, I am shocked and appalled by the response I received to my request to retain my Chase Freedom card. The employees I spoke with claim that the closure in response to inactivity, but have refused to renew the card on the basis of account activity after the date of your notice. In addition, they claim that Chase 's decision not to renew the account will not negatively impact my credit, despite the fact that it will reduce both the length of my held accounts and my DTI, therefore lowering my credit score. 

Chase argues that its actions are not an adverse action because the account is being closed due to inactivity. However, refusal to consider activity after the date of the notice when the account continues to remain open for an additional two months renders the argument specious. Clearly, Chase has decided to end the account regardless of any activity. Therefore, the decision is an adverse action, though no adverse action notice has been issued. 

Even if Chase is successful in defending its actions under Regulation XXXX, Chase 's actions constitute a UDAAP. Specifically, they meet the definition of an unfair practice. Per the Dodd Frank Act, an act or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumers or to competition. 
In this case, Chase 's actions are likely to cause substantial injury because it will negatively impact the length of my credit history and my DTI, resulting in a lower credit score. The injury is not reasonably avoidable since Chase failed to provide any notice of its intent to close the account if I did not begin using it, and refuses to renew the account on the basis of activity between the notice date and the date of the existing card 's expiration. In addition, several Chase employees have offered me the opportunity to apply for a new card to replace the XXXX schedule for closure. The opportunity to apply for a new account, even with the same credit line, does not mitigate the injury to my credit since a long established account provides different benefits than a new account. Finally, the injury is not outweighed by some countervailing benefit. Surely, Chase can not reasonably anticipate any benefit to itself or its customers by instituting a policy that results in replace existing, long term card accounts with new card accounts held by the same consumer. 

I again request that Chase maintain my account. Should this request be again denied, I intend to obtain legal counsel to protect my financial interests. 

Sincerely, XXXXXXXXXX CC : Consumer Financial Protection Bureau XXXX IA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for services with XXXX XXXX  Ive always had XXXX. My information have been found on the black market/ dark web and is compromised. I even have a fraud alert on my credit report. Ive been trying to get this inquiry removed because I never applied for credit with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX agreed to delete and close this account however, it still reporting on report incorrectly.
Product: Mortgage

My husband was approved to refinance his mortgage with Quicken Loans/Rocket Mortgage. His name is on the loan only, I am on title. The mortgage company wanted information on the mortgage on our primary home where I am on the loan only and my husband is on title. I provided a mortgage statement, original mortgage note etc.., then Quicken requests 12 month mortgage history, so I sent my credit report showing 12 month history. Then they request 12 months of my bank statements.Again, I am not on the loan with Quicken or on the refinance. I sent 12 months of statements, just the page showing the payment and marked out the remainder because I felt it was an invasion of my privacy. my husband and I have separate bank accounts. My income is not being considered. Quicken continues in insist that I send all pages of my bank statements. The loan on our primary home also has been assumed and company changed names multiple times. They keep requesting a mortgage note issued by XXXX mortgage. It does not exist, XXXX was formally XXXX who was formally American Home servicing etc.. I feel Quicken has no right to my information since I am not on the loan. Bottom line my husband was approved for a 15 year loan 3.375 % interest. Thats a cut of 2 % interest and going from 30 year to a 15 year mortgage. Looks like Quicken doesnt want to lose that money made on interest on current loan and is making excuses. It is now over 70 days trying to close the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DCXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX XXXX  WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has violated my rights. they say multiple times they refuse to remove the inquiry on XXXX in regards to XXXX XXXX XXXX in XXXX XXXX XXXX I now have evidence to prove that they lied in their investigation and proves their willful noncompliance of federal law. I will submit evidence from XXXX XXXX and XXXX XXXX
Product: Credit card

Capitol One Bank has been sharing my personal non-public information with non-affiliated third parties including consumer reporting agencies. on XX/XX/2023 I notified Capitol One Bank that I am opting out of all and any authorizations whether written, unwritten, verbal or non-verbal for the sharing of my non-public personal information pursuant to 15 USC 6802 of the Gramm - Leach Bailey ( GLBA ) Despite my explicit opt out request and my clear assertion of my rights under the GLBA, I have reason to believe that Capitol One has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized use of my personal information constitute a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud or other financial harm. 
Can the Consumer Financial Protection Bureau please investigate this matter thoroughly and take the appropriate action to ensure that Capitol One complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security for consumers like me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX XXXX - Opened on XXXX XXXX, XXXX {$980.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX Account Numer : XXXX XXXX XXXX Account Numer : XXXX XXXX XXXX XXXX  Account Numer : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently signed up with Verizon cell service. I applied for a Verizon credit card. On XX/XX/24 I received a letter in my XXXX mailbox at my home. It was from Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX The letter stated they needed more information to confirm my identity. They had my address already but I gave them my ss number. Then I got suspicious of a scam and ended the call. I contacted Verizon and was told they are not associated with this bank. So now I have problems.
Product: Debt collection

Due to Clovid-19, we are having difficulty paying our mortgage. I called our loan company, XXXX to refinance. I was advised on both my husband & I need to get some debts taken care of. I can't pay the debts as I'm having difficulty paying my mortgage. A loan processor @ XXXX said if I get a letter from the credit company 's saying " If I pay debt in full, it will be taken off my credit report. XXXX XXXX on my husbands credit report sent me a letter saying this. My debt company M.S. Services, L.L.C. will not give me such letter as they say, " due to their contract with XXXX XXXX XXXX XXXX, it will stay on my credit report as PAID IN FULL ''. My debt was {$150.00} and I paid it in full on XXXX XXXX. They still will not give me such letter. I have called M.S. Services MANY time and have asked for a supervisor. They have been in meetings and have NEVER returned my call. I called the bank where I was delinquent and was transferred to many departments and on hold ALL morning. I have asked for their collections dept. and no one can find any debt sent out. I asked for manager and had to leave message. NO return calls.

Please please please help me remove this debt from my credit report.

Thank you I can not refinance my AmeriHome loan because I need a letter from M. S. Services, L.L.C. saying " If I pay this debt in full it will, it will NOT be reported to the credit company 's.
Product: Checking or savings account

I had planned to go on a trip to the XXXX departing on XX/XX/XXXX with a UK-based travel company named XXXX XXXX, which I had use for other trips in the past. 

I paid for the trip in installments from my checking account for the following amounts on four different dates : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1000.00} Due to the COVID-19 pandemic, the trip to the XXXX for XX/XX/XXXX was cancelled. XXXX XXXX did offer to move the trip to an XX/XX/XXXX departure or switch to a different trip entirely, but made it clear that the money paid was non-refundable via emails sent to me on XX/XX/XXXX and XXXX of XXXX ( Attachment 01.pdf and Attachment 02.pdf ). 

On XX/XX/XXXX, I received an email informing me that XXXX XXXX is bankrupt and is no longer trading ( Attachment 03.pdf ). I was referred to a Frequently Asked Questions page on the XXXX XXXX website that would guide customers on how they can get their money back for their now canceled trip ( Attachment 04.pdf ). 

The website referenced a flowchart created by XXXX XXXX XXXX ( Page 3 of Attachment 05.pdf ) to show customers which option to pursue for requesting a refund. At the bottom of this flowchart is a message for XXXX and XXXX  customers, like myself, and the message states, Customers based outside of the XXXX and XXXX should pursue a claim via their bank or card provider. 

On XX/XX/XXXX, I submitted a claim to Chase Bank for the aforementioned transactions and I received a notification that a {$4100.00} temporary credit would be applied to my account while they did their research ( Attachment 06.pdf ). 

On XX/XX/XXXX, I received a letter from Chase Bank regarding the claim and I was informed that the credit would be removed on XX/XX/XXXX ( Attachment 07.pdf ). 

I reached back out to XXXX XXXX and to XXXX, their insolvency company, on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX ( Attachment 08.pdf ) that included a copy of their Terms and Conditions ( Attachment 09.pdf ) and a response from XXXX on XX/XX/XXXX ( Attachment 10.pdf ). Both XXXX XXXX and XXXX advised that I file a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never heard of this company before. I do not owe these companies and didn't engage in any business transaction with them. I contacted Equifax and XXXX and requested copies of contract or where I agreed to pay the accounts but they did not.. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report in XXXX of 2017 and Capital one removed the account off my report. I looked last week and it reappeared with no explanation. This is a direct violation of the FCRA.