23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX- {$990.00} paypal check sent to me. never received it. never cashed XXXX XXXX-paypal cancelled check and returned {$990.00} to account. 
XXXX XXXX -paypal removed {$990.00} from my account. never received money. 
Don't know what happened to money. 
org bank. XXXX check # XXXX would not provide copy of front and back of check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 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 and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00}
Product: Checking or savings account

Citibank paid out money to XXXX, XXXX XXXX ( for games ) and XXXX XXXX without my permission or without authorization or even a correct ATM card number. I lost my card, I got new replacement card and to my suprise Citibank still paid out money on the old ATM card number. How they did that I don't know but I am also really tired of XXXX and XXXX & XXXX XXXX XXXX just hitting my bank account over and over again until they get paid and what makes this so infuriating is that they didn't even have the correct atm card number and citibank still paid out the funds. I started calling Citibank at XXXX this morning and it is now XXXX pm and I get transferred around and around and around and around. Citibank is telling me they are not going to refund the money without cancelling my card. I am like you gave out the money. This is not my problem. 

I am paying XXXX  XXXX XXXX XXXX I am also at a loss why I have to talk to people in XXXX about my bank account. Can't they find people in the US/north america ? who understand why I would be so angry. These call centers are a total waste of money.I would say Citibank is also very misogynist. I have lived on the earth long enough to be given credit and respect.
Product: Debt collection

Continually called even after I said stop. Making threats of court and trying to collect on a debt already paid by charge off to insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact the credit Beau three times filed disputes concerning my credit report not being current are updated in three are so years and bc of this I have over 60+ hard inquiries from being denied housing car leases they are continuely reporting my student loans late although I have called the department of education and verified that they are not and hasn't been in years this has caused me to be homeless and without means of transportation for almost 3yrs now they show on my report that my report has not been updated since XXXX but it's actually XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to the fact that I have been a victim of identity theft. I have made attempts to show Equifax that I was incarcerated when the fraud was initiated on XX/XX/year>. I have contacted Equifax about removing the fraudulent information, but they refused even when I submitted proof showing that I was incarcerated. Under 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : " XXXX XXXX '' ACCT # XXXX I found the following inaccurate and fraudulent information : Credit Reporting agency : Equifax Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion. Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries. Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion. These accounts aren't paid late accounts or derogatory accounts either! Equifax is reporting inaccurate information I want my accounts updated correctly on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report due to a data breach. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these unauthorized entries be removed permanently. The following accounts and inquiries are not authorized by me and are the result of identity theft : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX - XXXX - XXXX XXXX, XXXX - {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX - XXXX XXXX, XXXX - {$660.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$24000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} 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 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX # - XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Deletion of Inaccurate Accounts and Hard Inquiries XXXXetro 2 Compliance To Whom It May Concern, I am writing to formally request the deletion of the following accounts and hard inquiries from my credit report under Metro 2 compliance guidelines. These accounts and inquiries contain inaccurate or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), all data reported must be accurate, complete, and verifiable. If the creditors or inquirers can not validate the accuracy of this information, it must be permanently deleted. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested on XX/XX/XXXX Reason for Deletion Request : The above accounts contain inaccurate or unverifiable information. 

The listed inquiries were unauthorized and do not reflect my credit activity. 


Under Metro 2 reporting standards and FCRA regulations, I request an immediate investigation into these items. If they can not be properly verified, they must be permanently removed from my credit file. 

Please provide written confirmation of the deletions within 30 days, as required by law. Attached are copies of my identification and proof of address for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I was charged {$380.00} and {$380.00} respectively on XX/XX/XXXX and XX/XX/XXXX. These charges are related to an online fitness program I was interested in. When I asked the merchant to begin the program, he told me I needed to fill out several forms including a contract before we could begin the fitness program that was charged to my account. Among other reasons including details in the contract that I was uncomfortable with, I asked for a refund on XX/XX/XXXX. There was never a single service provided to me. The merchant explained to me that because of the contract ( never signed ) I was not entitled to a refund. 

On that same day of XX/XX/XXXX, I filed a dispute to Chime. After a long dispute process, Chime denied my dispute on XX/XX/XXXX. I appealed this dispute XXXX  times after and requested more information on why my dispute was denied. The only explanation Chime offered me was " no error occured '' I asked multiple times for more information than this, and as of XX/XX/XXXX, Chime has still only said " no error occurred '' My claim ID for Chime to look it up again is XXXX
Product: Mortgage

On XX/XX/XXXX, I contacted Dovenmuele to determine why my original mortgage loan, acquired in XX/XX/XXXX, for {$170000.00}, had only decreased to about {$140000.00} ( as of that day ), so I requested a copy of my payment history, from the time the company took over my mortgage loan to present. I spoke to XXXX XXXX, and she stated that what I requested was called an amortization schedule and she would send it to me via mail. 

On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX, who stated that she saw in her notes that I requested it, but was unsure why I hadn't. She stated that she would re-send it and it should arrive in a week. 

On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX XXXX, who stated that I wanted was not called an amortization schedule, but what I wanted was a breakdown of my payment history. She stated that she saw that I requested the amortization twice, and was unsure of why I hadn't received it, but that she was going to make things right. I told her that I wanted a breakdown of the payment history and the amortization schedule, which she said she would send. For the payment history, she said it'll take 3 to days to process and then 3 to 5 days for it to arrive, and for the amortization schedule, she said I may not have received it because the document may have not been in the file, however, she will request it again and it may take 2 weeks to arrive. 

On XX/XX/XXXX, I still hadn't received any documents, so I called back, spoke to XXXX, XXXX, and she stated that she can see that I made a request for the documents, and wasn't sure why I hadn't received, but, it may due to them not having my unit number. I explained to her that with all of the prior representatives, I confirmed my address, so I didn't believe her. I also inquired that if they were missing my unit number, why didn't they call me, to which she wasn't able to give me an answer. She stated that she could resend it, but I told her, at this point, I was filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and Consumer Finance Protection Bureau ( CFPB ). XXXX asked if I wanted to speak to a supervisor, to which I stated that I would. I spoke to XXXX, XXXX, and he stated that he saw that I requested a promissory note, on XX/XX/XXXX, it was sent on XX/XX/XXXX, however, he was unsure why I hadn't received it. I told him that I didn't request a promissory note, I requested my payment history. He stated that he could resend it, but I told him, that at this point, I was filing a complaint with the XXXX and CFPB.
Product: Mortgage

My home was sold in a property foreclosure sale XX/XX/2017, I took legal action against XXXX Nationstar Mortgage aka Mr. Cooper for wrongful foreclosure though XXXX XXXX Circuit Court . A agreed order was enter with the court, the foreclosure for my home was rescinded. I have been making my mortgage payments to my mortgage company. I haven't received mortgage statements since the deed for my home was rescinded. I call Mr. Cooper to inquire on my mortgage several times, Customer Service informs me they can't speak with me. The reinstatement of the deed and note for my home has not been recorded with XXXX XXXX register office, Mr. Cooper has not applied my mortgage payments to the note I remit monthly. I have canceled checks reflecting my mortgage payments since I signed the agreed court order with Circuit Court. My escrow account is being assessed incorrectly, the mortgage company has included city taxes in my escrow, I don't pay city taxes. I want my escrow account to be reanalyzed and corrected. Mr. Cooper is reporting incorrect delinquent payments for my home. XXXX is also report delinquent mortgage and a foreclosure and a open balance.
Product: Checking or savings account

I opened a checking and a savings account at Citibank on XX/XX/XXXX. I decided to open these accounts to take advantage of ads I was getting via mail. The offer stated I'd be earning {$400.00} or {$500.00} after opening the accounts and completing the required activities which included depositing {$15000.00} or more in new to Citibank funds. Upon completion of all required activities, I received a letter from Citibank informing me of the future closure of both of my accounts. They simply state Citibank don't want to do business with me, they declined to give me further details. I'm preventing myself from earning some interest on the money I put on these accounts only for Citibank to decide unilaterally to close my accounts, as far as I'm concerned I comply thoroughly with the requirements fr the bonus and it's not serious of an institution as Citibank to take these actions and treat clients this way.
Product: Checking or savings account

Every time I initiate a wire transfer from my Chase XXXX Account, the bank locks my account and cancels the transaction. This has occurred multiple times despite my compliance with all security protocols and documentation requirements. I have contacted Chases customer support via phone, visited their branch in person, and provided all requested information to verify my transactions. However, my account continues to be locked each time I attempt to make a wire transfer. 
Impact on My Business : Financial Loss & Missed Opportunities These recurring account locks and transaction cancellations have led to missed payments, delayed transactions, and even lost business deals. As a business owner who frequently travels, including overseas, access to my banking services is critical. The inability to make timely wire transfers has disrupted my business operations significantly. 
Unjustified Actions by Chase Bank When I inquired about the reason for these repeated account locks, Chase representatives provided vague responses, stating that the action was taken for " security reasons. '' However, they failed to provide specific details or a legitimate justification for why my account continues to be flagged. Instead, they insisted on " setting up expectations, '' implying that their actions were procedural rather than based on any real security concern. This lack of transparency and accountability is unacceptable. 
Failure to Resolve the Issue Despite multiple visits to Chase Bank branches and numerous phone calls with their customer service team, the issue remains unresolved. The banks refusal to provide a clear explanation or implement a lasting solution has caused undue hardship and frustration. 
Chase Banks ongoing actions have negatively impacted my ability to run my business effectively. Their lack of transparency and unwillingness to resolve the issue raise serious concerns about their business practices. I seek XXXXs assistance in addressing this matter and ensuring that Chase Bank takes immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX XXXX XXXX is reporting that I missed a payment and I have not missed a payment. 
This dropped my score XXXX points and I need this corrected. I have paid every month, never missed a payment Thanks
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to request that you stop all communication with me regarding the alleged debt. I am not a third party nor a credit company. 

Additionally, it is important to note that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, it is unlawful for third-party entities to report or collect on debts without proper authorization and compliance with the law. The FCRA requires that any reporting of credit information must be done in accordance with the consent and accuracy provisions of the Act. Therefore, the purchase or reporting of debt by your company may be in violation of these provisions if proper procedures and authorizations were not followed.
Product: Mortgage

I sold my home in XXXX of 2018. I've been waiting for escrow reimbursement circa {$1800.00}. I've called several times and have not been paid the overage. Ditech advised that they would send me a check and I still haven't received it. 
I've tried to escalate and was told they sent the check to the property address even after I supplied my forwarding address. I have been unable to reach anyone to resolve the issue. Ditech has been unfair and deceptive to say the least. The house was paid off in good faith and I want the money that I have paid into escrow that is owed to me.
Product: Debt collection

On several occasions we wrote and called both Paragon Revenue Group as well as XXXX XXXX XXXX for s list of services rendered, insurance billing, and itemized bill. They never complied or responded other than sending the same bill repeatedly.
Product: Vehicle loan or lease

Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion via mail with a letter stating that I do not recognize several inquires in XX/XX/XXXX. I have contacted TransUnion without receiving the resolution. I have a fraud alert placed on my account. I have been in the credit burea system since XXXX in which I was XXXX years old. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These all should be removed per my letter I sent to TU
Product: Mortgage

On XX/XX/XXXX I made a call to Mr. Cooper about why my payment jumped {$36.00}, I was told it was because of a escrow shortage. I asked how I could bring my payment down and I was told if I paid {$170.00} ( the remaining amount of the shortage ) it would bring my payment down {$20.00}. I gave the go ahead on the payment with the understanding my new payment amount would be {$900.00}. Today ( XX/XX/XXXX ) I check and my payment is still at {$920.00}. I called Mr.Cooper to figure out what was going on, and was told that only a partially escrow shortage was paid. I asked how that could be when I was told it was all paid up in XX/XX/XXXX. The man that I was talking to repeated it was a shortage and that my payment of {$920.00} is not going to my escrow shortage 3 times then hung up on me right at XXXX ( CT ). I feel like I was taken advantage of and ripped off. I have never dealt with such a poor customer service department that refuses to help anyone.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of 30 and 60 days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment.

Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX