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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX/XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit fi le and I found several account items the I do not recognize and inaccurate information as well. Under FCRA 623 AND 611 the following account are in violation of 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A XXXX XXXX POLICE REPORT
Product: Credit reporting or other personal consumer reports

According to the regulations outlined in 15 US Code 1681i ( 6 ) ( b ) ( iii ), consumer reporting agencies, such as XXXX, Equifax, and XXXX, are obligated to provide a written explanation to consumers upon request, detailing the methods used to verify the accuracy and completeness of their information. This includes disclosing the names and addresses of any sources contacted during the verification process, along with their contact information. Despite my request made over 30 days ago for documentation to validate a specific account, I have yet to receive any such documentation. Without legitimate proof supporting the inclusion of this account in my credit report, its validity is questionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about XXXX XXXX selling my debt to Pinnacle Services LLC continuously. XXXX has been removed from my Credit reports onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive disputed this many times asking for validation of this debt and XXXX fails to do so which has resulted in their removal from my credit report, numerous times. Each time this company reports as a debt, my credit score is effected. Not only is my credit score in  jeopardy but so is my financial history. If XXXX can not validate this debt properly, why are they continuously placing this debt on my credit! My credit has taken a deep hit because of all of these reinsertions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for you to notify that I want you to delete those items that are seems to be fraudulent on my credit file. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. These are the following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX, XXXX XXXX Balance Owed : $ XXXX, XXXX, XXXX XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX Balance Owed : {$180.00}.
Product: Checking or savings account

Chime allowed XXXX to withdraw XXXX dollars from my account. XXXX had charges my account XXXX plus XXXX I called and disputed the XXXX and chime refunded my account the XXXX I was able to transfer back. I thought it was all over than I'm looking at my statement and there was 2 more XXXX dollars taken from my chime account. I have called and filed 5 disputes and chime keeps saying XXXX done nothing wrong even tho I can't get my money back from them. They won't even respond anymore to my emails.
Product: Credit card

I borrowed the money from bank to pay them off and they took more money from my checking account after they were paid in full. They were paid off on XX/XX/2023 and on XX/XX/2023 they took another payment from my checking account. I made a copy of all of my payments before they locked me out and I called them and asked for a refund of the over payment. They said that it would take a couple of weeks and they would refund the over payment. and I still have'nt received it.
Product: Mortgage

I requested my PMI be removed from my mortgage early as I have paiddown the balance early to reach 20 % equity. When I requested the PMIbe removed from my loan, I was told that I would have to pay {$150.00} fee to shshow that my home as not decreased in value. When I reach 22 % equity thethe PMI will automatically come off without me having to do anything. 
I have never been late and have paid extra on my mortgage. Theburden of proof is on the lender. I have made numerous improvementson my home including a new kitchen. If anything the value on my homehas increased. I have never been late and paid down my balance. 
There is no evidence to suggest that my home has decreased in valueyet they want another {$150.00} from me to remove the PMI. I have donewhat was needed to remove the PMI. Paid down the LTV below 80 % and notified them in writing to remove the PMI. My lender is US bank.
Product: Credit reporting or other personal consumer reports

The complaint is still valid. I am requesting the inquiry be removed. i have no open accounts with this institution. Original response did not provide proof of account. Just provide a boiler plate, cut and paste uniform answer they give to all complaints. Did not specifically address or provide proof that I made the inquiry. Please remove the inquiry. 


I submitted complaint XXXX about a removal of an inquiry. They company response said they needed 30 days to investigate. That was on XX/XX/XXXX. It is now XX/XX/XXXX. Well past the 30-day period. I need this inquiry removed today. i have provided more than enough time for a proper investigation. No results have been filed. The inquiry needs to be removed from Experian report. XXXX XXXX XXXX Inquiry date XX/XX/XXXX 2023
Product: Credit card

My credit card was charged off. I recently had a deposit of nearly XXXX dollars. XXXX $ was taken and applied to the credit card. I attempted to reimburse the funds and was told the bank has the right to offset deposits to apply to credit cards and I will be unable to have those funds returned.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and am quite concerned to find accounts and inquiries from entities with which I have had absolutely no affiliation or communication for consent. Specifically, I see two XXXX XXXX XXXX accounts and four inquiries from various sources, including XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXXThis information is alarming and is negatively impacting my current creditworthiness.I expect my profile to be updated promptly to reflect the deletion of all mentioned accounts. Please address this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my report that needs to be removed. My Name is XXXX XXXX all other names need to be removed. My Current Address in which I receive USPS Mail, is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. All other addresses are inaccurate information and needs to be removed.
Product: Credit reporting or other personal consumer reports

I gave formal notice on XX/XX/year> per 15 USC 1681c2 and provided documentation, under the FCRA TransUnion was REQUIRED to block and remove the information requested within *four business days*. Per certified mail records TransUnion received the documentation on XX/XX/year> and has FAILED to comply with this request and deleted the required items EXCEPT the XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX. 

This is completely ILLEGAL! I have been very patient, but have been keeping detailed records since starting my dispute against these account this year, as well as my follow-up complaints to the CFPB regarding their illegal reporting activity sent to them this year. This is a formal notice to TransUnion and the CFPB for failure to comply with my block and delete request under 15 USC 1681c2. Again, the fraudulent account, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, and XXXX XXXX  account # XXXX remains on my credit report despite the four-business-day requirement mandated by law. If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Please find attached my original dispute letter with the FTC Identity Theft Report # XXXX and supporting documentation, and a copy of certified mail receipt showing delivery received by TransUnion.
Product: Consumer Loan

I bought furniture at rooms to go who have Synchrony Bank handling the financing, after a return and exchange because defect my bills started to oscillate every other Month, I have tried to talk to the bank but was never resolved. They charged me fees because the full amount was n't send even though they did n't have the same amount, I believe they are not charging the right amount since my loan does n't have interest until 2019 but I already paid {$1500.00} and balance still {$2000.00}.
Product: Checking or savings account

USAA said they were closing my account because of a bounced check on XX/XX/2022 and have had my funds frozen since that date. They say they XXXX hold my funds for XXXX days.
Product: Mortgage

I went to look at properties in XXXX, NV for a new family home, my XXXX XXXX XXXX couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. I Sign a XXXX for a Conventional loan with a rate of XXXX, for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year>XXXX XXXX Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( XXXX  days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by XXXX XXXX. Therefore, my XXXX XXXX was denied but I have not been provided a denial letter for the conventional loan. XXXXXXXX XXXX did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. b ) In the case where the property is purchased. In XXXX years if I refinance with XXXXXXXX XXXX, could there be a waiver for the closing costs and fees for the transaction? For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the XXXX XXXX and the return of my deposit for XXXX dollars
Product: Checking or savings account

Hello, My name is XXXX XXXX and I am writing this as an appeal to my claim that was denied and to aid Chase in the investigation of the fraudulent use of my debit card. In XXXX of this year my card was hacked and I was robbed of XXXX dollars. I was made aware of this when Chase declined my card and I had to call in. I was told that my card was declined because someone was using it at the same time. They closed the card and I was issued a new card. We went through the transactions and I identified the many transactions that were fraudulent. Chase returned the money and began an investigation. Now months later they reversed it and denied my claim. I called to ask why because I know these transactions are not mine, and no one is giving me any information. I know these transactions are not mine because I have never been to any of those places. I am new to the XXXX area, I do not have a car and I do everything within my area. I see a name on some of those transactions listed XXXX XXXX I have no idea who that is. Also many of these transactions were used using a digital wallet on an XXXX  and I have never used or owned an XXXX. I have only had an android my entire life and use XXXX XXXX. One bit of information I was told was that my ip address is somehow connected to these transactions. I am not an IT specialist but I would assume that an ip address can be hacked, especially because I was told my card was closed because someone was using it at the same time. I recently filled out a police report because I want whoever did this to me to be held accountable and I want answers. I have called Chase numerous times to get answers and no one is telling me anything. I am deeply saddened as I have been banking with Chase for over 15 years and I trusted this institution to keep my money safe. I am honestly afraid to bank with them any longer and am considering closing my account. It is sad that I would rather go to a check cashing place than to put my money in the bank. I keep getting vague and different answers from different people. I would like to see the notes on this case so I can get some clarity and I want my claim to be reopened. I did not do this, I work hard for my income and saved because I am a contracted XXXX  and did not work this summer. I have rent and bills to pay just like anyone else and to do this to a loyal customer especially during a pandemic is reprehensible. Should I be seeking legal counsel? Please I need help, I need answers. Thank you Sincerely, XXXX XXXX
Product: Checking or savings account

between the dates of XX/XX/XXXX and XX/XX/XXXX I had my wallet stolen and my Bank of America XXXX card was used fraudulently for multiple transactions. During this time period I was incarcerated and was not the one who used my card. The transactions are as follows : XXXX XXXX -XXXX : {$24.00} XXXX XXXX- XXXX : {$4.00} XXXX XXXX - XXXX XXXX Market : {$8.00} XXXX XXXX - Bank of America XXXX {$900.00} XXXX XXXX - TXXXX : {$100.00} XXXX XXXX - XXXX XXXX : {$23.00} XXXX XXXX - XXXX XXXX : {$13.00} XXXX XXXX XXXX XXXX : {$2.00} XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX {$3.00} XXXX XXXX - Bank of America XXXX {$980.00} XXXX XXXX - Bank of America XXXX {$340.00} Spet. XXXX - XXXX : {$5.00} XXXX XXXX - XXXX XXXX XXXX : {$8.00} XXXX XXXX - XXXX : {$5.00} XXXX XXXX - XXXX : {$2.00} All of these transactions have been reported and denied by Bank of America XXXX XXXX XXXX. I sent in documentation proving i was incarcerated during this time. The documentation showed my release date of XX/XX/XXXX and that I had served XXXX  days in custody. After multiple filings for reconsideration the bank continuse to deny my claim.
Product: Checking or savings account

Navy Federal has not contacted me in regards to a fraud claim I have with them. It has been months, going on a year and each time I call or reach out, I'm met with " there are no new updates on this claim ''. What has happened that the claim seems to have been forgotten about because surely it does not take this long for a decision to be made.
Product: Mortgage

Original closing figures differ from our final closing figures and TIAA Bank could not or would not explain why. The bank delayed giving us our final figures until one day before our closing. They also gave us an appraisal that was {$3000.00} less than what we paid for our home and we had to come up with {$3000.00} more for our closing. Poor business practice. We contacted the bank XX/XX/2019 to request our one time FREE float down from on our XX/XX/2019 interest rate lock in. From XX/XX/XXXX - XXXX, 2019 the bank senior mortgage loan officer could not or would not explain why we lost lenders credit. Original lenders credit was {$4800.00} our final lenders credit was {$3400.00}. We lost {$1300.00} with no explanation except I do not want to bore you with the details but you are getting a great interest rate. Our original lock in was 4.75 % and was reduced to 4.25 % WHICH was suppose to be our one time FREE float down. So how did we lose lenders credit? The only thing we can believe is that we were made to pay for our one time FREE float down since we got no other explanation. We had no time to go to another lender. Contractual we had to close on XX/XX/2019 or stand to loose our home to the builder. Unfair business practices to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed a dispute on several occasions with all three credit bureaus regarding my loan being paid in full over the last 2 months and my credit report still has not been corrected. Mohela is the loan servicer and it needs to be reported to all 3 credit bureaus immediately and this issued resolved as soon as possible.
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 XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX BANK XXXX XXXX
Product: Checking or savings account

I have an unauthorized purchase on my debit card. 

I had my debit card information disclosed to a third party without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FCRA XXXX  Account number XXXX has violated my rights XXXX  XXXX Account number XXXX Delete Asap  XXXX XXXX XXXX XXXX Account number xxxx Delete Asap XXXX  XXXXXXXX XXXX XXXX Account number XXXX Delete ALL late payments XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Delete Asap XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported a Contractual Dispute as a " Loan More than 90 day 's late '' All payments to XXXX were made via Auto Pay collect the XXXX of each month by XXXX. 
After many complaints to XXXX about lack of cell service in my areas and lack of credit where due as per contract. Nothing was ever taken care of by XXXX. I was forced to leave XXXX and went to XXXX XXXX XXXX on XXXX XXXX. 
XXXX filed nonpayment 's complaints 5 months later on into XXXXXX/XX/2023 for {$490.00} an amount subject to Arbitration '' as it is an " Contractual Dispute '' Not any type of Loan nor any type of late payment. 
XXXX failed to credit {$500.00} trade in phone amount, failed top give as agreed {$350.00} Visa Card, Failed to credit back account for the charges of a XXXX XXXX XXXX XXXX XXXX. all this were promotional items, Them also the XXXX coverage was next to none at my own home, XXXX, CA XXXX miles XXXX XXXX XXXX, CA, bad or none in XXXX XXXX CA, none in XXXX, CA, very poor in XXXX XXXX, XXXX XXXX XXXX. I was not able to continue with a company that clearly was failing to provide even the basic of service. Now they further rub salt in the wound as to file charges against me in my stellar credit reports of many excellent on time never late payments,
Product: Credit card or prepaid card

My wife left me at the end of XXXX. While going through things at home I found XXXX different credit cards in my XXXX of these cards have my name forged on the back of them and have been used. I can tell that it is my wife 's signature. Now I am starting to get texts and calls from debt collection agencies over these cards not being paid.