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

My wife and I were victims of wire fraud on XX/XX/XXXX in the amount of {$19000.00} from our Chase account and {$12000.00} from our XXXX XXXX XXXX account. We contacted the FBI ( filed an IC3 report ), the beneficiary bank XXXX, Chase, and XXXX XXXX XXXX 3 hours after the wire cleared. The recall was initiated as of XX/XX/XXXX by Chase and they received the following message : " Please be advised your request is denied at this time. Please contact our Fraud Assistance Center at XXXX. For questions on your payment if you wish to send a hold harmless pls email XXXX. '' On XX/XX/XXXX I spoke to a Special Agent with the XXXX XXXX XXXX XXXX XXXX who confirmed with their XXXX contact that the account was frozen and our funds were still in the account. We filed a police report with LAPD on XX/XX/XXXX. We called Chase multiple times and were told that we have to send a secure message for these claims and can not speak to an individual. On XX/XX/XXXX my wife went to the local XXXX Chase branch and spoke to a banker. He filled out a recall request form for us as well. After following up with him multiple times, he claimed he wasn't getting any updates on his end as well. Our first secure message was sent XX/XX/XXXX and they replied XX/XX/XXXX asking us to provide the details and the FBI and/or police report. We sent the LAPD police report and FBI IC3 copy to them immediately. On XX/XX/XXXX I talked to XXXX XXXX XXXX department to see if I could get any information and they claimed that there is no record that Chase reached out to them, but there was a record oXXXX XXXX XXXX XXXX reaching out. On XX/XX/XXXX, Chase responded via secure message with " DEAR CUSTOMER.THANK YOU FOR THE INFORMATION PROVIDED. WE HAVE SUBMITTED YOUR REQUEST TO THE APPROPRIATE TEAM FOR REVIEW AND WILL REVERT UPON RECEIPT OF THEIR RESPONSE WITH APPROVAL/DENIAL.THANK YOU. '' I followed up on XX/XX/XXXX and they responded XX/XX/XXXX " Unfortunately we do not have an update at this time, but we have forwarded this inquiry for an update. They will reach out to you provide a status update. The process for a hold harmless letter request may take 45-90 days and may require additional review. '' As of today XX/XX/XXXX, there is no update. Our wire fraud affected 2 of our bank accounts, this one with Chase and the other with XXXX  XXXX XXXX. We just heard from XXXX XXXX XXXX that our funds have been returned. However, there is no update at all from Chase. They have not even taken the steps to send a hold harmless letter to the beneficiary bank XXXX.
Product: Credit reporting or other personal consumer reports

All the accounts that appear on my credit report are incorrect
Product: Checking or savings account

Bank of American called me about suspicious transactions on my statement in XXXX. There were 6 or 7same day in a row from XXXX, {$58.00} at an atm, $ XXXXWhen I saw one 2 days ago for {$58.00} XXXX XXXX I had to close my Bank of America account XXXX
Product: Debt collection

I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am deeply troubled and upset to see that unauthorized inquiries have shown up on my credit report this evening. I checked it as I usually do, and out of nowhere, there are discrepancies. Refreshing my browser didnt fix anything, and the unauthorized inquiries remain. I need an immediate review of the documents I sent to ensure this issue is resolved and doesnt happen again.
Product: Vehicle loan or lease

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have recently submitted a CFPB complaint against Bull City Financial Solutions. The responded with a generic blanket statement and the complaint was closed. Again, they are stating that i have an alleged debt with them in the amount of {$1100.00}. 

I sent a debt validation letter requesting specific information to which they did not supply. I asked for not only proof that I owe them anything ( a contract/agreement with them with my wet-ink signature and a good or service i received from them. ) They did NOT produce such documentation. I requested in the validation letter as well that if they could not do so within the legal allotted amount of time that they cease with their collection efforts and immediately remove the their derogatory remarks from my consumer report. They have done neither. 

In the XX/XX/XXXX CFPB complaint I listed all of the things that they were in violation of and I again requested immediate removal of their reporting to all three of the CRAs. Their response was conducive with the fact that they are in willful violation of the FDCPA, FCRA, and the Privacy Act of 1974. I've stated with them the laws and compliance matters with the Acts and they refuse to move on them. 

They are in violation of 15 USC 1681 for the information in my consumer report provided by them, permissible purpose, and a blatant violation of compliance procedures. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Bull City Financial is in violation because they have not and can not prove, in fact, that I owe them anything. They have not produced any accounting ledgers, statements, or again, a contract or agreement with my wet signature binding me to them and a service or good I received from them. 

12 CFR 1016.1 : they are again in willful violation because as stated in my debt validation letter as well as my last CFPB complaint, i asked to immediately be opted out of them reporting any information about my on my consumer report. I am NOT a customer of theirs and i DID NOT consent to them reporting anything in the first place. 

So again, I request they they immediately remove reporting of me to any and all CRAs that they are reporting to. I demand to be opted out of it.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian about many accounts on my consumer report with them. They have failed to make sure that my credit profile is accurate and in its completeness. When i Disputed with them they sent back the accounts were verified in which i'm not disputing for two of the accounts but I am for one of them. My dispute was the accuracy of the accounts and the completeness of the account in which i know for a fact they're not being reported accurately or complete. They have even spelled my name wrong on the results that they sent back to me. I will upload the documents of what was sent to me. According to FCRA 15 U.S.C 1681s-2 if a consumer disputes a debt the furnisher must investigate dispute and correct any inaccuracies.as well as 1681i this section requires credit bureaus to reinvestigate and the bureau must verify the accuracy of the information or delete it if it cant be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquirer name is XXXX XXXX XXXX. the date it happened was XX/XX/2017. It was reported to XXXX and ChexSystems. I disputed it with ChexSystems and they refuse to removed it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 standards as outlined by the Consumer Data Industry Association ( CDIA ) .Account Information : Creditor Name : KIKOFF LENDING LLCAccount Number XXXX XXXXAccount Type : Charge CardDate Opened : XX/XX/XXXX, XXXXBalance : {$24.00} ( as of XX/XX/year> ) Credit Limit : $ XXXX : Charged Off, {$24.00} written off, {$14.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Reinvestigation Requirement under E-Oscar : According to Metro 2 guidelines and the E-Oscar automated dispute system, this account has already been re-investigated and should not continue to be reported with potentially negative information. The continual reporting of this charged-off status and delinquency is incorrect.Consumer Law Violation : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), creditors and credit reporting agencies are required to report accurate information. The account was reinvestigated and resolved, thus the continued reporting of this account as charged off with a past due amount is misleading and damaging to my creditworthiness.Inaccurate Payment History : The payment history reported contains multiple inaccuracies : The charge-off status reported for XXXX and XX/XX/year> contradicts the reinvestigation results.The payment history reflects delinquency dates ( 30, 60, 90, 120, and 150 days late ) that are inconsistent with my records and the reinvestigation findings.Account Status : The account is reported as " Closed '' with a status of " Charged Off, '' despite having been reinvestigated and resolved. This incorrect status must be updated to reflect the accurate and current state of the account.Given the inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as any supporting documentation from the reinvestigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Once again, I'm filing another complaint against Equifax because they've lowered my score with no cause to do so! 

As you can see, despite the fact that I have an impeccable XXXX YEAR credit profile, they'rereporting my length of credit history incorrectly. Also, there is absolutely no way that my score should be what it is - not to mention, the fact that they've lowered my score almost XXXX points in XXXX days! 

This is absolutely outrageous and I need your assistance in fixing it, please
Product: Debt collection

XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes to XXXX, Experian, and XXXX. I have asked for methods of validation and none have been provided. I would like assistance in making sure the credit bureaus complete an appropriate investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX my mother wrote a check for {$500.00} to Comenity-The XXXX. The check cleared on XX/XX/XXXX. It was never applied to my account. I emailed them on the XXXX and have called numerous times. They claim it to be in dispute. What happens if they do not find in my favor? We see on her bank account where this cleared. My XXXX account through Comenity now shows as past due online and the balance continues to increase.
Product: Mortgage

To whom it may concern, On XX/XX/XXXX I called the Money Source to make a payment. The representative took the payment info and stated it had been processed. 

On XXXX the XXXX, XXXX, I noticed the payment had not gone through. I called the Money Source again, another representative indicated she could see the call and the notes indicated there was a payment made, but a manager would have to review the call. She stated the manager would try to do it usually takes 24 to 48 hours for a call review, but the manager would try to di it in 24 hours. 

On XX/XX/XXXX, I had yet to receive a call, almost 72 business hours later. I explained the situation to another representative, she then put me on an extended hold, after which she was able to process the payment. But, she alluded to the payment having been made in XXXX and that I was now in some new classification with a new set of rules. 

I asked to speak to a manger, and eventually a gentleman by the name of XXXX came on. He acknowledged the error, but stated there was no way for them to fix the problem the Money Source created and show that the payment was made on XX/XX/XXXX. I have a feeling XXXX was not a manager, but nonetheless, The Money Source should be able to resolve the issue and reflect the true date the payment was made on XXXX the XXXX. 

Though, it does worry me that if this error was so easy to make, how often is it happening to other individuals? 

I could use your assistance in getting the Money Source to fix their mistake. 

Thank you, XXXX XXXX
Product: Credit reporting

I am victim of identity theft and have informed Equifax that I filed FTC report and can they remove fraudulent accounts immediately
Product: Money transfer, virtual currency, or money service

I had my unemployment going into my cash app account via direct deposit and they disabled my card. It won't let me get the rest of my money out of the account because they suspended it. I emailed them and they said i violated the terms and agreement. Which i didn't. Everything comes in my name.
Product: Credit reporting

I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers. My original opt-out date was XXXX 2014. It has been well XXXX and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I see on the back of the notice that Equifax is named. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Product: Debt collection

I received a bill from a debt collector for a friends medical bill. They actual charged me for my roommates lack of payment. I argued and also had them send me their medical records, which I was able to sign the release form. It shows that the bill was not in my name, the bill was owed by someone else, but they still have this on my credit report. This has also dropped my credit score from XXXX to the XXXX causing an issue with obtaining a home mortgage.
Product: Mortgage

I did refinance with Bank of America back in early 2015. The refinance has approved and we have paid all the fees, notary fees and also singed all the closing documents with title company. We were told by the title company that the loan has funded after we carrier back the closing documents and we spend total around ( {$4500.00} on all the total costs, notaries, title insurance, wiring and others etc have done XXXX due to the mistakes they have made ). 

However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, XXXX email below : XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; Wed, XXXX XXXX, 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX, you can contact her at XXXX ext XXXX. Thanks -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have write a numerous emails and also phone calls ( phone call always in voice mail ). I have left a message but so far no response from them and my loan never get funded without giving reasons Thanks XXXX XXXX
Product: Credit card or prepaid card

Capital One reported a 30 day late. I was called and they said I was late. They said they received my payment but the bank, ( XXXX  XXXX XXXX ) XXXX did not honor it. I called the bank and they denied that my check was returned. 

On XX/XX/XXXX I called and paid the XX/XX/XXXX and the XX/XX/XXXX payment this is less than 30 days. They have omitted the late charge of {$28.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and legality of the information contained in my credit reports with Experian, XXXX, and XXXX, as provided under the provisions of 15 USC 1681 regarding the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit reports, I have discovered that there are entries indicating that you have furnished my information to third parties and obtained information about me. However, I want to emphasize that I have never provided written consent for you to furnish my information to any third party or to obtain information about me from any source. 

I am aware that under the FCRA, it is required that consumer reporting agencies such as yours obtain written consent from consumers before furnishing their information to third parties or obtaining information about them. This consent is a fundamental protection afforded to consumers to ensure the accuracy and fairness of the information contained in their credit reports. 

As such, I request that you provide evidence of the written consent that I allegedly provided for you to furnish my information or obtain information about me. If you are unable to provide such evidence, I demand that you remove all entries related to information furnishing and obtaining from my credit reports immediately. 

Please note that failure to comply with this request may result in legal action being taken against your agency for violations of the FCRA. I expect a prompt response to this dispute within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Address XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX pine XXXX, IL XXXX Should not be on my credit report
Product: Mortgage

In XX/XX/2017, we requested the servicer to remove PMI because the property had significantly increased in value. They stated an appraisal was necessary to verify. Even though the appraisal stated " no functional inadequacies were evident '', and this home is in a significant growth market, the appraisal had erroneous information that made it apparent to us the appraiser the bank hired is not familiar with the market. 

We disputed it with the servicer, and submitted a second appraisal that was done by someone familiar with the area. Rather than the servicer reviewing it themselves and discussing, they sent the second appraisal package to the first appraiser for opinion. Naturally, he stated the second appraisal was wrong. The servicer failed to continue to communicate, but did bill us for the appraisal. 

Recently we decided to pay enough of the principal to be below 78 % LTV ; however, the servicer misprocessed this payment, even though we ordered the servicer to make the extra payment as principal. This has not been fixed yet, and the servicer has stated even when the principal is below 78 % they will still not want to remove the PMI without yet another appraisal of their choosing. 

The loan is current, with zero delinquencies. We need this escalated beyond the offshore call centers that are handling this thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an old loan that was taken off my credit. Every month something new keeps popping up only on Equifax. When I email them I don't get a response. My credit score continues to DROP with them and grow on XXXX. The difference is around 50 points. They were hacked, I was included, and I still have a horrible score with no movement. I opened 2 secured credit Cards using minimal amounts to work on my credit after a horrible divorce. It's doing wonders for Transunion and still being decreased by Equifax. Something is seriously wrong! I've read the complaints, there are so many. Looks like no one investigates this thoroughly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian, XXXX and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : XXXX XXXX XXXX XXXX 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

On XXXX/XXXX/2015 and unauthorized person used my information to obtain a credit report on XXXX XXXX. Upon verification of my credit history from this site XXXX credit cards were either attempted or opened XXXX days later at XXXX, XXXX XXXX, XXXX XXXX and XXXX. XXXX XXXX did not validate the request by me and now my identity has been compromised. XXXX XXXX has no published phone number for support and does n't have a clear policy in regard to identify theft yet provides, based on website description, fee access to credit history. A police report and a case has been opened with the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts that appear on my credit report, which I recently reviewed. These accounts are severely impacting my ability to obtain credit, including a mortgage to purchase a home. 

This situation is not only affecting my financial well-being but also constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and removal of the account from my credit report :