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

Please note, this is a not a duplicate complaint and I'm not using any third party for this matter, I'm sending this complaint because Transunion credit Bureau has reported hard inquiries that I have never authorized. I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. I have filed FTC report and included in this complaint It should be noted that these inquiries were not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. Here are the name of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these items from my report as soon as possible.
Product: Debt collection

On XX/XX/XXXX. My car had to be towed by XXXX XXXX. It would not start. Tow truck driver was told to bring car to my mechanic in XXXX New Jersey. XXXX XXXX XXXX.. instead I was told I drove it to XXXX XXXX onXXXXXXXX XXXX XXXXXXXX. XXXX NJ. Because they are XXXX XXXX. Affiliated and they will give you 20 percent discount if work is done there.. I decided to try and see if it was good idea. I told The personnel at XXXX. Please call with quote before anything is done. Only to receive call hours later that car was ready and its {$480.00}. I said Im not paying that I did not approve work. He said Ill call u back with better price. He then said $ XXXX cause he shopped for lower parts and battery. Although unhappy. I went there to get my vehicle. And gave my card, I went to start my car. It would not start. All red lights came on. I said this will never pass inspection and Im not paying until they fix it. He said it wasnt doing any of this mess.. he said dont worry about card. I dont think it went through., Ill call you in a day. XX/XX/XXXX around XXXX XXXX I called and was told still working on it. At least 4 days went by. No words from shop. I noticed charge on my account from XXXX XXXX   for {$390.00}. I asked my bank. Wells Fargo to file dispute. And temporarily placed back my money in my account. After 5 days they call me and said for another {$1400.00}. They can do repairs that they found the car needed. I said its not worth it its a XXXX XXXX XXXX. With several dents had water damaged and conks out all the time. None of those prices guarantee me a great running car.. I said please find lowest price battery and would you know anyone interested in purchasing vehicle.. I checked blue book value. And for car condition. It came up to between 200 and 500 dollars. I asked XXXX XXXX to hold it and let me know if someone wish to purchase and I told them about the card going through. He said Ill give you XXXX for car. And you can deal with your bank and theyll fix that..
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries from experian. Under section 604 you have to provide physical evidence of me authorizing these inquiries. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Product: Mortgage

I am writing to Select Portfolio, Inc. to request specific itemized information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, credits, debits, transactions, actions, payments, analyses and records related to the servicing of the loan from its inception to the present date of my deceased mother XXXX XXXX XXXX. 

According to RESPA 12 USC Section 2605 ( e ) my lender had 20 days to acknowledge receipt of my Qualified Written Request and 60 Days to provide me with answers to my questions pertaining to the loan. This complaint is specifically pertaining to the payoff amount however the lender has failed to acknowledge my QWR. 

On XX/XX/2021, I sent a QWR to the mortgage company counsel. The QWR was delivered to the address at XXXX o XXXX XXXX ( see attached USPS tracking ) XXXX. I have not received a response of acknowledgement from the lender. 

I am hereby disputing the amounts due and owing which is contained in Select Portfolio Servicing payoff amount specifically an additional advance balance in the amount of {$75.00}, XXXX which is due and owing and proper accounting of interest and escrow balance. I want full disclosure of this amount in particular or if it is deemed an error I am requesting the servicer to update the payoff amount and provide an updated payoff amount. Other family members were surprised when I spoke to them of the amounts due and owing especially when the amount disclosed by previous counsel less that 9 months were lesser. 

Here, Select Portfolio Servicing has erred by not acknowledging or/and providing the above items to me in a timely and/or sufficient manner. Specifically, Select Portfolio Servicing XXXX XXXX as violated XXXX C.F.R. 1024.36 ( d ) ( 2 ) ( i ) ( A ) ; 12 C.F.R. 1024.35 ( b ) ( 6 ) ; and 12 C.F.R. 1024.36 ( c ). By copy of this notice of error, I am once again requesting that Select Portfolio Servicing immediately provide an breakdown or itemization as it relates to the payoff amounts of the settlement dated XX/XX/2021 and correct all errors as it pertains to the payoff amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We contacted Freedom Mortgage on XX/XX/XXXX because we had a recent escrow analysis completed with the incorrect information. The escrow analysis projected our real estate taxes for XXXX to be {$2400.00}. My wife tried to explain to both customer service and the Tax Department that for the XXXX tax year, we were only billed {$1700.00}. The amount disbursed from escrow was only {$76.00} due to a credit we had of {$1700.00} from overpaying at closing. We requested multiple times for the tax amount to be updated to {$1700.00}. We initially were told it would be updated, then they said they needed documentation from us. We don't receive our tax bills since it is paid from escrow. We explained multiple times that they could visit our county website of XXXX XXXX XXXX and easily see the amount we were billed just like we did. We were told by XXXX XXXX this issue would be resolved by XX/XX/XXXX and we still have not had any updates. My wife handles mortgage servicing for another bank and has worked in this industry for the past 14 years so this should have been a very easy process. We asked to have our XXXX taxes updated to {$1700.00}. Then, after it was updated, we wanted a stop payment placed on the escrow refund that was sent to us for {$2300.00} and the funds deposited back into the escrow account. Once the funds were deposited, we requested for a new escrow analysis to be completed effective with the XX/XX/XXXX payment. So basically void the last escrow analysis completed. It is important that the effective date of the payment be XX/XX/XXXX and the previous escrow refund be stopped and placed back into the escrow account before completing the new analysis. Our monthly payment beginning XX/XX/XXXX should be around {$3000.00} with the escrow portion of our payment being {$210.00}.
Product: Credit card or prepaid card

As a continuation from my other complaint, incorporated herein ... 
US Bank is sending a fake name person in response and not addressing the issues presented. Request for documentation of merchant that sold products or services that conflicts or affirms that I was not duped on products/services sold to me are not being addressed. 

Reason for denying my FCBA dispute when no response from merchant is admission of the claim against him are not being addressed. 

Additional information, albeit it should not have been needed, has been supplied that affirms what I was supposed to receive and did not after a long drag out by the merchant and attempt to bait and switch me to other products/services in place of what was purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

As per Navient and Exhibit Smoking Gun 1, I partially paid ahead for XXXX. 

My typical IBR payment is {$320.00} but with overpayment my XXXX amount due was {$280.00}. 

As per Navient and Exhibit Smoking Gun 2, I paid {$500.00} on for the month of XXXX. Therefore, overpaying by {$210.00}. 

Since I overpaid by {$210.00} for the month of XXXX this amount should be applied to my XXXX amount due. 

Therefore, with the typical IBR payment due of {$320.00} ( Payment Due ) - {$210.00} ( Overpayment ) = {$100.00} should be due for XXXX. However, as Exhibit Smoking Gun 2 from Navient shows they show the incorrect amount due for XXXX as {$320.00}. 

Navient Must send a correct Payment Invoice for {$100.00}.
Product: Checking or savings account

i deposited a check on XX/XX/XXXX in the amount of {$2400.00}. Citizens bank released the first part of the money in the amount of {$260.00} Saturday XX/XX/XXXX. they have stated they are holding the money for ten business days due to risk. This is the second time in about a month this has occurred causing the account to overdraft and leaving me without money to pay bills and seek XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never in my life deposited a check that bounced or gives them any reason to believe releasing their hold is a risk to them, this is an attempt to overdraft the account and force fees because it keeps happening. the same happened for a {$200.00} check that was held for five days. this is excessive and unfair, and should not be allowed. As it stands now the account is overdrafted {$1000.00} thanks to their refusal to release the check hold and give me my money. Two business days i understand, but SEVEN?! on an account thats more than a year old with no bounced checks, thats never had a check returned.
Product: Credit reporting or other personal consumer reports

For the credit account XXXX XXXXXXXX , there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/23, I asked for certification of this account belonging to me from the 3 credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.
Product: Prepaid card

I followed what the bank required of me to do. The steps I took and the time I spent are disregarded. The BofA associates involved ignored my open case and to date BofA has never given me an update or a letter of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022. 
PLEASE DELETE INQUIRY. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Nationwide acceptance contacted me on numerous occasions. The first occasion was on XX/XX/23 and we spoke about rates and they said they could beat my current rate and when I told them it was at XXXX they gave me a rate of 7.50 % and I said that is not beating it and take me off your calling list immediately. It was stated to me that it would take up to 30 days, but again on XX/XX/XXXX    they called and I said take me off your list I am not interested and I just told you this 3 days ago. I received another call on XX/XX/, said take me off your list and I told them on XX/XX/XXXX  they said it would take 30 days but you need to take me off your list, I then got hung up on. XX/XX/, I told them to take me off their list along with telling them I'm on the FTC do not call list with XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/23, and then lastly today I got XX/XX/23 and I said I was told on XX/XX/XXXX  that it would take 30 days and this is past 30 days and I asked you to take me off my list and I had enough of these phone calls. This phone call happened at XXXX XXXX  and these calls have come in at various times such as XXXX XXXX XXXX  and they came in between XXXX to XXXX on these dates. I have also received a call today XX/XX/XXXX  at XXXX XXXX  and told them I've told them time and time again I asked for me to be removed and I am now requesting {$1500.00}. They also called from number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiries on my credit report i do not recognize
Product: Mortgage

To Whom It May Concern, XXXX XXXX was approved for an income based loan modification on XX/XX/XXXX with a trial payment starting on XX/XX/XXXX in the amount of {$5600.00} per month. 
On or about XX/XX/XXXX our client scheduled to have the trial payments automatically withdrawn from her bank account with the point of contact XXXX XXXX. 
XX/XX/XXXX a letter was sent to XXXX XXXX revoking her trial modification due to chase not being able to " verify income, employment, assets, identity, and/or property occupancy on the information provided '' However, the same letter contained an XX/XX/XXXX result which has her income verified at {$17000.00} gross per month with monthly expenditures of {$10000.00}. The XXXX also contained indication that the property was verified as owner occupied. 
XX/XX/XXXX a letter was sent to XXXX XXXX cancelling the automatic withdrawal from her account. The letter indicated that XXXX XXXX cancelled the withdrawal which is not accurate. Our client did not cancel the automatic payments as she is eager to keep her home and resume making her payment. 
On XX/XX/XXXX between 1XXXX to XXXX Eastern time our office contacted Chase and spoke to XXXX XXXX who informed us that the investor ( XXXX ) made a business decision to cancel the modification due to the equity in the home and not based on what is listed in the denial letter. We requested to have the file accelerated to a manager immediately. 
We were transferred to XXXX XXXX in the escalations dept. who informed me that they have limited access to the file and will have an investigation opened and reviewed for accuracy. 
On XX/XX/XXXX at XXXX eastern time, I was contacted by XXXX XXXX . Unfortunately she left a voice mail and did not notify our office what file she was calling on. However, I immediately called Chase back and was told that without a loan number they could not assist me. They also were unable to transfer me to XXXX XXXX so I could figure out what file she was calling on. I specifically requested that an email be sent to her and requested that she call me back but instead of leaving a voice mail, I asked that she request to speak with me as it is our office policy that if any lender calls the assigned representative is to get on the phone immediately. She did not, so we were unable to receive a proper update on the file until we were informed by our client that XXXX XXXX was in charge of her account and I was able to put the information together. 
Now, our client is being told to submit all new financials for a new review when our client has already received a financial review and approved. 
XX/XX/XXXX our office contacted chase again and we were notified that the resolutions department concluded that on XX/XX/XXXX the lender decided to overturn the approval because the file didnt meet the guidelines after the approval. 
It is our belief that Chase made a mistake by taking the modification away and voluntarily canceling her trial and are refusing to accept that a mistake was done at our clients expense.
Product: Money transfer, virtual currency, or money service

I didnt realize that I was being scammed until things started not to add up. Not I have been scammed out of {$670.00} by a fake Dr on XXXX.
Product: Money transfer, virtual currency, or money service

THRU THE XXXX XXXX XXXX XXXX XXXX  I GOT CONNECTED TO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), THE GROUP COUNTED XXXX TRADERS, WHO PARTICIPATED IN TRADING CONTRACT WITH CRETOR OF THIS GROUP PROFESSOR XXXX XXXX WHO WAS PROVIDING TRADING SIGNALS AND EDUCATED THE GROUP IN TRADING.I WAS INVOLVED IN TRADING WITH XXXX  XXXX FROM XXXX XXXX XXXX INVESTED AND PAID SERVICE FEES XXXX ATTEMPTED 3 TIMES TO WITHDRAWAL MONEY, THEY LOCKED 3 TIMES MY ACCONT TO PAID THEM SERVICE FEES XXXX AND I PAID ALL.THEY PROMISED THAT MY ACCOUNT BE UNLOCKED AND I CAN WITHDRAWAL ALL MY MONEY WITH XXXX ATTEMPTED FOURTH TIMES AND THEY XXXX AGAIN, THEY WANTED TO ME PAID ANOTHER XXXXFOR UNLOCKED MY ACC.I STOPED WITH THEM AND REPORT SCAM TO XXXX XXXX POLICE, MY REPORT # XXXX I REPORTED SCAM TO FEDERAL TRADE COMMISSION, REPORT # XXXX, ALSO I REPORTED FROUD TO MY CITIBANK ALL WIRE TRANSFERS XXXX WHAT I DID THRU MY CITIBANK.
Product: Checking or savings account

Re : Complaint Regarding Unnecessary Hold on a Deposited Check by Fifth Third Bank Dear Sir or Madam, I am writing to file a formal complaint regarding Fifth Third Bank 's prolonged hold on a check deposited into my account, which has caused significant financial hardship. On XX/XX/XXXX, I deposited a payroll check from my employer, which is issued from the same account that previously provided direct deposit payments into my account at Fifth Third Bank. Despite this established relationship, the bank placed an extended two-week hold on my check, making the funds unavailable for an unreasonable period. 

This two-week hold is excessive and beyond the timeframe allowed by federal law. According to Regulation CC of the Expedited Funds Availability Act ( EFAA ), codified under 12 CFR Part 229, banks are generally required to make funds from local checks available within two business days ( 12 CFR 229.12 ), and non-local checks within five business days ( 12 CFR 229.13 ). Furthermore, the Federal Deposit Insurance Corporation ( FDIC ) suggests that a prolonged hold may only be justified under specific circumstances, such as a large deposit or suspicion of fraudulent activity ( 12 CFR 229.13 ( b ) ) neither of which applies in this situation, given that the check is from my regular employer and has been routinely deposited via direct deposit in the past.

Additionally, this situation contravenes the Federal Reserves guidelines on check holds, which advocate for timely fund availability, especially when there is a history of direct deposit payments from the same source.

I believe this hold to be unjustified and potentially in violation of the Expedited Funds Availability Act. The delayed access to these funds has caused me undue stress and financial difficulty, and I am requesting your office investigate the matter to ensure that Fifth Third Bank is complying with federal laws regarding check holds and fund availability. 

Please let me know if you require any additional information. I appreciate your time and attention to this matter and look forward to a timely resolution. 

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

In accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Experian XXXXXXXX XXXX XXXXXX/XX/XXXX, Inquires US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions