23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Basically I am complaining that two different mortgage companies 1 ) XXXX  2 ) Lakeview/XXXX XXXX   mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). 
Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. 
By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file.

Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$3900.00} 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
Product: Mortgage

I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending XXXX
Product: Debt collection

Notice of dispute ; To whom my concerns, under federal law by 15 U.S. Code 1692 ( g ) and 15 U.S. Code 1692 ( c ), youre have the power under natural law to delete all kind of Debt Collection that I not personally owned.
Product: Debt collection

In XX/XX/XXXX, I was called on the telephone by a debt collection agency trying to collect a debt from a hospital stay in XX/XX/XXXX. The person on the phone was rude and demanded payment immediately even though he had no information about the exact services rendered. I disputed the bill in writing, until further proof and itemized bills could be produced. Once I received an itemized bill, I was able to verify what the correct charges were and I paid the bill in full with a personal check in XX/XX/XXXX. The check has been cashed and cleared my bank account. Since that date I continue to received bills from the same company, and another company under a different name ( XXXX ).  I have called both companies and told them that the bill was paid in full, providing copies of cancelled checks, but I continue to receive bills on a monthly basis. I am tired of trying to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found multiple hard inquiries on my credit report that I did not authorize nor recognized. 

Inquiry : XXXX XXXX Inquiry : Credco I never authorized XXXX  XXXX nor Credco to pull my credit in the months of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX or XX/XX/XXXX. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of gross abuse.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several inaccuracies that immediately raised concern. There were a few ( 22 ) inquiries listed that I didn't recognize, indicating potential unauthorized checks into my credit history, I contacted the credit bureau to dispute the inaccuracies. Not authorized to share informationIm being infringed upon 15 USC 1681 ( a ) ( 1 ) 15 USC 1681c-2 15 USC 1681 ( n ) 12 CFR part 1022 REGULATION V XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Over the past 2 years I have earned a significant number of miles from CitiBank related to their partnership with XXXX XXXX XXXX XXXX. Of the miles I have earned, I recently received notice from XXXX XXXX that XXXX of these miles will now no longer be usable due to a termination of my XXXX account. These miles are valued at approximately {$20000.00} if bought directly from XXXX XXXX. XXXX XXXX asserts the reason for my termination was due to " Exploitive Practices ''. As essentially all of the miles I have gained have been a result of the partnership offered by CitiBank through their Credit Card, CitiBank is at fault for the " Exploitive Practice '' used to obtain these miles. CitiBank awarding the miles to my rewards account with XXXX XXXX is the direct reason my account was closed by XXXX XXXX. As CitiBank awarding these miles is the reason I am no longer able to utilize the miles, I believe CitiBank should provide an alternative award instead of these now useless airline miles. The bank essentially marketed a credit card rewards incentive to me that, when awarded, would result in the reward incentive being taken away. This is deceptive marketing and should be investigated.
Product: Mortgage

My mortgage was purchase by Bank of America from countrywide. The arm loan Bank of America refused to let me refinance and sold the arm loan to XXXX XXXX. After numerous attempts Bank of America and XXXX XXXX would not allow a refinance loan. My home I had no choice but to sell due to the ballon loan. 
I was rendered XXXX with XXXX  children for 6 weeks in 2021. Now Bank of America after several attempts 6 calls and an in person bank branch meeting refused to give my mortgage tax information to me preventing me from filing 2 years of taxes, Im now facing fines.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, a background check was requested by XXXX and issued by First Advantage, XXXX XXXX XXXX. It was completed the same day, and the information regarding my SSN is wrong. It says that my SSN was never issued and does not belong to me. All other information is correct, and the SSN is mine. They claim there is a high probability that the number belongs to another consumer, and that there is no record of my SSN. I have my SS card with me and I know that there was no mistake when I put it in.
Product: Student loan

I recently had my credit score checked for a mortgage application and it showed an open/active account for a past student loan with ACS Education. This student loaned was paid off about 5 years ago, but the account appears to still be open, even though the balance displaces as {$0.00}. When I tried to contact the loan provider, the phone number was disconnected and the website was no longer active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$27000.00}
Product: Checking or savings account

XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to cash a bank Certified Cashiers Check from Citizens Bank. ( routing number XXXX ) XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from Citizens Bank was forged. 

XX/XX/2019 - I was told by the branch manager of XXXX XXXX that they could not do anything for me and that they were not liable. However, XXXX XXXX was responsible for depositing the check. XXXXXXXX XXXX in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - XXXX XXXX XXXXocated in XXXX gave me a copy of the forged check and told me that Citizens Bank has to file a forged endorsement claim. 

XX/XX/2019 - Citizens Bank branch office in XXXX XXXX  said that it is XXXX XXXX   responsibility to fill out the forged endorsement claim.
Product: Credit reporting or other personal consumer reports

SAW A LINK, DONT REMEMBER WHERE, THAT SAID I COULD GET XXXX FREE CONSUMER REPORT. CLICKED ON THE SAME LINK AND RECEIVED PAPERWORK FROM LEXISNEXIS AND NOT THE FREE CONSUMER REPORT? RECIEVED THE FOLLOWING XXXX LETTERS FROM LEXISNEXIS, BOTH HAVING SAME INFO? WHAT IS THIS!?!?!?! 

XX/XX/2024 LEXISNEXIS CONSUMER NUMBER XXXX CASE NUMBER XXXX XX/XX/2024 CONSUMER NUMBER XXXX CASE NUMBER XXXX XXXX. CONSUMER STATEMENTS THAT YOU REQUESTED BE PLACED ON YOUR FILE XXXX. ALERTS OR FLAGS INDICATING THE EXISTENCE OF A SECURITY FREEZE... 
XXXX. DATA THAT IS CURRENTLY UNDER DISPUTE BY YOU .... 
XXXX INFO PERTAINING TO SOURCE OF DATA ON THE REPORT... 
XXXX. IDENTIFICATION OF ENTITIES WHO REQUESTED MY INFO... PRIOR 12 MONTHS XXXX. COPIES OF REPORTS PROVIDING ACCESS TO MY INFO TO COMPANIES XXXX, " HOW TO READ '' INFO IN MY FILE XXXX. APPLICABLE FEDERAL AND STATE SUMMARY OF RIGHTS
Product: Checking or savings account

I had an issue where my checks was stolen. The person deposited my chase bank check of {$1700.00} into his account at XXXX. I filed a police report and followed up with chase bank. I dont know where the person got this check. I had not written any checks on this account for over 2 years. I had numerous conversations with my bank to try and get their help in getting the money back. They were unwilling to assist and insisted that I was responsible for safe keeping of my cheques and rejected my claim without even reaching to the XXXX bank. 
I went to XXXX and show them copy of deposited cheques and ask me to have CHASE BANK send them ( AFFIDAVIT OF FORGERY FORM ) and will reverse the funds back to my account.UNFORTUNATELY CHASE BANK REJECTED IT. 
Please am in need of your assistance to help me get my funds back. 
Thank you
Product: Checking or savings account

my pay was deposited and showed pending which it never has before when I call cash app they tell me that I can pay a fee to have my money available immediately or wait 1-3 business days for a deposit that should already be in my account ... then when I ask to speak to a supervisor I'm put on hold then told I can't talk to one, one will email when they have time... I called and verified that my deposit was actually deposited and not pre dated or some other situation and was told it was not, I don't know why cash app is holding my direct deposit pay but it ridiculous I have to wait 1-3 business days for my pay that's already been deposited by this employer...
Product: Credit reporting or other personal consumer reports

I want to contest the inaccurate reporting of an account on my credit report, which constitutes a clear violation of the law. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Under Section 611 of the FCRA, your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already removed the account from my report and so I request that you take immediate action to remove this erroneous account from my credit report in compliance with the law. 

XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I was affected and my information was leak because the result of the equifax data breach
Product: Checking or savings account

I want to an event in XXXX I informed chime that I was charged the wrong price and I said proof that I tried to contact them and everything XXXX gave me a temporary credit and even after proving that they charge me wrong and that I tried to reach out to that company time, decided to do it in their favor and caused my account to be severely negative. And I also had a situation where time sent me the wrong credit card twice and it caused my bills to be late and do and some of my bills I wasnt able to use a digital card. I needed a physical card for it and I wasnt able to provide that which cause my bill is psycho late and my balance to be negative and my credit to be affected
Product: Debt collection

I hope this letter finds you well. I am writing to formally request the removal of the bankruptcy record associated with my financial history. XXXXXXXX XXXX  XXXX, and Bankruptcy XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Please remove these fraudulent accounts from my credit report these accounts are reporting false information and need to be removed from my credit report immediately. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Below are a list of addresses I've never lived at or been associated with. I don't know why these addresses are appearing on my credit report please remove them. 

XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

XXXX sent me defective merchandise and authorized the return, but refuses to give me the return info until I cancel the dispute with the credit card company. Once they get the return and accept it, I will gladly cancel the dispute. 

I think its against federal law to blackmail to cancel a dispute to honor a return that they already authorizzed.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed date XX/XX/XXXX disposition date : XX/XX/XXXX type : Misdemeanor assault and battery disposition : convicted unsupervised probation for 3 years
Product: Mortgage

I received a letter in XXXX stating I only had {$3200.00} in flood coverage. I called my insurance agent who sent me and faxed Wells Fargo the declaration page showtime clearly had $ XXXX coverage. I called Wells Fargo to make sure they had what they needed. They said they had it and nothing else needed to be done. I just received another letter dated XX/XX/XXXX that I did n't have enough flood coverage again. I called both mortgage and my insurance agent who uploaded to their system, faxed to them and emailed to me the same declaration page showing we have had coverage the entire time of the loan for the full amount of $ XXXX. I was told to wait 24-48 hrs to make sure they have it. I called today Wells Fargo states they do have it, they also had itXX/XX/XXXX. I asked for something in writing today showing it was all taken care of. I was told yes by 3 people that I could get a fax today saying it was done. I then get the recovery XXXX XXXX XXXX that says I ca n't get this letter today. She said she will open a case # XXXX I asked to speak to XXXX XXXX in her department since he handled the first issue. He was n't available and I was told I could n't hold. I left him a message. I also have the issue that on XX/XX/XXXX {$540.00} was deducted from my escrow for flood gap insurance that they purchased for me. I DID NOT NEED THIS. They had my info showing I was fully covered. On XX/XX/XXXX they refunded partial amount back {$470.00}. There is a {$73.00} difference that they kept. No one can tell me why and I spoke to 4 people today. I was told by the first 3 that the {$73.00} will be fully refunded. Again they wo n't put in in writing for me today. The very next dayXX/XX/XXXX they took out another {$470.00}. Not 1 person today could tell me why. I spoke to 3 people in the insurance department and then XXXX XXXX in Customer Care that was no help, very rude, continued to interupt me and try to over talk me.
Product: Credit card or prepaid card

On XX/XX/XXXX I have received an email from Chase Bank that someone called and let them know that someone posed as me online to let them know that that large purchase would be made to my credit card. I did not make the call and at the end, it says to call me to report if I did not request this spending notification. The email was sent to me around XXXX XXXX and XXXX XXXX and I checked my email around XXXX XXXX at work and I promptly made a call to Chase to find out what was going on to XXXX as per instruction on the email. Someone was making an online purchase at XXXX XXXX online store and trying to charge like over {$2000.00} which was not aware of. I reported the fraud and they promised me that they will protect me and resolve this issue. Next few days, I received a notification regarding this fraudulent charges and the charge was reversed. Today, XX/XX/XXXX, I received a phone call from XXXX at chase bank that she investigated the charges and she can not reverse the charges and she will have to put it back in my account. I asked her to provide me an evidence. but she refused to do so. She kept on saying based on the merchant 's evidence they provided and she can not reverse it because of the evidence but she can not disclose the evidence that is for sure that it was me. When I told her that I want to appeal to this, she said I can not appeal to it. She did not give me a chance to appeal at all. She simply put me on hold for 5 minutes and told me this will go back to my account in next billing cycle. I was upset and I was angry. She did not even give me an option to do anything and trying to punish me for what I did not do. she did not let me speak to a supervisor at all at the time of phone call and she refused to escalate the case after I threatened her multiple times. After numerous argument and yelling and threatening her, she finally told me that she would escalate the case but she still did not provide me with proper information and evidence how she got to her conclusion that the charge is mine which is NOT mine. She told me that she will send me an email but she never. She accused me as a thief, accused me to lying, accused me of deceiving Chase and she caused huge XXXX XXXX to XXXX and a XXXX  XXXX XXXX women by wrongfully accusing me based on wrongful conclusion she made without proper channel confirm it. I want to report this inhumanly treatment she has given me on this wrongful accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Captial one has inquiries on my credit report that I have no knowledge about with the same dates more than once, there is the dates XX/XX/XXXX, XX/XX/XXXX, listed 2 times on all 3 credit bureaus, XX/XX/XXXX listed once, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they did not have my permission to run my credit report and XXXX, XXXX and XXXX will not remove this inquiries stating the info has been verified.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit card

I had an account open with Citi for less than 6 months before having it closed mid-travel due to " credit abuse. '' The cited credit abuse is simply a couple of payments getting returned due to timing issues with my payment bank - I had payments set to be paid on a certain day, and Citi was requesting them earlier in the day than my bank was transferring them. This is a lesson to be learned, but I had no warning my account would be closed until I was abroad relying on this card only to have it fully shut off.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX XXXX I Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included DEPT OF ED/NELNET information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I respectfully sent in notarized and certified letters on XX/XX/XXXX and still no response. Also, please add a promotional suppression to my credit file. 

Companies aren't responding and reporting inaccurate information on my credit report. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you,