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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I did not have XXXX XXXXXXXX XXXX  on my personal account at all. This account does not belong to me. Account number XXXX. Im asking to be removed and deleted off my credit report it is not reporting accurate information.
Product: Credit card

Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, there is some inaccurate obscene personal information being reported. Listed below are the problems with my personal data. 

My correct name is : XXXX XXXX. My correct address is : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, North Carolina XXXX Please delete all other names, as they are inaccurate. Please also delete all other addresses from my credit report as no mail is deliverable to me by the United States Post Office, through these addresses and are therefore not reportable as per the Fair Credit Reporting Act ( FCRA ). All items listed are inaccurate and must be immediately deleted. Once complete please send me a copy of my updated credit report which reflects the deletions I have requested. I expect a response within 30 days. 

Thank You.
Product: Checking or savings account

without notice have had bank account wiped out entirely due to funds owed to a credit card without notice or approval. 

have had holds put on cash deposits have received emails regarding extension of time to deposit money to cover overdraft fees then charged fees and items not paid
Product: Mortgage

My mortgage payment is XXXX, has been for over one year. I pay ( except for ONE payment ) XXXX each month and state " difference to principal, which would be {$1.00}. 
Capitol Mortgage Services ONLY applies XXXX cents and so far has REFUSED one phone call, two e-mails and their web site e-mail to credit the principal the difference or even tell me why. 
I pay it, I tell them where to apply and they refuse, won't even tell me a single thing or do a single thing to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX company is currently reporting a negative listing to the three major credit bureaus ( Experian, XXXX XXXX, and XXXX ) regardingt Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate.
Product: Mortgage

XX/XX/2019 opened home refi with B of A XXXX XXXX loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca I proved ALL information that was asked for. My credit was ran and appraisal ordered. I paid {$540.00} for appraisal. 
On XX/XX/2019 I went to bank to drop off a disclosure that was already signed but not dated. At that time I was told by XXXX my loan was canceled due to NOT receiving a reaffirmation letter from XXXX XXXX from our bankruptcy from 10 years ago.

1. AT no time did B of A ask me for this letter.

2. After calling my BK attorney and XXXX XXXX I was told this letter was NOT used in XXXX and there was NO way to get it because I can't generate something from 10 years ago. XXXX XXXX told me they would give B of A verification that all my payments were made on time ( never a later payment ).

3. B of A told me they could not payoff a loan that was not on my credit report and there for MUST have this reaffirmation letter.

4. I want to be refunded my appraisal fee of {$540.00}. 
I think B of A is NOT following proper mortgage laws because to date I have not received anything from B of A telling me why my loan was canceled. I think B of A should NOT have started my loan because XXXX saw my credit report upfront and I told him about the BK from 10 years ago. If B of A wants to require a form that does is NOT used in XXXX then they should NOT take these XXXX loans. 
I talked to Mortgage manager XXXX XXXX XXXX XXXXon XX/XX/XXXX asking for refund for appraisal he told me he would ask his boss and call me back NO later then 72 hrs. I waited a week and no replay. I sent him email yesterday still no reply. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. ) XXXX Balance : {$950.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00}, XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the reporting agency twice via certified mail, but the reporting agency ( 1 ) unable to update the negotiated plan ( currently on charge-off status ) with XXXX  XXXX XXXX, per the settlement agreement filed with XXXX County Superior Court, ( 2 ) Unable to update the credit report status per settlement agreement with XXXX XXXX, it is settled as all relationship will be terminated, no future relationship will be engaged, all cards will be canceled and delete, including all balance due
Product: Credit card

Subject : Re : Dispute Regarding Unsatisfactory Service at XXXX XXXX ( Case # XXXX ) I am writing to express my strong dissatisfaction with the handling of my dispute regarding a service performed at XXXX XXXX XXXX XX/XX/XXXX ( Case ID : XXXX ). The service, totaling {$2900.00}, included a XXXX oil change, acceleration issue diagnoses, and brake fluid exchange. 

Timeline of Events : XX/XX/XXXX : I paid {$2900.00} for the aforementioned service at XXXX XXXX. 
XX/XX/XXXX : Dissatisfied with the service quality, I filed a dispute with Chase, highlighting the unsatisfactory service received. 
XX/XX/XXXX : As per Chase 's request, I submitted additional documentation, including a report and second opinion from XXXX XXXX XXXX XXXX, clearly identifying discrepancies in the service provided. 
XX/XX/XXXX : Chase initially acknowledged the dispute 's validity. 
XX/XX/XXXX : Concerned with the lack of clarity, I re-contacted Chase, reiterating my concerns and providing further evidence. 
XX/XX/XXXX : After months of no updates, I inquired about the dispute status. 
XX/XX/XXXX : I contacted Chase again and learned the dispute remained " under merchant review '' despite exceeding a reasonable timeframe. 
XX/XX/XXXX : Chase unexpectedly closed the case, reiterating its validity. 
XX/XX/XXXX : Upon receiving a physical letter, I discovered the online status still displayed " under merchant review. '' I contacted Chase and escalated the issue to the Executive team. 
XX/XX/XXXX : The Executive team denied my claim, stating no justification was found.

My Concerns : Misrepresentation of Dispute : Initially, I disputed the charges due to unsatisfactory service, yet Chase initially categorized it as a suspected fraudulent transaction.

Inadequate Justification for Denial : Despite providing substantial evidence ( second opinion report, service invoice showcasing inconsistencies ), Chase failed to provide a valid justification for denying my claim.

Inconsistent Communication : Throughout the process, the online status update system lacked accuracy, and communication was inconsistent.

I am deeply disappointed with the handling of this case. The evidence clearly demonstrates that the service was not performed correctly, and the lack of transparency and justification for the final decision is unacceptable.

Therefore, I formally request that you re-evaluate my dispute and consider the evidence provided. I believe a full refund is the appropriate resolution in this case.
Product: Credit reporting or other personal consumer reports

Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at XXXX who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX Balance Owed : {$5300.00}
Product: Mortgage

After sending in proof of flood insurance before the deadline, the company went ahead anyway and bought flood insurance and charged my escrow {$700.00}. 

They confirmed receipt of the flood insurance and there is no legitimate reason I should be liable.
Product: Credit reporting

Experian Credit Bureau reinserted a previously deleted collection on my credit report without my knowledge or without contacting me in any way. The reinserted collection account is : XXXX XXXX XXXX XXXX Account # XXXX.
Product: Credit card or prepaid card

Credit card was closed around a year or two ago with a {$0.00} balance now account has been reactivated and has been reported as an open credit card to XXXX. I did not reactivate this. I want it closed permanently and removed from the 3 credit monitoring services. I tried calling their customer service and they could only tell me the account was closed
Product: Debt collection

This company reported on my personal credit file and this is NOT mine. I called them and they advised me they can not give me any information. THEN WHY are they reporting it on my personal credit file. This is crazy
Product: Money transfer, virtual currency, or money service

Regarding open log-in my Coinbase. 

I still can not open my account to log in to Coinbase. They asked to change my ID was suddenly changed in 2018, but I am still unable to log in and access my account. I have also changed my telephone number after 2018.
Product: Mortgage

We did a forbearance program with our original lender XXXX XXXX and then they sold our mortgage to flagstar. We have filled out 5 or 6 loss mitigation applications in the past 3 years and they wait until the information is 90 days old to tell us that we need to send in updated bank statements or pay stubbs. And we have to restart the whole process again. Just seems they are giving us the run around. Meanwhile the past due balance is growing and they will not let us make payments until we can pay the past due in full. We have hired an attorney to help but he is not so helpful. We don't understand why the lender didn't just add the money to the back end of the loan like promised when we started the forbearance plan during covid XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Their were hard inquiries on my credit report that were not authorized by myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SANTANDER CONSUMER USA- XXXX/XXXX/XXXX XXXX XXXX XXXX OF- XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am very concerned because my credit report is showing discrepancies. I am a very concerned consumer concerning these discrepancies as it is affecting my credit and overall quality of life.Please remove this information as you are in Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing now in wish to receive your help. Presently I am working on reviewing my credit, paying down my balances, and pursuing greater credit worthiness. You play a very important role in this process. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to Equifax credit bureau experial entrancing credit bureau multiple times over the last twenty seven months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to AMERICAN REPORTING C for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a notification from XXXX credit reporting agency that my credit score was decreased by 46 points because of a negative entry submitted by Radius Global Solution for {$100.00}, I called Radius Global and asked them to verify the debt over the phone and in writing because I did not even know what the debt was for. The phone agent transferred me to an alleged supervisor. The supervisor, when attempting to verify my contact information, told me my address, which was not even correct. I was told By the supervisor I would receive an email verifying the debt. To date, I have not received any email. This company submitted a negative entry to my credit report without giving me an opportunity to even see the debt or pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$4100.00}?
Product: Debt collection

Contacted kings credit services they said Its show paid but they havent receive notifications to remove
Product: Mortgage

My Chapter XXXX XXXX filing was discharged 6 years ago. I included XXXX mortgages in the XXXX which have XXXX been paid on time for the past 6 years since the discharge. However, I am not getting credit for either mortgage on my credit bureaus. I have contacted all XXXX agencies as well as XXXX servicers to resolve multiple times. Both agency and servicer are suggesting that the other is at fault. This situation is impacting my credit score and in turn my lending options. Being at a loss I decided to contact the CFPB to see if they could be of assistance in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute stating that they are reporting inaccurate and unknown information on my credit report. To this day they still have not removed it and I am attaching proof that it is totally inaccurate reporting. I am furious this is still on my credit report. I also have been seeing big lawsuits against these guys which is a big concern and I am ready to file for litigation if they do not remove after this. They are violating multiple laws and I never heard of half of these accounts they are reporting nor gave them permission to put it on my report. 

I have pretty familiar with Fair Credit Reporting Act and consumer law and will list the violations. 

These are the accounts that still must be removed. 

XXXX. XXXX  XXXX Acct # : XXXX This account is not mine and it has different information across the bureaus and I am attaching proof. 

XXXX. XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached XXXX. XXXX Acct # : XXXX Never even heard of this company and they are all reporting different information and it must be removed. XXXX attached XXXX. XXXX XXXX Acct # : XXXX This account is reporting inaccurate information and must be removed. Proof attached THESE ARE THE LAWS THEY ARE VIOLATING XXXX5 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.

I understand they are in a lot of heat right now and all I am asking is that they finally remove these unlawful accounts reporting so I can acquire credit as this is hindering me. I am filing with CFPB to document all of this if I have to file for litigation.
Product: Money transfers

I sent money to my relative but accidentally initiated it twice. I realized my initial error when the transaction came out of my bank account again, causing a overdraft, and it was returned. I called moneygram to fix the problem ( have the second item cancelled ), the representative stated they had no record of the second transaction, just the first. 7 days later the ach is processed again on my account, causes another overdraft and is returned again.
Product: Debt collection

My daughter was contacted by XXXX XXXX of Worldwide Recoveries , LLC claiming that she had a uncollected debt in the amount of {$1900.00}. She asked XXXX XXXX to contact me and I had a telephone conversation with him in which I asked him to email me the supporting documentation verifying the information. He emailed me a file which I can summit. The file gave no details as to the origin of the supposed debt nor any support to prove the validity of his complaint. I attempted to respond to this email but the email address is evidently invalid - [ mailto : XXXXXXXXXXXX ]. XXXX XXXX continues to phone my daughter with threats of legal action although my daughter has asked that he deal through me. 
Worldwide Recoveries , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Fax : XXXX
Product: Money transfer, virtual currency, or money service

I had credit karma as my text I know text return repair I had an anticipation loan that I was pre approved never got that money I also did 2 money transfers which stayed double charge me and never give me the money back for {$600.00} all of this I have paperwork in documents stated and I couldn't tell you that amount of phone calls I made that never got me anywhere with credit karma they ruined my experience with XXXX XXXX forever