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

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding, and statement of purpose Transunion as a violated my right to privacy reporting the closure of my closed XXXX XXXXXXXX account. 15 USC 6801 ( a ) ( b ), It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The use of this report as result in substantial harm and inconvenience to me. Transunion a nonaffiliated third party does not have the legal standing to report such information and affecting my credit worthiness. 15 USC 6802 ( b ) ( 1 ) ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ( Transunion ) ; the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Mortgage

I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.
Product: Checking or savings account

I was called on XX/XX/2022, with a phone number that said " Bank of America ''. I was told that it was a bank representative and that someone was fraudulently using my checking account. I was instructed to transfer all of my money to " myself '' using a XXXX account. I was told that I needed to transfer all of my money immediately so that it could no longer be fraudulently used. I transferred the money because as I have stated, the caller ID said " Bank of America '' and the supposed " representative '' knew exactly how much money was available in my bank account. I transferred the money. I was told that the funds would be available in my bank account the next morning. The funds were not there. It was a total of {$2700.00}. I called my bank when the money did not show up and they stated that they did not call me. I filed a claim and then I received a letter about a month later stating that they are unable to replace the funds. The claim number is, XXXX.
Product: Credit reporting or other personal consumer reports

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL XXXX CREDIT BUREAUS SHOULD REPORT THE SAME. 
XXXX FROM XXXX IS XXXX info Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number
Product: Credit card or prepaid card

I have contacted Apple Card Support, XXXX, XXXX, and XXXX many times to get this situation solved. Every time I apply for the Apple Card credit card, it declines me because of trades that I do not have open, since I do not have any trades. I have confirmed with all three credit bureaus ( XXXX, XXXX, and XXXX ) that it does not show anything about trades on any of my credit reports. Apple Card Support is also not very helpful, and does not know why it keeps declining me for the same reasons. Apple Card Support advised me to call XXXX, XXXX, and XXXX, which I have already done, and still am unable to get approved. I have attached the letter that Apple Card Support sent me via email about me being declined. I have also been working to try to get this Apple Card credit card for over a year, and I still can not get approved for the card, and it is just so frustrating. I could use all the help that I can get. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX
Product: Checking or savings account

I received an email today regarding an open bank account with Citizen Bank. The date is XX/XX/2021 at XXXX. I was sleeping at that time. And I have my own bank, on top of it, Im not working to open a new bank account. I reported and filed a complaint with Citizen Bank. Now Im afraid that someone knows my social security and my Date of birth and will use my information to open accounts under my name. And the bank representative also advise me yo report this matter to this website.
Product: Credit card or prepaid card

My daughter had a tooth extraction but she didn't provide all the insurance information, so they charged her an extra {$140.00} for the extraction, I called the dentist next day and gave them the correct insurance information and they verified it and they told me they will refund me, but they didn't refund me, I called many times but they didn't refund me yet, they keep saying another week and another week. 
I called the credit card company Chase Business Ink Credit Card to dispute the charge, but they denied my request just over the phone even without doing any investigation, I wasn't happy with their response as they should have at least refund me back and they will deal with the dentist who will not deny the refund because he over charged me by error.
Product: Mortgage

I bought a apartment on XX/XX/XXXX and I submitted a request form to Chase Bank to waive my PMI on XX/XX/XXXX. The Chase bank scheduled appraisal for my apartment on XX/XX/XXXX and I got the BPO price $ XXXX for my apartment and it reached LTV ratio 80 % to cancel PMI. The Chase bank revised the appraisal report personally for $ XXXX. 

On XX/XX/XXXX I received a appraisal report from Chase which shows BPO price $ XXXX and the appraisal information was wrong : 1.I have three garage parking and appraisal report shows only have one. 
2.I have a deck and the appraisal report shows none 3.There were a lot of recent sold similar property but the report shows there was a lack of similar comps in this area. 

Above all, the Chase bank hide the original appraisal report revised appraisal report price so that I can not cancel my PMI.
Product: Mortgage

On XX/XX/XXXX we rec 'd a letter from Specialized Loan Servicing indicating an escrow shortfall of {$6600.00}. We mailed a bulk check to them on XXXX in order for monthly mtg pmt of {$1700.00} to remain the same. On XX/XX/XXXX we rec 'd letter from Newrez indicating they were new loan servicer. We continued making former payment of {$1700.00} while mailing letters to Newrez on XXXX and XX/XX/XXXX and sending at least XXXX online messages disputing the new contractual payment of {$2600.00}. The resulting certified letter to us dated XX/XX/XXXX indicates the bulk pmt {$6600.00} sent to XXXX during the transition of loan servicing would NOT satisfy the escrow shortage and our monthly payments would increase. Instead of continuing with {$1700.00}, our new payment is now {$2100.00}. I sent an online message to Newrez on XXXX and included a copy of the SLS letter to us dated XXXX. Unfortunately, several past due letters were rec 'd from Newrez on XX/XX/XXXX, XX/XX/XXXX and one additional date in the interim. 
Notably, in a letter to us from Newrez dated XXXX announcing migration to them as a new servicer, " Your mortgage terms WILL NOT CHANGE ( their emphasis ) as a result of this migration. '' and " We will manage and pay your taxes and insurance if they are currently escrowed. '' To date, we find this information to be untrue. We would like our payments to remain the same following the bulk payment of {$6600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that Equifax was in violation of FCRA ( 15 U.S. Code 1681b ) -Permissible purposes of consumer reports, by furnishing a consumer report without my written permission. Information on that report was also inaccurate ( XXXX XXXX XXXX in the amount of {$110.00} ) Each violation is regulated by the FCRA with a remedy amount of $ XXXXViolation ( 15 U.S. Code 1681n ) - Civil liability for willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent 60+ days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX.io ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of 19,000 USD was transferred from my wallet utilizing Coinbase services
Product: Debt collection

I think that debt is not mine. The information provide is not enough to know the debt
Product: Checking or savings account

On XX/XX/XXXX I was sent a check ( via priority mail ) for a " mystery shopper program ''. I have participated in a program like this before. The check was deposited at a Chase ATM On XX/XX/XXXX I was declined for a debit card charge on this account. I called chase and they notified me that my account was restricted and chase was going to be terminating the relationship between bank and myself. I was rudely spoken to and have documented the discussion. I was notified to go to a chase bank to withdraw the remaining balance. After going to the Chase bank in XXXX XXXX ( {$12.00} XXXX ) I was notified by the banker that remaining funds would not be available until Wednesday XX/XX/XXXX. On XX/XX/XXXX I went to the Chase bank in XXXX XXXX as directed ( {$17.00} uber ). I was notified by the banker that ALL funds are being withheld/frozen until 7-10 business days from XX/XX/XXXX. I then called XXXX as directed for clarification. Again, I was spoken to in a manner I never have been. After having to change my direct deposit for work, having no access to cash in my checking account, taking off work to get incorrect information from Chase ( online and in the bank ) my funds are still not available CHASE has ruined my work schedule and my families holiday. Chase has cost me {$1300.00} in travel and holiday expenses along with late payments due to not having access to my account
Product: Mortgage

I have a home loan with Planet Home Lending after a year of having my mortgage with them they are saying that no Cushion was made at time of closing for Escrow or Insurance which was left at time of closing and are now requesting a Cushion to be left of over XXXX which I believe they can only request by IL Law within the first year. which has increased my monthly payment from XXXX to XXXX per month
Product: Credit reporting or other personal consumer reports

On XXXX while at the mall my debit card and work cell phone was stolen and used to make fraudulent purchases and email account was hacked. I contacted XXXX lender on XXXX when I realized that my account was then being reported late. I had previously attempted to access my account repeatedly but was unable to do so due to countless attempts not authorized by me to access my account. On XXXX I called and spoke to a representative regarding this issue and they where able to change the email on the account and I was finally able to change the banking information associated with the account. In regards to XXXX I filled a report immediately and locked the debit card to prevent any purchases. I still to date have not received the money that was taken out of my account and have asked for updates on the status of this on the following dates XX/XX/2023 and XX/XX/2023 still no updates as of yet.
Product: Debt collection

This company keeps on putting this on my credit and i never had any agreement with them on anything and I ask them to show me proof of this agreement and yet haven't gotten any response and i want this off my credit or i will seek legal action
Product: Mortgage

I received a letter at the beginning of XXXX from mortgage company Loancare , LLC stating that I did not have flood insurance on my property. I do have flood insurance separate from my homeowner 's insurance. I uploaded Insurance documents on XX/XX/ to the portal and received email verification that they were received. 

On XXXX I was notified that my Escrow account had disbursed {$2700.00} for flood insurance purchased by the lender since I did not have my own. I uploaded coverage documents to the online portal on XX/XX/ and again received an email notification that the documents had been received. 

On XX/XX/ I contacted My Loan Care by telephone to follow up. After being placed on hold for over an hour and being transferred to several people I was told I needed to upload documents to prove coverage. I stated I had done this on XX/XX/ and XXXX The representative 's response was " sometimes it takes a few days '' so I should resubmit the documents and call back another day. I requested an email to submit the documents to since uploading them had been unsuccessful, despite my having received two separate emails confirming receipt. I again submitted the documents by email XXXX 

On XXXX I logged in to check the status. The information still had not been updated, nor the escrow disbursement reversed. I AGAIN uploaded the documents to XXXX on XXXX. Once again I received an email confirming the the documents were received. I plan to follow up by phone again next week, but given the history of poor communication, fraudulent escrow disbursement and lackadaisical attitude of employees this incident should be investigated.
Product: Money transfer, virtual currency, or money service

I was sending money to a merchant in Zelle promise the money would be available within minutes however the merchant did not receive the money until a few days after the transaction
Product: Checking or savings account

I have been charged twice this month for a returned item fee. The first time on XX/XX/year> I spoke with a representative and got a refund. Later on on XX/XX/year> I was charged yet again another XXXX dollars in fees when there appears to be money in account.
Product: Debt collection

I have been a victim of identity theft and have made contact with this company in trying to resolved this matter. I have sent it many request for this collection to be removed from my credit and have just be either hung up the phone or direct me to somebody else.
Product: Debt collection

XXXX XXXXXX/XX/XXXX failed to bill my insurance. I am on XXXX and under XXXX rules I can not be billed for a bill.
Product: Checking or savings account

On XX/XX/XXXX a XXXX  hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX   then transferred funds ( XXXX ) from  my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.
Product: Checking or savings account

Accounts opened and closed. Then reopened... mortgage opened.
Product: Debt collection

XXXX XX/XX/2020 I had an emergency XXXX XXXX performed at XXXX XXXX, I paid the bill of {$600.00} in total at time of services. A month later XXXX XXXX of XXXX XXXX created a fictitious bill in the amount of {$350.00}. After receiving the bill I spoke to there billing department and was told it was a mistake. A couple weeks after that I received a letter all funds where credited and account is paid in full. Four times I received a bill and after calling received the same letter stating my bill was paid. 
I then received a collection notice from Continental Credit collections. When speaking to them I was told they could do nothing. I have sent my proof of payment and all copies of letters to both companies. 
I have never received proof of any charge of {$350.00} and have been told it was an error many times. Even so the bill continues and has been placed on my credit report. 
This is a felonious bill and acknowledged by XXXX XXXX Continental Credit is aware of this discrepancy. These companies have not fixed this billing error instead harassed me at work, home and placed this on my perfect credit rating.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated : 1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), which outlines the permissible purposes for which consumer reports can be furnished, any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed upon under 15 USC 1666b, which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is inaccurate and should be rectified accordingly.

ACCOUNTS THAT NEED UPDATED : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Debt collection

Around XX/XX/2024, I received an email notifying me that a derogatory item was reported on my credit profile with all three major credit bureaus. On today, I accessed my credit profile via XXXX and learned that Jefferson Capital Systems reported a debt of {$480.00}. The company reported this debt to the credit bureaus without contacting me to verify the debt. More importantly, the debt does not belong to me. I request that the debt be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except LOAN DEPOT via XXXX  which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with LOAN DEPOT and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that LOAN DEPOT sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering loanDepot for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to loanDepot, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with LOAN DEPOT, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by LOAN DEPOT 's " HARD '' hit on my account. 

I called LOAN DEPOT and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX  nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.