23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I had a collection removed from my account while all my other scores like XXXX went up substantially TransUnion decided to penalize me and dock my score XXXX points and then congratulated me for having a collection removed as they took away XXXX points now my other scores are all XXXX and up and now my TransUnion is at XXXX and stagnant and I've tried multiple times to fix it and it would not help me and hang up on me and I'm fed up with them and they're keeping me and my XXXX homeless for a long time now it's an obvious clerical error it's a substantial amount to deduct somebody for having a collection removed in the first place or for anything really and they're acting like it's not their fault and they keep trying to blame XXXX XXXX when it XXXX XXXX says is TransUnion
Product: Mortgage

My dispersants where made to a completely different customer. And customer service/remediation has been non existent. 

Closing and official end of the 3 day cancellation period was on Monday XXXX I was notified that within the next 24-48 hours that payments would be wired. 
on XX/XX/XXXX I noticed no payment had been made to my checking and reached out to followup. XX/XX/XXXX I received a phone number asking for wire transfer information that I did not have. XX/XX/XXXX I replied to my closing expert about the issue and was provided a tracking number. There was no instruction or way to followup on the tracking number outside of business hours. 

On the morning of XX/XX/XXXX I called my bank to see if they could help with the tracking number, and they had no record of the transaction at which point we called in the Title company. We discovered by overhearing the conversation that the wire transfer had gone to a completely different person, bank, and account number. I was asked to provide my phone number so they could followup. 

XX/XX/XXXX noon no updates or response, I called and was able to touch base with another associate that was unaware of the issue. 
XX/XX/XXXX XXXX no updates or response so I reached out again. and received acknowledgement of the email, but no information. 
XX/XX/XXXX XXXX I asked what had been done, if anything had been checked, what the process was. 
XX/XX/XXXX discovered via an email reply that the title company is more concerned with recovering the mis-allocated funds than completing my request or responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$4000.00}. I have tried to dispute the inaccuracy for National Credit System XXXX XXXX XXXX XXXX for the amount owed. This debt was sold to a Third party company and is incorrect. I do not owe this much on this debt. Per the XXXX XXXX XXXX I only owed {$1800.00}. The company refuses to work with me on the balance.
Product: Credit card or prepaid card

I tried to activate my reimbursement card from XXXX XXXX XXXX. The card has a sticker that says activation is required. The phone number XXXX is out of service and the online activation link, XXXX goes to a defunct website.
Product: Mortgage

Our mortgage company, Amerihome Mortgage, created an escrow account that was unauthorized by us. At no time did we ever give any consent for them to create this account. We initially took out a mortgage with them over a year ago with no escrow account. We would like to file a complaint before considering legal action.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : : Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY. 
, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XX/XX/2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, two telephone numbers ( XXXX and XXXX ) and, an erroneous last four digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from ONEMAIN, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are three soft inquiries from : - XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX. 
- XX/XX/2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX. 
- XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX, XXXX. XXXX. 
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
Product: Credit reporting

Someone stole my identity. Opened accounts at sprint, XXXX and pulled my credit info at other places such as XXXX. I have filed police reports, notified all involved companies, placed credit freezes, STILL THE COMPANIES ARE ALLOWING MY CREDIT TO BE FRAUDULENTLY PULLED. It 's ruining me and none of the agencies are helping.
Product: Credit reporting

I have submitted multiple disputes for a Tax Lien on a boat that I sold in 2012. Apparently the buyer shipped the boat out of the country and DMV never received my Release Of Liabality. I have since filed another Release but every year since received a tax lien and a couple of which i paid because I did n't know what to do. Please help
Product: Mortgage

Reference PNC internal Claim # XXXX We are writing to file a formal complaint against PNC Bank regarding their failure to endorse or return the insurance funds issued by XXXX  to repair our home after the severe storms in California earlier this year. Despite the Federal Government and State declaring a State of Emergency, mandating the immediate release of these funds, PNC Bank has shown a complete lack of responsiveness and accountability in handling our legitimate claim, and ambivalence to the civil and Federal codes it is violating. 

Details of the Complaint : XXXX. Non-Endorsement of Insurance Funds : After experiencing severe storms in California, we were entitled to receive insurance funds from XXXX to repair our home. However, PNC Bank has continuously neglected to endorse the funds, leaving us unable to initiate the necessary repairs and recovery process. 
XXXX. Lack of Assistance and Deliberate Delay : Numerous attempts have been made to approach PNC Bank for assistance in releasing the funds, yet they have either outright refused or deliberately prolonged the process. This prolonged delay has caused significant distress and financial hardship on our part. 
XXXX. Forced Withdrawal from High-Yield Interest Accounts : Due to PNC Bank 's refusal to release the insurance funds, we have been left with no choice but to withdraw money from high-yield interest accounts in order to pay vendors for the essential repairs. This has resulted in significant financial losses on our part. 
XXXX. Violation of Legal Rights : By withholding the insurance funds without any reasonable justification, PNC Bank has flagrantly violated our legal rights as a customer. 
XXXX. Claim for Lost and Earned Interest : The insurance funds totaling {$20000.00} have been held by PNC Bank for an extensive period of XXXX weeks. Given the current interest rate of 4.6 %, we demand compensation for both the lost interest on our funds during this time and the earned interest we would have otherwise accrued. 

We seek prompt action and resolution from the CFPB to address this matter. Our situation is urgent, and we require the immediate release of the insurance funds owed to us by PNC Bank, as well as appropriate compensation for the financial losses and distress we have endured. 

Please note : At this time, all vendors have been paid for their services through other funds that we have available that are separate from PNC. However, PNC remains to retain funds at this time. 

We trust that the CFPB will conduct a thorough investigation into this matter and ensure that PNC Bank is held accountable for their actions. We eagerly anticipate a swift and satisfactory resolution to this distressing situation. 

Thank you for your attention to this matter. Please feel free to contact me at the provided contact details if you require any further information or clarification. 
Sincerely,
Product: Checking or savings account

I called Everbank on XXXX requesting to transfer the funds in my account and to close my account, as I intended to withdraw the remaining amount ( approximately {$6000.00} ). I was told that the account was under a " manual review '' and that I was not able to transfer or access my funds. The funds have been in this account for many months since the account was open, so there should not be any holds or limitations on availability of funds due to Regulation CC. The bank was unable to give me viable reason for the hold or provide justification of a regulation allowing for them to restrict access. 

Restricting access to these funds creates consumer harm and there was no disclosure made to me regarding the hold being put on my account. I was unable to access the account online and then access was restricted when I called into an agent. 

This should be evaluated as an unfair, deceptive, or abusive act or practice under the provisions of XXXX XXXX given the harm I will face given the undue delay in access to my funds.
Product: Checking or savings account

About 5 month ago someone start charging money from my checking account, I've noticed and called to file a complain, bank closed my account and opened fraud case. On XX/XX/2023 I received letter from Citi Bank stating that investigation is complete and permanent credit was applied to my account, I called to the bank and they said they send a check for the amount of {>= $1,000,000}, I did not receive money and called again, they said that they got the check back, we checked the address and found out that they put wrong apartment number ( instead of apartment # XXXX they put Apartment # XXXX ) someone in the bank made a mistake, because before I received my debit card and other correspondence to the correct address, after that conversation, I called every week, no one was able tell me where the check, I went to the bank a few times, branch manager told me that he will find out and will call me. He did not call, I went again, he said they shroud have send by now and he does not understand why they still did not send money is still there on some reserve ledger. Manager said they he send 5 emails with questions to proper department, No answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase credit card charged me a late fee in XX/XX/XXXX, saying I had to pay them by XX/XX/XXXX. I explained that my payments are well ahead of their required monthly schedule as I've paid XXXX payments in the last 6 months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. 
They said I had to pay in XXXX by the XXXX even though I'm well ahead of the required monthly payment schedule. 

Their practice is not fair, likely not legal and yet they get away with it. I want my money back, am going to pay off the account and close it. Chase is known for these unfair tactics. I wish they would be fined.
Product: Credit card

Chase Bank has a fraudulent credit card listed in my name. I have sent them several letters and a copy of my identity theft report from the police in my city. They are trying to hold me liable for this debt that I had no part in creating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry was not authoized by me.
Product: Credit card or prepaid card

My accounts started to act weird and every time I tried to explain to them that a charge that kept reoccurring wasnt mine and they would fix it for the time being and it would happen again the next month. Ever since then I havent been able to keep up with my payments because it keeps charging me for the reoccurring transaction and then comes a interest fee making it even harder.. Then shortly after all this happened, my card was stolen and my account was hacked. I tried to get on and change the password but every time I tried it kept saying error. On XX/XX/2021 was the first time I noticed my account was being hacked. The person tried to pay the account off and use it for their personal needs. The amount for that transaction on Capital One account : Payment : XX/XX/XXXX, XXXX {$2000.00} Returned Payment : XX/XX/XXXX, XXXX {$2000.00} Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Returned Payment : XX/XX/XXXX, XXXX {$1800.00} & {$120.00} Payment : XX/XX/XXXX, XXXX {$800.00} Returned Payment : XX/XX/XXXX, XXXX {$800.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX {$90.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Dispute - Inaccurate Personal Information on My Credit File Dear Sir/Madam , I am writing to formally dispute inaccurate personal information that I have identified on my credit report with your agency. My personal information was recently compromised in the massive XXXX XXXX XXXX breach that occurred in the United States, where XXXX XXXX consumers ' information was leaked and sold. Upon reviewing my credit report, I discovered several inaccuracies in the personal information section, including non-mailable addresses and names that do not belong to me. 

Additionally, upon checking the XXXX XXXX XXXX XXXX site, it was determined that my information was indeed leaked and sold. I have attached a screenshot from the site as evidence. 

Below is a list of the inaccurate personal information that I am disputing and requesting to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX To support my claim, I have also attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report. 
I am demanding that these inaccurate personal details be deleted from my credit report immediately. I further request that you notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the corrections have been made. 

Please treat this matter with the utmost urgency and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX Attachments : FTC Identity Theft Report, Screenshot from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 


( Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( EMPLOYER - XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the XXXX Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX account XXXX, XXXX XXXX Bank acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX XXXX XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account being reported by XXXX XXXX  which was opened on XX/XX/2022 with an original creditor as XXXX  in the amount of {$140.00}. I have had this fraudulent account removed several times. Experian is being negligent by reporting this account. I have never done business with XXXX. Experian has not done their part and I'm tired of Experian reporting accounts have not been verified properly or investigated properly. My attorney and I am prepared to file charges against Experian for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 9th time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! XXXX is reporting it so YOU NEED TO REPORT AS WELL! 

ACCOUNT XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX are reporting incorrect, erroneous, and misleading information on my credit report. They are each in clear violation of the fcra. I move for complete deletion of late payments and any account missing information which merits incorrect and unverifiable information.