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

Currently in federal litigation with XXXXWORLD OMNI FINANCIAL. Consumer reporting agency transferred me over 5 times after they saw the lawsuit. Company didn't honor cease and desist, company didn't validate information, federal lawsuit was done when inaccurate information was posted to my consumer report without permission.
Product: Credit card

I discovered that credit returned on my credit card for the total of {$2100.00}, XXXX had disappeared so I contacted Bank of America and they said my money had been sent to unclaimed credit. I spoke with XXXX or XXXX in the unclaimed credit department on XX/XX/XXXX who put in a request to send me a cheque with my remaining credit balance. They said that it would take 8-10 weeks to receive my cheque in the mail. On XX/XX/XXXX I received a letter in the mail here in XXXX, XXXX requesting to sign for release of my funds. I signed it and sent it to the Bank Of America headquarters. I then spoke with Bank of America on the phone about this and they stated that they would now proceed with my request to release my funds to me. After just over 10 weeks on XX/XX/XXXX I requested a call back from Bank of America to determine an update on the release of my funds. They had not even processed the release or sent me my cheque. The customer care representative XXXX put in a request to expedite my request. On XX/XX/XXXX after I received an email requesting to update my address ( that they already had on file from when they sent me the release of funds letter ) I called again for another follow up and spoke with XXXX who informed me that my cheque had still not been sent and that he would send me another letter to sign for permission to release my funds. He told me that there could be an issue with my foreign address, but yet I have been trying to get my own money from Bank of America for over 3 months now and it seems as if no one has even worked on my case. I would now like this matter to be taken further. The customer care representatives have been wonderful to deal with over the phone. I do not believe that the incompetence is on their behalf. I believe it comes from the head office.
Product: Credit reporting or other personal consumer reports

Inquiry details
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Not one single inquiry is mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Mortgage

I am trying to get a payoff statement from the company with the daily per diem and wiring instructions because I have secured another loan to pay off the company due to historical issues with Citizen 's not sending me statements. I have inquired several times to get statements and even filled out the proper paper work. Citizen 's is claiming that the issue is with my address. The property is at XXXX XXXX XXXX XXXX. There paper work states street -  they say when they call the tax office to have it corrected, the tax office confirms it is street.  Not true at all - I called the tax office myself and they advise it is XXXX XXXX and has always been XXXX XXXX. I believe they are purposely withholding information from me in order to charge me late fees. After securing the other loan, I have spent the past 2 weeks attempting to get a pay off letter sent to me without success. Every time I call the wait time is in excess of 10 minutes and then they put me on hold and do not come back to answer the phone. I believe this behavior is retaliatory in nature. All I want is a pay off letter from this company so I can pay them off and stop accruing late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim XXXX and XXXX ( not my account ) XXXX { not my account } XXXX bank XXXX XXXX XXXX ( not my account }
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to order my free annual credit report from Equifax. I had to make a few attempts because the website did not seem to be working correctly but I finally did make it to the validation page where there were 5 question that were not relevant to any business conducted by me, so I answered " none of the above '' to all 5 questions because that was the correct response. Upon submission, a web page displayed which informed me I would have to order the report by mail and provide certain documentation. I have ordered the report via mail and am waiting for it to arrive. This is not the first time this has happened with Equifax and it has never happened with XXXX or XXXX XXXX, which is why I decided to initiate this complaint. It seems to me that Equifax just tries to avoid providing a free report by making it cumbersome for the consumer. It even involves a postage expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Consumer Loan

car was total ins co sent ck over. Bank needs to process gap ins claim, also XXXX needs to be refunded to me on ext warranty that was cancel.. 

2. XXXX needs to be refunded as my tax return was not process tax act. 

3 XXXX XXXX refunds are to refunded from XXXX as they were return and was informed not to hip any more product. 

the last time i heard from bank was early XXXX, the above needs to be credit to my act.
Product: Checking or savings account

On Friday, XX/XX/XXXX, I found my consumer banking accounts with JP Morgan Chase to be restricted, preventing payment of bills, including utilities, and leaving me without money or an explanation as to the reason for the account restriction. I called and waited on the phone for about an hour and very little information was provided. I have more than $ XXXX combined in those accounts, and have not been given any certainty on when I will receive my funds. 

I went to two branches and both branch managers were not helpful ; also, a gentleman named XXXX, JP Morgan Chase branch manager in XXXX XXXX, MI ( XXXX XXXX  and XXXX XXXX ), was extremely rude, violating my privacy by approaching me in a crowded lobby to explain details of my personal matter. Other customers were able to hear and even stare at me as those person details were being uttered. Extremely unprofessional. But this is not a customer service complaint. Its a complaint about Chase stealing my money temporarily and then closing my account and saying nothing other than they have a right to do so. After > three years holding multiple accounts ; all of my work-related direct deposits have been with Chase for nearly 3 years. 

The only thing the branches could tell me is that I may need to wait as long as 10 business days to receive the check, and that it would be sent as an overnight delivery. But it could be well into XXXX before I may receive MY money. Crooks. Thieves. 

I'm not sure who or what algorithm resulted in this crime, but this should not be allowed. If you're going to freeze someone's life savings, at least provide notice. Just because you feel you have the right does not make it appropriate to leave someone without money to live on. This is a crime. A crime. A crime. 

First, I demand accountability. I'd like MY money AND an apology. Regardless of their reasoning for not wanting to maintain a banking relationship with me, HOW they end banking relationships is was wrong. 

I earn money from the same employer for two consecutive years, and they've frozen the money of a person working for a living, trying to get by, and preparing to XXXX XXXX XXXX XXXX  in the Spring of XXXX, who was trying to building up savings.
Product: Mortgage

In XXXX XXXX, XXXX XXXX ( " XXXX '' ) suffered a financial hardship and in XXXX XXXX XXXX hired the XXXX XXXX XXXX to assist him in his foreclosure defense. In the midst of a modification request, loan was service transferred from XXXX XXXX to Selene Finance LP ( " Selene '' ) and after a couple of month, XXXX was advised that the transfer was a mistake and XXXX XXXX was still the servicer. Updated documents were sent to XXXX XXXX and a three months Trial Modification was granted in XXXX XXXX. The first payment was received by XXXX XXXX on XXXX XXXX, XXXX. At the end of XXXX, XXXX XXXX Selene was their new servicer and future payments were to go to Selene. Although XXXX was making his mortgage payments every month, Selene did not process the permanent modification until XXXX XXXX. XXXX went out of business in XXXX XXXX and the XXXX ( " XXXX '' ) took over the law office. XXXX has been making payments each an every month since the trial modification but by letter dated XXXX XXXX, XXXX, Selene advised him that he was 35 days in default and foreclosing proceeding may commence unless they bring the loan current. On XXXX XXXX, XXXX Selene called the new office of XXXX to verify if our firm still represented XXXX and was informed that a Withdrawal of Attorney was faxed to Selene as soon as the permanent modification went into effect in XXXX of XXXX. On XXXX XXXX, XXXX Selene advised XXXX XXXX via telephone in a conference call with XXXX the that the escrow payments were raised in XXXX XXXX and a payment was being held in suspense until full payment on the escrow arrears is made. When told to Selene that XXXX was not made aware that the escrow increased as they have not been receiving the mortgage statements, Selene stated that the statements were being mailed to XXXX and they were being returned as undeliverable. XXXX requested a copy of the undeliverable correspondence as XXXX still receives the mail at the prior address and when informed that Selene has the updated address and phone number ( since they called our firm ), Selene response was to send additional default letters to XXXX. As XXXX can not afford to make the arrears and a full mortgage payment, we requested from Selene that they allow XXXX to add a little more to each mortgage payments until the arrears are current but Selene stated that an entire payment toward the arrears need to be made in addition to the monthly payment in order to stop all foreclosure proceedings. If in fact, Selene has been mailing the mortgage statements, it took them 6 months to communicate with XXXX and as the escrow got raised in the amount of {$200.00} per month, XXXX owes {$1000.00} in arrears, which he can not afford to make in one payment. Although copies of the alleged returned mortgage statements were requested, Selene has not forwarded even one of them and is now sending all correspondence to XXXX but not any mortgage statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion a few weeks ago and tried to get unauthorized inquiries removed from my credit report and the customer serviced agent was not very helpful at all. There are a total of 17.
Product: Money transfer, virtual currency, or money service

Transferred {$500.00} to Coinbase and the funds were taken from my bank account. Coinbase is refusing to allow me access to the funds and it has been three years. Coinbase is claiming that they have reversed the funds to my bank. I have evidence that the funds were never returned to my bank, but Coinbase refuses to view the evidence. I now have to take them to court to even get a reply from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my credit reports reflects a late payment with my auto loan through JPMORGAN Auto/XXXX XXXX XXXX. I have contacted Chase Auto, Chase Auto provided a letter stating there are " no late payments reflecting on any credit buearus. '' I have provided XXXX  with this letter to dispute/resolve- to no avail, my report still reflects a delinquent payment. What further steps do I need to take? I can provide supporting documentation as well as the contact number for the research specialist assisting in this very important matter. Thank you for your time and assistance regarding this very sensitive matter, Respectfully, XXXX XXXX XXXX
Product: Debt collection

I was the victim of a scheme where I was hired as a personal assistant and unknown to me, I was given fraudulent checks in XX/XX/2020. Citizens Bank cashed and accepted these checks without verifying the checks. When Citizens Bank did finally realize these checks were indeed fraudulent it was the end of XXXX/first-second week of XXXX. 
The bank did not notify me that the checks were fraudulent. I simply checked my account and saw a negative balance. 
I went to the Police Department in my town and my local bank branch. I have receipts, tasks, emails, texts messages showing that I do not have the money shown. 
Citizens Bank refuses to address this issue with me and close my account. They denied me access to the account, but took my federal tax refund. They refuse to file a claim and refuse to work with me in anyway to resolve this issue. 
I have not been contacted by their legal counsel or fraud department. After many phone calls to Citizens Bank, now XXXX, no resolution, and my amended refund is about to be seized by Citizens Bank, even though they will not allow me access to the account. 
I was unable to update my account information on my amended tax return this resulting in the refund to go into this account. 
I called Citizens Bank immediately just to receive 5 different answers on whether or not this refund will be seized. I expressed that during this time of pandemic and emergency and being out of work that I need this money and these tactics are unethical.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to provide me my personal credit score and credit report after numerous attempts to obtain it through TransUnion. Although I have not been allowed access through TransUnion this company has given access to other companies who have requested my report and credit score information while denying me access to my own information. I have been denied my lawfully rights to access and obtain my personal data. TransUnion has used discrimination practices to unlawfully deny consumers like myself access while reporting inaccurate scores to companies and businesses that requested access causing denial of credit cards and other financial services and lines of credit
Product: Debt collection

I am writing to you with extreme frustration and urgency regarding the fraudulent accounts that persist on my credit report. It has come to my attention that despite previous disputes and my repeated demands, these fraudulent accounts continue to tarnish my financial reputation. This blatant disregard for my rights as a consumer is completely unacceptable and demands immediate action. 
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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  acquired my mortgage from XXXX. In 15 years I have not missed a single payment. As a matter of fact, I don't have any missed payments at all, on any of my accounts. In an effort to fraudulently obtain late fees, XXXX XXXX stopped withdrawing my automatically setup monthly mortgage payments while their portal still showed that payments will be coming out. Company claimed that the last payment was supposed to be mailed in, however they also sent me letters stating that I still owed them " installments '' ( plural ) ( please see attached letters ). Therefore, they used confusing and erroneous records online and in writing to damage my credit report and more importantly to generate late fees. It is a clear UDAAP violation. So on XX/XX/XXXX they sent a letter stating that I was behind on 2 installments while on XX/XX/XXXX they sent me a payoff letter where amount is less than 1 installment. They are clearly trying to defraud me while potentially violating FDCPA ( Federal Debt Collections Practices Act ). 

When I tried to complain and resolve this matter, multiple people hung up on me. It's clear that the company does not have a valid, traceable complaint management process. I finally, after spending many hours, reached their General Counsel. Instead of addressing the issue, I received a call from another contact service agent who refused to fix the problem. However, in 2 weeks I received additional letters stating that they are reviewing my concerns. That's clearly false since the agent said that nothing further will be done. This company is clearly intent on hiding behind many many letters to avoid following the law. 

I demand that my credit report be fixed to report that I have never been past due and that my account was in good standing. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX  Card XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Bureau last XX/XX/XXXX, and still nothing from them. The inaccurate accounts are constantly reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}
Product: Mortgage

Me and my XXXX  had a mortgage loan from Wells Fargo from XXXX till XXXX I believe, We moved from our previous address, I paid my loan every month now I'm wondering if I miss out on the Wells Fargo lawsuit where they agree to paid back to consumers for illegal activity,. 
Any help will be appreciate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. SYXXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft )