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

AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . Original creditor : XXXX XXXX XXXX XXXX Contact info Name AFNI , INC . Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT. 

A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Debt collection

The bill is not my bill the water company came out to home and discovered water leakage tenants are not responsible for any water damage or leakages home owners are responsible
Product: Mortgage

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX has some accounts on my credt reports that are not mine.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

last month XX/XX/XXXX over 3000 $ came into my account i did not know this i found out by telephone at Citibank they told that money had come in and how much i asked why did you not tell me? it is my SS or Government money from XXXX where i worked over 50years they said nothing then to top it off they are closing your account? why do not know XX/XX/XXXX???????? i asked when will i get my check they told me on or about the XX/XX/XXXX, i waited nothing end of the week i called they the frud Dept told i needed to prove the money is mine? i have never seen that the money comes in the neame of the sender is with it since when do we have to prove the money is ours? ut is our account they again refused to answer as you must know you never get any mail from ss telling you your money has been sent to your account never yet they want proof i found what they needed paid XXXX dollars to send a slow mail to texas i called this week have not got the letter and if and when maybe i will get my money about the XX/XX/XXXX of the month i can not wait i have people to pay yet they will not answer yesterday i sent a fax and email with the papers they need the money should today have been mailed still no answr i need my money i worked hard to get retried i am XXXX this years why do i have to figh a bank for what is mine???
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : - XXXX XXXX XXXX  XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - US DEPT. OF EDUCATIONXXXX Acct # XXXX 15 U.S.C. 1681 Section 602A- 4 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A- 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We requested a home equity loan to assist us in refinancing 4 student loans for our son. The purpose and intent of our loan was made very clear to XXXX XXXX. XXXX XXXX changed many terms and conditions of the loan throughout the process without notification and we did not receive what we requested. XXXX XXXX admitted their error and claimed that they were unable to compensate us for the fees collected and decided to issue a check for {$1200.00}. The entire process was a nightmare, they admitted that as well and took accountability, however, we are less than satisfied. The fact they completely ignored the basis points they were paid on the transaction shows their greed and dishonesty.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made two transactions from Xoom XXXX Application which were cancelled the same day. No refund has been made since XX/XX/XXXX. Today 's date is XX/XX/2021 and still no refund has been made to my chase checking account. The two transactions are the following transactionsXXXX with the amount of {$160.00} USD and transaction XXXX of {$160.00} USD.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I attempted to contact Citizens bank using its website and received an error message. It seems that using this portal is the only way for a customer who does not use telephone to communicate with Citizens Bank. I am enclosing the message that I attempted to send to Citizens Bank using their website, but Citizens Bank website failed to accept my message.
Product: Checking or savings account

I am business banking customer who came in the XXXX XXXX branch to deposit ( Complaint id XXXX ) a Cashiers Check which was verified by the branch manager in XXXX XXXX XXXX XXXX XXXX placed an extended hold without advising me. When I called the Business Customer advocate was advised it is not policy but the managers discretion. So they verify funds and then placed an extended hold on the account. But then changed the story when I questioned things. This is the most XXXX thing I have experienced banking why XXXX. I believe the mangers actions were XXXX and XXXX motivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention fraudulent hard inquiries that have appeared on my TransUnion credit report. As a victim of identity theft, I kindly request the immediate removal of the following unauthorized inquiries : Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 Account Details : Creditor : XXXX XXXX XXXX Date : XX/XX/2022 These inquiries were made without my consent, knowledge, or involvement. I am deeply concerned about the impact they may have on my creditworthiness and overall financial well-being. I assure you that I have taken the necessary steps to address this issue promptly upon discovering the fraudulent activities. 

Allow me to present the following evidence and circumstances surrounding these fraudulent inquiries : 1.Lack of Notification : Despite being a vigilant consumer who regularly monitors their credit report, I regret to inform you that I did not receive any notifications or alerts regarding these unauthorized inquiries. The absence of such notifications has hindered my ability to identify and address these fraudulent activities in a timely manner.

2.Sophisticated Identity Theft Techniques : The perpetrators of this identity theft have employed sophisticated techniques to conceal their actions and bypass security measures. They may have used advanced hacking methods or acquired my personal information through data breaches, making it extremely challenging for me to detect the fraudulent inquiries. 

3.Legal Rights and Provisions : As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's regulations. According to the FCRA, consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Additionally, the FCRA mandates that credit reporting agencies investigate and correct any inaccuracies or fraudulent activities promptly. I firmly believe that the law is on my side in this matter. 

In light of the aforementioned circumstances and my rights as a consumer, I kindly request that the Consumer Financial Protection Bureau takes immediate action to delete these fraudulent hard inquiries from my TransUnion credit report. Removing these inquiries is crucial to restore the accuracy and integrity of my credit history, ensuring fair access to credit and financial opportunities. 

I have also simultaneously initiated the dispute process with TransUnion by submitting a formal dispute letter to them. However, I believe the involvement of the Consumer Financial Protection Bureau will expedite the resolution of this matter and ensure that justice is served. 

Please find enclosed copies of relevant documents, that may assist in your investigation. I am available and willing to provide any further information or clarification necessary to facilitate the resolution of this case. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your understanding and commitment to consumer protection. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm so disappointed! Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a derogatory credit mark from XXXX in XXXX XXXX. I called and filed a complaint and they said they would remove the derogatory mark. 

8 months later, its still on my credit. I called later, and now they cant find my account, even via SSN, Email, address, zip, nor any way to remove the credit derogatory mark from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from several monitoring agencies of fraudulent and unauthorized hard credit inquiries ( 4 so far ) in the span of 12 hours beginning XX/XX/XXXX in the evening and through XX/XX/XXXX in the morning. I took action to freeze my credit profile with all three bureaus then began to dispute the unauthorized inquiries that are dropping my credit score ( XXXX points overnight ). Experian doesn't allow inquiries to be disputed online per the message I received on their website while logged in to my portal. They say you have to call, but then are unable to be reached via the number provided. I tried many times and searched out several other customer service numbers for them to try over a few hours of my work day to reach someone. The IVR is impossible to navigate to a person and limited in it's ability to assist while also being the only option for assistance I have. It was unable to help me dispute an inquiry- same as the website, so I'm at a loss and victim of fraud and the monopoly of credit reporting agencies that offer poor customer service and inability to perform necessary tasks relating to maintaining a true and accurate credit report with timely resolution. I tried calling XXXX as well for the same issue- to dispute fraudulent and unauthorized inquiries- and was informed their systems were down and there was nothing they could do until the system was back up. They asked me to call back in 15 mins. That is unacceptable considering the existence of fraud requires timely resolution. These bureaus have a monopoly over consumers and through no say of ours we are owned by our credit and credit scores- therefore hostage to the bureaus who then offer no customer service whatsoever. THIS needs changed! It's unacceptable. If they were private companies in competitive industries, consumers would leave them and take their business elsewhere. They'd be forced to offer viable service or go out of business, but because they are a monopoly and consumers have no choice, we stay victim to their ways with no recourse and they skate by without any repercussions.
Product: Payday loan, title loan, or personal loan

There not working with XXXX anymore to link my account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX  is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>2024 2024
Product: Checking or savings account

It is ridiculous how little the government does to actually help taxpayers. One of the worst offenses to consumers is mergers and acquisitions. They so rarely help anyone but senior executives and shareholders. It is especially true that in bank mergers we never benefit. Are we getting some higher savings rate or better lending rates because banks have merged? No we lose local jobs and we get worse customer service. The perfect example M & Ts acquisition of peoples United. A disaster for customer service with no benefit to account holders. I know its too late to unwind it although you should but it should at least service a lesson that they should never be allowed
Product: Mortgage

XXXX/XXXX/XXXX I submitted a request for mortgage assistance to CitiMortgage to short sale my home. I started to receive correspondence from CitiMortgage appraising me of the status of the request. Correspondence indicated I was going to received an answer by XXXX XXXX, XXXX. On XXXX XXXX, XXXX I called CitiMortgage to get an update on my request. The mortgage assistance specialist handling my request, XXXX XXXX, does not answer her phone and her voice mail is full and I can not leave a message. I chatted with CitiMortgage and did n't get anywhere. Every time I call customer service ( I tried XXXX different numbers ), my call is automatically transfer to XXXX XXXX, and of course, she does not answer and I can not leave a message. CitiMortgage is being threatening to foreclose my mortgage since XXXX, and this is the XXXX time I ' m attempting a short sale. I have multiple offers but can not proceed until CitiMortgage approves it. The first time they drug their feet and it seems they are doing the same this time around. In the meanwhile, fees upon fees keep accumulating on my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights. 

15 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 instructionsI
Product: Credit card or prepaid card

Beginning with my XXXX Rewards Visa card statement with a due date of XX/XX/2019, a new line has been inserted with balance information. The first line is the new balance, which is self-explanatory. The new line is titled, " Interest Saving Balance, '' with wording underneath the line that says, " Pay to avoid interest on next statement 's purchases. '' I paid that amount and was charged interest. I called them and they reversed the charge. 

I find this extremely misleading. I assumed this balance was the difference between my XXXX charges ( which are interest-free for six months ) and my total balance.
Product: Debt collection

I was attempting to have a debt disputed on my recent credit report. I called the reporting debt collector ( Debt Recovery Solutions ) to find out what the debt was. The only information they would give me was that it was an ambulance company and it was a debt from 2011. There was indeed a ambulance ride in 2011 but it was covered by insurance. The bills were going to the wrong address according to the debt collector but they would not provide me with the name or phone number of the ambulance service. I asked to speak to a supervisor because I knew that they had to provide me this information by law. I was hung up on. I called back XXXX more times and I was hung up on. XXXX is disputing this for me but it could take up to 30 days. I am in the middle of securing loans for a new business. My credit score dropped from XXXX to XXXX the day this debt hit my credit report. ( Yesterday ) If I had the name of the ambulance service I could resubmit the insurance and have it taken care of. But Debt Recovery Solutions apparently want me to take care of the debt in order to collect their money. This is going to ruin any chances I have of securing the loans that I could have when my score was XXXX and did not show I have a delinquent account over 4 years old.
Product: Checking or savings account

I want to close my Current account. It has {$0.00} in it. They said that I can not transfer the money out because it's less than {$1.00}. They said if I want to close the account, I either need to spend the {$0.00} or just close it and forfeit the {$0.00}. This seems predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair Credit Reporting Act XXXX  AccounXXXX 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 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
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered that I have fallen victim to identity theft, as there are several credit inquiries that I do not recognize. Here are the inquiries I found : - XX/XX/XXXX : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX : XXXX - XX/XX/XXXXXXXX XXXX : XXXX I kindly request that thesefraudulent inquiries be removed from my credit report. I also attached my identity theft report as well. 
Thank you.