23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all inquiries that I did not and never authorized to run my credit, I have not asked for them to be run my credit and have no business with them. XXXX XXXX XXXX has a collection on my credit report and I have no business, nor have Fraudulent Collection Accounts : The following collection accounts have been inaccurately attributed to me and do not belong to me : XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} XXXX  XXXX Account Numbers : XXXX and XXXX Balances : {$810.00} and {$210.00} The CRAs failure to remove these unauthorized inquiries and fraudulent accounts, despite my disputes, constitutes a violation of the FCRA Legal Violations : Failure to Ensure Maximum Possible Accuracy ( FCRA, 15 U.S.C. 1681e ( b ) ) : The CRAs are obligated to maintain accurate information on consumer reports. Reporting unauthorized inquiries and fraudulent collection accounts is a direct violation of this requirement.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ( a ) ) : Ive asked numerous times to remove any address from my Credit report thats only has my ID and Bill addressed that has not been removed. Upon receiving my disputes, the CRAs were required to conduct a reasonable investigation into these items. Instead, they claimed the information was verified without providing supporting documentation or details of their investigation.

Unauthorized Inquiries ( FCRA, 15 U.S.C. 1681b ) : A credit inquiry must have a permissible purpose. The above-listed inquiries were made without my authorization, and the CRAs have failed to validate their legitimacy.

Impact on Me : These unauthorized inquiries and fraudulent collections have caused significant harm, including : A decline in my credit score.

Denied access to credit opportunities.

Reputational damage as a consumer. 
Emotional distress due to financial hardship.
Product: Mortgage

Our mortgage was sold to Rushmore by XXXX in XXXX, XXXX. We are victims of Hurricane Laura and suffered extensive damage to our home. We are making timely mortgage payments as we always have and we have never missed a payment nor have we ever been late making a payment. Rushmore Mortgage is refusing to release any funds from the insurance proceeds so that we can get our house repaired. We have submitted every document theyve asked for and to date, we still havent received anything from them. I called on Friday and was told that theyve decided to hold on to the funds until the home is 100 % complete. How is this possible? How is this fair? How is this even legal? They are holding almost {$60000.00} and refuse to send us any funds in an effort to get our home repaired. We are making mortgage payments, and having to pay over {$2000.00} a month for a one bedroom apartment because the house is still not repaired. We have had to get personal loans to get the home in a livable condition in an effort to move out of this expensive cramped apartment! Who regulates these mortgage companies? This is insanity at its best! This situation is like a nightmare that you cant wake up from! Please help us!!
Product: Money transfer, virtual currency, or money service

CashApp does not have Customer Service. They have no one you can actually speak to about scam, hacked accounts or unsending funds to wrong party
Product: Credit card or prepaid card

3 months in a row, I mail payment 1st week of month, 3 day postal trip to XXXX XXXX payment center, them my payment just sits there for weeks before being applied to account.

Company consistently blames USPS for poor service. Co. says that they would NEVER delay payment just so that they can charge fees and deny credit availability at Christmas. But that is EXACTLY what they are doing.
Product: Checking or savings account

On Friday, XX/XX/XXXX My phone and wallet were stolen from me in a set up. These pellle were able to get my phone password after stealing the phone. They immediately went to and changed my XXXX XXXX and other information to lock me out of my account. Once they have my wallet and all my cards they illegally gained access to 4 banks ( chime being one ) and initiated transfers out of chime to cash app and XXXX XXXX from contacts oh my phone who agreed to send me.money for a false emergency for going to hospital. Ive head friends who sent & XXXX just based on texting me ( who it wasnt ) this went on for about XXXX hours. It took me a while to figure out what they were doing and I had to get in contact with XXXX and then XXXX and had the phone turned off the following day so they had the phone less than XXXX hours. during this timeframe they illegally got into my chime bank account moved funds around and cleaned out everything over {$6500.00} was taken from my Chime account both with cash app transactions and I believe they also purchase things at stores like XXXX and XXXX. The same fraudsters then did that with my three other accounts, all the same time all cleaning out every XXXX, I had. I have reported this to the police Ive reported this to Chime. I have reported this to XXXX XXXX. Ive reported it to XXXX and Im now reporting it here because this is a crime syndicate that is operating in targeting people and perhaps drugging people at bars to get the patron to not know whats going on, and this is financial XXXX. I need XXXX to do the right thing and work with me and work with the local law-enforcement to see that this is not an authorized charge and I should not be responsible fraudulent charges. I clearly wasnt with the people when this happened. I also have police reports I had to go out and pay full price or were {$1000.00} for a new phone and I lost over {$10000.00} myself between all my accounts and had family members and friends lose {$3000.00} and money that they sent thinking that I was in trouble and going into a hospital and need money because these hoodlums actually message people asking the money he sent to this phone Chime is a very good company. Im not angry at Chime, but I need to get this done and expeditious manner. I dont have any income. All of my money has been taken in frozen and Chime is telling me it could take up to 90 days for their investigation I dont have 90 days to wait when all of my money was stolen from me please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX and I requested a credit line increase 0n XXXX, I was shocked when they denied me because I have excellent credit. I waited for denial letter which states they received report from transunion. All of the information is wrong I immediately called transunion, transunion rep told me XXXX has not checked my credit and that my last inquiry was in XXXX and not from XXXX XXXX. Transunion told me to call them when I called they are denying it and claim they got information from transunion. Not sure where XXXX XXXX received their information from because I have no inquiries on my Transunion report from them. The information they are providing me is completely wrong, I have NO outstanding balances on any of my credit cards, my credit rating Is exceptional and very good.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

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 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 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 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to file a new complaint against Citibank regarding the {$29000.00} that I transferred to my XXXX  XXXX XXXX 's Citibank checking account in XX/XX/XXXX. Despite our efforts to resolve this issue directly with Citibank and through a previous complaint filed by my XXXXr ( Case # XXXX ), the matter remains unresolved. 

Summary of the Issue : In XX/XX/XXXX, I initiated XXXX transfers from my XXXX Savings account to my XXXX XXXX Citibank checking account : {$25000.00} on XX/XX/XXXX, and {$4900.00} on XX/XX/XXXX, totaling {$29000.00}. In XX/XX/XXXX, Citibank notified my XXXX that they would close her checking account within 60 days from XX/XX/XXXX. On XX/XX/XXXX, my XXXX contacted Citibank and was informed that all the funds ( {$36000.00} ) in her closed account were held by Citibank 's security department. 
My XXXX filed a complaint with the CFPB ( Case # XXXX ) and the XXXX ( XXXX # XXXX ). In response, Citibank issued a refund check of {$6100.00} to my XXXX  for the funds she had transferred from her own accounts, which she received on XX/XX/XXXX. However, Citibank declined to issue me a refund check for the {$29000.00} I had transferred, despite the evidence provided in the filed cases. Citibank stated that I would need to contact my bank ( XXXX ) and have them send a Hold Harmless to Citibank for them to review if the funds can be released back to me. 

Efforts to Resolve the Issue : As per Citibank 's suggestion, I visited a local XXXX Bank branch ( XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ) on XX/XX/XXXX. The bank XXXX, XXXX XXXX, assisted me in contacting XXXX 's XXXX XXXX Department ( XXXX ). However, XXXX later confirmed that their bank is unable to provide a Hold Harmless in this situation. XXXX explained that a Hold Harmless typically only applies to wire transfers that involved fraud per the agreements between banks. The XXXX representative stated that since I confirmed the transfers were made by me to my XXXX, they were not fraud and therefore XXXX could not provide a Hold Harmless. 
I wrote to Citibank on XX/XX/XXXX reporting that XXXX could not provide a Hold Harmless. I requested Citibank to provide alternative approaches to return the funds to me. However, they didnt respond to my request at all. Instead, they sent a response to my XXXX  XXXX XXXX on XX/XX/XXXX. In their response, Citibank insisted that the third-party ( me in this case ) will need to work directly with their financial institution to request the funds be returned. While I respect Citibanks procedures of handling interinstitutional channels of communication, I found their failure to get back to me directly problematic. They acknowledged that they have received my communication, thus they should be aware their proposed solution ( getting a Hold Harmless from XXXX ) was not practical given XXXX policy. They should come up with alternative ways to return the funds to me instead of writing to my XXXXr concluding with this final letter, we consider the issue resolved. We will no longer respond to inquiries regarding this matter.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Failed to completely investigate all of my disputes in a proper manner.
Product: Mortgage

We have a subprime loan ( First 10 yr Interest only ARM, then 20yr Principal, Interest, Escrow & ARM ) with American Servicing Company aka ASC, a subsidiary of Wells Fargo. It was originated with XXXX and sold to ASC in XXXX. We are seeking assistance to get ASC Well Fargo to agree to accept the release of the second lien holder letter with XXXX XXXX XXXX under the HAFA Short Sale agreement. We also would like Wells Fargo ASC and XXXX XXXX XXXX to provide a closing extension to end of XX/XX/XXXX with current buyer based on current short sale approvals. 

XXXX has agreed with my husband and I to a workout agreement as stated in the letter but has stated that they ca n't waive the deficiency. Wells Fargo is stating according to HAFA that the second lien holder which is XXXX XXXX XXXX has to waive deficiency also and state it in the letter. This has caused a delay in closing and possible restart of short sale process. Now because of the verbiage not to waive deficiency in letter with XXXX XXXX XXXX, we are being forced to file with Wells Fargo ( ASC ) as a traditional short sale, lose our home affordable consumer rights and relocation assistance. I spoke with a counselor from HAFA who indicated that the first lien holder which in this case is Wells Fargo ASC is required to waive deficiency because they filed the paperwork with HAFA. The counselor indicated that subordinate lien holders were n't necessarily required to waive deficiency, it was optional. 

We are underwater in our home value and behind our mortgage payments with Wells Fargo ASC since XX/XX/XXXX. I 've been under tremendous stress in dealing with Wells Fargo ASC. And all the back and forth between both lenders. I have small children and I 'm a XXXX patient with XXXX when under stressful situations like this. Recently we became caregivers for my mother who just had XXXX. 

We 've been in our home for 10 years and was denied by Wells Fargo ASC loan modification to put the first mortgage into a low fix rate. We did n't qualify for a HAMP because a private equity investor backs our mortgage through Wells Fargo ASC. During the loan modification as with the short sale process, I fell extreme duress because ASC home preservation department padded my file requesting incessant information regarding detail copies of our trust and life estate, having us to sign official forms stating that we live in the home, our mailing address is a postal box, constantly questioning my husband 's income and potential earnings and having us sign off. We ca n't afford to pay the balloon mortgage payments that increased our payments to {$2200.00} with ARM ( {$2400.00} because of ARM in XX/XX/XXXX ). We would like some relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX, XXXX companies ran my credit and obtained my social without my knowledge or permission. I would like this to be removed from all three major credit bureas and would like for someone to be held accountable for my private information floating around without my knowledge. 


List of companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XX/XX/XXXX, I was coming from campus at the university XXXX, XXXX campus. On public transportation and was victimized by a pick picketer. This incident was reported to law enforcement and reported to all XXXX bureaus, Equifax has allowed a massive drop in my score, allowing verizon after two years of the account meeting FCRA requirements, as fraud delclaration. this is unacceptable.. i have spent all of XX/XX/XXXX and XX/XX/XXXX paying off debt, and has no more negative accounts any longer. please assist in this matter.Equifax has now filed their 4th dispute to be on hold another 30, days. 
respectfully XXXX XXXX XXXX XXXX ph XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed that TransUnion has nonmailable addresses on my report. The following addresses need to be removed from my consumer report : Non-mailable Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, DE XXXX Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given TransUnion written and unwritten, verbal and non-verbal.
Product: Debt collection

I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting debt from XXXX XXXX XXXX, who is not licensed in the state of Illinois to collect any debt.
Product: Payday loan, title loan, or personal loan

I had an account with XXXX I paid this account off. I have called and they said I dont owe anything. Now Direct Recovery Services is calling saying I owe them money. They bout my debt. I dont have any. 


They are very rude and saying they are going to take me to court and sue me
Product: Debt collection

XXXX XXXX XXXX CALLED ME AND THREATENED ME WITH LEGAL ACTION AND REFUSED TO ANSWER QUESTIONS OVER THE PHONE
Product: Credit card

Discover claims they started a review in XXXX. They also claim they closed my acct. Yet they have XXXX XXXX  of my money and I want it back plus interest. I also thank you for having my back so well. Tbis is XXXX XXXX for XXXX XXXX XXXX. You're all reall patriots and good hearted people...
Product: Mortgage

My family had experienced a hardship. My fiance became XXXX and shortly after I had lost my job. I proactively reached out to the bank because just in case I ran into any trouble paying my loan. The bank was XXXX. XXXX placed me on a forbearance plan. I did not know that this would impact my credit. They asked me to complete paperwork for a loan modification -but before it was finalized sold my loan to XXXX XXXX . XXXX had modified my loan but sold it to XXXX XXXX. XXXX XXXX would not honor the modification and told me it was done wrong. XXXX XXXX changed the modification and increased it by an additional {$500.00} and sold my loan to FCI Lenders, LLC -/XXXX . They sent me a letter informing me that I was late on my payments. I was never late on my modifications ever and decided to discontinue my escrow account asking me to pay the principle only for XX/XX/2016 and XX/XX/2016 - the representatives name was XXXX XXXX ( XXXX ) XXXX. I explained to XXXX that my loan should be in good standing and that they can not change the terms of my loan. I also provided him with a tax bill - Anthonly informed me that FCI Lenders was sitting or holding over {$8000.00} in an account when they discontinue my escrow. I forwarded the tax bill and they have not paid it yet. I was then transfered to XXXX XXXX ( XXXX ) XXXX, I asked them to honor my loan modification and XXXX is telling me that my house is upside down and I should find another lender to give me a loan. XXXX informed me that they will take {$230000.00} for my loan. I forwarded all the bank statements showing them I have not defaulted on any payments. They will not continue my escrow and do not honor my loan modification. Why are we asked to complete all these forms and the government has a program and the banks sell your loan and then put the responsibility to show payment on the borrower and want to remodify my loan or get a new loan. Help me please - I can be reached at XXXX my name is XXXX XXXX.
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, MN XXXX Subject : Debt Verification Request Due to Equifax Data Breach To Whom It May Concern '' I am writing to formally request verification of the debt referenced in your recent communication Account Number : XXXX As a victim of the breach, my personal information, including Social Security number, was compromised. I request that you provide the following information to verify this debt : 1. The original creditors name and contact information.

2. The specific amount of the debt and a breakdown of charges.

3. A detailed record of how this debt was incurred. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt, and I ask that you provide the necessary documentation before any further action is taken. 

If this debt is indeed a result of fraud, I will also be reporting the incident to the appropriate authorities and will seek resolution through fraud protection channels. 
Please respond to this request at your earliest convenience. You can contact me at email address- XXXX Sincerely, XXXX XXXX