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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Checking or savings account

I received an email a few months ago that stated the account could not be open without further identification process from Bank of America. Upon calling them I learned that there was two checking accounts opened in my name with my Social Security that I was not aware about. I asked for documentation proving how this was opened in my name with my social, and what ID was used to use this. They could not provide any information besides telling me that the account would be closed due to identity fraud. I asked for documentations to be sent to my address so I can view everything and nothing was ever sent to me. I do not know if these accounts are still open or how they manage to open them without my consent, but still had my Social Security on file I have never banked with Bank of America. Ive had the same bank account for 16 years with XXXX so I am completely lost how they even had my information. After learning of this account, I called XXXX and they were able to put a credit lock on my name for a year, which I believe has expired.
Product: Checking or savings account

Between XXXX and XXXX I was charged multiple overdraft fees through navy federal
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.
Product: Debt collection

Hey, so long story short. I got a bill from XXXX. I've never owned a XXXX account, I've always used verizon wireless XXXX They told me to make a police report, which I did ( XX/XX/23 ) I'm in the process of submitting my police report for identity fraud and get this sorted out. I'm writing because the letter I received said, I have till XX/XX/23 to dispute it. I need another week or so, cause the police department is really slow at getting me my case file.
Product: Credit reporting or other personal consumer reports

I not liable and should not be held liable in any form for this debt with I do not have a contract with They did not provide original contract as I have requested from them. 



Immediately correction ti my credit report. I personally DEMAND IT TO BE REMOVED
Product: Credit card or prepaid card

I was buy some medical in an pharmacy named " XXXX XXXX '' with my BOA credit card in XX/XX/2020, but I was charged twice! I submit an ticket to dispute the charge but danaid by BOA. I should only be charged {$160.00}, but I charge twice!
Product: Mortgage

I had my home mortgage sold to Ally and am in the process of refinancing. They refuse to issue a pay off statement to the new lender because they claim that they had to purchase lender homeowners insurance. I have provided them 3 times with my Declarations page showing that they are the named insured and that I have paid the insurance in full. When I call the recording says that my account is uninsured. When I get to customer service they show that they have the information of my insurance but they have been unable to verify coverage by calling the number on the policy because they can not get a person on the phone. I have provided them with my insurance agent 's name, work phone, cell phone and email address but they only put it in their system as information for their insurance department, but will not transfer me to the insurance department to speak with someone. They actually gave me a wrong number to call to get me off the phone. I called back twice and spoke with two different people to put me in touch with a supervisor. Both time, after being on hold for over 20 minutes, I was told there was no one available and that I would receive a cal back in 2-4 hours. I have never received a call. I have spent over 2 hours on the phone to try and resolve this and get the cost of the insurance they are charging me for removed and to release my pay off statement. They are holding me captive and not allowing me to close my loan and give it to someone else.
Product: Checking or savings account

I opened two new accounts with a {$600.00} member bonus promotion code. Both of my accounts were closed without notice via mail, without notice via email and without notice via telephone although all my information is on file. Also, I did not request my bank accounts be closed. I contacted the bank after receiving a check for {$1000.00}, and they stated my accounts were closed because my {$15000.00} check deposit didn't clear. My XXXX XXXXXXXX verified that check did clear and Chase received those funds on XX/XX/2023. In addition, I had a bi-weekly payroll deposit direct deposited to the checking account. My accounts were reopened XX/XX/2023 with my {$600.00} member bonus promotion " pending ''. However, I still have not received the {$15000.00} I deposited into my savings account that the bank stated they mailed to my home address as a cashier 's check. Those funds should have been put back into the Chase savings account immediately. I want my money now as they have it interest free since XX/XX/2023 and I have yet to receive the cashier 's check they supposedly mailed about XX/XX/2023. It looking like they have stolen my money! Futhermore, I want to make sure I receive that {$600.00} member bonus promotion code, as I completed all the requirements.
Product: Checking or savings account

XXXX CASE SUBJECT : Bethpage credit union CASE DESCRIPTION : On XX/XX/year> at around XXXX to XXXX XXXX  I made a deposit at Bethpage 's credit union in XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX there atm deposited XXXX. In cash/promissory notes and they did not provide my account the credit on that day .on XX/XX/year> a dispute was filed under Dispute claim XXXX XX/XX/year> the gave a previsional credit to my account in the amount of {$750.00} however the XXXX was not credited even though the atm deposited it along with the {$750.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/ 2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, DPTEDXXXX XXXX XXXXXXXX, # XXXX, XXXX ( original Creditor XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX original Creditor : XXXX XXXX XXXXXXXX, Original Creditor # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm filing a complaint about TransUnion 's continued reporting of inaccurate information on my credit report related to XXXXXXXX XXXX  Despite multiple disputes regarding this account ( Account Number : XXXX ), no steps have been taken to correct or remove the errors. These inaccuracies are severely impacting my credit score and misleading potential lenders. I've made numerous efforts to resolve this by contacting both TransUnion and XXXXXXXX XXXX but the issue remains unaddressed. The ongoing failure to correct these errors is causing financial harm, making it difficult for me to obtain loans and credit. The stress from dealing with these reporting mistakes is also taking a serious emotional toll.
Product: Payday loan, title loan, personal loan, or advance loan

I received my business loan through chime and they closed my account because they said they couldnt verify where my money was going. Although I stated I was paying my employees through XXXX XXXX transactions
Product: Student loan

I received the discharge of a significant portion of my student loans due to close school discharge. I was attending the university XXXX XXXX XXXX XXXX. They automatically applied the discharge amount to other loans I had versus sending me a full reimbursement check. Instead of over XXXX being received I only was supposed to receive now only {$1400.00} which they sent to the wrong address after I updated my address with them.. I requested for the check to be re-issued it has not to this date. It has been over six months since I asked for the check to be re-issued but ultimately, I still have it issued with them automatically applying that discharge amount to other loans without my consent. I feel I shouldve received the full discharge amount back and had my choice about how much was going to be applied towards other loans.
Product: Debt collection

I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently discovered that there is unauthorized information in my name being used on my credit report. I do not know where these inquiries came from all on the same date. I have a security lock on my credit report and I was not alerted to this information being authorized. I am requesting that these be deleted from my credit report. I have reported this information to the federal trade commission, I will attached a copy of this report reflecting all items that were found to be unauthorized. Please open up and investigate this matter and remove the unauthorized items as soon as possible.
Product: Money transfer, virtual currency, or money service

I had 2 fraudulent charges from cash app that got denied.
Product: Mortgage

I have been working with Amerisave since XX/XX/XXXX on a VA Refinance cash out. They sent me a closing disclosure at the end of XXXX indicating that I needed to review before they could close. No movement on the loan occurred I contacted them and asked to speak with a Manager. They tell me they are waiting for underwriting. I contact them again in XXXX because they did a credit check and told me I had to review another closing disclosure. When I asked about the status. They tell me there has been no movement on the loan and they are still waiting on an underwriter. It is now XX/XX/XXXX. I have paid for an appraisal and termite inspection all with no movement on the loan but they keep checking my credit and my score is reduced each time. This reduces my options with getting a loan from another lender because they keep checking my credit with a hard inquiry but no movement. Also part of there process I was required to change my insurance over to them but they havent even given me a loan. I feel they are very deceptive in there lending practice. I am asking for assistance from this office
Product: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXXXXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DEPT OF ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance XXXX {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX  XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On experian credit report theirs is one negative item account ending in XXXX 60 days late experian credit supposed to remove the negative account in 24 hours I have a federal trade commission identity theft report on file please have experian remove the account right away social security number is XXXX
Product: Money transfer, virtual currency, or money service

I would report all unauthorized transactions and they simply closed all my accounts and didnt not return funds nor give me a chance to get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently, I contacted the company and company refused to remove this from my account and it is still trying to hold me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, Amount XXXX, This account was opened fraudulently.I contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, Amount XXXX,. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still holding me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently, I contacted the company and company refused to remove this from my account and is still trying to hold me responsible, XXXX XXXX, account number XXXX, date opened XX/XX/XXXX, amount XXXX,. This account was opened fraudulently. I contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX account number XXXX, date opened XX/XX/XXXX, amount XXXX. This account was opened fraudulently. I contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Checking or savings account

On ~ XX/XX/XXXX Chase bank informed me that my business account was closed. It was literally XXXX days after I deposited client insurance checks exceeding XXXX dollars. 

Chase then informed me in person at the branch that a credit issue on my report needed to be resolved - ( outstanding debt of XXXX ). This was resolved and my account was closed in total. I was told that the XXXX would be returned to me on XX/XX/XXXX Upon calling multiple times, I have been told pieces as to what precipitated the closure, E.g - Outstanding credit card balance on personal credit report - Client checks deposited could not be verified - Client contacted did not verify - Client did not understand CHASE representative At this point, 1 of the 2 checks have cleared the client and has been funded, but chase refuses to release the funds. Chase claims since they were deposited together, they are holding the main check until the minor check clears They are holding the minor check until they reach BOTH clients ( man and wife ). 

I have spoken to both, but CHASE does NOT have a case manager on this and I must initiate the call on two parties during their work hours. 

In the meantime, my XXXX XXXX has opened another account in with the help of relatives, and continues to meet client needs. 

However, I have suffered significant damage to my reputation, and have NOT received the XXXX already cleared. 

The entire closure was due to CHASE, and their system that does not take into account language barriers that drove the miscommunication. 

I NEED my funds ASAP
Product: Vehicle loan or lease

I had a vehicle loan with XXXX XXXXXXXX XXXX. My payments were set up on automatic draft to be taken out of my bank account each month. The last payment that they took out via auto draft was on XX/XX/XXXX. They stopped taking the payments even though there was sufficient funds in my account to cover them. They never called me or sent me any correspondence to alert me that the payments had been missed. They just sent my account to collections. I was not aware that they payments had not been taken out of my bank account until the debt collector, XXXX XXXX contacted me. The debt collector stated that they had been trying to contact me via phone, but the number they provided, XXXX, is not my phone number. I paid the XXXX months that was late and the upcoming payment that was due on XX/XX/XXXX. This made my account current. I thought everything was fine and the payments would go back to auto pay, but they did not. The debt collector XXXX XXXX transferred my account to a different debt collector, SF-ALP , LLC. I never received any phone calls or correspondence that the account had been transferred or that the payments were not being taken out of my bank account until a received a letter from SF-ALP , LLC about a year later. I went in to my XXXX XXXX XXXX local office and someone assisted me in filing a dispute to XXXX XXXX XXXX. There was not a response back from the dispute. I started searching for attorneys. My car ended up getting repossessed. On XX/XX/XXXX, I sent SF-ALP , LLC a wire transfer for the total amount due plus all of the fees including the repossession fees. I got my vehicle back. However, I have still not received the title and the lien has not been released. I have called the debt collector, SF-ALP , LLC multiple times requesting a lien release and the title to the vehicle. They initially told me it would be 30 to 45 days before I would receive the lien release and title. However, it has been about 60 days and I still have not received it. 

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

Equifax security breach 2017. It was indicated that I was impacted by this breach of Equifax data and my PII was exposed.
Product: Mortgage

Hello, During the origination process of my loan for my house that I bought, loan officer, XXXX XXXX from Quicken Loans, informed me incorrectly of the percentage of home value to loan value that I would need to have my pmi removed. The house I bought needed a good amount of work so I was deciding what percentage of down payment I would make. I had enough money at the time to make almost a full twenty percent down payment but wanted to do less so I could renovate the house. I knew that the house would rise in value significantly due to the renovations so I discussed with XXXX how I could remove PMI early. He told me that with a 5 percent down payment and figuring in about 6 payments that I would owe around 380,000 on the house. Base on a 80 percent home value to loan value ratio, I would have to reappraise the house at {$470000.00} to be able to request PMI removal. Well I decided that was feasible so I put down 5 percent, did my renovations and then called back quicken to request an appraisal to have my PMI removed only to be told that the the equation is based on a 75 percent ratio. I filed a complaint with them and they opened an investigation in which they said they found no proof of the conversation I had with XXXX so they could not help me. They suggested calling my loan holder Fannie Mae to see if they could do something for me. Fannie Mae did nothing because Quicken will not admit to their mistake. Now I am stuck paying an extra {$330.00} in PMI monthly due to Quicken loans mistake. I have been in touch with some of Quicken Loans vp of customer service, and magically today she admitted to me that she found a conversation where I was misinformed by XXXX XXXX. Now even though Quicken has found that they did indeed make a mistake they are still refusing to honor what they said, effectively screwing me out of a lot of money. 

Facts : I have an appraisal in hand for {$480000.00} for my house. 

I have bank statements from when the loan was originated to prove I could have put down at least 10 percent which would have allowed me to have the PMI removed at this point even with a 75 percent ration. 

I will effectively pay over {$6000.00} in PMI that I shouldn't have to pay due to Quicken loans not informing me correctly. 

I will in the near future not be able to pay the extra {$330.00} in PMI. 

Please help me with these people as I feel as though I have been bamboozled by them. People in their position should be able to properly inform clients with the correct information when making a 30 year {$400000.00} dollar decision. 

They should pay for their mistakes, I shouldn't have to.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on 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