23daVinci/CFPB_Complaints huggingface dataset:
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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMBEROUS attempt to notify you that I am a victim of identity theft and that I would like to inquire about certain entries in my documents that have formed as a result of the wrongdoing. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter than my husband XXXX, and I, mailed to the credit bureaus on XX/XX/XXXX. The bureaus are supposed to investigate the accounts we listed, and respond within 30 days. XXXX  DID respond, but Equifax and XXXX XXXX have not.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the EquifaxXXXX XXXX XXXX XXXX  data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

Once again CitiBank is dropping the ball on a valid dispute of charges ... ( 1 ) A purchase was made on XX/XX/XXXX to XXXX XXXX totaling {$1500.00}. The purchase was for a set of two appliances ; ( 2 ) The two appliances arrived damaged and delivery was REFUSED by me on XX/XX/XXXX ; ( 3 ) I disputed the charge immediately with Citibank ; ( 4 ) Citibank initially gave a temporary credit for the charge, but then sent a letter to me saying that XXXX XXXX said " they had my signature accepting delivery for the appliances ''. XXXX XXXX NEVER said this because it never happened. XXXX XXXX says no one told CitiBank this story. 
-- - Once again CitiBank 's dispute resolution department LIED and claimed a merchant said they had 'proof the charge was valid ' when the merchant made no such statement. They have done this two times previously. Further, CitBank refused to offer proof that the merchant said they had signatures demonstrating the charge was valid -- because there was no such statement made by the merchant. 
-- - Both myself and several family members worked with XXXX XXXX making numerous calls to various departments and XXXX XXXX finally REFUNDED the FULL amount ( on two separate credits ). I sent the REFUND receipt from XXXX XXXX to CitiBank 's Billing Department Twice -- and STILL they refuse to post the Refund from XXXX XXXX. 
-- - Remaining at issue : BOTH the XXXX XXXX  purchase -- and the Refund -- were applied to account # XXXX. Because CitiBank forced acct # XXXX to be closed just before XXXX due to fraud charges, the XXXX XXXX  Refund submitted to CitiBank on XX/XX/XXXX must be TRANSFERRED FROM Acct # XXXX TO the NEW acct # XXXX. I have asked the CitiBank Billing Dept twice now to Transfer the credit/refund submitted by XXXX from acct XXXX to the new acct XXXX. Yet, the current statement now due is showing that CitiBank reversed the temporary credit saying the charge was " found to be valid '' and the full amount is showing due. 

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

Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.
Product: Credit reporting or other personal consumer reports

Please remove the following account and inquries listed below this is not correct please review and remove it now. Here 's the lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Personal Checking Account ( Campus Account ) was opened on XX/XX/year> and funded {$100.00}, per WSFS bank policy. Upon enrolling in an account, I was asked if I wanted to opt-in to the Overdraft Protection service, which covers certain charges if I do not have enough funds and assesses a debt of the transaction amount as well as an overdraft charge. I travelled to XXXX on XX/XX/year> with a fund amount of {$730.00}. A few days later, I used the service XXXX to transfer the funds from my WSFS Checking Account to my XXXX Account since I had neglected to place a travel notice to my bank and wanted to insure I had funds while traveling. The same day this transfer was completed and approved, I had a few recurring charges to my checking account that overdrafted the account. The continuous stacking overdraft charges ended up placing my checking account in a debt of $ XXXX now. This massive debt would not have accumulated if WSFS did NOT place me in the XXXX XXXX service. I did NOT consent to being added to this service on numerous occasions. I contacted WSFS support to have the overdrafts removed, and they recalled XXXX overdraft charges, although not all charges. They assured me that I was removed from the program, although the overdraft charges continued and now my account is over {$600.00} overdrafted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday XX/XX/XXXX I checked my credit score in the morning on XXXX  XXXX and it was XXXX, the same day in the afternoon my credit score went down 57 point with no reason
Product: Checking or savings account

I tried to cash a check that was not in my name ( I didn't know it couldn't be done since a friend lent me money but gave it to me in a check in her name. The bank kept the check and accused me of fraud ) Every time The caller gave them all the information about the owner of the check but according to them they could not communicate with her because she was out of the country. When my friend returned there was nothing to do but they didn't tell her where she could claim that money.
Product: Credit card or prepaid card

I am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
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I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.
Product: Checking or savings account

I am XXXX 37yrs lost my career due to an XXXX spouse. Try to live on Social Security XXXX and alimony. An individual filed a suit that I owed her money in a large amount XXXX. I only know the women from a ex spouse she called me asking for medical advice during my ugly divorce. The spouse brought me back from the XXXX XXXX Against Medical Advice caused the loss of my XXXX that maintain life. XXXX XXXX called me the week he brought me back asking for medical advice. She has XXXX issues and was XXXX  so I had to help. I put together a medical team at XXXX XXXX XXXX for her. During the divorce because of my medical condition causing a high comorbidity could not buy medicine or food. She called the XXXX she did give me a gift. Then the harassment started I had to tell her I could not help her anymore. If I would not answer my phone between XXXX and XXXX she would call the police for a well check to come wake me up. The police even woke up my neighbors told they where going to kick my door down. Then a suit was filed at a large amount for the gift. I am on social security XXXX and alimony. Bank of America has my accounts locked up can not buy meds or food and are taking multi amounts out of my accounts now showing XXXX on the alimony account and XXXX in my social security account not allowing me access to XXXX payments. Was not severed anything from an attorney or notified from the bank this was happening my money was just taken without warning. Now I have 8 security cameras due to the abusive spouse and attack dogs property fully fenced so I was serviced not a thing did not know of any court dates. I could not have gone anyway I have had 7 XXXX due to my medical condition and can not drive a car. Even placed on Adult Protective Services due to the abuse of the spouse. My state worker thinks since they are good friends this is still part of the abuse. XXXX XXXX XXXX even gave her the account numbers.
Product: Credit reporting or other personal consumer reports

TransUnion investigated XXXX XXXX XXXX my account they determine that it was fraudulent information and the information was to be deleted and it wasXXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/year>XXXX  I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/year>XXXX  now the information has been back on my report again for the third time as of XX/XX/year> and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BANK OF AMERICA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and BANK OF AMERICA with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed numerous letters pertaining to my credit report and the incorrect information reported in it, to no avail have I received responses from the credit reporting bureau agency Transunion. It has been over 60 days since I sent the first request via certified mail with return receipt to investigate into my credit report. The first letter sent to this reporting agency was XXXX of XX/XX/2020 ( I will include these receipts ) it was received XX/XX/XXXX.
Product: Checking or savings account

I tried to add my XXXX XXXX  account online as a payment from account to my Bank of American account, I got an error message that I need to fill out the account add form. I am not able to find it online, I called Bank of American online customer services, they are not able to find the form and directed me to a branch. I visited a branch XX/XX/year> and it took the branch agent XXXX hours to find out there is no such form available. I need to sent them a note with XXXX XXXX direct deposit form and a screenshot of the error message to add it. Bank of American did this on purpose to discourage their customer to add accounts they do not want That is a violation of FTC Section 5 : Unfair or Deceptive Acts or Practices.
Product: Bank account or service

On XXXX XXXX 2016 I received a text alert from USAA bank stating that my checking account had been compromised. The agent informed me that it would take 24-48 hours to do a fraud investigation and I would n't have access to my accounts. When I called XXXX XXXX 2016 the person I spoke with asked me for an authentication code that I did not have because no one ever gave me one and then asked for my phone number once I gave her my number she said that the number I gave was not the number on record. I explained to her that someone had compromised my account and must have changed the number also. She told me there was nothing else she could do she was locked out of my account when I asked to speak to someone in the fraud dept she told me should could not transfer me because she could not authenticate me. I have been experiencing pretty much the same attitude for the last 6 days when I call to find out what 's going on with my accounts. XXXX XXXX 2016 will be a week I do n't know how my account was compromised or to what extent. And USAA does not seem to be in any hurry to fix the situation.
Product: Debt or credit management

I have a balance with Tally Technologies , Inc. with a payment due today, XX/XX/year>. I have a new checking account and needed to update my payment information before paying my bill. I attempted to update my bank account on XX/XX/year>. Tally Technologies does not allow customers to enter account information manually. Instead, they must use a third-party login system. Their third-party login system does not support the bank where I have my checking account. Because of this, I was prompted to call during regular business hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since yesterday, I have called seven times between those hours. Three of these calls gave me a busy signal. Four of these calls gave me an automated message that agents were unavailable and then Tally Technologies disconnected the call. I emailed customer service outlining the issue on XX/XX/XXXX at XXXX XXXX XXXX. XXXX XXXX at Tally Technologies responded at XXXXXXXX XXXX XXXXXXXX with instructions on how to add a bank account via their third-party login, even though I explained the issue was that I was unable to do so. The email also said that I am still responsible for paying my bill on its due date, which is impossible because they need to allow me to update my payment information first. I responded at XXXXXXXX XXXX XXXXXXXX reiterating that I am not able to add my account and that their phone lines are not working. I am still waiting to receive a response. However, I did receive an email this morning reminding me that my payment is due.
Product: Credit reporting or other personal consumer reports

They would say the Bankruptcy was verified but never provided the source of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing one account that is on my credit report for XXXX and Equifax and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX XXXX {$17000.00}
Product: Credit reporting or other personal consumer reports

I started months ago to have XXXX remove XXXX credit cards ( American Express and XXXX ) from my credit report, that doesn't belong to me. I have advised them that this debt belongs to someone else and for some reason they are insisting that it mine. I ask them to provide the orginial contract the I signed with these companies and they have fail to product the contracts. I need this debt to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I submitted a complaint to the CFPB concerning the fraudulent activity that occurred on XX/XX/19.The case # XXXX. My money in the tune of {$32000.00} was diverted to a fraudulent account at SunTrust Bank, Routing # XXXX Account # XXXX. 
When XXXX XXXX attempted to reverse the wire they discovered there was a mismatch in the name on the account and the routing number. 
The fed payments manager - funds indicated on XX/XX/19 amt. {$32000.00} usd please be advised funds auto posted on the original wire however XXXX name and account do not agree. The {>= $1,000,000} was to be deposited into XXXX XXXX account for my closing. The money was diverted to the fraudster 's account with his account and routing number but DID NOT have XXXX XXXX  name on the account. 
Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple Times of a debt that doesnt belong to me w equifax regarding a XXXX XXXX XXXX  credit card it had A suppose of {$300.00} limit opened in XXXX of 2012 I have disputed w XXXX XXXX as well as equifax I have asked for verification neither XXXX  XXXX or equifax has been unable to verify I have disputed this debt with XXXX & XXXX both were unable to verify So they deleted from my credit report equifax & XXXX XXXX keep responding account accurate With no verification that I asked for showing documents etc
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent incorrect account reporting on my Experian credit report, I am a victim of identity theft NOT A CREDIT REPAIR COMPANY that Experian accused me of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We entered into a Cares Act mortgage forbearance in XXXX with Flagstar Bank. Our forbearance time was up in XX/XX/XXXX. I contacted XXXX in XX/XX/XXXX and let them know we couldnt make the current mortgage payments and wanted them to reduce our payments as per the Cares Act. They didnt respond to me until XXXX of XXXX. I called multiple times between XX/XX/XXXX and XX/XX/XXXX to check in because I was told it would only be 30 days to get a response. Each time I was given a different answer. When I received paperwork from them in XX/XX/XXXX the interest rate on our loan was not changed and our mortgage payment actually went up. According to them since there was an escrow analysis the payment was actually XXXX dollars lower. They told me that their investors would only allow this payment amount and no change to our interest rate. I told them I didnt want this new option and wanted to just do the partial claim instead. They sent me the contract for the partial claim in XX/XX/XXXX. My husband and I signed it and sent it back to them in XX/XX/XXXX. I called Flagstar Bank in XX/XX/XXXX to see if they received the contract because we were still getting collection calls from them and nothing updated on our online account. I was told they did receive the contract and processed and recorded it. I was also told that once I made the XX/XX/XXXX payment on the first our mortgage would reset to the new terms and we would see the new information on our online account and our next statement. The online system would not let me pay so I called Flagstar Bank on Monday XX/XX/XXXX and made my payment with a staff member over the phone. Today XX/XX/XXXX I received my statement. Nothing has changed. Nothing online has changed. We are showing as delinquent with XXXX XXXX dollars due immediately. Today is a Saturday and I cant call them because they are closed. Weve done everything required of us under the Cares act and Flagstar Bank has not followed the law.
Product: Mortgage

The that took over servicing my loan is NewRez. NewRez is a subsidiary of Shellpoint Mortgage and does not actually receipt payments directly. Payments mailed to NewRez them take up to 2 weeks to credit and then they add late charges and and send notices out. Customer Service is abysmal to non-existent as a supervisor will not speak to you directly, they must call you back. Due to the issues with their payment processing, despite them having been paid current on XX/XX/XXXX, they received a payment 32 days past the due date. This is two days past the 30 day payment deadline. Even so, they have just placed a late payment report on my credit yesterday. This seems vindictive and retaliatory as I complained about the amount of mail I was receiving a week ago on XXXX XX/XX/XXXX ) and they were paid in full on XX/XX/XXXX, over two weeks prior. 

I received over 4 letters ( one certified ) in the week of the XXXX. I called to verify they had received my payment.