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

The Experian and XXXX Credit Reporting Agencies have not complied with my requests for the removal of the disputed accounts from my credit File and they even claimed that the disputed accounts were verified and are accurate. However, as I have previously complaint, I am asking that the Credit Bureaus provide me copies of proof of verification or proof of ownership and documents bearing my signature to support the Credit Bureaus claims that the disputed items belong to me. Also, I previously sent dispute letters to each Credit Reporting Agencies reporting the disputed fraudulent accounts on my Credit File last XX/XX/XXXX. Once again, I was a victim of identity theft and the accounts I am disputing were the results of such crime. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am now submitting this CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts completely from my Credit File before I am forced to take legal action and bring this entire matter to a Federal Court. Once again, please remove the following accounts completely from my Credit report : XXXX XXXX  XXXX  XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX  : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} XXXX XXXX XXXX XXXX XXXX  : {$18000.00}
Product: Checking or savings account

My Mother had a Chase Visa account, Chase HELOC and Chase checking. 
My Mother died XX/XX/2020 and left me as co-trustee and co-personal representative of her estate. 
I request 12 months of statements preceding her death for both her Chase Visa and Chase Checking. 
The Chase Visa department requested a " Letter of Instruction '' before the statements would be provided. I'm not sure if a copy of Mother 's Trust and Will were provided to Chase Visa, but both have been given on numerous separate occasions to Chase. I sent the " Letter of Instruction '' as requested. Chase Visa provided the requested statements, they actually sent them on two separate occasions. 
Chase is refusing to release the checking statements. 
Chase actually sent a letter to me dated XX/XX/2020 in part it reads : In bold print : " We need authorization to share the decedent 's account information. '' " ... We will provide account information to a court-appointed representative or executor one we have legal documentation and an original or certified copy of a death-certificate. '' It should be noted both of these documents have been provided on numerous occasions, yet they still refuse to release the statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One on numerous occasions letting them know the Credit Card belongs to my Ex Roommate XXXX XXXX XXXX and needs to be removed from my Credit Card account and transferred to him. XXXX XXXX has chosen to ignore my requests time and time again. I contacted XXXX XXXX last year XX/XX/XXXX and continued to contact them every month thereafter until XXXX of XXXX. I'm not responsible for his continued use of this card. He knows he is to pay it off and destroy the card, however, he chooses to ignore this advise/direction and continues to NOT pay what's owed & continues to use the card. The limit amount is {$3000.00} and he keeps charging NOT paying until he again several times exceeds the card limit. I am the victim of identity theft from XXXX XXXX XXXX XXXX. XXXX just won't stop using the XXXX XXXX card & refuses to pay the card off knowing full well it goes against my credit score/history and not his.
Product: Mortgage

Around the middle of XX/XX/XXXX, we applied for a loan with LoanDepot.It was preapproved with a 3.75 % rate. All the PAPERWORK THEY ASKED FOR WAS SENT WITHOUT DELAY.It was sent to underwriting for final approval for three weeks now.We have to call to see what is going on after we contact the manager Then they would call and state we need this or that, then we can get final approval, we right away send it to them.No word from them 2-3 days.XX/XX/XXXX I email them the manager in sales, then they would call we need 24 months payment and divorce decree then we will close.sent right away and sent 35 months of payments ( never late ) .A week pass no word. I email again, then they would call we need XX/XX/XXXX payment. this is all underwriting need to close.this is now Monday, XX/XX/XXXX will call you tomorrow with final approval and set up closing. Wedn XX/XX/XXXX. no phone call. I called her voice mail states she went home.I was connected to 3 other departments. No manager could come or could be reached in any department especially underwriting.They have all requested information and is not doing their jobs. Uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company in Question : Transunion I do not wish for my Transunion File Number to be posted publicly, so I can provide that information separate from this initial complaint. Please call or email to obtain that information if needed in order to reference the call and complaint information. 

I have made several attempts since XX/XX/2018 to have inaccurate and unsupported collections removed from my Credit Report. I have tried to access my full report from all 3 bureaus via Annual Credit Report. Transunion has made it nearly impossible for me to access my full report and have disputed charges properly investigated and removed. During another attempt to resolve this ongoing issue, I called Transunion and spoke to a man who claimed he was a " customer service supervisor '' and his name was " XXXX XXXX ''. The number I called was XXXX at XXXX p.m. XXXX. The call lasted XXXX hour and XXXX minutes. The entire conversation was a joke to this individual. XXXX minute he claimed to have a record of my past disputes and confirmed the collection agencies " investigated '' did NOT provide supporting documentation within 30 days as requested. Then, the next minute, he denied that I ever filed previous disputes. I could hear laughing in the background and he talked to me like I was a child. Per the FCRA, these disputes should have been thoroughly investigated and removed my from credit report 2 years ago. The Transunion rep was disturbingly ignorant of U.S. law pertaining to the FCRA. I want the call pulled/fully reviewed. If the aforementioned call doesn't last XXXX hour and XXXX minutes, it has been edited and " doctored '' by Transunion in another cover-up attempt. I have been denied a car loan, a credit increase, and a home loan due to Transunion. I want full compensation and my credit report fixed immediately. This man should be fired as well. Our conversation was nothing but a sick game to him. He thoroughly enjoyed being disrespectful to me and hearing my frustration. This is my life we're talking about! My future! My children 's future and safety of a home. This is very serious! This is NOT a game!
Product: Debt collection

I received a correspondence from XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX about an alleged debt. On XX/XX/XXXX, I sent First Federal Credit Control a certified letter requesting validation of the alleged debt, and demanding that they only contact me via mail to my current mailing address. On XX/XX/XXXX at XXXX, I received a call from their representative inquiring on how I want to make the payment on the account. I politely informed her that I sent them a validation letter, and also demanded that they do not contact me via telephone. The representative rudely told me that I owe the company, I must pay or it will be reported to the credit reporting agencies. On XX/XX/XXXX, I received an alert from XXXX stating that First Federal Credit Control added a collection account to my credit report. I previously filed a complaint, and they replied that they have validated the debt, which they have not provided any documents to properly validate the debt per FCRA. 
On XX/XX/XXXX, I sent another complaint through CFBP,  and they completely ignored it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, between XXXX to XXXX, I got a call from someone claimed that they are XXXX California XXXX that I need to make a payment of {$190.00} through XXXX or they will shut off my electricity with 30 minutes. So I did. Then they transfer me to their " supervisor ''. The " supervisor '' said the {$190.00} is not enough to stop them to cut off the electricity. The lowest is {$280.00} otherwise the electricity will shutt off still with 30 minutes. So I had to pay the {$280.00}. Then they told me to put a refund code of XXXX to get the {$190.00} back, after I did that, it actually sent another {$990.00}. So they said that I did too slow the refund code was expired, my account was locked. So they said I need to send {$490.00} safety secure deposite to get my money back. But after I sent this I still did not get my money back. I realized that I got scammed. I went to Schools First Federal Credit union the next day because they don't have a phone service in weekends and reported this fraud. But they will not do anything.
Product: Credit reporting or other personal consumer reports

Before the pandemic I used to own a business, however I owed a balance of {$35000.00} to American expenses and I was paying every month on time until the business collapsed because the pandemic The loan was in the name of the business but American expenses put the credit on my credit report with affected my credit score from excellent to fair I reached out to them few times to arrange some payment to pay off the balance and they refused that time and their excuse back then was they didnt have any options for me So because I lost my business I was not able to make anymore payment They sent the charges against my credit report instead of of the business that I lost because of the pandemic
Product: Debt collection

XXXX I initiated a complaint XX/XX/XXXX through this service Today I received an email informing me that my case had been resolved and closed. They actually included a bill that was a final bill to service which I subsequently took responsibility for. 
I want this case reopened and that proper documentation be provided to me to prove that the debt owed is actually mine. 
What they need to provide me with 6 months of prior bills as well as 6 months after the bill they included in their response. 
Furthermore they will need to explain the existence of a letter they sent on XXXX XXXX, XXXX alerting that XXXX  was owed them, meanwhile they are claiming $ XXXX in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, there was an unauthorized attempt to open a credit card account with XXXX XXXX resulting in a hard inquiry with all three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that XXXX is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. 

I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections.

My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. 

I have tried credit repair bureaus and have sent numerous documents to all three credit reporting bureaus that included-in the case of XXXX  XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report, I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX/XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The continuous reporting of my lateness that happened a while ago due to economic hardship, In accordance with the federal credit reporting act this creditor has violated my right under 15 usc 1681 section 602 states i have the right to privacy,15 USC 1681 section 604 section 2 also states that a consumer reporting agency can not furnish an account with my name without my written instruction, under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit report or plan as late for any reason or purpose.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I'm trying to refinance my home through XXXX XXXX to get equity from our home XXXX XXXX did a credit check with my permission. Mr. Cooper who is my mortgage company, charged my account {$25.00} dollars for what is called an expd quote Delivery fee. Mr. cooper had no dealings with my credit check. My account with Mr. cooper is XXXX The statement date is XX/XX/2024 they have no right to charge money for something they did not do. 

Sincerely XXXX XXXX
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent and are proceeding to sale set for  X/X/17    - the lender is in violation of regulati on X-12 USC 2605 ( e ) ( 1 ) and t he clients right to counsel.
Product: Mortgage

On XX/XX/XXXX I was notified by PrimeLending that the servicing of my mortgage was being transferred from them to JP Morgan Chase Bank. The loan number under XXXX had been XXXX and the new loan number under Chase was to be XXXX. In the letter it specifically stated : " The servicing of your mortgage loans is being transferred, effectiveXX/XX/XXXX. The means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change ''. Unfortunately that last sentence turned out to be false. During the timeframe while my mortgage was being serviced by XXXX I did not have, nor require, an escrow account. I pay my real estate taxes and personal property insurance directly. The property I own is a Townhouse and the XXXX XXXX XXXX ( XX/XX/XXXX ) directly pays for the insurance for flood and structure, which are collected from payments made by all 18 owners that are part of the XX/XX/XXXXon a quarterly basis. The problem that I am experiencing is that after the mortgage servicer was transferred over to Chase, Chase established an escrow account for the flood insurance and has been deducting money without permission or cause from my checking account to pay for it. The flood insurance is already paid for by the XXXX, so this is an unnecessary duplication of insurance coverage. I have contacted representatives at Chase on at least 10 occasions to get this addressed and they failed to do so. 

I filed Complaint number XXXX with the CFPB on XX/XX/XXXX regarding this matter. On XX/XX/XXXX Chase responded to my complaint with the following : We acquired the servicing of your loan from XXXX XXXX XXXX XXXX on XX/XX/XXXX, but when the loan was loaded into our system of record, an escrow account was added in error. Our investigation confirmed that funds were collected at your loans closing to pay for flood coverage, as there is a separate flood policy for each condo unit. We also confirmed that your homeowners association pays for the property flood insurance policy as part of a condo master policy. We sincerely apologize for this error in oversight of your flood insurance. We have since removed the escrow account, and we mailed you a check on XX/XX/XXXX, for {$150.00} to refund you the remaining escrow balance. In addition, we updated your total XX/XX/XXXX payment amount to {$2800.00}, which will be comprised of only the principal amount of {$2300.00} and interest amount of {$490.00}. We have enclosed copies of the letters we sent you on XX/XX/XXXX, and XX/XX/XXXX, for your records, which explained the changes we made to your escrow account. 

This resolved this matter until I received a letter from Chase in the mail today, XX/XX/XXXX, resurrecting this very same issue and Chase advising me that they are updating my account to start escrowing my flood insurance premiums. Just as it was before, this is totally unnecessary and I am demanding that Chase cease and desist from taking this action. This is wasting everyones time.
Product: Money transfer, virtual currency, or money service

A friends account was hacked. We sent the payment to the account not knowing it was hacked. Contacted the bank who could not stop it and contacted Zelle who refused to do anything ; they actually hung up on me! They refused to follow their own company policy and federal consumer protection laws requiring them to refund the fraudulent scammed transaction. XXXX and XXXX XXXX {$1000.00} Company refused to help ; escalations supervisor refused to transfer me to her supervisor then transferred me to the general customer service number. She said she is the supervisor and there is no one above her. They refuse to share their policy requirements for a refund. They refuse to refund fraudulent transactions.
Product: Credit card

I requested a balance transfer from US BANK my AAA credit card. I provided them with my XXXX XXXX account number. A mistake was made and a paper check was sent to XXXX. They cashed the check even though I DO NOT HAVE AN ACCOUNT with them. They should have returned the check to US Bank. I have reached out to both banks and I am told by both of the the other bank has to research it. I have sent several letters to both banks also certified mail to them. I have a copy of the check and the account number on the check is my XXXX  XXXX account number. No one is willing to research it. 
The money is somewhere but I never got it. Any help would be appreciated. I have been trying to resolve this issue since XXXX. 
The check amount was for {$3600.00} check no XXXX dated XX/XX/year> made out to XXXX. 

Thank you
Product: Money transfer, virtual currency, or money service

On XXXX I went online to check my checking account and noticed two wire transfers, one for {$1700.00} and another for {$1700.00} on the same day. I called citibank immediately and told them that the transfers were not authorized by me. After talking to a couple of people they connected me to the fraud department. After talking to them they said they would do an investigation. They told me I did not have to call the Police or report this to anyone because they would take care of it. Unfortunately, I listened to them and waited for their report. After talking to different people at citibank they told me they had a persons name, XXXX XXXX, two telephone numbers, which are on my statement, and the name of the bank the money was transfered to, but they would not give me the name. They also sent me an Affidavit of Unauthorized Online Wire Transfer Document that they said I had to fill out, which I did and sent it back to them. They said they never received it but I sent it certified and have the receipt and know it was delivered. Long story short, I have been in contact with them and they are now blaming me and will not give me my money back. I have filed my loss with the Federal Government. My next step is to contact the Police.