23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX/XXXX  XXXXXXXX XXXX and opened on XX/XX/XXXX was late on XX/XX/XXXX and XX/XX/XXXX. I intended to remove my late payment from my credit. Also, I have an Inquiry with XXXX on XX/XX/XXXX and would like to be remove from my credit. In addition, to XXXX XXXX on XX/XX/XXXX. Moreover, XXXXXXXX XXXX XXXX Inquiry done on XX/XX/XXXX. Also, XXXX XXXX Inquiry done on XX/XX/XXXX. Finally, XXXX Inquiry done on XX/XX/XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I am refinancing my existing mortgage ( ... ... XXXX ) with XXXX XXXX XXXX  via Quicken Loans, to XXXX XXXX XXXX  via Quicken Loans ( ... ... XXXX ). 

The loan estimate dated XXXX indicated closing costs of {$2500.00}. I then received the Closing disclosure, XXXX, From XXXX XXXX, the mortgage agent from Quicken Loans, indicating closing costs of {$3000.00}. I realize the first quote I received was an 'estimate ' but to be off {$500.00} is, in my opinion, a deceptive practice. The Closing Disclosure could have been any amount they wanted, {$3200.00}, {$3700.00}, {$4000.00} or more and excuse it with 'it was only an estimate '! 

I gave a deposit of {$500.00} in good faith, but don't believe they are acting in good-faith with a 20 % increase in closing costs. 

To resolve this, I want my deposit back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX illegally opens loans, for customer. - and masks the loan as escrow in the beginning of the year as an addition to customers actual mortgage balance, and reports that annual balance to credit reporting agency, while reporting the true mortgage balance to customer.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. please removed the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

I called Bank of America for a CD transaction on XX/XX/XXXX. The agent told me that the interest rate was 4.65 % and after 7 months I would receive over {$4000.00} for the XXXX CD investment. I completed the transaction on the phone call. However, I received a notice in XX/XX/XXXX, stating that the interest rate was 4.51 %. I only received {$3000.00}, over {$1000.00} in short as Bank of America agent promised me. I complained and requested for an investigation and refunding the amount of interest in short on XX/XX/XXXX. I was told that I would be contact on XX/XX/XXXX or XXXX. I had not heard back. I called them on XX/XX/XXXX to follow up. BOA refused to refund me or addressed the 4.65 % interest rate that their agent promised to me when I purchased the CD in XXXX.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report to see how my credit was doing, I noticed that I've been a victim of Identity theft and found numerous credit inquiries that I have no knowledge of with all 3 known credit bureaus.

The list is as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE remove these fraudulent inquiries from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Incorrect Address
Product: Bank account or service

I opened a account with Union bank and they put a hold on all my funds and refuse to release them or give me any information on whats going on
Product: Money transfer, virtual currency, or money service

Ive banked with Chime for about 4 years. On XX/XX/XXXX I received an alert that stated CHIME Alert : Did you attempt this transaction? For {$100.00} on XX/XX/XXXX ; at XXXX XXXX? REPLY Y to accept or N to decline This Transaction. Reply STOP. So I replied N. I received a message within the same minute stating Thank you for response! A customer service agent will contact you shortly. I received a call from the Chime customer service number. The customer service agent had explained that someone was attempting to log in to my online banking to do fraudulent activities, and in order to properly receive the alerts on my end they needed to run sample tests. The agent assured me these were just sample tests and the money would go back into my account with 24-72 hours. The first test was for the amount of {$1500.00}. The second was {$500.00} through XXXX. The agent explained that my account was under investigation and would give me a call tomorrow for an update. The next day they called me and asked to do another sample test since they restarted the system so my correct information would be in, they also asked for my social security number. Did another sample test of {$3500.00}. Since my correct information was in the system now, I was going to receive messages for the transactions of the sample tests and instructed me to reply N to all of the alerts. Which Stated, Chime Alert : Did You Attempt This Transaction? 
For {$1500.00} on XX/XX/XXXX ; at Chime Wallet? REPLY Y to Accept or N To Decline This Transaction. Reply STOP. I waited a couple of days and called back to chime to ask about my money. I was transferred to a supervisor who informed me that I was scammed!
Product: Consumer Loan

I needed money to pay for my moving expenses. I took a title max car loan. I 've tried to keep up with the payments but fall short so my payments are late and include a hefty penalty payment in addition to interest. I failed to make the XXXX 2016 payment on time and called loan mart to explain. XXXX XXXX, 2016 I tried to make an online payment but was denied. This payment would have covered XXXX 2016. Another payment of {$350.00} was due XXXX XXXX, 2016. I do n't get paid until the XXXX of each month so I would be late again. My plan is to pay the entire bill with large lump sum payments. The problem is the amount that is added to the principal balance makes it difficult to pay the loan off. My car was reposed this morning. In order to get my car back, I must pay them {$900.00} which includes towing, paying for personal property left in the car and making a trip to the police department to obtain a repossesion receipt. This is robbery. In fact, there was no grace period.
Product: Student loan

I am a co-signer on a student loan with Navient. I know that the student is one month behind in her payments. I am receiving anywhere from three to six calls a day from Navient. Today I received a call every two hours. I have quit answering my phone when they call. I refuse to talk to them! I know that she sends a payment every month. It 's just late.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent public record by XXXX XXXXXXXX XXXX XXXX XXXX  - DOCKET NO : XXXX was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation sent it with the inaccurate information
Product: Debt or credit management

Started with Freedom Debt Relief end of XX/XX/2023. I've paid in 5 deposits of {$330.00} each. They've only negotiated with 1 company, XXXX XXXX. I then find the outrageous amount for " fees '' which I find out is going to them. They skirted around what those large amounts were for but in the end, found out that's their fees for negotiating with just 1 company .... Also, at the beginning they had me authorize a settlement for a medical bill of {$1500.00} and said they got it down to {$800.00} but now it doesn't show they've paid anything toward that settlement.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX initiated a wire transfer in amount of {$13000.00} from XXXX XXXX Account to Chase Bank. Reason - XXXX XXXX. Posted & account debited. 
XX/XX/XXXX Wire transaction completed & obtained Federal Reserve Tracking number. 
XX/XX/XXXX thru XX/XX/XXXX no funds received in recipient 's Chase Bank account. 
XX/XX/XXXX Still no response from Chase Bank. XXXX determined they input an incomplete account number but had the correct bank routing number. They initiated an XXXX. 
XX/XX/XXXX Still no response from Chase Bank & {$13000.00} not in the recipient 's account. XXXX initiate a Recall. 

Recipient contacted Chase bank repeatedly over these weeks via phone to no avail. 
XX/XX/XXXX recipient called the local Chase Branch Vice President requesting his assistance & provided him the Federal Reserve Tracking number. 
XX/XX/XXXX Recipient met in person with the Chase Bank VP however he had no update. 
XX/XX/XXXX recipient provided the Chase Bank VP with a copy of the XXXX Wire Transfer XXXX form confirming the wire went to Chase Bank. 
XX/XX/XXXX Not a single response from Chase Bank to date. The {$13000.00} remains unaccounted for. The funds are not in the sender 's account nor in the recipient 's account. 
FIVE weeks is too long for a Wire Transfer to post at Chase Bank. I can not attach the Wire Transfer Transaction form below due to the identifying information.
Product: Mortgage

I have been dealing with Huntington National BankXXXX their tax department ( corelogic ) to get my property taxes paid since XXXX of XXXX. It is now XX/XX/XXXX and they still have yet to pay my taxes. I have made at dozens of calls to get this resolved between XXXX and now. I have done 3 way calls with them and the tax collector to ensure they had all proper documents to get this resolved. No payment has been made but the funds were removed from my escrow and XX/XX/XXXX. 

On XX/XX/XXXX I was told by a supervisor that the funds were approved and the check was being issued that day so it would be sent out that day or the following Monday XX/XX/XXXX. ( I do have all their contact info if needed ) The check was never issued and has yet to be sent. I have been on the phone with them for several hours yesterday XX/XX/XXXX after I received a call from the tax collector saying she has yet to receive payment. They keep telling me they are waiting for approval from their research department for the check to be issued. 

I am not sure why it has taken almost 4 months and still no resolution.
Product: Checking or savings account

I gave birth on XX/XX/XXXX, and my child received care from the hospital ( XXXX XXXX XXXX XXXX XXXX in XXXX, MA ) from XX/XX/XXXX through XX/XX/XXXX. 

On XX/XX/XXXX, I saw claims for this care in my XXXX XXXX web portal and paid them using my Health Savings Account ( HSA ) from Optum Bank. These payments were in the amounts of {$160.00} and {$170.00}, owed to XXXX - XXXX at XXXX. Funds were withdrawn from my XXXX for these amounts. 

However, on XX/XX/XXXX I received a pre-collections notice from XXXX - Neonatology at XXXX stating that my account was overdue, including the {$160.00} and {$170.00} I had already paid. 

I proceeded to call Optum Bank and speak with representatives on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to determine where my payments were. During those calls, I was told the XXXX payments in question were sent via physical check to the hospital department. Customer service reps confirmed the physical address the checks were sent to. This address was incorrect and I provided the correct po box over the phone. I was told a Stop Payment Order would be issued for the XXXX checks and new ones would be submitted to the correct address ( I also called hospital billing to share this info, where I was told they often had problems with HSAs like this ). 

During these calls with Optum, I was promised numerous times that I would be emailed a receipt of payment. I clarified my personal email address to ensure delivery, but never received any communications. 

On XXXX I received a final collections notice from XXXX - Neonatology at XXXX for the amounts of {$160.00} and {$170.00}. I proceeded to call the billing department and pay the full {$330.00} using my XXXX debit card to avoid being sent to collections. Since I had been told the payments were via physical checks, I thought payments could be stopped and I wouldn't lose any money. 

I then called Optum Bank on XXXX to ask for stop payments and was told new information : That the checks were electronic and no stop payment could be issued. I told the customer rep I had received conflicting information previously, to which he had no explanation. 

I asked if the payments could be reversed or canceled and was told no. I asked what would happen if the hospital billing department never processed the payments and if there was any sort of deadline for processing and was again told no, the payments would just stay in limbo. The only possible solution would be for the hospital to call Optum XXXX. So now I am out {$330.00}, with no way of reversing charges or getting the money back, due to numerous mistakes and misinformation on Optum 's part.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} CONNS XXXX Balance : {$4400.00} XXXX XXXX XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Balance XXXX : {$350.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$870.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you