23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/2016, my chase online bank account access was suspended for no apparent reason. The bank personnel on the phone said that the external account to make the opening deposit does not seem legit so please go to the branch and make the deposit. I took XXXX forms of ID into the bank and made my deposit and now they are telling me that they will close my account today. They do n't do this to other patrons but since I am XXXX XXXX they are giving me a hard time about my account and I feel that this is bank discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been XXXX and pulled a copy of my credit report it appears that someone open an account in my name that I didnt authorize and my identity was stolen
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

RE : XXXX XXXX XXXX  not recorded in XXXX. Clouding title. 

BORROWER : Redacted LOAN NUMBER : Redacted SUMMARY : We refinanced our home in XXXX through a XXXX ( combo loan ). 
1st & 2nd Mortgage with XXXX Bank, but THE PROBLEM : When the XXXX mortgage refinance was executed, the previous {$340000.00} Mortgage with XXXX XXXX XXXX XXXX was paid off ; however they never recorded a XXXX XXXX XXXX The property is now facing foreclosure auction, yet we have an Approved Short Sale. We are cleared to close EXCEPT that the XXXX XXXX XXXX Mortgage still shows up in XXXX XXXX as outstanding. 

In other words, they never filed/recorded that the property and public records shows 3 outstanding mortgages, 2 are correct, but the 3rd one is not. 

The Unrecorded Satisfaction of Mortgage in the amount of {$340000.00} with XXXX XXXX XXXX XXXX. 

Re : Originated in XX/XX/XXXX, Recorded in XX/XX/XXXX and then re-recorded on XX/XX/XXXX ( citing : This Mtg is being re-recorded because First Recording was prior to Deed into Borrower The above was : Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Recorded on XX/XX/XXXX, XXXX XXXX, Book XXXX, Page XXXX Paid off with Refinance on, yet Satisfaction of Mortgage = Never Recorded. 

XXXX XXXX has been contacted, but we are not getting any response from them ; and our Short Sale Approval is about to expire. Should it expire, they will NOT extend further the closing and will proceed with foreclosing on the property. 
WE NEED HELP!! 

Please contact us as soon as possible. Were about to lose the Short Sale and lose the property in a foreclosure auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. Its been well over 30 days. I feel like I am being played with. I am extremely frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've uploaded my court documents several times in regards to a fraudulent bankruptcy that appears on my credit reports with XXXX/experian/and XXXX that clearly explains the filing that appears was a result of identity theft and has been flagged by the federal court judge as such as of XX/XX/19. But they repeatedly refuse to remove/add a personal statement flagging the item as identity theft.
Product: Debt collection

I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts appearing on my credit report. 

1. XXXX XXXX XXXX XXXX {$100.00} 2. The XXXX XXXX  {$730.00} 3. XXXX XXXX XXXX {$510.00} 4. XXXX XXXX XXXX Co {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment being reported. This is incorrect.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year>, I visited the XXXX store in XXXX Wa. There were flyers displayed offering a 0 interest rate if account balance was paid off within 12 months. 
Also noted, on bottom of flyer next to an asterisk was the promise of it being a SOFT inquiry on ones credit. 
It was NOT.. TURNS OUT IT WAS A HARD INQUIRY. Causing my score to drop XXXX points! 
I didn't receive any satisfactory answer from bank. as to why they would use deceptive practices to try and lure customers to apply. 

I have since closed the account within 3 days of opening after I discovered this deceptive practice.
Product: Money transfer, virtual currency, or money service

I went to a CVS to transfer funds through Moneygram International on XXXX XXXX. 
Moneygram held the transaction and requested information from receiver Moneygram asked for proof of residence, however the receiver was simply visiting from XXXX and could not provide the information. 
The receiver did provide her Passport as identification The receiver has since returned to XXXX. 
I have made several requests for a refund but Moneygran still insists on the residential information from the receiver which is impossible On Friday XX/XX/XXXX I called Moneygram to resolve this mater and I was told that I would be contacted on Monday XX/XX/XXXX, however they did not contact me or resolve this matter. 
On XXXX XXXX I made a followup call and was told exactly the same thing, The receiver needs to provide her information Moneygram has all my information to contact me and return my money!
Product: Mortgage

During the month of   XXXX   XXXX     I was trying to purchase a home and had tons of paperwork. I do not think it is suitable to walk into an establishment to begin the mortgage signing process and the mortgage  officer want t o talk about my VA  XXXX , do n't I want to get better, and go into how he is a pastor and has a  26  week program to help me get better. ( He was referring to my   XXXX   XXXX   XXXX   XXXX  . ) He insisted on seeing exactly what the name of my actual  XXXX  were, for I had marked the name and only the name of the  XXXX  out for privacy. I did not mark out any numbers. Only the name. He told me he has sent many  Veterans throug h his church on th e 26 week program  and they never had problems again. He told me I have probably been burned by  XXXX  and that 's the reason I do n't go to c hurch. ( Not once  did I ever say I was burned or bring up religion with him. And why did he think I was  XXXX ? I am still offended by that and still think it was racially motivated. Why would he assume  XXXX ? ) He showed me a short film of the cult/organization he is associated with. Is this how he got other Vets to join his church? When they first come in to sign mortgage documents? This man also told me it : " was his mission as my pastor to help me find goals in life and to find my purpose. '' ( He is not my pastor and I never asked him to help me find goals or my purpose ) I had to ask several times for his supervisors name. When I got it, I sent both an email and called a couple of times and stated I wanted to talk to him about his employee. The supervisor and I left a couple of messages back and forth and I left the last message without the supervisor ever following up.   I will Never recommend this company for their mortgage needs.
Product: Debt collection

My personal information was leaked in a data breach in XX/XX/XXXX and XXXX, XXXX as also my personal information was in a data breach in XXXX of XXXX and XXXX with XXXX XXXX.. I would like to have negative information removed from my credit in light of these data breaches
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 Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

I used the Moneylion XXXX  money banking app. I deposited my check ( XXXX ) from my work place on XX/XX/XXXX. That same day my card information somehow got used in a XXXX XXXX ( XXXX ) in XXXX NY. I did not authorize these transactions as I live in South Carolina and was at work ( had my bank card with me. ). I filed a dispute, it got rejected. they claimed it showed no error and would not tell me anymore about it. I filed an appeal, it also got rejected saying that I authorized them. I sent them my work time sheet proving I was at work, a bill to my residence proving where I live, a receipt of something I bought that same morning in South Carolina. they still rejected it and refuse to reimburse me or even investigate it further.
Product: Checking or savings account

On Tuesday XX/XX/2021, I was notified by email by Capital One that activity on four of my bank accounts XXXX one checking and three savings accounts ) was being restricted due to suspected unusual activity. I was provided a reference number of XXXX. The email stated, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. Shortly thereafter, I received another email stating, We may contact you to confirm this activity. We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. I have since contacted the telephone number provided ( XXXX ) several times to learn that this action was prompted by a direct deposit of {$12000.00}, the proceeds of a SBA Payroll Protection Program ( PPP ) loan, being deposited into my account. As far as I can ascertain Capital One objects to this deposit coming into my personal checking account. I am a sole proprietor and was unaware that I could not use my account for the limited business activity that I have. I have offered to open a business checking account at Capital One to resolve this matter. I have been told that this matter is being investigated by a fraud investigator under XXXX # XXXX. No one has contacted me about resolution of this matter and I have not been able to contact the investigator. 

It has been 6 days since I have been informed that my accounts have been restricted. Not only do I need the PPP loan proceeds but I need to access the funds in my accounts. Capital Ones actions are creating a severe hardship for me personally. I need to get this matter resolved as soon as possible. They have no right to restrict my access to the loan proceeds and my account funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX XXXX and Equifax are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries listed on my credit report. I am a victim of a data breach, and I believe that the accounts and inquiries specified below were the result of identity theft.

Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting immediate action to remove these items from my credit file. I have provided all necessary documentation, including a copy of my government-issued ID and a police report, to support my claim. 
Fraudulent Account : XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX - {$00.00} Balance Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I refinanced with my original lender pennymac in XXXX. The loan officer said that I qualified for a program to take my PMI off, because I have great credit. Fast forward to XXXX I called again to possibly refinance and get information. The loan officer I spoke with informed me that the PMI was put on the back end of my loan. I had no knowledge of this and that was not what I was told. Is there anything that I can do? I was definitely not informed of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer
Product: Mortgage

As stated before I have been a loyal paying customer since you guys purchased my loan back in XXXX my loan had no history of late payments. The only issue I had occurred due to improper handling of my loans property taxes. In XXXX the taxes were paid on XX/XX/XXXX for XXXX with no issue. However for some reason XXXX 's taxes had the issue of not being paid out or accounted for until XX/XX/XXXX for a total of XXXX. Three months later on XX/XX/XXXX the taxes were also added for XXXX for a total of XXXX making my payments spiral out of control. My argument is that this is a mistake caused by BSI not properly handling/servicing my loan payments starting from XX/XX/XXXX. My payments started off the year at XXXX by next month someone who works at BSI changed the system payment to XXXX on XX/XX/XXXX which continued all the way until XX/XX/XXXX. I have never missed a payment before this issue caused my payment to balloon from from XXXX to XXXX and all the way up to XXXX which causes a lot of stress and created a Financial hardship all within a years time. I Caught up on all payments and my account is current I paid over XXXX to catch up but my credit is ruined. I'm asking that BSI do the right thing like I tried too in bringing my account current and due to all the mistakes that were made. I was clearly affected by the immediate changes and ask that my credit report for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX be updated as paid as agreed the late payments are unnecessary when payment is up to date with no history of late payments.
Product: Debt collection

Twice now I have told them to stop. Already filed a complaint. Was told they would stop. They called again this evening.
Product: Debt collection

To Whom It May Concern : I have been billed repeatedly by the Collection Bureau of America after the water tank had been returned. The bill states that I owe over {$300.00} and interest continues to accrue. 
I need to have this bill settled and satisfied. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently received notice that my credit report negatively reflects a negative debt balance from a company I have never heard of, nor have I received notification from. I was recently notified from a debt consolidation company that Transworld System Inc has a collection debt of {$1100.00}. 
Following the Fair Credit Reporting Act, I do not believe they followed the proper guidelines to notify me of this alleged debt or correctly verified the accuracy of my information. Transworld Systems Inc improper procedures are highly damanging to my credit score and should be deleted immediately for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Debt collection

XXXX is trying to recollect a debt that has already been paid. XXXX has been notified the debt has been paid in full but continues to try to collect and report it on my credit report. The debt was paid to ERC and removed from my credit report XXXX XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really infuriated now! As if all the efforts Im putting into this are non-sense, you are so negligent! What is happening over there at the CFPB and Experian?! Are guys playing around? Well let me say to you that I am not! I am so stressed that you are just ignoring my request to DELETE the fraudulent accounts from my Experian report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

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

I have been having issues with Kentucky Higher Education and my  credit report. Recently ( this year ) they updated my credit report with late payments from back in XXXX XXXX and I WAS STILL IN SCHOOL! These late payments are impossible when I have been in school since XXXX and I recently graduated ( this year ) I was not supposed to be making loan payments and the representative made it seem like they would handle payments deferred while I was in school. Now I have derogatory accounts showing up and it is only from school loans when I WAS IN SCHOOL! I want these accounts updated because they are affecting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail on XX/XX/2022 and have not gotten a response.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.