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

on XX/XX/24 I received my Transunion credit report after disputing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All accounts was said to be verified and accurate w/o providing me with any physical copies of how the verification process had taken place. I specifically asked on numerous occasions for method of validation and physical copies to have for my records regarding how this was done because it is my right as a consumer. Yet Transunion continues to illegally furnish my personal information without my consent nor provide me with any explanation as to why this is being done.
Product: Checking or savings account

My account was closed, but I still had money in the account, the bank said they would mail my a cashiers check but it never arrived, when I call they just keep telling me to wait 10 days or they send a new check. check never arrived, my funds are missing.
Product: Checking or savings account

Fraud event occurred on XX/XX/XXXX. An appeal had been made with police reports and report from the dmv due to stolen identity. A total of XXXX was taken from my account with evidence showing this was a result of hacking and scamming. The bank refuses to give me money threatening to send to collections and being taken to court. Decision that no fraud activity was made on XX/XX/XXXX. Appeal decision was also denied was made on XX/XX/XXXX
Product: Debt collection

Chase Credit card account was agreed into settlement in XXXX at a balance of over {$10000.00}. The collections agreement was to make {$200.00} payments for a year and the collections would be closed with the rest being discharged XX/XX/XXXX. I Paid all required payments totaling about {$2400.00} directly to the collection agency. The collection agency sold it again and again without my knowledge until I attempt to purchase a home and find out it's still on my credit report. Was sold to a XXXX XXXX XXXX which started a lawsuit and then served my old address I have not lived at in over 3 years. In the due process I received from the courthouse it states in the court documents they served someone described as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX the individual who served the papers is named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which I am very obviously a woman. A judgement by default was then filed against me XX/XX/XXXX that I was never aware of and had already paid off. I have mailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX requesting information and stating that the account was paid in settlement and I do not owe said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 9 STUDENT ACCOUNTS THAT ARE IN FOREBARENCE AND SHOULD NOT BE SHOWING ON MY REPORT PURSUANT FCRA 623 IM DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 7 CLOSED ACCOUNTS WITH BALANCES THAT ARE SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE PURSUANT TO FCRA 623 I'M DEMANDING THE REMOVAL OF THEM ALL.

THERE ARE 5 TOTAL LATE PAYMENTS ON 2 ACCOUNTS THAT ARE CLOSED WITH NO BALANCE TO WHICH I DO NOT RECOGNIZE AND SHOULD BE REMOVED FROM MY REPORT PURSUANT TO FCRA 623 THERE ARE 3 INQUIRIES THAT I DID NOT AUTHORIZE PURSUANT TO FCRA 604 I'M DEMANDING THE REMOVAL OF ALL OF THEM
Product: Checking or savings account

A debit card was sent to me in the mail ( XX/XX/XXXX ) tied to an account in my name that I never opened. We quickly called chase and had them close it. It feels like what XXXX XXXX did back in XXXX, where they opened fake accounts and accumulated fees. It feels like a violation of my name and privacy.
Product: Credit card or prepaid card

It happened XX/XX/22 for XXXX dollars. Chase Bank called to inform me that fraudulent charges were billed to my account and was advised to change my email account password. My accounts with chase were suspended.
Product: Mortgage

My home has been foreclose. There is a 3rd party buyer already. It took place on XXXX XXXX, 2015. I am in court right now fighting for a wrongful foreclosure and eviction. I have XXXX lawyers working on this. I am looking for a bank who could finance my loan. It is a winnable situation, because I have very good lawyers. It is very hard, but there will be a light at the end of the tunnel if you will help me get a loan.They are saying the same thing, find a lender to finance my loan.. E-mail address : XXXXXXXXXXXX
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 items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There's lot of inquiry that I have no idea what happened, but there's also address I don't recognize and a social security number also I'm trying to fix my credit reports please I'm reporting it as fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with Ford was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.
Product: Mortgage

I received a mailing in XX/XX/XXXX, 2015 from Bank or America ( my mortgage holder ) stating I owed them approximately {$1500.00}. My mortgage bill for that month had given me XXXX options ( 1. interest only, 2. prinicipal + interest, 3. prinicipal + interest for 15 year payoff ). I chose the interest only payment and paid that amount in full at the beginning of the month. 

I do not understand how they can then ask for more money mid- month. 

In XXXX, I paid the amount that includes prinicpal and interest. 

I received a bill for this coming month 's payment ( XXXX, 2015 ). It states that I owe {$12000.00} for my payment. This amount includes principal + interest for XXXX ( {$5400.00} ), as well as {$930.00} for current period fees and charges AND {$5600.00} for overdue payments, fees and charges. 

The payment I made in XXXX ( {$4100.00} ) is being held separately as " unapplied funds ''. 

I have spoken to BofA on multiple occasions, had my loan " escalated '' XXXX different times. I 've also been told once that the billing mistake in XXXX was to be taken care of and that they would accept my interest only payment in XXXX as payment in full for that month. 

However, I have still been receiving collections calls and billing statements that do not show that the corrections have been implemented. 

The last time I spoke with someone from BofA, was the third time it was being " escalated '' since late XXXX. I was told I would be called back the following day with a resolution. I have not been called back since. That was over a week ago now. 

I have spoken to numerous different people at BofA and have yet to receive any resolution or explanation of what is going on.
Product: Credit reporting

Experian continues to report my mortgage incorrectly resulting in me being denied refinancing even by the institution that currently holds my mortgage ( XXXX XXXX ). My current mortgage holder 's ( XXXX XXXX ) underwriting department indicated they are compelled to go by what is in my Credit Report although they have other supporting documentation. XXXX XXXX also provided me with a letter from their executive office confirming my claim that what Experian is reporting is NOT accurate. Experian keeps sending me cookie cutter response stating the " credit grantor has verified its accuracy ''. Its refers to the credit report. I not only submitted to Experian the letter from XXXX XXXX, but i also circled what was inaccurate on their credit report and referenced the letter. In addition, I pointed out that the negative according to their report status is due to drop off by XXXX XXXX anyway. 
Problem : XXXX XXXX I refinanced my home with my now ex. He took the refinance money which XXXX XXXX can confirm using bank statement and I provided copies of in Civil Court. In XXXX due to his shenanigans, foreclosure proceedings began. I pulled my home out of foreclosure and secured a loan modification with XXXX XXXX ( XXXX XXXX ) in my name only. In XXXX XXXX I was awarded a Quiet Title to my home and have been making payments on time without exception. 
Experian is report my mortgage as an individual account from XXXX XXXX until present which creditors are viewing as I was solely responsible for the foreclosure being initiated. 
XXXX XXXX 's letter clearly states that " ___ is the only one liable for this loan since the modification dated XXXX XXXX. I have enclosed the original Deed in Trust dated XXXX XXXX, XXXX, between ____ and ___ as joint mortgage holders. '' In addition, I provided Experian with a copy of their own credit report from XXXX XXXX, XXXX where they account was reporting by Experian as joint to further prove to them that what they are now reporting is NOT TRUE. The documents are there in their own data base along with XXXX letter generated from an executive in the president of XXXX XXXX 's executive office. 
Experian 's letter further states and I quote, " : we will not reinvestigate the same dispute again at this time. '' I take issue with this because it is clear Experian has chosen not to look at the evidence showing a preponderance of facts that their report is : misleading, biased, inaccurate and continues to adversely impact both my personal and business ability to become whole again and prosper. In fact, this is covert financial abuse.
Product: Checking or savings account

Applied and approved for ppp loan. I do contract work under my social security number. I do also have a small business- but it was left unrelated to the ppp as it is not responsible for paying back the funds approved for my self contract work. Money was deposited to my capital one account as {$20000.00} on XX/XX/2021. I withdrew XXXX on XX/XX/2021 to cover bills that had fallen behind as I should have done. I used my debit card for purchases and withdrew {$100.00} on XX/XX/XXXX as well as {$40.00}. On XX/XX/XXXX, I attempted to withdraw the other XXXX and place in my savings account. However, upon withdrawing the funds instead I was told my account was frozen and I needed to email my tax ein number the start date of my business and a business document TO XXXX. I called the capital one customer service number to find out what was going on. I was told there was nothing anyone could tell me except to send in my tax ID information as if they dont understand I obtained the ppp loan with my social security number. To satisfy all 3 I simply sent my EIN  from the IRS directly to the email and brought copies into the local branch on XX/XX/2021. I am completely confused and dismayed that they need information from my business that is unrelated to the ppp to investigate my account because I was granted ppp loan!! The loan was applied for with my social security number- and my contract work! It is unrelated to my business as my business is too small to qualify for ppp loan, making only a few thousand a year! Today, I receive an email saying that I need to call because of a fraud alert. So I did and the lady tells me they are going to closet account and not release any funds that were in the account! My paycheck goes in there, I deposit payments from my contract work into the account, I have so much more in that account than just the PPP loan! And to add insult to injury Ill be the one responsible to pay the SBA back funds that capitol one has stolen from me! Especially during a pandemic it is immoral to keep Americans hard earned money or any relief the government sees fit to provide! I have no debts with this account and it has been in use for over 19 years!! This is absolutely rediculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4TH Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX - XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX XXXX XXXX. Please remove this account ASAP.
Product: Debt collection

After receiving a notice that the credit bureau had been compromised, I had multiple situations where someone is doing fraud on my identity so I investigated my credit report and found multiple inaccurate accounts on my credit report. They need to be deleted. 

Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX associate, I am writing to formally dispute several inaccuracies on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681n regarding civil liabilities and the necessary accuracy mandated by 15 USC 1681e ( b ). I request your immediate attention to the following accounts, which I believe are inaccurately reported and negatively impact my creditworthiness. 
The accounts in question are : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I know and can prove these accounts are reported inaccurately in multiple ways, which is a violation of the FCRA. As such, I am requesting that these inaccuracies be corrected, so that they be deleted from my credit report entirely. Additionally, I would like any previous addresses removed, as I currently reside at the address listed above. Furthermore, I am aware of the recent data breaches that have affected the integrity of credit reports, including mine. This situation exacerbates the necessity for accurate reporting and fair treatment of consumers under the law. Please take notice that should these inaccuracies remain on my report, I am prepared to file a claim for damages as permitted under 15 USC 1681n, which allows for statutory damages of up to {$1000.00} for each violation. I am also filing a complaint with the Consumer Financial Protection Bureau and the Better Business Bureau. I request a prompt investigation into these matters and a written response detailing the results of your investigation within the legal timeframe allowed by the laws that govern credit reporting agencies. Please find attached any supporting documentation to substantiate my claims. 
Thank you for your attention to this important matter. 
Sincerely, My contact information is above. See some of my attached supporting documents. I have sent this via certified mail so you and I have proof of delivery.
Product: Credit reporting or other personal consumer reports

Received a letter from XXXX bank stating I was denied for a credit card when I didn't apply
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX personal loan accounts XXXX XXXX and XXXX currently closed a XXXX XXXX XXXX Account in Collection and 5 inquiries From XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I paid off my loan with Home Point Financial over a month ago and they shorted me on the amount of escrows they owed me. I am owed still over {$4900.00} dollars which I have called several times and they said they don't know where my escrow money is and I have been waiting weeks to get my refund back. I feel like there is something very deceptive going on with my escrows over {$4900.00} I believe might have been stolen or embezzled. I am a veteran and need help to get my money back. I have made several call ( hours of my time on hold ) and keep get the run around saying they don't know where my money is.I paid my loan off on XX/XX/20. The loan number is XXXX and their phone number is XXXX This company keeps saying they sent my money off to pay property tax knowing that I had a XXXX balance due with the county. Please help, I have repeatedly tried to get this issue resolved with Home Point Financial.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 
2. I contacted as many creditors as possible to request a deferment because of the storm. 
3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 
4. Un be known to me I didn't get the deferment. 
5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 
6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 
7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 
9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed XXXX XXXX was showing a charge off for a credit card. I also noticer the same account was showing under XXXX XXXX XXXX. 

On XXXX I called XXXX XXXX and made them aware of this being fraud. They advised me they no longer own the account. It was sold to XXXX XXXX on XXXX. XXXX was collecting on behalf of XXXX. 

I called XXXX and forwarded them the p [ police report and affidavit they requested. On XXXX they reviewed and after investigation closed the account and deleted the trade line from my bureaus. 

On XXXX I called again to XXXX XXXX. They advised me they could not delete trade line and I needed to call XXXX who was the owner of the account. 

On XXXX I called again to XXXX XXXX and they advised me they would send an email to an internal dept, but didn't think they could have it removed. 

I would like the trade line removed from XXXX XXXX as the account was fraud do to ID theft and furthermore they no longer own the account.