23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX my husband ( XXXX XXXX ) had XXXX dollars left his account in a form of wire transfers. Chase requested that we wait 10 business days to find the results of how they will handle this matter. Yesterday was the 10th day and we were told verbally that we will not be reimbursed and the cases were closed.

There are three other wire transfers which have yet to be decided by Chase.

My husband and I were never informed by chase that were any fraud alerts or wire transfers. We received notifications from our daughter on Monday the XXXX of the wire transfers that were already sent. However we nor she approved any of these transactions, meanwhile my husband was informed that the money would be replaced on Tuesday by the " Chase '' fraudsters. 

On Tuesday the XXXX my daughter and my husbands went to Chase to discuss the loss of XXXX and the same day the fraudsters attempted to do three more wire transfers, one was stopped by chase.
Product: Credit reporting or other personal consumer reports

I placed a credit freeze with all three credit reporting agencies on XX/XX/XXXX. Now I can not sign in to Experian to manage my credit freeze. Online at Experian.com it says my username and password do not match. When I go to try to sign in another way it says theyll send me a text to my phone but I never receive the text. If I try the forgot password option, again they say theyll send a text but when I enter my phone number it says they have no record of that number with my account. I tried calling their phone numbers XXXX XXXX and they say theyll send a text but it never arrives. I tried XXXX XXXX and couldnt speak to anyone, I only got the automated menu which didnt work for me. I tried installing the Experian app on my phone but still couldnt access my account. 
On XX/XX/XXXX I accessed my Experian account online and downloaded a credit report that showed correct address & phone numbers, report XXXX XXXX. There is no reason to not be able to sign in to manage my credit freeze now, my information hasnt changed in over XXXX years. 
I was just disapproved for a loan through XXXXXXXX XXXX because of the credit freeze I couldnt temporarily lift. 
I can provide copies of my credit report from XX/XX/XXXX proving previous online access to my account and I can provide copies of the loan disapproval letter from XXXXXXXX XXXX showing how this lack of account access at Experian has been detrimental to me. 

Experian shouldnt be able to place credit freezes on someones credit if they wont allow access to manage it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEW AN UPDATED INFORMATION I will like to know who did you interview to investigate my consumer report because it can only be with neighbors, friends, or associated of the consumer and such information shall not include specific factual information on a consumers credit record obtained directly from a creditor. 
I will like for your company to do as I say and to pay remedy for your company committing fraud 15 USC 1681a ( q ) ( 3 ). EXPERIAN has committed identity theft this information must be removed ( XXXX XXXX XXXX XXXX XXXX ). Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) Reported information can not be only transactions and experiences between the consumer and the creditor.

Pursuant to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 USC 1681q Obtaining information under false pretenses any person which includes an organization such as EXPERIAN who willfully and knowingly obtains information on a consumer from anther consumer reporting agency without written instructions or authorization pursuant to 15 USC 1681b is information obtained under false pretenses. I XXXX XXXX the ( consumer ) did not give written instructions or authorization. 

15 USC 1681n ( a ) ( 1 ) ( A ) Willful failure to comply with any requirement under the FCRA is damages up to {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently removed from my credit file. 
Fraudulent Account : XXXX - XXXX - XXXX - $ XXXX Fraudulent Inquiries : XXXX XXXX OF XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Collections company is reporting inaccurate my auto loan is paid per obligation of the united states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and noticed I have 6 fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.
Product: Mortgage

My mortgage company has sent numerous letters indicating that I am required to have flood insurance. I have each time responded by sending a copy of my LOMA paperwork proving that my residence in NOT in the flood zone. Despite this, they have purchased flood insurance on my behalf and refuse to make any attempts to resolve this issue. Today I have called twice and each time they have hung up stating they can not assist. 
I have attempted to get flood insurance through other companies and they all tell me I am not required to have it according to the XXXX website. I am at a loss and am not sure what to do next. They insurance they have purchased on my behalf is significantly more than other companies can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. 
THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports!

Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

I am making this complaint for Navy Federals willful violations and non-compliance. 
Please assist in helping me get remedy for my consumer rights. Thank you in advance.
Product: Mortgage

I moved into a new home on XX/XX/XXXX. My first payment was due XX/XX/XXXX through XXXX XXXX home mortgage which I paid. XXXX XXXX sold the mortgage to Provident Funding thereafter. I have a 60 day grace period to make my first payment to Provident so technically it was not due until XXXX. I made a payment to Provident on XX/XX/XXXX anyway and then created online autopayments on XX/XX/XXXX. My understanding is that the autopayment would be for the next month since I had already paid for the month of XXXX. Provident Funding debited my checking account twice on XX/XX/XXXX. I asked for the second payment to be refunded and they told me they could not do this without seeing the balance in my checking account. I don't feel that this is relevant information, Provident should not need access my checking account details to refund money that should not have been debited for another month.
Product: Credit card

Please help me with Citibank in regards to my Home Depot account. I 've contacted Home Depot / Citibank several times regarding a XXXX 2015 late payment they reported to my credit bureau. I 've provided a detailed explanation to Citibank and asked them to remove the one late payment report from my credit bureau record due to my hardship which they refuse.to do citing FCRA requirements. I 'm a XXXX XXXX veteran had suffered recent tragedies which included the death of my young son, a XXXX by my mother and the loss of my job of 15 years. I made the XXXX 2015 payment late as it was an oversight given the events in my life at that time. I was never late with Home Depot payments before or after the XXXX 2015 payment, however, the negative impact to my FICO score related to Citibank/HD reporting me late has given me additional hardships because it has impaired my ability obtain financing from other lenders. I 'm not sure why Citibank refuses to assist a customer in need and not understand that sometimes terrible things happen to people and they as a lender should provide assistance instead of additional hardships and/or hurdles. I understand Citi/HD XXXX not feel there is a regulatory requirement to assist customers in need like me, however, I 'm hoping that with your help perhaps they can have some compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as a potential victim according to their equifaxsecurity2017.com website
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

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 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 of 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

Inquiries to my Trans Union Report occurred without my knowledge and approval. The following inquiries are fraudulent : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX
Product: Student loan

I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. 

Can you please help to shut this company down?
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX, a period of over 3 months, a XXXX XXXX XXXX, mortgage originator, XXXX XXXX, handling a conventional cash out mortgage refinancing, undertook that refinancing at XXXX XXXX. During that time XXXX XXXX, NMLS Number XXXX, made repeated intimation that the mortgage application had been sent to processing, was processed, and all that was waiting was an appraisal. We waited over 2 months subject to such intimations for an appraiser to arrive. Thousands of dollars of cosmetic work was done to the property. Late XX/XX/XXXX, it was disclosed that XXXX. XXXX XXXX did not ever send the request for an appraisal. Then, it was subsequently disclosed by a party purporting to be XXXX. XXXX XXXX XXXX " supervisor, '' a XXXX. XXXX XXXX, NMLS Number XXXX, that XXXX. XXXX XXXX had n't included XXXX XXXX dollars to XXXX XXXX dollars of oil and gas properties owned by the applicant on the mortgage application, all documented assets owned per XXXX 's, leaving the debt to asset ratio affected, complicating the mortgage application. <P/>During the entire time, the DPOA for the applicant, a political person, one of the largest in the jurisdiction in question, XXXX XXXX, and XXXX XXXX XXXX XXXX, and the applicant 's son, was repeatedly questioned about his business activites, the XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX 's own XXXX  XXXX in Montana, or that of her family, along with his associations with the Donald John Trump Leadership Conference and XXXX XXXX XXXX XXXX, and the XXXX XXXX of the United States. When XXXX. XXXX XXXX 's conduct came to light and her supervisor 's contact information was requested, XXXX. XXXX XXXX texted from her private cell phone " She just really wanted to find a solution '' to bar involving her supervisor. <P/>Then, in XX/XX/XXXX, someone at the bank reversed a mortgage payment for reasons yet to be disclosed by the bank, seemingly aiming to damaging the applicant 's mortgage application from a malicious impulse rooted in political animosity along with general personal animosity. After the matter was brought to the bank 's attention -- That respective matter was reversed curing that immediate matter. <P/>At this time, the bank in the person of XXXX XXXX, is refusing to account for his colleague 's conduct, the bank 's politically motivated subversion of a standard mortgage application, and is refusing to account for millions of dollars of assets, real property oil and gas interest, which do not appear on the application as processed by XXXX XXXX to the bank 's mortgage processing division. <P/>The applicant 's DPOA has been threatened by XXXX XXXX, hung-up on, and suggested to go XXXX himself : XXXX. XXXX XXXX acting to serve the interests of his colleague as opposed to interests of the bank and the bank 's client subject to the legal rights and protections of the bank 's client.
Product: Credit reporting or other personal consumer reports

I dont understand why they cant find my credit information.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against Navient, a previous student loan servicer. The account is now closed due to loan consolidation. In XX/XX/year>, Navient submitted a 90-day late payment notice to all three credit reporting bureaus. To the best of my knowledge, the loan was on deferment for years because of difficulty paying. Yearly, I would call to request a deferment. To the best of my knowledge, the deferment was good for a year. So, it was a surprise when XXXX notified me of negative information on my credit file. I had no information from Navient that the deferment had expired. 

Upon learning of the negative information reported on my credit file, first, I reached out to Navient about the negative information they had reported and requested they remove it. Customer service informed me they couldn't remove the information, only the credit bureaus could do so. I argued that was incorrect. Navient provided the information, therefore, Navient could contact the credit bureaus to have it removed. She refused to honor my request. 

Then, I contacted XXXX on XXXX occasions to dispute the negative information. Each time, XXXX simply forwarded my dispute to Navient and that was it. It did not show how it conducted its investigation. I even submitted an email showing the account was on deferment, to no avail. I have not had any success dealing with either institution. 

On XX/XX/XXXX, I contacted them about the loan since Navient sent me an email regarding the change of status of the account. Of course, they had no information to provide and told me to call back in XXXX. I followed up again in XXXX just to be told that the account was closed due to consolidation, there was no information to provide. So confusing responses.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  ( account number XXXX XXXX XXXX XXXX ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ).

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I paid my lowes bill off in full to XXXX balance, 3 days later they ran my autopay balance and took it out a second time even though my balance had already been completely paid off I called and said you need to reverse the double payment you took out, my account balance was XXXX and you shouldnt have took anything at all out for a scheduled autopay on a account that had a XXXX balance They said we can mail you a check I said no you need to reverse the transaction you were not authorized to pay non existing balances just if I had a balance They refused, I told them I was pressing fraud charges through my bank and writing a report about how they took a double payment out on a account with XXXX balance and almost bounced my checking account doing it Im furious and would like paperwork on how to sue them for emotional distress
Product: Debt collection

On XX/XX/XXXX I requested to move out of XXXXXXXX XXXX XXXX XXXX  XXXX, which was approved by management I believe her name was XXXX. I feared for my life there someone walked into my apartment at XXXX he said his name was XXXX from maintenance and he had the wrong apartment. At the end of XX/XX/XXXX there were over 100 cars that had been broken into in the garage attached to my apartment complex. In XX/XX/XXXX was a shooting in the building and there was someone hiding out in my apartment building for hours, I didnt know the extent of the shooting that I heard in the building until XX/XX/XXXX from another resident. There was knocking on my door and turning the doorknob on multiple occasions. Several homeless people in the building, sleeping in urinating in the elevator and asking for money. I have paid everything in full and my move out ledger shows that I am owed {$39.00}. 
I reported all incidents to the management office.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). 

To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. 

Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.