23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

New Mexico XXXX  retroactive benefit balance backdate backpay, last month said wait two weeks and here we are can not get through to no one but I am still receive n weekly claims but have not received backdate payment from XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I unfortunately have fell victim of my identity being compromised over the past few months. After reviewing a copy of my credit report I noticed several accounts reporting that I never seen before XXXX XXXX, XXXX, XXXX XXXX and several more accounts I've never been associated or received, money 's, goods, or services. Experian sent me a copy of my credit report but failed to remove all of the fraudulent accounts. I am currently working with local authorities in attempt to try to locate the individual responsible. My report I sent to Experian also had several fraudulent addresses that are still displaying on my credit file. I spoke with a representative informed she could not change my address even after I verified all of my personal information. My dispute I sent to Experian did include a detailed dentity theft report from the FTC. I am aware of rights as a consumer along with Fair Credit Reporting Act laws and statues.
Product: Debt collection

On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.
Product: Credit reporting

I have this happen every six months and it needs to stop this is violating my RIGHTS. I do not know what else to do. Transunion, your company has someone else social, addresses, accounts and name listed on my personal credit file. This HAS TO STOP! It is not fair to me. 
REMOVE THE FOLLOWING WHICH IS NOT ME Name NOT MINE XXXX XXXX XXXX SOCIAL NOT MINE XXXX MANY ADDRESSES TO MUCH TO LIST AND ACCOUNTS XXXX # XXXX, XXXX XXXX AC # XXXXXXXX # XXXX XXXX # XXXX. I CONTACT YOUR COMPANY IN XXXX AND IT WAS FIXED A COUPLE MONTHS LATER YOUR COMPANY PLACED ALL THE STUFF BACK ON. AGAIN NOT FAIR TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00}.
Product: Checking or savings account

Received email promotion from Chase on XX/XX/2022 Get {$600.00} for both ( an extra {$100.00} bonus ) Chase Total Checking + Chase SavingsSM Open a new Chase Total Checking and a new Chase SavingsSM account and get {$600.00} when you open both at the same time and complete qualifying activities. 


Opened up both checking and saving account online and completed the requirement. but only received {$300.00} for the checking account. Contacted the bank multiple times this week, every time they just asked me to contact another department and not able to provide any resolutions.
Product: Credit reporting or other personal consumer reports

Account still open account paid off paid in full never late account good status needs to be updated with all CRAs. 
PERFECT PAYMENT HISTORY NO LATE PAYMENTS PAID CURRENT STATUS OPEN CURRENTLY
Product: Mortgage

On XX/XX/2020, the Bank of America Mortgage Dept withdrew two payments from my checking account, each for {$1700.00}. However, I confirmed with my mortgage lender that only one payment was due. When I tried to call Bank of America, they told me to wait until the following week to call back, since they had a " system crash ''. 

I called on XX/XX/XXXX. In that phone call, they admitted that the second withdraw of the {$1700.00} was a mistake, and that they would reverse the payment by XX/XX/XXXX. But that date passed and they did not reverse the payment. So I called again on XX/XX/XXXX. On XX/XX/XXXX, they said that they would reverse the payment soon, but it may take another 7-10 business days. 

On XX/XX/XXXX, I went to a Bank of America location to ask for help, and they said that they'll work on it. It has now been 18 business days since the original withdrawal, and Bank of America has still not refunded me the {$1700.00} that they owe me ( by their own admission ). Neither has it issued me a provisional credit. It has taken no action to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER CREDIT REPORTS DO NOT FIT MY STANDARDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are all in direct violation of my federally protected consumer rights under Title 15, Chapter 41. Please see the attached letter sent to each for further details. Pursuant to 15 USC 1681a ( 2 ) ( A ) and 1681a ( 2 ) ( B ) a consumer reporting agency XXXX XXXX Equifax, XXXX XXXX must exclude a report containing information solely as to transactions or experiences between the consumer and the " person '' ( corporation ) making the report and must exclude any authorization or approval of a specific extension of credit directly by the issuer of a credit card or similar device yet each of the three above mentioned consumer reporting agencies have included such information in the consumer report. XXXX  additionally has been using stall tactics by sending notifications that they find my submissions " suspicious '' and refuse to honor my request to delete such information.
Product: Mortgage

i was not properly assisted in a loan modification in XXXX  ultimately causing me to lose the house with XXXX kids. 

i have wells fargo to see if i am eligible for a payment with the XXXX XXXX class action lawsuit and they said i am not eligible. how could i not be eligible when they have admitted to wrong doing and improper handling of loan modifications property address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  There was a inquiry listed on my credit report in which I didnt associate with. Ive reached out to the company multiple times where I was told they will remove the inquiry however they havent.
Product: Debt collection

The credit agency IC system, reported the amount of XXXX XXXX, XXXX and it shows in my credit report that is negative and thats not the I owe. And i need for you to take that out of the credit report because its affecting it. I already paid the account i already paid the credit agency " XXXX XXXX. " The account number is XXXX Original Creditor Client Ref # XXXX, and the phone number is XXXX. The balance was XXXX which was already paid, but i need the agency IC system to take that off my credit because its affecting it, and they are n't the Original Creditors in which i already paid, my phone number is XXXX, Thank You.
Product: Checking or savings account

On XX/XX/2022 a mobile deposit check was deposited into my teen checking bank account without my knowledge. The mobile deposit was in the amount of {$2300.00}. The person then used XXXX to send their selves {$400.00} on XXXX XXXX. On XX/XX/2022 the person mobile deposited another check in the amount of {$3800.00}. The person used XXXX to send themselves {$1000.00}, {$500.00}, {$300.00}, and {$400.00} on XX/XX/2022. On XXXX XXXX the person used XXXX XXXX send their selves {$1000.00} and {$400.00}. They then went on to transfer {$2000.00} to my savings account. On XX/XX/2022 they wire transferred {$2000.00} to a XXXX  XXXX XXXX account. I reported the fraudulent check of {$2300.00} on XX/XX/2022 which was visible to me. Wells Fargo Bank Closed my account and created a new account on XXXX XXXX at XXXX am I saw another check in the amount of {$3800.00}. I called Wells Fargo to report the second check which made my account negative {$6200.00}. On XX/XX/2022 Wells Fargo completed their research on the unauthorized mobile deposit checks. The letter states that Since the deposit ( s ) from your account on XX/XX/2022. The adjustments have resulted in no loss to you. We also reversed any fees charged to your account as a result of the unauthorized deposit. I then called on XX/XX/2022 to see why my account was still negative. I spoke to XXXX in the claims department who told me that the claim was not put in correctly. He gave me another claim number for the XXXX transactions and a research claim number for the checks because they were untraceable. I reached out on XXXX XXXX where I was told the claim was closed on XXXX XXXX. When I asked the claims department employee XXXX why the claim was closed they could not give me a valid reason. I was told for my case to be reopened I would have to file a police report. I filed a police report on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I was sent money on XXXX. This transaction immediately was seized for review. I was informed that it would be reviewed and released in 72 hours. I've had this happened before and it usually clears up 72 hours. 
The next day I receive a request for additional information. A date of birth from a name listed on the transaction list. Not only do I not have that information that is protected information that I can not release. I reply telling them what the payment was for, and that I couldn't release protected information. I go back and forth through the resolution center, and just keep getting repeated requests for this DOB. I contacted the person that sent the money, and they tried to pull the transaction. They were told they needed to contact me and resolve it with me. So I tried using the message center. They told me to disregard the request for DOB because that was irregular and to give a information as to what the payment was for and why it was sent. Which I then did. And then I got another email stating that I didn't give them the DOB they requested and they needed the DOB. I did this 3 more times with the same results. Now I'm trying to cancel the transaction and refund it, so that the sender can try resending a different way. They keep dodging me and now I have XXXX $ that is frozen in the Paypal account because they are demanding information that would be illegal for me to give them even if I had it.
Product: Debt collection

This debt was reported on my credit inXX/XX/2017. I do not owe national credit system at all they are stating I owe XXXX. Ive called several times to explain I dont owe the debt this company is very rude they also provide wrong information. Ive been trying to dispute this matter for the past 2 years this company will not budge. But they will send repeated phones to the point I had to change my telephone number. I never received notice that I could dispute this matter from national credit system they kept saying they were going to send documentation that owe this debt and that this was a joint account Im not respond or this account. And Im tired of the harassment I shouldnt have to change my number in order to stop receiving calls from multiple numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to this organization and I was told by a representative XXXX  and would not give her last name I was unable to report in accurate fraud and identity theft on a account thats been open without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report i noticed that there were inaccurate accounts and information on my consumer report, the consumer reporting agencies never gave me my right to opt out and further more they never asked for my permission to furnish this information. further they have assumed this vital role and have infringed upon my right to privacy selling my information to a 3rd party debt collector, in pursuant to 15 USC 1681 ( 4 ) my privacy has been invaded and damages have been done, the damages that arose were to my mental health, my financial situation and its also stopped me from traveling to and from work.Also Ive been a victim of brutal harassment violating 15USC-1692d as well reporting to my consumer report without my written consent or approval violating 15USC-1681b also falsely and inaccurately reporting to my consumer report violatingThe Fair Credit Reporting Act ( FCRA ), 15USC-1681 in essence tarnishing my consumer report and my reputation, deeming me untrustworthy to other lenders.
Product: Mortgage

I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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 are the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1700.00} 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: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX submitted a request to this company long time ago to cease and desist regarding a debt not owned and was paid off. However, recently I received a call and letter from them when I asked not reach out to me anymore. Proof was submitted that the account was paid off. Ill contact my lawyer if you guys dont stop and keep harassing me. Lastly, I would like this company to not report this to my credit report since that account was paid off already and the lender closed the account.
Product: Mortgage

My mortgage/escrow holder refuses to change the payment date to my Home Owners Insurance policy. It is due XX/XX/XXXX, but payment is always late, paid XX/XX/XXXX this year for example. That's the mailing date- the payment may take another 3-5 business days to post. 
Several emails ( unanswered ) and phone calls have not resolved the issue. They say their system can not process the payment earlier.
Product: Credit reporting

I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.
Product: Credit reporting or other personal consumer reports

I Did not authorize these company 's to run my credit this is fraudulent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). 

The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.