23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with Aldous & Associates. After my first complaint they have now blocked my number from calling them. I had to call from a different number for them to answer. The first agreement I had with them was pay for deletion. After they received my full payment they completely disregarded the agreement and stated they did not have the power to remove the account from my report. I called again from a different number after the first complaint, and the person I talked to told me they do have the power to remove an account from a credit report. They put me hold to talk to a supervisor and the supervisor never answered. They left me on hold, and then hung up the phone again. I had to call again from another number and they then told me the supervisor was in a meeting. This company pathologically lies and they are extremely rude. They never answer questions directly and constantly deflect all questions. They lie, harass, and make false promises to collect a debt. Once they receive a debt, they completely disregard you.
Product: Money transfer, virtual currency, or money service

i have XXXX my friend sent me a total of XXXX dollars so that i could make my co pay and get my medicine. it was sent to me in XXXX separate transactions on venmo. the next thing i know i go to withdrawal the funds and the account is frozen. i had already been verified but yet i resubmitted my identification along with birthday and social security number. then i received an email saying my account was deactivated and after XXXX days i could ask to retrieve the money. that is unacceptable i am still without my medication and no explanation as to why my account was deactivated. at this point i want nothing to do with venmo i just want my money
Product: Debt collection

I have communicated to the company on the several occasions that this is not my debt! I have written four times. I have a filed police report and FTC report. Their verbal and written responses have been to abusive and harassing collecting tactics refusal to remove the fraudulent account from credit reporting agencies. Below is a summary my most recent communication with redacted personal information. 

'This not my account. I NEVER gave you or the original debtor my SS # or my DOB! You have not provided any confirmation that the DOB and SS # that you have is indeed mine! If you or the original debtor have obtained my PII ( personal identifying information ), it is by fraudulent means and identity theft. XXXX does not have an account opened by the original debtor and there are no inquiries that an account was ever opened! There has never been account opened under my name. The SIGNATURE IS NOT MY NAME!!! NO ONE HAS AUTHORITY TO OPEN AN ACCOUNT IN MY NAME NOR H ACCESS TO MY DOB OR SS #. I FILED A POLICE REPORT, case report R.D. # XXXX which I provided to you in prior correspondence and a IDENTITY THEFT REPORT with the FTC, report # XXXX  I have filed an official police report and identity theft report. Again, this is not my account and I am not responsible for it. Close this account and discontinue collecting and reporting.
Product: Credit reporting or other personal consumer reports

I have tried to remove outdated addresses from my credit report with Experian however, they refuse. XXXX and XXXX both have removed the outdated addresses however, Experian continues to report them. With the increase in identity theft, I am concerned about credit card offers and other sensitive information getting in the hands of the wrong people. My creditors already have the correct address on file however, Experian refuses to remove these addresses.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and I will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them from them months but I just remembered I could file report on here as I feel they are not doing thier job properly and it is effecting me a great deal as I used Paypal quite frequently. I have money balance there..My email linked to my PayPal is XXXX XXXX
Product: Student loan

XX/XX/2019 I am trying to call customer service of Navient to start repayment of my student loans.

Every time I call I am put on hold for over 20 minutes with no response other than terrible 80 's music blaring in my ear and an automated voice message telling me how great Navient is.

It would be nice if I could actually get a real person to talk to instead of a machine for over 20 minutes. This is terrible customer service. Answer your phones.
Product: Debt collection

I have summited on the last complaint three account that PORTFOLIO RECOVERY is collecting. From their response from my letter they ONLY responded to two of the account. The account number XXXX I never received anything. Also on the response that they uploaded to CFPB they did provided paperwork but one of them is from XX/XX/XXXX and XX/XX/XXXX was sent to XXXX XXXX XXXX  which I have stopped doing business them at least two years ago. Since I never received anything for this account XXXX PLEASE delete this tradeline from all three credit bureaus. I am going to attach the letters that i sent them also the response i received from them in which case their is no response for account XXXX. They have my correct address since they send me a letter with no information I requested to validate the account that they are collecting on.
Product: Checking or savings account

There are several times that I was charged in overdraft fee even though the money was in my savings account and could be transferred over to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on my credit report shows accounts not belongs to me the accounts are fraud they used my Identity and some one used this is a identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX Account # : XXXX Balance : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

US BANK MORTGAGE XXXX InXX/XX/XXXX we purchased a new home via XXXX XXXX who then sold on the mortgage to US Bank. By XX/XX/XXXX they said the ESCROW has roughly a {$1000.00} shortfall. This is unusual as the Property Taxes were reduced from the XX/XX/XXXXcalculation after a successful appeal to XXXX obligation board. <P/>Therefore the ESCROW should show a net positive. <P/>Also US Bank signs the ESCOW as correct for the first 2 years when buying the loan so any shortfall is down to them under mortgage buying rules.
Product: Credit reporting or other personal consumer reports

Equifax XXXX Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Method of Verification request- Request for Description of Procedure Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Equifax, I am writing to formally request a description of the procedure used to determine the accuracy and completeness of the information I disputed, as per my rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ). 

I disputed the account with Equifax on XX/XX/XXXX of XXXX Equifax did not attempt to review my specific concerns listed within my complaint, nor verify the mentioned dispute as accurate despite its inaccuracies. Ive listed below the report number, attachment of the account reflecting its inaccuracies as well as the notice received from XXXX confirming verified. 

Equifax initial dispute in request ( s ) - XX/XX/XXXX I am writing to dispute an inaccuracy and unauthorized inquiry on my credit report. Upon reviewing my report, I found an inquiry on my Equifax credit report in error. I request that the inquiry for Factual Data Consumer dated - XX/XX/XXXX, be removed from my profile. I did not open an account and I do not recognize the inquiry. Please remove this inquiry from my report immediately. 
For the following reason : Inaccurate reporting under the inquiry section. Your investigation of this dispute was marked as completed on XX/XX/XXXX because you filed to properly conduct and perform your own investigation.. 

I am now requesting a detailed description of the reason ( XXXX ) why, and the procedure that was used during your investigation. Specifically : Who did Equifax contact or interview regarding this account? 
Who did Equifax rely on to review this account account dispute? XXXX XXXX or Human? 
Why did Equifax not read my dispute request and attempt to investigate? 
How did Equifax verify the accuracy and completeness of the information provided? 
What documentation or evidence was reviewed to come to this determination? Equifax response. Please be specific with your concerns by listing the account names, numbers and nature of dispute This information was provided in my initial CFPB complaint submitted on XX/XX/XXXX -ID number : XXXX. This request was overlooked and deliberately ignored. 
What documentation or evidence was reviewed to come to this determination? 
As required by the FCRA, please provide this information within specified days given upon receiving this letter.This is my second time disputing this matter with Equifax. I urge you to resolve this issue promptly, as continued failure to comply and accurately report on my credit profile is a violation of the FCRA. If this inaccurate information is not removed, I am prepared to escalate this matter further, including file an additional complaint with the CFPB and seek legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your detailed response. 

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

There is an Inquiry on my credit report that shouldn't be on my report from a company called Bb & T from XX/XX/2019!!! I want this inquiry removed as soon as possible. My named is XXXX XXXX XXXX. The persons name this inquiry belongs to name is XXXX XXXX XXXX!! Please removed this item at once from my XXXX credit report. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to receive copies of documentation alleged to have been verified by TRANSUNION. As a consumer, my right to privacy has been grossly violated by TRANSUNION. It is the duty of the TRANSUNION to report accurately and I strongly challenge the validity of the information TRANSUNION is displaying on my report. 15 USC 1681 ( a ) ( 4 ) places the responsibility on TRANSUNION to respect my rights to privacy. Not only that, it is the responsibility of TRANSUNION to report fairly 15 USC 1681 ( a ) ( 1 ). Written instructions have not been supplied to justify the reporting and continued reporting of these accounts as required by law. 

Additionally TRANSUNION stated they investigated my consumer report. According to 15 USC 1681a ( e ) an investigation should NOT include information received from a creditor but from 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 ( s ) he is acquainted or who may have knowledge concerning any such items of information. TRANSUNION failed in their duties to properly investigate as defined by the code. 

TRANSUNION is to be held civilly liable for any actual damages sustained for willful non compliance as we as pure negligence according to 15 USC 1681n and 15 1681o. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/ XXXX ( all of them ) XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX of 2016 I was the victim of a cell phone ( smartphone ) theft. The police report is attached. Due to that there was a avalanche and domino effect of low level identity theft. I am not rich therefore there is n't much for a thief to take. However, what I have I am proud of an I take honor in maintaining. The person who took my phone ( I 'm assuming ) was able to deplete my checking account as I had several virtual cards and other sensitive information there for the taking, unfortunately. This left me without funds other than what was in my pockets or at my home. I eventually was able to have every penny given back to me but it was weeks before this happened completely. I had to block my bank account to prevent further damage and as a result could n't pay my Chase account in a timely fashion. As a result, the payment was late and I went from a great customer to a one with a 30 day mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I am tired of going back and forth with this company and get nothing. I want these items removed, They are breaking the law reporting inacurrac=te information, Nonne can tell me who was contacted. how it was verified, and I don't want ti was verified by the computer e Oscar, I want a person who was spoken to and all information. I have done my own research and I know they are fraud, REMOVE FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} Experian XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX  - XXXX XXXX XXXX {$870.00} XXXX  - XXXX XXXX XXXX {$870.00} Experian- XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, Experian says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX  says the account was charged off XX/XX/XXXX after being late for 90 days.
Product: Mortgage

Well I got approved for a XXXX percent down owner occupied multi family home XXXX XXXX. Chase Bank underwriting team XXXX later then denied my owner occupied property and approved me for a impossible loan for XXXX percent and as a investment property. Chase bank never gave me a accurate explanation on why my XXXX percent loan was denied. I got different inaccurate information, like I did not turn in all forms, I gave chase lender everything that was required and requested, I believe this is discrimination based on my race, im well qualified for this loan that they approved already but XXXX week later took back for a unknown reason, I will like this matter investigated, thank you
Product: Credit reporting or other personal consumer reports

This is to follow up to request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items. Please help me remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My real estate agent recommended Quicken Loans ( Rocket Mortgage ). I started working with XXXX XXXX XXXX # XXXX in XXXX of 2020. After he run my credit and evaluate my documents I was given a {$350000.00} pre approval letter and he told me I can shop for apartment and it will be an easy closing. In a meantime I was getting phone calls from their sales team on a daily bases asking me to use the letter and pick a unit. 
I finally found a unit and the seller accepted my offer. After several days I received a phone call from XXXX and I was told that my tax amount is not sufficient and they can't approve my application. When I asked why he didn't tell me that in the beginning his reply was " I was busy moving from XXXX  to XXXX  and didn't look at your file properly '' I filed my taxes in XXXX and asked QL to assign a different banker so I don't go thru the same bad experience again. I received a phone call from XXXX XXXX XXXX # XXXX who is XXXX 's director and he gave me all sort of guarantee and promises that my numbers are good and he will make sure everything goes smoothly. 
I found a condo and seller accepted my offer.The next day I was introduced to XXXX XXXX who's a purchase specialist.I was advised to go with 15 % down instead of 20 % and pay little mortgage insurance which I agreed to. 
The whole process was everything but not smoothie was hard to get answers and level of customer service is poor. Anyways I could see movement and the closing day was approaching. My lease ended on the XXXX of XXXX and XXXX told me we can close on the XXXX so I put my stuff on rental truck and moved to a hotel waiting for the next Friday XXXX. 
On the XX/XX/XXXX I received a phone call from a person who works as mediator for the company. He told me they just realized that the building savings aren't sufficient and we can't close on the deal unless I put an additional 10 % down or $ XXXX.I was shocked because that a large amount that I couldn't afford. I was told I can't communicate with XXXX or XXXX unless I come up with the funds.That person was arrogant and he didn't want to hear me out. 
The next day I was contacted by XXXX XXXX a resolution advocate for the company and she tried to smooth the things and promise me that we can work on this and she will be in touch with me. 
I was left homeless, and now the seller tried to block my {$30000.00} escrow money. 
XXXX asked me for all hotel, storage, rental receipts assuring me she will do her best to cover my expenses. 
Today she told me she conducted two investigations and she agrees that my file was mishandled but Quicken Loans can't cover my living expenses while this is ongoing.She also gave me resources in case I decide to file a lawsuit for damages.
Product: Mortgage

Hello, We refinanced our home with XXXX XXXX XXXX XXXX, XXXX in XX/XX/XXXX. Our closing date was XX/XX/XXXX. We have an escrow account set up with XXXX XXXX XXXX XXXX, XXXX. Our loan is serviced by LoanCare LLC. 

Our School taxes for XXXX were due on XX/XX/XXXX. On XX/XX/XXXX I had contacted the XXXX XXXX XXXX Collector ( XXXX XXXX ) for a copy of our Tax Statement. That's when i found out that our School Taxes weren't paid and are now delinquent. I contacted LoanCare , LLC on XX/XX/XXXX and opened a case ( Ticket # XXXX ) with them. Since then I have contacted LoanCare , LLC multiple times via phone and secure message but as of XX/XX/XXXX our school taxes still haven't been paid. LoanCare , LLC disbursed a payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All 3 times the County returned the payment because the amount was incorrect. The penalty is increasing with every month that the school taxes aren't paid. 

Taxes Due as of XX/XX/XXXX : {$8500.00} Taxes Due as of XX/XX/XXXX ( including late fees and penalty ) : {$9800.00} If not paid by XX/XX/XXXX - taxes due will be {$9900.00} I want LoanCare , LLC to pay my taxes ASAP and only charge me the original amount {$8500.00}. The penalty, late fees and any other charges should be paid for by LoanCare , LLC because this was an error on their part. 

Please help me resolve this issue. 

XXXX, XXXX