23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

About 2 months ago, I received a letter from Chase credit card stating they received an application for a Chase Freedom XXXX XXXX credit card using my personal information. The letter stated they needed to verify this is really me. I received the same letter today. I call, give the reference number and am told they will destroy this application. This is twice now! I dont want my credit score ruined, nor do I want anyone using my information to obtain a way to purchase items that I may be responsible for paying for.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized inquiries on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) due to identity theft. I have discovered several inquiries on my credit report that were made without my authorization, and I believe these inquiries were a result of identity theft. 

The specific details of the unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S. Code 1681c-2 ), victims of identity theft can request that credit reporting agencies block information resulting from identity theft. This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information in a consumers file that the consumer identifies as information that resulted from an alleged identity theft. Furthermore, Section 611 ( 15 U.S. Code 1681i ) of the FCRA provides the right to dispute inaccurate information on credit reports. Under this provision, credit reporting agencies are required to investigate and correct any inaccuracies found in a consumer 's credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage previously had a 1.5 million mortgage that never existed on my credit report, had lates that were fixed and never existed, and now is reporting 120-day lates that never occurred as mortgages were in forbearance and then transferred to loan modifications. The recorded correspondences ( numerous ), paperwork doing loan modifications, and email correspondence show in every aspect that there were no late payments and loans are current. I have a XXXX wife from XXXX XXXX XXXX I have to support, and a XXXX child and these sloppy errors massively affect my business and ability to move forward as a result of COVID as credit scores make or destroy reputation and business alliances. 

This needs to be resolved immediately as this unprofessional sloppiness and the months it took for Shell Point to fix the previous 1.5 million mortgage balance that never existed, and previous false lates created lots of damage. These 2 false 120 day lates on 2 mortgages that were approved for loan modifications and more, cased considerable damage. Should these false late payments not be resolved immediately I will more aggressively make it my mission to do massive social media and online campaign to bring forth thousands of other Shellpoint mortgage customers for a class action lawsuit and complaints to banking commissioner.
Product: Checking or savings account

Citibank has switched me over automatically to " Simplified Banking '' and will start charging a XXXX XXXX monthly fee unless I establish direct deposit or maintain a monthly balance that's XXXX higher than previously. The only warning about this " exciting change '' was an email XXXX months ago that didn't clarify fee increases, only that they would be " Providing you with opportunities to waive Monthly Service Fees. '' This fee structure is especially inappropriate given that they haven't offered competitive savings rates for years. I would leave Citibank completely since there are obviously better alternatives on the market, but my oldest lines of credit ( notably checking overdraft for this account ) are with them and I'm worried about the credit impacts given that obtuse system. Frankly it feels like Citibank is leveraging the credit system and their historical dominance in an anti-competitive manner.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I WAS SCAMMED BY TWO DIFFRENT COMPANIES. I PAID XXXX  XXXX   {$990.00} WITH A CHECK ON XXXX. I ALSO PAID XXXX XXXX XXXX XXXX 4 DIFFRENT TIMES USING MY AMERICAN EXPRESS CREDIT CARD ONXX/XX/XXXX..XX/XX/XXXX {$390.00} EACH TIME.. {$1400.00} ON XXXX AND ANOTHER {$1500.00} ON XXXX. THESE COMPANIES DID NOTHING FOR ME AND I HAVE TRIED TO GET MY REFUND AND NOTHING HAS HAPPENED.
Product: Mortgage

On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$450.00} On XX/XX/XXXX {$450.00} was returned to our escrow account Taxes should have only been paid once in XXXX for {$450.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8400.00} On XX/XX/XXXX Amerihome paid taxes in the amount of {$8000.00} Taxes should have only been paid once in XXXX for {$8000.00} It wasn't until XX/XX/XXXX that we discovered Amerihome had sent additional payments from our escrow account to pay our taxes erroneously. Amerihome 's error caused a $ XXXX shortage in our escrow which made our XXXX payment go from $ XXXX/mo to $ XXXX/mo.  They refused to take a payment for our normal monthly payment stating they can only take a payment for what their system shows is due, which has caused our account to go past due. We have spent the last 4 months trying to get Amerihome to correct their error with little resolution. When we call in we get told incorrect information and transferred from department to department. We're told that things will take a certain number of days to complete, but end up taking longer and only after we've called in again to get an update on the situation. We've had to write 3 letters so far pertaining to issues that we dispute and need to be fixed or removed. It has taken Amerihome 4 months so far to address the problem with our escrow that we had figured out within a day what was wrong and what needed to be done to resolve it. We fear this will continue for at least another couple of months as they muttle through passing the buck from department to department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

on XXXX XXXX i sent in a letter of opting out of credit reporting to XXXX XXXX XXXX asper 15 USC 6802 and i got no response. this was very damaging to my personal credit report and it prevented me from getting the things i most want in life. not to mentioned the embarassment and humiliation the pain and suffering i endure due to this reportin i and my family faced. i would like monetary compensation.
Product: Mortgage

I reached out to Chase who holds our mortgage for our primary residence as we have hit a 79 % LTV and when we applied for this mortgage our mortgage broker told us we can request PMI be removed once we were under the 80 % LTV threshold as long as we were current on payments. Chase said they would send a letter within 5-10 business days with their decision. I believe their response was incorrect and had false information about our loan and they are stalling on removing the PMI as requested. They sent a letter that stated our loan was backed by XXXX XXXX and did not follow certain guidelines and did not fall under the homeowner 's protection act. When I looked this up on the XXXX XXXX lookup tool it did not state our loan was backed by XXXX XXXX, and our closing officer said it was a conventional loan. My concern is that we are being told something that might not be the case and I would like clarity moving forward about whether or not we are due to get our PMI back. I have provided screen shots of what we were told by our loan officer when we first decided to move forward with this loan.
Product: Vehicle loan or lease

My account on my car loan with Bridgecrest was charged off in XX/XX/2020. The car was repossessed but I got the car back XX/XX/2020. I am currently still making payments on the car but it still shows up on my credit as charged off. I asked them if they could remove it and they refused. If I'm still making car note payments, it shouldn't be charged off.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account XXXX : XXXX XXXX Account XXXX Please remove it from my credit report. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX  XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX XXXX : STATE REGULATORY AGENCY
Product: Mortgage

Mortgage defaulted and we requested a loan modification. Mortgage servicer is having a taking too long to come up with a solution to the request and the sale is in one business day.
Product: Credit reporting or other personal consumer reports

I have some inquiries that were made without my authorization. I have tried in several ways and through several different means. I am trying one last time before filing a lawsuit against Equifax. 

XXXX XXXX XXXXXXXX CompanyXXXX XXXX XXXX XXXX XXXX CompanyXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a money transfer using the app XXXX through my bank which is Wells Fargo. I was purchasing a XXXX puppy from XXXX   XXXX  supposedly in XXXX Texas. The money was received by the so called breeder but I never received the puppy. I then got an email from the company that was supposed to be the courier that would be delivering my puppy saying I had to pay them XXXX for an electronic thermal crate because the crate the breeder used was not safe. XXXX XXXXXXXX XXXX is the name of that company. I sent them numerous emails because I started to feel like I was being scammed. They told me I would have to send the funds by debit card only by XXXX XXXX and the fee would be returned to me when my puppy reached my door. I knew then something was up. They told me that my puppy was being held at their facility until they received my XXXX for their crate. I refused to send the money and they said my puppy would be held there until they got the money so they were in on the scam as well. I simply feel that my bank should not support a company like XXXX when they know what XXXX 's policies are and if something happens the customer doesn't have any recourse through XXXX or even my own bank. I have been a customer with Wells Fargo for over 20 years and for them to treat me this way is just horrible in my opinion. I called them the minute I realized I had been scammed and they said there was nothing they could do for me and that I was just out the {$550.00} I paid for a puppy I never received. They said that using XXXX is like just sending cash but that can not be true because it still has to go through the bank. I just feel the bank let me down and they should not allow XXXX to be a part of their business practices.
Product: Checking or savings account

i made a deposit to my chase bank through the atm machine and my funds were withheld all of them.

i made a deposit on the same bank through mobile and it was cleared a day after. the checks concerned are both the same from my employer.

how come there is a hold on t his one? all of my funds of {$2700.00} were withheld.

emailed the banks several times and got conflicting responses. first, i was told there is no hold.

second, there is a hold.

I would like to request that holds will be done on my check/s I should be given the option to cancel my deposit at the atm machine so that i can just encashed it at the bank where the check was drawn.
Product: Student loan

On XX/XX/2019, I sent my IDR Recertification as required, including my entire tax return to XXXX XXXX. On XX/XX/2019, I received a document stating I had not sent all required information. I immediately called and asked what was required, and the agent said there had been an error and they would send my documents for review again,. As I didn't hear from them two weeks later, I called again. They didn't know anything about my previous call 's results, and they said again that I had in fact sent all required pages and they would review it. Two weeks later, I had heard nothing, so I sent an email requesting follow up. I immediately received an email of links to the FAQ but nothing actually relevant to my problem. 

After one week with no further response, I called again, This time, it was claimed that my documents had been reviewed both times but I had not received the results I wanted. Note that I had received no notification of these supposed decisions. I was asked for other proof of income. I have uploaded these documents but received no confirmation of receipt. I also have no confirmation that I will not be required to pay the full amount in XXXX when my IDR expires. Moreover, if my IDR is calculated based on pay stubs rather than my income tax return, I will end up being billed more because my deductions will not be considered. This is fundamentally unfair.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I recently received my stimulus payment on XX/XX/2020 i had it deposited in my CURRENT CARD account.on XX/XX/XXXX my stimulus money started missing out of my account. A total of XXXX was took out of my account thru different apps like XXXX, XXXX, and XXXX.I filed a dispute on XX/XX/XXXX once I notice my money was missing and I was told that I would receive a credit in 10days even if the investigation is still ongoing. It has been a total of 18 business days and I have heard nothing from the card company.Every time I try and call i get a automated message.everyone I speak with online tell me I will get a email and they don't have another update .I had to beg to speak to a supervisor who tells me she didnt have an update .i have also tried emailing and I get the same thing no updAte and sometimes no response .I believe this card company has something to do with my money going missing .I read several reviews and they are basically scamming people out of their stimulus money, this is a hard time for everyone and this money is to help other stay afloat not to have someone take advantage on them.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penaltyofperjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Debt collection

I have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.
Product: Credit reporting or other personal consumer reports

This is my second time submitting a complaint to the CFPB the first complaint was submitted on XX/XX/year> at XXXX. The complaint number is XXXX. As I previously stated, I am a natural person, I am a living Human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. Equifax has violated my rights numerous times. I demand the accounts listed below be removed immediately. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. I am a victim of the Equifax Data Breach. Equifax has admitted the fraud that was committed and that I am a victim and I have a Claim number with Equifax. The claim number is XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion LLC twice Wednesday, XX/XX/2022 and today XX/XX/2022 to complaint about them having my personal and private information without my oral or written consent and for furnishing inaccurate information on my behalf without verifying anything. I have filed an FTC report for identity theft that themselves are participating in it. In my FTC report, I let them know that it was not made in error nor in misrepresentation of material fact relevant to the request. I have listed some accounts and inquiries that needed to be removed within 14 days as the law require. Not only they told me they rejected my FTC report but at the same time they added an identity theft statement to the report ( i did not know that a limited liability company can reject a consumer identity theft report ) but the supervisors were very rude saying I can GO KICK ROCK and I can go file thousand of complaints with the cfpb that they do not care and they will not remove anything in flagrant violation of my federal protected right. ( BASICALLY, I CAN GO XXXX MYSELF. THEY ARE THE ONES WHO RUN THE SHOW ) I have a recorded audio of both interactions with TransUnion LLC supervisors in case i have to turn to the federal court for resolution and remedies. I have attached is the letter i received from them.