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

I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting

I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Product: Mortgage

Two overpayments have happnened : 1 ) On XX/XX/year>2024, a payment of {$270.00} was sent to XXXX XXXX, VA, this was an accidental overpayment, XXXX XXXX sent this back and it should have been added back to escrow. 

2 ) On XX/XX/year>2024, a payment {$2400.00} was sent to XXXX XXXX, VA, this was a second accidental overpayment, XXXX XXXX sent this back as well and this should have been added back to escrow.

On numerous times, I have asked for an escrow analysis to be done as the next tax payment Amerihome has is for {$3500.00}, not what is owed, which is {$1000.00}.

Also, they have for my next homeowners- {$1700.00}, and not {$860.00}, I can understand this one as this just was sent out. But the correct value is {$860.00} for the 2024 year.

Overall, I have found this process of working with them to be do not trust the homeowner problem. No matter how many times I call, or ask for help, I keep getting promises that do not happen and now, I am having to reach out to external sources as this has been going on for two months, and without corrections, I will soon not be able to pay this mortgage as they just added {$1000.00} to my mortgage for escrow when the problem is with their analysis and not with needed more.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX I had money put on my card by XXXX XXXX total of {$420.00} and I noticed at XXXX. There was a transaction was made of the amount of {$400.00} leaving me with {$20.00} left the transaction was made XXXX XXXX  XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US cash charge {$3.00}.
Product: Debt collection

Request bill from original creditor. Request signed contract with me and debt collector. Since there was no contract then my person information should not be used by debt collector nor should debt collector be reported on my credit report. As per usc code 15 1681 right to privacy has been violated.
Product: Bank account or service

fiance wrote a check from XXXX for XXXX which I deposited in my Citibank account on XXXX/XXXX/16. On Monday XXXX/XXXX/16 I traveled to New Jersey for work and much to my horror when I accessed my Citibank account I was told it was blocked and all funds of XXXX plus were blocked due to suspicious activity. I subsequently was told by fraud dept that there was an advisement on check not to pay. However this is a lie as I also had conversation with XXXX and funds were released on XXXX/XXXX/16. Citibank now states check is good but wanted me to wait until XXXX/XXXX/16 to release funds. When I asked for proof that XXXX ever stated that the check would not be paid the fraud person XXXX became extremely rude and told me the info was proprietary and I was not privy to it and I was also told too bad that I would have to wait until XXXX/XXXX/16 at least until having access to a check that that Citibank knew was good on XXXX/XXXX/16. Needless to say I am extremely frustrated, angry and humiliated by the Citibank 's handling of this matter. The need also to make good on all late fees and penalties that I have incurred.
Product: Checking or savings account

On XX/XX/XXXX I opened a Citi Priority account as part of a promotion offering XXXX thank you points for depositing XXXXUSD in the account and performing the following activities within 60 days of account opening : 1. qualifying bill payment for 2 consecutive calendar months. AND 2. Make qualifying purchases using your Citibank Debit or ATM Card ( from the promotion email ).  Once completing those, the terms stipulated the points will post within 90 days. Indeed, in XX/XX/XXXX I completed the required activities, and on XX/XX/XXXX I received an email ( attached ) indicating the points will post within 30 days. When the 30 days ended and the points did not post, I contacted customer service which said theyll investigate the matter. A few days later, I received the results of the investigation, again promising the points will post within another 30 days. They did not, and after contacting CITI bank twice more ( on XX/XX/XXXX and XX/XX/XXXX ) and receiving no response, I am now submitting this formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated previously I have been a victim of Identity theft. All removed said account and blocked it from my report except for Experian who deleted it on XX/XX/XXXX, then reported it back on XX/XX/XXXX. Stating that XXXX XXXX XXXX # XXXX requested that it to stay on my report. I have requested to receive the verification of proof and Experian was not able to provide. This account was deemed verified without stating the method of verification. It only stated that the account was verified. This is impossible to be validated because the account was fraudulently opened. Section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. Attached is a police report made around the time of the account was notice on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I bank with Old National Bank and I had a fraud charge on my card. I called my bank, and they told me they would send out a new card in 5-7 business days. When I got the card in the mail a week later, I found that the number was the same number that had the fraud charge on it. I called the bank back and they told me that this was their error, and they will send me out a new one in 2-3 business days. I received that card 3 days later in the mail with a different card number and when I tried to activate it, it wouldn't work. I called the manager in XXXX XXXX, and he told me that there was no other way to activate it other than on the phone or online ( again didn't work ). I didn't like my answer, and I called the manager XXXX in the XXXX XXXX location to get this sorted. Upon further investigation ( after being on hold for an hour and a half ) I found that the number that was sent to me was deactivated for an " unknown reason '' ( XXXXXXXX XXXX words ). She then told me that the card will be at my residence on XX/XX/XXXX or XX/XX/XXXX. It is currently XX/XX/XXXX and no information and no card. I called them back and they told me they're going to call me tomorrow to figure this out. My problem is, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has been 3 weeks. I live in XXXX so I ca n't drive down to the nearest bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Product: Mortgage

I have a mortgage loan with Ocwen Mortgage which in XX/XX/XXXX was taken over by PHH Mortgage XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I had been going through a foreclosure since XXXX of XXXX. In XXXX through the attorney of mortgage company We came to an agreement that my loan modification would be accept and that we could settle out of court if I agreed to pay my mortgage from XX/XX/XXXX- through XX/XX/XXXX. 
My monthly payment is XXXX on XX/XX/XXXX I signed the modification loan had it notarized and sent a check for {$10000.00}. I couldn't not communicate with loan company because of the foreclosure so I communicated via through PHH attorneys to find out the status of Modification. It is now XX/XX/XXXX and I have not heard back from mortgage company regarding modification. I also conveyed through mortgage attorney to send me a balance as to how monies were applied. Attorney conveyed information but I never received status. In late XX/XX/XXXX. I received an email that a new foreclosure would commence. Not sure what that meant when I had sent money to settle the foreclosure. I sent the foreclosure intent to mortgage companies attorney why they were sending me such a letter when I had already sent money to settle out of court. 
Attorney said she would convey the information and get back to me, I also asked attorney to send me a breakdown as to how monies had been applied she said would. 
It is XX/XX/XXXX and I still have not received correspondence from mortgage company.
Product: Credit card

XX/XX/year> payment XXXX usd XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX payment XXXX. paypal mpyment XXXX. I withdrew XXXX XXXX  and there is no money in my credit card account for a long time. I have been sending emails to him, but XXXX has not responded. It seems that he wants me to keep recharging a lot of money before refunding. Chime Bank credit card company doesn't care about me. I provided a lot of evidence and they closed my credit card and changed it to a secured card. Is it the game company that defrauded my money or is it Chime Bank credit card company that stole my money? I hope the government can solve the problem fairly. My name is XXXX XXXX
Product: Debt collection

Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX  and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently XXXX XXXX purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New and Updated Information, Please see attached documentation below. 

XXXX XXXX XXXX in this matter as base Representatives are ignorant to the law
Product: Credit reporting or other personal consumer reports

account name XXXX account number # XXXX i am writing to bring to your attention multiple violations found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). upon reviewing my credit report, I have identified the following inaccuracies and violations : XXXX date opened inaccurate XXXX date last active inaccurate XXXX date of the last payment inaccurate these inaccuracies have caused significant harm to my creditworthiness and financial standing, according to the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of the information reported on consumer 's credit files. 

as a result of the violations, i am formally requesting that the credit bureau impose the maximum fine of {$1000.00} per violation, or delete this this account entirely enclosed are sections of my credit report highlighted for inaccurate information i expect prompt resolutions in this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX  {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX XXXXXXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX  {$1700.00} HARD INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting Violation of FCRA 623 ( a ) ( 3 ) and UCC To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX  regarding the account listed below. I believe that this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) and the Uniform Commercial Code ( UCC ). 

Account Information : - Creditor : XXXX XXXX XXXX Open Date : XX/XX/year> - Amount : {$410.00} According to the letter I received from XXXX XXXX  ( attached for your reference ), this account was returned to the original creditors. As such, it should be deleted from my credit file. Furthermore, the account is not accurately reflecting the payment status. It is imperative that credit reporting agencies report accurate information, including the status of accounts as paid less if that is the case. 

The failure to report this information accurately constitutes a violation of the FCRA, specifically Section 623 ( a ) ( 3 ), which requires furnishers of information to provide accurate and complete information to credit reporting agencies. The inaccurate reporting of this account has negatively impacted my credit report and, consequently, my credit score.

Given these facts, I demand that you investigate this matter and remove the account from all credit files with your agency. Please confirm receipt of this dispute and provide me with the results of your investigation in writing. 

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

Sincerely, XXXX XXXX XXXX Attachments : 1. Letter from XXXX XXXX
Product: Credit reporting

Account was paid and closed, but continues to appear as a negative on all XXXX major reporting agencies. Even after all items were disputed, all items still remain which continues to damage my reports.
Product: Credit card

I verbally asked Asset Recovery to remove my work phone number and to cease calling me at my work however they have continued to call me at work.
Product: Debt collection

On XX/XX/year> I received a letter stating that the toll violations were validated and that I am to pay a sum amount of {$210.00} to their firm, due to toll violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate item on my credit report, and you did not respond. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX because to my knowledge I do not recall this account. You advised in the past that you verified this information through XXXX XXXX and The Court House however that information was inaccurate. I provided verifiable proof that XXXX XXXX deleted this unverifiable bankruptcy on file and The Court House does not report public records to you. So that would mean this alleged bankruptcy is unverifiable and needs to be deleted from my credit report. Both of your sources do not have this information on file so that would mean you are lying to me when you stated in the past that this information has been verified as accurate.

I need this problem fixed ASAP. I will not wait another 45-60 days to receive no response because clearly you are ignoring me. I demand this account be deleted immediately or I will file for litigation due to the overwhelming stress you have caused me. Section 611 ( a ), it plainly states that failure to investigate this item within 30 days gives a reason to immediate remove this item from my credit report. It has been over 40 days so this item should be deleted promptly. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

I did a payday loan, online, XXXX mistake, unforeseen circumstances happened at home and I was unable to pay. I do owe this debt, I'm responsible for this debt. I'm in the process of doing a debt consolidation that I can afford. In the meantime they have contacted my employer. I can not have calls at my work. I told them that about a month ago ( Early XXXX ). I received another call yesterday, XX/XX/2018. I asked politely, please do not call my work. I received a rather not nice text back, stating they can and will do that and in the future they will not ask for me, they will go directly to my boss. They were extremely rude. I just don't want contacted at work, I work long hours and can't always get calls made after work.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I dont know who live at XXXX I NEVER STAYED IN XXXX  XXXX IN MY LIFE! I SPOKE WITH MANAGEMENT AND TOLD THEM I WOULD BE LIVING THE PROPERTY ( SPOKE WITH XXXX LADY AND XXXX GENTLEMEN ) THEY TOLD ME IT WAS OK TO LIVE THE PROPERTY AS LONG AS I GAVE WRITTEN STATEMENT OF SUCH.