23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I began the process of refinancing my mortgage through Chase on XX/XX/XXXX. I responded promptly and on time to every request that they provided me, including uploading specific documents through their dedicated web portal. Then, on XX/XX/XXXX, I received the included letter, with a due date of of XX/XX/XXXX. However, upon reading the letter, some of the requests were very difficult to understand due to the use of sentence fragments, unfamiliar abbreviations, and poor grammar. Therefore, on XX/XX/XXXX, I called XXXX XXXX, my home lending advisor, who reviewed the document and told me that it was a system-generated letter that was not meant for customer release. He explained a few of the items on the list, indicated that others did not apply to our situation, and that overall agreed that this letter needed to be cleaned up and properly issued. He advised me that he would take this to his management team and work on getting a new letter drafted with clear instructions and an updated request for missing documents. 

On XX/XX/XXXX, when I had not heard any follow from XXXX or Chase, I sent him an email inquiring as to when I could expect to see these changes. He replied that he escalated the letter to his management team and confirmed that the letter was " system generated '' but did not provide a timeline. On Monday, XX/XX/XXXX I reached back out via email to inquire about the status, stating that even if it was not resolved by this date, I would like to have an estimated timeline by when it would be resolved. Subsequently, around XXXX XXXX XXXX XXXX, I called both XXXX and XXXX 's manager, XXXX XXXX. Both of their voicemails indicated that they return phone calls received during business hours on the same day. Neither of them answered, and I left a message for both, and have not heard back. 

Thus, at this point, I have been ghosted by the mortgage team as they are no longer responding to phone calls or emails in the previously agreed upon timeline. Furthermore, nobody has updated or revised the attached letter requesting missing documents that is unintelligible, not intended for customer release, and with issues that do not apply to my mortgage situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I was in the process of buying a house when I pulled my credit report and was shocked to see a fraudulent XXXX XXXX account listed. I never opened this account, never authorized it, and never consented to it being reported. The moment I discovered this, I immediately filed a police report and realized I was a victim of identity theft. On XX/XX/year>, I formally disputed this fraudulent account with all three credit bureaus. XXXX and XXXX did their jobthey reviewed the evidence, recognized the fraud, and removed the account. But TransUnion? Despite receiving the exact same proof, they failed to act and are still reporting this fraudulent account on my credit file. Why? This is completely unacceptable. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to ensure the information they report is accurateyet they have failed to do so. This is a clear violation of my rights under XXXX XXXX XXXX ( b ) and XXXX, which hold credit bureaus accountable for negligence and willful noncompliance. This reckless inaction has severely impacted my credit profile, delayed my home purchase, and caused me unnecessary stressall because TransUnion refuses to do what is legally required. I am demanding that TransUnion immediately delete this fraudulent account from my credit report without delay. If this is not resolved immediately, I will have no choice but to escalate this further. I am fully prepared to take legal action, file regulatory complaints, and hold TransUnion accountable for their failure to comply with federal law. This needs to be fixed NOW. No more delays, no more excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax saying my account with XXXX has been paid in full. They refuse to change this status on their account even though the loan was paid off almost two months ago ( XX/XX/XXXX ). I have attached the letter from XXXX saying the account has been paid in full and when it was paid.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I received a promotional offer from Bank of America in the mail. This offer promised $XXXX after satisfying the following conditions:1. Open a new Bank of America Advantage Banking account by XX/XX/2019 using the unique offer code (XXXX)2. Within 90 days of account opening, set up and receive qualifying direct deposits totaling $XXXX  or more into your new personal checking account.3. Once completed, the $XXXX  bonus will be deposited into my account within 60 days.I opened the checking account online on XX/XX/2019 using the unique offer code during the process. I had a direct deposit of $XXXX from my work payroll hit the account on XX/XX/2019, which is well within the 90-day time frame.I expected the bonus to post within a few weeks after XX/XX/2019, but it did not post. I contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who informed me the bonus should post but to wait the full 60-days after the qualifying direct deposit.Over the next few weeks, the bonus still did not post. I contacted Bank of America support via XXXX   again on XX/XX/2019. I spoke with XXXX, who verified with the Promotions Team that I was in fact targeted for the promotion and that a $XXXX qualifying direct deposit did post to my account on XX/XX/2019, which was within the 90-day window. He notified me that my concern would be forwarded to the Promotion Team and I should expect to hear back from them within approximately one month and that I would likely receive a check in the mail for the $XXXX.I received no further communication from Bank of America and never received a check in the mail. I again contacted Bank of America support via XXXX on XX/XX/2019. I spoke with XXXX, who was unable to give me a reasonable answer as to why the process was taking so long and why I had not received the bonus. He asked me to wait a bit longer for the Promotions Team to investigate the issue.I am not satisfied with support received thus far. The bonus should have posted a long time ago. The process does not need to be so complicated and require so much of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-XXXX-Balance {$1500.00} XXXX-XXXX-Balance {$240.00} XXXX XXXX XXXX-XXXX-Balance {$62000.00}
Product: Credit reporting or other personal consumer reports

Demand for Deletion of Unauthorized and Unverifiable Hard Inquiries Dear TransUnion, I am writing to formally dispute and demand the immediate deletion of unauthorized and unverifiable hard inquiries that appear on my credit report maintained by TransUnion LLC. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request that you conduct a thorough investigation into the following inquiries : 1. XXXX date : XX/XX/2023 XXXX XXXX date : XX/XX/2022 These inquiries are a violation of my privacy rights and have been made without my consent. 

2. **Verification of inquiries : ** For each inquiry listed, please provide verification that it was authorized by me or otherwise permissible under the provisions of the FCRA . This includes any permissible purpose under 15 USC 1681b. 

According to 15 USC 1681b, consumer reporting agencies such as TransUnion must ensure that any information they report is accurate, up-to-date, and verifiable. Unauthorized inquiries not only jeopardize my credit score but also infringe upon my rights under federal law. 

I demand that all unauthorized and unverifiable hard inquiries be promptly deleted from my credit report. Please provide written confirmation once this investigation is completed and the unauthorized inquiries have been removed. 

Additionally, as per the FCRA, I request that you provide me with a free copy of my updated credit report once the unauthorized inquiries have been removed. 

Please respond in writing within XXXX  days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

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

Sincerely, XXXX XXXX
Product: Mortgage

PHH Mortgage acquired a mortgage on a second home from GMAC many years ago. The payments for the mortgage have been made on autopay for many years ( unfortunately, the autopay system I used was discontinued and the switch to a new system caused one payment in XXXX to be about 20 days late, but that's not directly relevant to this complaint ). My condo association has historically been very slow on sending PHH proof of flood insurance and that delay caused them to place a flood insurance policy. That caused them to create an escrow account for that amount, which, in turn, caused them to consider my payments too low, so the payments weren't credited to my account when received. This caused them to consider my payments late and much a report of that to the credit reporting agencies.

It took a long time ( slowed down by COVID-19 issues ) to obtain the flood insurance info from the condo association, but this was  fixed around XX/XX/2020 by their insurance department. They said it would take about 10 days to remove the charges for the placed insurance and eliminate the escrow and then Customer Service would properly apply the payments that were made and notify the credit agencies that this was done.

However, despite exchanging numerous emails, none of the above has been done and as recently as today they claim that I  owe several XXXX dollars in payments. However, those payments were received and in their " suspense '' accounts. 

Unfortunately, COVID-19 is making this situation harder since I'm not at my residence and only receive mail sent there with delays of a couple of months.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions.equifax consistently responds within 24 hours stating the account is accurate.without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( fcra ) .15u.s.c 1681 which mandates a reasonable of disputes.futhermore Equifax actions may also contravene the consumer financial protection act ( cfpb ) 12u.s.c 5536 ( a ) ( 1 ) ( a ) - ( b ) .as highlighted in the cfpb recent administration proceeding ( file XXXX ) against them for similar violations.i request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and I wil be submitting this CFPB Complaint to request to remove the Fraudulent items from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these inquiries, I expect immediate action to be taken.
Product: Credit reporting or other personal consumer reports

Equifax has failed to accurately investigate disputes and review supporting documents, marking disputes as resolved and information verified without actually completing an investigation. Despite creditors providing Equifax with documentation to remove accounts from my credit file and me providing proof of this documentation, Equifax continues to falsely advise they have investigated disputes and contacted creditors, confirming accounts are reporting accurately, which contradicts statements and documentation from creditors they are claiming to have contacted. I have XXXX accounts on my Equifax credit report that are reporting inaccurately and Equifax continues to make false statements, advising they have investigated, contacted creditors and the information is reporting accurately when the accounts are not. One collection account is with XXXX XXXX  that was paid in full on XXXX, in exchange for deletion. This company provided documentation of pay for delete and advised they have sent documentation to Equifax to request tradeline be deleted. But on XXXX, Equifax sent investigation results advising this has been investigated, the creditor was contacted and this information, the account reporting in collections is an unpaid debt. I contacted Equifax on XXXX to get details on these investigation results, when I advised the representative that I contacted the creditor on XXXX and the credit confirmed they did not advised Equifax that the debt was unpaid, the representative disconnected the call. These investigation results confirm that Equifax did not do their due diligence in investigating this account. The second account is with XXXX XXXX that was paid for deletion, this creditor also sent written documentation to all XXXX credit agencies, this item has been deleted from my other XXXX credit reports. Equifax did not delete the item, they simply closed the account and allowed it to remain on my credit report, despite me providing documentation of payment and requesting the account be deleted, per my agreement with the creditor. The third account is with XXXX XXXX, in which the company advised they were ceasing collection actions and sending a request to all credit agencies to have this item removed from my credit report within 30 days. This letter was sent to all credit agencies in XX/XX/year> and has been deleted from my other XXXX credit reports, but remains on my Equifax credit report as a " closed '' account. Again, I have provided Equifax with documentation that this account should be deleted and they have refused to do so. Despite creditors providing Equifax with documentation to remove these accounts from my credit file and me providing proof of this documentation, Equifax continues to falsely advise they have investigated disputes and contacted creditors, confirming accounts are reporting accurately when they are not.
Product: Credit reporting or other personal consumer reports

i looked at my credit report back on XX/XX/year> and noticed some things were incomplete and not accurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonanble procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ALL accounts are not reporting correctly of date last active, date of last payments, date opened of accounts. i sent Experian letters on XX/XX/year> asking them to reinvestigate these particular accounts and they REFUSED? DENIED my letters claiming they seemed to be coming from a credit repair agency which im sure is in violation of 15 USC 1681i ( 7 ) as i did not receive description of any reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE AUTO FINAN XXXX Balance Owed : {$0.00}. I have always made my payments on time yet there was a 90-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I notice unauthorized inquiry from XXXX XXXX  on my Transunion credit report that I did not authorize and I would like to be remove.
Product: Checking or savings account

Someone got a hold of my social security number and got a SS card printed and they signed it. Then they took a XXXX XXXX check with someone else 's name and washed the name on it and put my company name on it. They made a fake XXXX  Driver 's license using my XXXXXXXX XXXX  photo and my old address in XXXX. They also must have contacted the Secretary of XXXX and got my company 's federal tax ID number and a letter from the IRS with my tax ID on it. They took all that info and submitted it to multiple financial institutions in order to open a merchant account. Many other institutions phoned my company because things didn't add up. But somehow XXXX, a Merchant Services company didn't due their due diligence and opened up a Merchant account in the name of my company. Once I found out that I had these attempts on my credit, I locked my credit, but somehow XXXX opened them up anyway! One of the banks sent me a copy of the fake id and check and IRS letter. Once XXXX opened them up, the fraudsters proceeded to run over {$30000.00} through that account. Now I'm being pursued by XXXX for {$220.00}! I don't have a clue what that's for. As far as I'm concerned they need to eat that money as they are the ones that opened up the account without proper verification.
Product: Credit card

Someone had access to my personal information and have applied for credit that was not me and it affected my credit report i did not authorize any of the inquiries on my reports which have made a negative impact on my credit report. There was multiple credit accounts opened in my name and it was not my i was incarcerated from XX/XX/XXXX until XX/XX/XXXX so all the inquiries and accounts that took place during that time period are all fraudulent and is affecting me tremendously and im trying to get back to my life and its difficult when all these negative impacts are on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX requested a wire transfer from XXXX XXXX in XXXX of XXXX euros ( about XXXX US dollars ) to my account at Citizen bank in XXXX 
Citizens reported receiving XXXX dollars. 
When asked for transfer details they refused. 
XXXX system was used but I cant contact XXXX only banks can. 
Was the missing amount stolen or???