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

To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last XXXX  months, or the last XXXX  years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX
Product: Checking or savings account

In the week of XX/XX/year>, I logged into my https : //app.juno.finance account and saw a message that " Cash services are temporarily unavailable due to issues with our banking service provider. '' Looking through their help articles and chat they said that ACH services are not available. 

I just want to withdraw my remaining cash deposits, and after that close my account. 

I messaged support on XX/XX/year> asking if closing my account would allow withdrawal of my money, and in what timeframe. I do not require ACH, a paper check to my address on file would be enough. 

Later that day I received a response : " Please be informed that closure requests can not be processed at the moment due to ongoing interruptions in our services. As a result, account closure requests are temporarily suspended. While we actively collaborate with our banking services provider to restore these services, we understand the frustration this situation may cause. 

Currently, we won't be able to send you your funds. I apologize for any inconvenience. '' I don't find this acceptable ... these are cash deposits in a bank account ( FDIC insured per Juno ), and not, for example, crypto that need to be sold. 

I just want to withdraw my remaining cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been my numerous endeavor to tell you 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 XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX of XXXX my husband I put XXXX  checks in the mail, XXXX  to the US Treasury Department for {$21000.00}, XXXX  to the XXXX  XXXX XXXX XXXX for {$7000.00}. These checks were intended as payment on our estimated taxes due in XXXX as a result of a real estate sale in XXXX of XXXX. Both pieces of mail were stolen from USPS postal boxes , and washed, then cashed. Unfortunately, since these checks were intended to pay toward our XXXX taxes and we had not officially filed the taxes yet, the XXXX  Government agencies were not expecting the checks, thus we were not made aware that the checks did not make it to the proper destinations. We utilize the paperless statement option, highly encouraged by the bank, and only saw that the checks cleared for the amounts we had written them for. Unfortunately, it wasnt until we were preparing our taxes in XXXX of XXXX that we realized what had happened. 

On XX/XX/XXXX we visited the UMB XXXX branch and filled out paperwork to initiate a fraud investigation. We made police reports and reported the theft to the US Postal Service as directed by the bank. We were told the process usually takes XXXX days. After waiting XXXX weeks, with very little contact or updates, we reached out to a vice-president at UMB. She directed us to the UMB XXXX branch manager who stepped in to follow-up on the situation. After a week of emails and phone conversations we were told that the claim has been denied because of the length of time between the checks being stolen and cashed, and our reporting it to UMB, a XXXX month period. We have been clients of the bank for XXXX  years with multiple accounts, both personal and business. UMB should have worked harder to recover our money. 
We were just advised on Tuesday that the check intended for the Department of Treasury was cleared through XXXX XXXX XXXX and the check to the XXXX  XXXX  XXXX XXXX cleared through XXXX XXXX. The UMB bank representative indicated that they had not yet contacted the banks since the date in reporting was beyond their guidelines.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to Experian, XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX replied with the attached letter dated XX/XX/2023, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with XXXX Regulations. Please review the attached documentation and investigate.
Product: Money transfer, virtual currency, or money service

Someone used Remitly Global to send money using my personal bank debit card. I had never heard of the company Remitly until it appeared on my bank account. The transaction was submitted on XX/XX/XXXX. They submitted this amount twice. My bank account has suffered because it caused my account to be overdrawn. I called Remitly and was on hold for over 30 minutes. When I finally spoke to someone, they transferred me to the consumer protection team. I was working with someone named XXXX. I gave her my name, phone number and she asked if she could place me on hold. While holding, the call dropped. She never called me back. Im so upset about this situation. I dont know who the person is that used my debit card and how they got it unless they stole my card info somehow. Remitly should have better security measures in place to verify the financial information thats being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it shows that I owe Amex around {$2000.00} that I paid off over 2 weeks ago. This balance is skyrocketing my credit card utilization and impacting my score heavily. I am XXXX years old and last month was my first month in 2 years that I made a late payment due to my wifi being down for a week. Now my utilization is down to 97 %. This is HEAVILY affecting my credit score and diminished my chances of getting a house for my family. 

I have paid off the balance and have 2 very good cards with Amex and need them to pardon the late payment from last month since that will never happen again and they are ruining my score. My credit score used to be 700+ and this one error has brought me down to the 500s. Please fix this issue asap.
Product: Credit card or prepaid card

They are not approving the applications I have made to have an account with American Express and they have must to approve them because I am a XXXX  and I have to be well to be able to XXXX XXXX XXXX XXXX to other people I must have my XXXX and I already sent proof of my title.
Product: Mortgage

This is the second year that Mr. Cooper has not sent my insurance company on time or the correct amount. Back in XX/XX/XXXX, my insurance was cancelled and I was not aware that I did not have any coverage until I received a check from the insurance company and called them to find out what they check was for. I was told that premium was do and they received the payment after the due date for the incorrect amount. Therefore, they cancelled my insurance. My house was not covered. Mr. Cooper fixed it and had my insurance reinstated after having me send them the check. 

On XX/XX/XXXX, I called Mr. Cooper to inquire why my payment went up {$200.00} a month and was told that I needed to call my insurance company on why my insurance increased. On XX/XX/XXXX, I called my insurance company and was told that my policy had been called because Mr. Cooper again did not send the payment for coverage on on time and the payment was not for the correct amount. Therefore they cancelled my coverage on XX/XX/XXXX and the payment would be mailed back to me on XX/XX/XXXX. They stated that they would not be reinstating my coverage because this was the second time that my policy had been called due to nonpayment. I called Mr. Cooper after I spoke to the insurance company on XX/XX/XXXX and after telling them what the insurance company said, they finally told me that they added coverage on my house since I did not have any. Them adding their insurance is what caused my monthly mortgage payment to increase by {$200.00}. Mr. Cooper caused the problem and now they are trying to gain for it by putting their overprice property insurance. This is fraud!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, XXXX Account # XXXX, XXXX Account # 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
Product: Mortgage

I've had an ongoing complaint with primelending and it's servers. 
Second was XXXX  mortgage services. 
Third is Carrington mortgage services a debt collector. 
I had 60 day memorandum with Carrington and, got a letter that your in default. So I paid them XX/XX/year> And XX/XX/year> plus XX/XX/year>. 
I RECEIVED A LETTER STATING THERES AN ESCROW SHORTAGES. AGAIN EVERYTIME TIME NEW SERVERS. THESE ARE THERE TECHNIQUES TO GENERATING FEES UNTIL YOU COMPLY TO INCREASED IN ESCROW SHORTAGES. 
IVE PAID MY MORTGAGE INSURANCE PREMIUMS to the COMPANY STATE FARM. BECAUSE, the lied to me, WHEN I PAY MY XXXX INSURANCE ITS A DIFFERENT AMOUNT THEN WHAT XXXX PAYS. 
XXXX, AND XXXX HAVE A INSURANCE POLICY ROLLED INTO MY PRINCIPLES PAYMENT PLUS WITH MY MONTHLY PAYMENTS. 
I TRIED TO CONVEY MY INSURANCE TO Carrington MORTGAGE COMPANY, ONLY WAY TO CHANGE IS TO FAX YOUR REQUEST TO THE CARINGTON FAX NUMBER GIVING, I STARTED GETTING THE RUN AROUND RIGHT AWAY. FOURTH ATTEMPT.
Product: Credit reporting or other personal consumer reports

TRANSUNION, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying, for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with Equifax it has been over 45 days and I haven't received results nor a response for a fraudulent account they are reporting on my behalf and this is hurting my report significantly therefore this account needs to be deleted immediately. This is not fair at all because it is greatly affecting my credit report due to these inaccuracies on my credit report.
Product: Checking or savings account

Since yesterday, XX/XX/XXXX I have requested my phone number to be updated so I can access my account by via credit karma chat. Customer service has requested that I send my required identification : id also ss card by email link given. These documents were uploaded and sent. I have communicated numerous of times throughout the day yesterday and this morning XX/XX/XXXX on the issue. I was given a link to follow so that I could add a phone number. I was not able to do so ; however Credit karma was able to delete my phone number but not add one. Upon my request to speak with someone over the phone about this issue I was told there is nothing they can do. My response was even if I provided verification of my identity and willing to supply the proper documentation once again. So therefore over the phone and through via email I could not get the help to access my account where I receive my funds. I receive payment from my job by direct deposit through this company into my account bi weekly. Because of this I am not able to get gas for work, personal needs, feed my family, pay rent due because I cant get to my money.
Product: Mortgage

I had a house fire. my mortgage company held XXXX of my insurance money in escrow for their lost draft dept. to disburse me funds as my house get rebuilt. they issued a check in XXXX. I never got it. I called weekly and complained I never got it. they sent me check, same amount in XXXX for the 2nd part of my money they was holding. I got the 2nd check 3 weeks after they wrote it. & I cashed that into my bank. I still kept calling them regarding first XXXX check I still haven't got. they lied to me 3 different times stating another check was reissued & keep looking for it. when couple weeks go by I call again. was told same thing on reissue me the check. last XXXX  XXXX they tell me it has bee cashed & email me copy. the check is paid to order of XXXX peoples names. not just me on the check. the back of this check was printed out my name only, so was t even endorsed correctly to begin with. the cashed date was XXXX, which is 3 business days after it was wrote. their process states they have 3 to 5 business days to cut the check. then they have 5 to 7 business days for it to go thru their mail room & actually get sent out. then 14 business days to get to my mailbox. the check that someone forged & printed my name on back was cashed within XXXX business days so that looks to me like inside job. and probably more than XXXX employee to pull it off. now they told me it is cashed & sent to investigate process. I don't know if they really filed report of fraud or not. I don't know if my information on my mortgage was seen or not. they will not give me the investigate dept. phone number or a report filed case # on it. they will not tell me who cashed the check, what bank cashed it. they tell me nothing. the main head person they claim is XXXX, & she will never take calls. today I was told " she suggests you call insurance becuase the check is cashed & we won't issue you another one '' ... but XXXX herself won't talk to me at all. I called my local branch & they have been searching for couple hours now & have found no records of this check to even see what bank cashed it. XXXX was taken out of escrow account & I am not getting any information at all. I am currently looking for a.lawyer but I don't know where their loss draft dept is located and they won't tell me simple things like that. I don't even know I'd it is legit department... I need help getting my XXXX so I can pay off contractors who rebuilt me home. it is so sad corrupt emoyees take advantage of people who literally just lost everything. & I mean everything! & I never got my own insurance money. the bank who cashed it should be reliable to get me my money immediately. they cashed it endorsed wrong & everything. XXXX bank. they wrote the check & I'm pretty sure they cashed it too. please help.
Product: Credit reporting or other personal consumer reports

JPMCB is showing a a duplicate inquiry on XX/XX/XXXX and XX/XX/XXXX. There should only be the first inquiry on XX/XX/XXXX. 


Also XXXX credit is showing on my account and that account does not belong to me. That account belonged to my sister XXXX XXXX who signed for that vehicle & was responsible for the payment. In addition, that account is old & was opened in XXXX.
Product: Credit reporting or other personal consumer reports

WESTLAKE FINANCIAL SVC is reporting inaccurate information on my credit report I have requested validation of this information and have not received any information from them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 90 days past due on the XXXX  XXXX - partial account numbers XXXX and XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due.

This incorrect reporting is harming my credit score. It is impossible to be 60 to 90 days past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX - XXXX I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

I saw that my XXXX score went down by approximately XXXX. I have always had stellar score. Upon investigation I saw that there is an account closed with a balance on my report that IS NOT MINE. 

See below : XXXX XXXX XXXX  XXXX {$950.00} / {$800.00}
Product: Credit card

I tried to log into my chase.com account and Im forced to agree to a 125 page document agreeing to very invasive privacy violations. Unless I agree to the document, I cant access my credit card account to make payments. 
This started for me beginning of XX/XX/2023 2023
Product: Debt collection

I am XXXX but I have a device to assist me with XXXX but I could not understand the gentleman 's name, I think he said XXXX, from Rent Recovery. I also live with a XXXX XXXX that requires me to have XXXX every XXXX months ; which compromises my job. 
However, XXXX of all, this guy continues calling what he thinks are relatives of mine regarding a debt that I 'm making payments on. I offered to resolve the entire debt but the collector is refusing to take a lump sum of money I currently have access to which is {$980.00} but I also said I can put an additional {$200.00} with the amount. I make payments of {$25.00} a month but when I have to see my doctor to pay for XXXX, I sometimes I make the payment late. 
I ca n't say for sure which company is this because they 're refusing to send me written confirmation with their information on it.
Product: Checking or savings account

Back in XX/XX/2019 I disputed a claim for charges that were unauthorized made on my account in XX/XX/2019. I called in the Back of Americas Claim department and the rep filed the claim and I was issued a temporary credit. After their investigation the claim was denied and the their reason was the claim was filed outside of the time frame allowed for disputes. I am very upset because if they knew this Im not sure why the claim would be filed to begin with I believe that the claim should have never been filed. My account has been overdrawn for months and I have spoken to several people with no result. I have done research about this happening to many Bank of America customers and the research advise this being another great way to get some help on this. I have written a book and had XXXX deposit money in this account because I didnt expect this claim to turn out this way and overdraw my account and Bank of America is basically keeping my money please help me! I do not have the financial means to just give over {$300.00} to Bank of America because of their error. If I had known I was able to dispute I wouldnt have. I really hope this can help my only option after This is small claims court. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX - ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.