23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Officer, XXXX you every thing is going well. 
I am the XXXX XXXX XXXX owner, my name is XXXX XXXX.My Employer Identification XXXX. My passport number is XXXX from XXXX. Now I have a big problem I need you help. 
In last month XXXX I want to open a business account in Chase bank, and I asked the banker if I can get a new bank account for my company, the banker told me yes, I could have an account in their bank, and I need to close the XXXX XXXX XXXX  account I opened before, make a cashier 's check and give it to them, and deposit it into the new account they opened for me. After about three weeks of processing, they still can not open my company 's account. I have now closed the XXXX XXXX XXXX account, which has had a great impact on me, although I spend so much time and energy to deal with these things, but the result is XXXX. More than XXXX dollars still pending, I can do nothing with my business, I can't recruitment staff and any payment. My company can't run as well. 

Best wishes! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not to long ago trans union deleted inquires on my credit report and 1 week later reinserted then. I was never notified of this and it has affected my score. To a point where I am unable to purchase a house. It brought my score way down.

1. XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX6.XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XXXX 1XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX.XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX13.XXXX XX/XX/XXXX14XXXX XXXX XX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16.XXXX XX/XX/XXXX17XXXX XXXX XX/XX/XXXX 18.XXXX XXXXXX/XX/XXXX 19.XXXX XXXX XXXX XX/XX/XXXX 20XXXX XX/XX/XXXX 21. XXXX XXXXXX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX 23.XXXX XXXX  XX/XX/XXXX.XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with TransUnion, XXXX and XXXX several times to no avail. The following names reporting on my credit file are in correct : XXXX XXXX, XXXX XXXX, XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Way, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : TransUnion is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XXXX XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of current but also is reporting late payments of 90 days for XX/XX/XXXX, XXXX XXXX, 120 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of current but also is reporting late payments of 90 days for May 2019, 120 days late for XX/XX/XXXX, and XX/XX/XXXX. XXXX : TransUnion is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XXXX XXXX, 120 days late for XXXX through XX/XX/XXXX, XXXX  is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, XXXX XXXX 120 days late for XXXX through XXXX XXXX, 150 days late for XXXX XXXX, 180 das for XXXX through XXXX XXXX, 150 days late for XX/XX/XXXX, XXXX is reporting a payment status of current but also reporting late payments of 90 days late for XXXX and XXXX of XXXX, 120 days late for XXXX and XXXX XXXX, 120 days late for XXXX through XX/XX/XXXX. XXXX : TransUnion is not reporting any late paymentsXXXX XXXX and XXXX are reporting a current payment status but late payments of 30 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX is reporting an opened date of XX/XX/XXXX and XXXX is not reporting this account, XXXX Account Number XXXX TransUnion is XXXX an opened date of XX/XX/XXXX, XXXX is XXXX an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX XXXX XXXX XXXX XXXX XXXX Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX, XXXX  is reporting an opened date of XX/XX/XXXX and XXXX is nor XXXX this account. Chapter XXXX Bankruptcy : TransUnion ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ) are reporting a XXXX bankruptcy as XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I logged into XXXX to check for inaccuracies on my credit report on XX/XX/XXXX, I noticed that I have an inquiry on my Equifax for profile for XXXX XXXX XXXX XXXX XXXX. This inquiry took place XX/XX/XXXX. I submitted a dispute yesterday with Equifax and they did not remove the inquiry. I have an extended fraud alert. I am also a victim of fraud which is why I have an extended fraud alert on my credit profile. The dispute results came back as " updated '' instead of " deleted ''. The inquiry was not made by myself and should be removed. When I notice anything on my profile that needs to be disputed, it is done immediately. For Equifax to come back within hours and say this inquiry came back verified and accurate knowing I am a victim of fraud confuses me. I do not feel a thorough investigation has be done. This inquiry was not made by me and it pains me that after disputing the item it is only being updated and not removed. I do not own a XXXX XXXX account nor did I make an inquiry. The same way I found that I had an account with XXXX but I never owned an account with XXXX. The same way someone tried to open an account with XXXX XXXX XXXX but I already have an account with them. XXXX XXXX XXXX reached out to me saying someone is attempting to open an account. How they submitted my social security number to them and forms of ID. This attempt was made in Washington last year. The same way someone made purchases with my debit card for a XXXX flight that I didn't take. I was at home. I am not sure how this is being done but what I can assure you of is that I constantly monitor my credit profile and whether or not the inaccurate item is seen right away, I always take steps to address any item I know to be false and not submitted by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Intent to file lawsuit, No validation of debt. 
Validation letter sent to : XXXX XXXX XXXX XXXX Account # : XXXX & # XXXX To whom it may concern : Please be advised I have reported " validation '' ( not verification ) of an item reported to you by the above original creditor/collection agency. I have received the response that does not indicate or prove : 1. I had this service 2. What services I am being charge for. 3.  What the cost of each services I am being charged for. 
Furthermore, ( XXXX XXXX XXXX XXXX ) did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I AM PROCEEDING WITH LEGAL ACTION AS PRESCRIBED BY LAW AGAINST THE ABOVE-NAMED ORIGINAL CREDITOR/COLLECTION AGENCY. SHOULD THIS ITEM NOT BE DELETED WITHIN THE REQUIRED TIME ALLOWED BY LAW I WILL SEEK EVERY LEGAL REMEDY AVAILABLE TO ME AND FILE SUIT AGAINST THE CREDIT BUREAU RESPONSIBLE FOR REPORTING THIS VIOLATION. I urge you to take this extremely serious as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX I ask the help of CFPB I have put much effort for months now and time to get this resolve please me as Equifax has also sent a notice that they will no longer investigate my dispute and has closed my dispute without providing any documents to me that I have requested, I'm afraid the bureau is not investigating properly into this matter. Nor has XXXX XXXX provided me with nothing. I have done my part as a consumer, how is it a dispute has been closed when I have submitted a complaint and the above agency has sent a response that they would investigate, and Equifax instead closed my dispute. How is this possible? Enclose CFPB I have attached a copy of letter sent to the creditor with the date XX/XX/2019, no response was received instead I have been receiving bills from the above creditor ( note this is NOT show validation a statement with a bill of debt ), since XXXX Equifax has stated this account has been verified. How is this possible if the creditor has not even show me nothing? I have attached a response from XXXX I have received about the complaint made through cfpb since XX/XX/2019 mind you first initial attempt to contact this company was since XXXX its XX/XX/2019 and nothing has been receive almost 3 months, also attach is the first letter sent to Equifax ( HIPPA ) proof it was sent and receive by Equifax, also attach is second letter and final letter I have sent to Equifax ( HIPPA ) yesterday on XX/XX/2019. I will proceed with a law suit if these accounts are not removed, both Equifax and XXXX will be hearing from my lawyer if this is not resolve in a timely matter. Once XXXX is removed from my file I request XXXX also request their account be remove from my all credit bureaus.
Product: Mortgage

( XXXX ) This is the third complaint against this company who changed their name from Nation Star to Mr. Cooper, but the complaints are the same. CFPB closed the last complaint because the company responded, that seems to be a common result ... as long as they respond the complaint will be closed. This company has not offered any other help after we have made it clear these payments are not acceptable. We were told that once we made three trial payment our payment would be much lower. The trial payment were made but this resulted in higher payments and the company responding my XXXX exemption was not 100 % and XXXX XXXX sent tax payments out, although the tax were sent back several times. It seems that contacting this agency for help is not working as it once did and mortgage company like this one will continue to play games, hire unqualified people write garbage explanations back to homeowners. I will take this to another agency for help
Product: Credit card

In XX/XX/year>, my wife and I paid for a kitchen upgrade for around {$30000.00} for our new home from Home Depot. At the time, we discussed financing options with the sales rep, and she said that there was a promotional offer of 24 months interest free financing if I open up a credit card and pay at least the minimum monthly payments. We signed up when the sales rep was in our kitchen helping us think through design options and authorized the payment. 

We them paid above the mimimum payments every month ( {$1100.00} ) in order to make sure this was paid off by the end of the promotional period. I set autopay, so I did not look at my statement balance. 

I checked our XXXX balance, and I noticed we were being charged {$660.00} in interest for the month, so I looked back and saw that we had been getting charged for interest since XXXX. 

I called customer service on XX/XX/XXXX. They said that the sales rep must not have put the correct financing option in, but said that because I caught this outside of a 60 day window that there is nothing they can do to fix. Even though it was a sales reps fault, they said it is up to the consumer to catch it. As a result, they said this is now an interest bearing balance. I asked to escalate this further, and they said there is nothing I can do except send a letter to the executive response team, and they gave me a po box number and a fax machine. 

I do not think I should be responsible for thousands of dollars in interest because of a mistake from the sales rep and a 60 day window that I missed.
Product: Credit reporting or other personal consumer reports

I'm contacting you once more concerning a critical issue. Despite my previous alerts, my credit report still shows unauthorized inquiries due to identity theft. While you have eliminated some, additional ones persist and new ones have been recorded. It is legally required that you expunge all such inquiries. Thus, I request that Experian, XXXX, and XXXX Credit Bureaus erase all illegitimate inquiries mentioned in my identity theft report. Below are the items I request to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

My two business accounts were closed at Bank of America, with no warning and no explanation : o XXXX XXXX XXXX. # -XXXX approximately {$6000.00} balance o XXXX XXXX XXXX  # -XXXX approximately {$6000.00} balance I was told that they were legally allowed to do this according to the deposit agreement I signed when I opened my account 18 years ago, however they can not provide me with my signed copy.

For the past few weeks, I have spent various hours on the phone speaking with supervisors and have gone to my local branch and no one will give me any information.

I received a document for each account dated XXXX XXXX  2018 which states, Weve closed your account listed and any remaining balance wont be returned to you.

I have no access to my account, my money, or my bill pay information, and the various Supervisors Ive spoken with in the account closure department ( the number listed on the letter ) continue to say my account is under review, with no speculation as to when I will receive further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XX/XX/XXXX {$110.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$230.00}
Product: Mortgage

I am paying on a mortgage for my personal residence located at XXXX XXXX XXXX, XXXX, CA XXXX. I purchased the home in XX/XX/XXXX and it was financed by XXXX XXXX XXXX. The initial loan was an interest only 5 % fixed 40 year loan. The loan was interest only for the first 10 years, after which it would convert to a 30 year fixed rate note at 5 % until paid off in XX/XX/XXXX. I have made all mortgage payments on time since I have owned the home. 
XXXX XXXX XXXX sold the mortgage in XX/XX/XXXX. Please refer to the attached Mortgage Servicing Timeline. The loan has been sold five times since XXXX XXXX XXXX originally owned it. 
Although I have made all of my payments on time to the servicer I believed to be the correct one, one payment has gone missing. I believe this occurred sometime between XX/XX/XXXX and XX/XX/XXXX. I am honestly not sure which of these companies has my money -- -I  want it back. The current servicer, Select Portfolio Servicing stated to me on the telephone that they would be  responsible for recovery of the missing funds and return them to me if I could help identify the culprit. I assumed at the time this would include seeing that corrections to credit bureau scores would be made. One of their representative s told me he believed the evidence indicated there was a missing payment, but he was unwilling to give a letter to that effect. 
So far none of these commitments have been kept by Select Portfolio Servicing. It appears they believe that I am one month behind in my mortgage and my credit score is a miserable XXXX. It should be somewhere close to XXXX. 
I can provide bank statements for my XXXX XXXX credit union account for relevant months if necessary. The CFPB has my permission to view any relevant documents necessary to get this corrected. The loan recently converted to a fully amortized 30 year fixed rate loan. As a result the payment has increased and I am now chipping away at the principal. 

Please help me get this corrected, I am not sleeping very well
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2017 - Remitly continued to process an unauthorized transaction. I requested my remittance to be cancelled instead and not proceed because I can not provide them with the additional ID that they are requesting from me. In fact during the transaction, Remitly suddenly put a review/hold on my remittance. They also sent me an email saying that there 's a hold on my transaction. The email said that they need some additional documents from me before they can move on forward with the remittance. So, I told the rep that I do not want to proceed anymore. I did not provide them with any other documents that they requested so I told the rep to just cancel the transaction instead. To my surprise, Remitly still processed {$160.00} out of my bank account even when I told them I want to cancel my remittance. Another thing also is that they still charged my bank account even when there is a hold on the remittance due to the pending review that they are doing. Honestly, I feel cheated, mis-informed and was taken advantaged of, most especially when I suddenly received a notification from Remitly saying that the money was already delivered to the recipient. Basically, Remitly delivered the money to the recipient without my consent. Remitly did not cancel my transaction even when I told the representative to do so. Remitly proceeded with the remittance without my approval and authorization. Now, the Remitly manager that I spoke with repeatedly told me that they can not do anything about it since it 's been delivered already to the recipient eventhough I never authorized Remitly to proceed with the transaction.
Product: Mortgage

I submitted a request to my mortgage company, Freedom Mortgage, XXXX, TX. That request was submitted on XX/XX/XXXX and I asked that they pay my property taxes from escrow prior to XX/XX/XXXX. They never responded to that request which was sent via email and they confirmed receipt of that request. When I called Freedom to follow up, they explained that they could not pay my taxes prior to XX/XX/XXXX due to CFPB regulations ( that was statement was made within a recorded phone call with me ). I stated that this seemed very odd given that the property taxes were due prior to XX/XX/XXXX but 30 days of grace are provided for payment. I would like to know if CFPB does in fact have a policy that would disallow Freedom from fulfilling my request. If a CFPD policy to this effect does not exist, I would like to file a complaint against Freedom for deceptive and misleading practices. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am against this algorithm XXXX XXXX. The scoring system does drastic things from XXXX day to the next, even though a person 's situation has improved it can wreck havoc across your credit report in a negative way. For example when the system on XXXX XXXX was implemented from XXXX to XXXX, my credit score dropped XXXX pts immediately without any explanation, and more recently this is my same complaint. I had a XXXX credit score across 2 bureaus, XXXX and Equifax, for over 8 months straight without change. I opened a chime checking acct and my score increased XXXX pts I opened a XXXX XXXX XXXX acct, and it climbed another XXXX pts. I thought this is great, I am finally on track to improving my score, also I connected that credit builder acct to XXXX XXXX to get added benefits. I then opted out, and sent in a police report to clear off one of the debts listed. So in less than 60 days, I opened a checking acct, credit builder acct-paid off some bills, removed one debt off the report, and opted out. All of these things were recommended by XXXX XXXX, I was awarded a higher score for about 13 days, and I was happy to be clearing these things up. XX/XX/XXXX I wake up to an email from XXXX XXXX saying that my credit score changed, my score had plummeted XXXX pts. across both bureaus and there was absolutely no reason for it. No negative changes can be seen on either end, mine, or the XXXX computers. They gave me some excuse about it being an algorithm out of their control and stated it doesn't matter what I do to try to increase my score, because it's all based on an algorithm. This algorithm is ruining my life and no one can tell me why or stop it. I also reached out to XXXX without any response. I have escalated this with XXXX, but I feel this is beyond their control, they are subject to this algorithm as well. I need help, this has to be affecting more people than just me. If a person CAN NOT affect change regarding their own credit score, then it seems like a trap that one can not remove themselves from. I'm like a rat in a trap who keeps struggling to get out but no matter what I do it's ineffective. I should be made available all of the information they are using to make determinations regarding my score which severely affects my life and the ability to live in society as others do, it is my information after all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its the credi Bureaus I paid off stuff its not off accounts paid off still on a derogatory remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX Account Number : 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: 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 XXXX # XXXX, has violated my rights. 
XXXX  XXXX XXXX / XXXX, has violated my rights. 
XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX 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