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

Name : XXXX XXXX XXXX ID : XXXX Date of XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : CAPITAL XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted credit acceptance due to a balance owed on auto loan that I had stop paying for. We were able to come up with a payment agreement and due date. I have Been paying that amount of the due date since XX/XX/year> but it has still been reporting to my credit as being late. I was Under the agreement that setting it up will put me back on track until its paid in full and would not report to my credit as late every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX Equifax And XXXX XXXX trying to get these credit inquires off my credit report which are effecting my score. All have told me well just to lock my credit and they cant get the inquires off my report. I only have XXXX accounts XXXX with XXXX XXXX   and XXXX with XXXX otherwise they are not mine. would like for them to come off my score so i can start making my credit better.
Product: Credit card

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling {$1400.00}. 

On XXXX XX/XX/XXXX part of the order was delivered and the other part was reported to me as lost. XXXX stated they would refund the order on XXXX XX/XX/XXXX if it still had not arrived ; on XXXX XX/XX/XXXX, XXXX reneged and claimed the order would arrive in the Spring of XXXX. 

On XXXX XX/XX/XXXX, I requested a refund as promised for the lost items, totaling {$880.00}. XXXX refunded only part of that order at the time, totaling {$260.00} : the representative stated he was unable to refund the remainder on his own, but that I would receive the remainder of the refund ( {$610.00} ) within 48 hours. That did not occur. 

On XXXX XX/XX/XXXX I attempted to resolve this through executive contact at XXXX. I received no reply. 

On XXXX XX/XX/XXXX, after recovering from illness that prevented me from calling during XX/XX/XXXX, I called US Bank and initiated dispute XXXX  XXXX for the {$610.00} I still had not received. The representative did not allow me to submit any of my documentation and continued to ask why I did not return the merchandise, evincing that she likely did not file the dispute properly as " merchandise never arrived. '' On XXXX XX/XX/XXXX, US Bank denied my dispute and claimed that XXXX was not obligated to return the money, which violates both XXXX 's own statements to me and obvious legal requirements. US Bank claimed that I did not respond to a letter that was sent, but said letter never arrived and US Bank made no attempt at alternate contact methods. 

On XXXX XX/XX/XXXX, I emailed executive officers at US Bank explaining that the dispute had been closed in XXXXXXXX XXXX  favor and asked for them to review it again. I provided further information. 

On XXXX XXXX XXXX XXXX XXXX I spoke with an agent via phone at the executive office and he confirmed that the dispute would be reviewed and the decision reversed as long as I faxed in information they would ask for via a letter. 

On XXXX XX/XX/XXXX, said letter arrived at my address. 

On XXXX XX/XX/XXXX, I faxed in the requested information and received confirmation that the fax was successfully delivered. 

On XXXX XX/XX/XXXX, a letter arrived stating that US Bank reneged on the promise by the executive agent. They did not review the information I sent and refused to reopen the dispute at all. The letter further unnecessarily insinuated that they expected I would not pay, despite me never missing a payment and having already paid this account off shortly after the debacle started. 

In summary, I have spent five months attempting to receive a refund for merchandise that was not delivered and both the merchant and the bank have refused to process that. I have attached copies of every email regarding this issue, the attachments to emails, the fax I sent, and the letter I received on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I have received my money transfer of {$10000.00} on XX/XX/year> and reflected in my account. I was able to exchange XXXX to XXXX, when I tried to withdraw, It said that the XXXX withdrawals were currently unavailable. I then exchanged the XXXX back to XXXX and have an amount of {$10000.00}. I contacted Bitstamp support and had a video call with XXXX. I explained to him that I was introduced to crypto investing by my son and he manages my investments with my consent. After that multiple messages were sent to support asking for an update on the withdrawal and if they can even just return my money to the originating bank account, which is in my name. XXXX XXXX was the person that responded to the request ticket. Ticket number # XXXX. To date I am yet to receive proper feedback on what is going on.
Product: Checking or savings account

Hello, My husband received his EIDL on XX/XX/XXXX to an account he specifically delegated to the loan. He then transferred money to our joint account so we could pay bills related to his real estate business. Chase bank immediately froze all our accounts. ALL. Chase is demanding that we either supply a EIN, which doesnt exist. The loan was qualified using his SSN. Or a 1040 with a itemized profit and loss which he doesnt have either. Just a 1040. Chase said they will close the account and keep the money until their requirements are met or if we give back the money to XXXX which is fine. But, XXXX says Chase needs to send the money back and Chase says XXXX needs to take the money. 
Ultimately we would like to keep the money as it will help us stay afloat but if we have to send it back thats ok too. But our hands are tied and Chase is stealing peoples money. We are not the only ones. 

Thank you,
Product: Debt collection

Good Day, hope is well. At this time I am stressed out about this account that has been hunting me for too long. I have contact over 12 different representatives, supervisors and managers that has given me the run around.

The account name is Kinum was agreed to pay cash up front and then finance the remaining balance. The remaining payments were paid in cash, debt card or credit card monthly directly to the store. After receiving a notification on my credit report, I contact the company directly. No one seem to see a remaining balance or anything going to collections. Another notification was received but yet no one could find the account beside one manager. He informed me that I had 3 payments left that were not calculated so I did not want any trouble or this account to report negative status, I went ahead and made monthly payment. The Manager assured me that once the payments are paid in full, the account would be removed from my credit report. This account was never removed from my credit report at all. It was reported to another credit bureau as if I owe another balance which is inaccurate information. 

With these action of reporting on my reports are inaccurate and very disrespectful to my character. The crazy part about this account is after speaking with multiple individuals, the account will be transfer from one credit bureau to the next as if the company is deleting the account from one and placing the account on another one. All I am asking is someone to get this right and remove this inaccurate information as soon as possible. My wife is XXXX. 

Hopefully someone will review this information fast before my wife gets upset again. 

Thanks for your time and handling this account soon.
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 confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting A

ct ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account XXXX was illegally reported during a " covered period '' XX/XX/2020 this account was reported 30 days late during the covered COVID-19 period. This is a violation of 15 U.S.C 1681-2 ( f ) ( ii ) " covered period '' means the beginning period XXXX XXXX and ending on the later of ( aa ) 120 days afterMarch XXXX ( I ) report the account as current.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX 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

TransUnion Credit Reporting Company, My TransUnion Credit Profile shows an Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX. An inquiry should only be on a person 's credit profile for two ( 2 ) years, the date of my complaint is XX/XX/XXXX ; therefore, the inquiry should be removed immediately.
Product: Debt collection

I was contacted this Morning by XXXX with Rauch Milliken International Collection Services.regarding a debt that isn't owed by XXXX, XXXX We advertised with XXXX  XXXX  for a short period 2018. The account was turned over to a collection Agency for a debt that isn't owed. XXXX XXXX the account representative for XXXX ran radio advertisement with out my written authorization for a extended period. 
Correspondence was sent to XXXX  accounting dept.stating we did not approve the advertisement to continue to be ran. XXXX  account representative XXXX XXXX is operating and selling advisements with no honesty or integrity. I also never received correspondence validate this debt as required by law after being informed I have 5 days to resolve this matter before legal action is filed.
Product: Mortgage

The company contacted me via phone after I had complained about their repeated calls and they had told me they had removed my number from my account and flagged it as no contact. I previously made a complaint about this, and many other things. The company did not even address this in their response.

The company also had several employees lie to me and make bad faith suggestions on the phone and through their chat service. This was also not addressed in their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX   XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX  XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Debt collection

Received a letter in XXXX from US bank loss prevention team in regards to a past due and delinquent account and they had been unable to each me. I had no previous contact. The letter stated that I needed to contact them to work it out to prevent further collection action. At same time had a credit report come back that noted my score had dropped due to a delinquent or late payment. I have nothing delinquent. I contacted the Loss Prevention Team on XX/XX/XXXX via the number provided to tell them I do not even bank with them, nor do I have an account. They said they couldn't do anything about it l, couldn't tell me if they had filed this against my credit, and forwarded me to the Bank Manager. The Bank Manager said he could not pull up my name on the account but also couldn't do anything and forwarded me to their Dispute Department. All my information was taken. I said I wanted to know if anything was reported on my credit and I wanted this cleared up and that if it wasn't corrected I would file a complaint. I was told it would be reviewed and I would get a written response within 30 days. I received no response as of today regarding my dispute of this attempt at debt collection. But today I got another letter, same as the one I received in XXXX but with a different amount past due. I am filling this complaint instead of calling them again as none of the 3 people I spoke to the first time appeared to care at all. Will provide a copy of the most recent letter. I have not obtained a new credit report as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Finance, I am writing to request a correction of the following information on my [ XXXX, TransUnion ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

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. 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 : A consumer reporting agency can not furnish an 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. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file. 


Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ATTENTION REGARDING XX/XX/2018 THIRD PARTY REIMBURSEMENT transaction on my XXXX sole account XXXX XXXX XXXX XXXX XXXX XXXX nd  XXXX XXXX bank OF America allowed a third party the capability of accessing my account without my permission or knowledge. 
I just got hung up on by XXXX at XXXX boa customer service while being placed on hold for 25 minutes. then I was told she could not access my 2018 info and then I asked her again to tell me WHO IT WAS THAT BOA let have third party access to my account. She said she did not know and hung up on me XXXX XXXX and Mr XXXX of boa regulatory admit to the third party transaction but brush it off as it WAS only {$15.00} .... 
Mr XXXX XXXX and XXXX XXXX and XXXX XXXX were advised numerous times that I needed the third party info but to date will not disclose the info. 
I still have not found out who transferred my life savings and settlement monies but knowing who bank of America let have third party access to make any type of transaction to my own sole account is certainly helpful
Product: Mortgage

On XX/XX/XXXX, my husband ( _________ ), and I _______ ), paid off in full, our mortgage with Fifth 3rd Bank. When we requested the payoff figure from Fifth 3rd Bank, we specifically made sure that we requested that they included all loan modifications that we made to our mortgage. We trusted Fifth Third Bank, to give us the total payoff figure of all the monies that were owed against our home so that my husband and I were no longer legally financially obligated to pay any more monies against our home. So, when Fifth Third Bank, gave us the total payoff figure of {$140000.00}, it was through our understanding that this was the total amount of our modified mortgage.

After my husband and I paid off the payoff figure, we received our mortgage release discharge and a copy of our deed. We believed that this was an indication that we were no longer legally financially obligated to the bank. and that we owned our house. 
Fast forward ten months later, a letter from XXXX, that was addressed only to my husband and not dated, stated that we still owed {$28000.00}, against our house. I contacted XXXX, and they informed me that I have to contact Fifth Third Bank about this matter. Yet when I called Fifth Third Bank, they informed me that I needed to speak to XXXX. 
I made numerous attempts to get this resolved through both agencies and neither one of these agencies will assist me because they feel that the other agency is responsible for this error. I reached out to Vice President XXXX XXXX, at Fifth Third Bank, on XX/XX/XXXX, XXXX and again, I was informed by Vice President XXXX XXXX XXXX that she was forwarding my issue to the complaint department. I am seeking assistance from anyone who is willing to help me with this matter. 

On XX/XX/XXXX, I sent an e-mail to XXXX XXXX, Head of Residential Mortgage, at Fifth Third Bank, requesting his assistance regarding this mortgage issue and informed him of all the problems I had been having trying to get assistance from the staff at his bank. 

On XX/XX/XXXX, I received a phone call from XXXX XXXX, Head of Mortgage, at Fifth Third Bank 's Complaint Department responding from email that I sent. While discussing the loan modification payoff, I asked XXXX XXXX about the money that HUD gave for the loan modifications. XXXX XXXX, responded that HUD, never gave Fifth Third Bank, any money what's so ever. I then asked XXXX XXXX how was this possible? Her response was for me to call XXXX, with no explanation. So I asked XXXX XXXX, for a detail break down of all the payouts concerning my loan and modifications. I stated to XXXX XXXX, that I requested a detail payment and all payments from XXXX to XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX, from FHA Department, who informed me that HUD received a loan amount of {$28000.00}, from Fifth Third Bank. 

I am waiting for managers from different agencies because there is a discrepancy with both sides.
Product: Debt collection

CMRE debt collectors agreed to remove debt from my credit report. They removed it, then re-added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016
Product: Debt collection

I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.