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

XXXX XXXX  XXXX, CITI Cards XXXX  and XXXX XXXX each requested a credit check through XXXX Credit File against my knowledge. Someone attempted to open accounts with each of these Banks. I have received communication that a " hard Inquiry '' may be placed on my credit file and it stays on my credit report for 25 months. I have reached out to each of these banks separately and have had little success getting them to remove the inquiry. XXXX XXXX was the only bank where I talked to someone in their fraud department and was successful in having this removed from my credit. They informed me it would be removed within 60-90 days.

I have had a freeze on each of the three credit bureaus since XX/XX/year> but I had to remove my freeze with XXXX for 1 week for a cable company to run a soft credit on my account. Since this issue, my account with XXXX is frozen once again. 

The dates for each Bank and their request are below. 
Thank you! 

XXXX XXXX XX/XX/year> CITI Cards XXXX XXXXXX/XX/scrub> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting 2 incidents of identity theft that appear to be related. 

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX 2. XXXX XXXX, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX ( an XXXX  company ) on XX/XX/XXXX that that the balance of {$970.00} has been reported by XXXX as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ). This has impacted my ability to get the best rate on an auto purchase ( the lender increased the rate by 1.00 % after 10 days from the purchase date ). 

I also received a response from XXXX regarding my dispute that above mentioned XXXX account is still scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm placing a freeze on my credit with all three agencies - two of the three -  XXXX and XXXX had the freeze in place online in a matter of minutes. Equifax is throwing up consistent roadblocks. First, upon initiating the account setup on XX/XX/2019 Equifax prevented me from logging in - claiming I needed to wait for a PIN in the mail. After receiving the PIN on XX/XX/2019, entering it and seeing the appropriate confirmation screens Equifax still prevented login and forced me to call an online help number. After ~40+ minutes on hold and several minutes on the call the support person sends a password reset link which requires me to wait another 24 hours to be able to attempt to log into my account. The support person then claimed he could implement the credit freeze but then after more time waiting came back to say he would require additional documentation through the mail. This experience makes it clear Equifax does not wish to comply with either the letter nor the spirit of the Credit Freeze legislation by placing multiple roadblocks at every step - hoping consumers will jut go away.
Product: Checking or savings account

Hi I bank with Wells Fargo for checking and savings, I am XXXX XXXX  XXXX! I paid my mortgage payment in error twice through bill pay from my Wells Fargo checking account! When I noticed the error I contacted my mortgage holder which is XXXX XXXX! They expedited it to send the extra payment back to my Wells Fargo Checking Account w/ Confirmation that the payment was reversed back on XX/XX/XXXX! Since then I have put in two claims XXXX XXXX ' talked to management & after 3 weeks XXXX XXXX XXXX  refuses to put the money back in my account?? The first claim number I placed was XXXX with a Team Lead named XXXX on the XXXX? Below is the other claim number and email I received? XXXX did their job by sending the money back! XXXX XXXX has still refused to track and/or put back in my account! I need that money back in my XXXX XXXX Checking Account ASAP! 

Please assist w/ this as usually they provide a temp credit while they are confirming the funds have been sent back? This has not been done! I still XXXX weeks after XXXX reversed the payment on XX/XX/XXXX!
Product: Money transfers

Western Union claimed my friend would get the money in minutes. I did the entire process correctly and even called to verify everything and speed u the process. The lady on the line told me everything was set and the money was available for pick up. My friend waited hours then was told it was still on hold. I had tried to cancel my transaction XXXX just to be told my money would n't refund to me for 3-5 days even though it never even went anywhere to begin with! This was my first time ever using this service and my last!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX stated I owed a debt that I do not owe. They gave a XXXX dollar move out balance and refunded me my deposit. Months later they stated I owed them XXXX dollars after I moved out, after they signed a statement saying I didnt owe them initially.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I DO NOT AUTHORIZE XXXX XXXX  OR ANY OF HIS MINIONS OR ANYONE FROM THE TRUMP ADMINISTRATION WHO DOES NOT HAVE A NEED TO KNOW TO ACCESS ANY OF MY STUDENT LOAN, SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBERS, OR ANY OTHER PERSONAL OR PERSONALLY IDENTIFIED INFORMATION. 

EXPELL THE FAKE DEPARTMENT OF GOVERNMENT EFFFICIENCY FROM ALL GOVERNMENT AGENCIES IMMEDIATELY. 

AN EXECUTIVE ORDER IS NOT A LAW. ANY EXECUTIVE ORDER CAN BE OVERTURNED BY ANY JUDGE. ONLY CONGRESS CAN MAKE LAWS AND ONLY CONGRESS CAN CREATE OR DISMANTLE A DEPARTMENT. THE FAKE DOGE IS OPERATING ILLEGALLY WITHIN THE GOVERNMENT DATABASES.
Product: Credit card or prepaid card

Hi, I chatted with XXXX about how to send info for a dispute I opened. I purchased a product ( a wig ) from the seller below, XXXX XXXX XXXX on XX/XX/2020 XXXX FYI - correspondence between the seller and I go back to XX/XX/2020 to inquire about the product ). I was told to place a 50 % deposit and that the remaining will be due when the product is complete and I will be provided shipping and tracking. The deposit was not specified as non refundable at the time of inquiry or even afterwards when I reached out multiple times and got the runaround. I was also told that I would receive status updates on the product, which hasnt been fulfilled. Ive had to reach out for communication with the seller, which is something I shouldnt have to do. 

I was told that the time to take to complete the product would be 2-3 weeks from when I placed the order, which would place the completion date on XX/XX/2020. When I reached out on the 3rd week, I was told an item that is required to complete the product just arrived and that my product would be ready for delivery the next week XXXX XX/XX/2020 ). I reached out on the 4th week inquiring about the status and she said it wasnt ready, providing another excuse. She said it would be ready with shipment and tracking information available on the following Tuesday ( today, XX/XX/XXXX ). It is now Tuesday, XX/XX/XXXX, one week from our last communication, and I have not received an update on the status of the product, as she said she would provide ( she lied ) ; she has not reached out to ask about the shipping address. From the images youll see the full price and how much I paid as a refundable deposit that I need returned. 

I placed a $ XXXX+fees, making the total {$330.00}, via XXXX. The deposit I paid was not specified as non refundable via text/phone or anywhere on her business pages. I decided to open a dispute to have the money returned. I have not received the item and it hasnt been shipped, as she doesnt even have the info to ship it. 

The communication from the first time I inquired about the product, until now, is below. Her business website is not functional. She does have an active social media presence and her XXXX business page is active. 

Im just wanting a refund, since the product has not been shipped as its not even complete. I will not be at my location to receive the product, even if she were to obtain my address and mail it. At this point were going into week 7-8 from the time I placed the order and week 4-5 from after the initial timeline she provided of 2-4 weeks. 

On XX/XX/2020, Citibank ruled in favor of the merchant, which is absurd, considering that I have the invoice from the merchant, already paid {$330.00} deposit to the merchant, and I havent even received the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent proof and have asked repeatedly for them to delete the account due to inaccurate information. ChexSystems agreed that is was inaccurate and removed the account but yet reinserted the inaccurate information. I have included a notarized statement of truth as well the case number to my previous dispute with the CFPB.
Product: Credit reporting

Tried submitting a dispute online with Trans Union but the online system wo n't complete the dispute. Trans Union deleted XXXX hard credit inquiries and then put them back on a month later causing a major raise and then lowering of my credit score with Trans Union.
Product: Checking or savings account

My complaint, is against Chase Bank. On XX/XX/2018 @ XXXX, I deposited {$70.00} into my checking account. However, my monies ( {$70.00} ) for my check # XXXX  in the amount of {$69.00} was " unlawfully '' transferred to another account ( documented as : # XXXX-XXXX XXXX XXXX ) that belongs to another individual ( XXXX ). I was unlawfully assessed, a NSF {$35.00} ( which have caused my account to in the negative ). I have requested, that Chase Bank return my monies to my account and CEASE AND DESIST their illegal withdrawals and transfers of my monies from my account ( to another individual 's account ). My name, is the " only '' name on my checks ( from the day that I opened my account ). As a " qualified individual with XXXX '', I have requested that Chase Bank Representative 's, Managers, Supervisor 's in the collections department and banking return my funds to my account, expeditiously ; however, they have REFUSED! As of today, they are continuing to practice discrimination ( based on continued harassment and retaliation ) @ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX # XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

When I first signed up for Zelle there was not a warning message about transfers. I was not warned to make sure it was the right person I was sending it to. The correct warnings were not put in place. Therefore, I would like to file a claim.
Product: Mortgage

I have been applying for a loan modification with Nationstar mortgage for the past year and still have not been able to get Nationstar to review my documents. I have completed all documents and Nationstar has verified they have been accepted except for my profit and loss statement. Thus I redid the profit and loss statement and sent it back to them. Again Nationstar has sent me a request for yet another XXXX and not reviewed my modification. This has been repeated five times now since XXXX 2016. I have done a year to date XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and submitted it four times in 5 months. I fear that all of my other documents for the loan modification they have accepted will soon expire while this delay is taking place.
Product: Mortgage

I sold the home connected with this mortgage on XX/XX/XXXX. On XX/XX/XXXX, I contacted Dovenmuehle, which was my loan servicer, and asked when I could expect to receive my escrow refund check. Dovenmuehle responded the next day and said it normally takes 15 buiness days to mail the check. I responded the same day, XX/XX/XXXX, and asked that they mail the check to my new address, as I obviously no longer live at the address assocaited with the home I sold. Dovenmuehle responded on XX/XX/XXXX ( XXXX days after my message ) and said the check for {$2200.00} was sent to my old address on XX/XX/XXXX ( XXXX days after I asked that they mail it to my new address ). The message said I needed to wait 30 days after the check was allegedly mailed to request a new one. On XX/XX/XXXX, I emailed Dovenmuele customer service and asked that they please reissue the check to me. I did not receive any response. I followed up today, 5 days later, after still not hearing from them, and have still not received a response.
Product: Mortgage

I received an email from my mortgage company on XX/XX/XXXX stating that they had not received payment for my XXXX mortgage. My wife and I confirmed with our bank that payment was made to the mortgage company on XX/XX/XXXX via bill pay in the amount of {$1300.00}. On the evening of XX/XX/XXXX, I sent via email that the payment was processed, the email included the confirmation number. After discussing the matter with representatives from the mortgage company on XX/XX/XXXX and again on XX/XX/XXXX, I also sent proof of payment via fax on XX/XX/XXXX. My phone calls and the documents I sent to my mortgage company initiated an opening of " payment reapplication task ''. On XX/XX/XXXX, I received notification via mail from our mortgage company that our XXXX payment is past due and that we have been charged a late fee of {$43.00}. On XX/XX/XXXX, I received a correspondence from the mortgage company explaining that my request had been reviewed and the following resolution was determined, " Please have homeowner check with their bank to see if the check that was sent has been cashed. We have checked the system and are not able to locate the funds or check '' and the correspondence went on to remind me that my payment was past due. The correspondence included only XXXX attachment, my Loan History Summary, which showed no payment for XXXX. After receiving this message, my wife and I reached out to our bank to confirm that our payment was sent electronically and that the mortgage company had NOT refused payment. We asked for additional proof from our bank and they provided the Payee Routing #, XXXX XXXX #, and File Trace # for the XXXX payment. As suggested by their representative, we passed this information via the Contact Us section of our online account with the mortgage company on XX/XX/XXXX and they sent an email confirming they received our inquiry. On XX/XX/XXXX, I received correspondence through the mail requesting that I contact my mortgage company to discuss options to avoid foreclosure and that a negative report may be sent to a credit reporting agency if I fail to pay. The same day I called the mortgage company for a fifth time since receiving the first email on XX/XX/XXXX. An automatic notification informed me that " the task has been completed '' referring to the payment reapplication task regarding the XX/XX/XXXX payment. The representative I talked with stated that, despite sending in proof from my bank on XXXX separate occasions, they do not have proof of our payment that my wife and are still delinquent on the XXXX mortgage payment. I asked to speak with someone from loan servicing and I was told that the only way to correspond with them would be through email. Feeling our mortgage company had been dismissive of the proof I provided and feeling that my credit is particularly under threat, I decided to submit this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Certified Credit Reporting Report # XXXX, TransUnion, XXXX, and XXXX  have erroneously listed some mortgage accounts under " delinquency '', however after contacting the mortgage company ( XXXX XXXX - XXXX : XXXX XXXX, they found this to be in error. To date, neither the mortgage company nor the credit bureaus have fixed this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TransUnion was documented reporting inaccurate information on my credit report. A dispute was filed and is still pending. TransUnion has previously reported and removed inaccurate information. XXXX XXXX XXXX  account number XXXX. Now three more account are being reported inaccurately. As a result of XXXX XXXX TransUnions failure to follow reasonable procedures to assure maximum possible accuracy, in multiple instances causing numerous violations ( {$1000.00} per violation ). XXXX  has provided consumer reports with incorrect and misleading information regarding a consumer.
Product: Debt collection

I discovered that COLLECTION BUREAU OF XXXX XXXX XXXX FL XXXX XXXX has furnished negative account information to my credit reports with XXXX, XXXX, and XXXX. The negative information is false and misleading and has damaged my credit rating and credit standing. This has severely hurt me and my family, preventing us from obtain credit for personal, family, and household purposes. Please see attached.
Product: Debt collection

I encountered challenges with a medical collection account ( USCB AMERICA, Account Number XXXX ) on my credit report. Despite efforts to address it, the account adversely impacted my ability to secure housing. I believe there are inaccuracies and discrepancies as per FCRA Section 623 ( a ) ( 2 ). The reported amount is {$750.00}, and the account status reflects a past due amount as of XX/XX/. I have taken steps to improve my financial standing, and I kindly request a thorough investigation and removal of the disputed information as guided by FCRA regulations. When I called they said I needed to pay {$830.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 5 separate fraudulent accounts appearing on consumer XXXX credit report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account XXXX XXXX XXXXXX/XX/XXXX in the amount of {$720.00}, XXXX XXXX XXXXXX/XX/XXXX in the amount of {$530.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX in the amount {$1600.00}, XXXX XXXX XX/XX/XXXX in the amount of {$430.00}. XXXX XX/XX/XXXX in the amount of {$720.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen by XXXX XXXX got me owing a {$190.00} to chase bank and also other companies
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 accounts 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 accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX