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

Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!
Product: Credit reporting

I wrote letters to XXXX XXXX and Experian asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Product: Credit card or prepaid card

I am in the process of trying to work on improving my credit credit and credit scores. I called Capital One at their customer service telephone number on XX/XX/XXXX at XXXX EST and spoke with a representative. I was trying to get a full list of my payment history from both credit card accounts. I was told that I could only be sent 15 statements of my payment history. I inquired on why such a large company would be only to send me the last 15 statements and not all the payment history. I then was told that she would have to speak with an internal person for assistance. She came back and gave me the same answer as only XXXX statements. I then asked for a supervisor and spoke with a team leader, who reiterated the same thing again. She insured me that I would get the payment history sent to me. I still have not received the statements either email or through the regular mail. I need to have proof of my payments made to my accounts and that information is not listed in the app or on my accounts. Please assist me with getting the payment history for the entire time on both of my credit card accounts. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding the inaccurate bankruptcy information on my credit report. Despite the Fair Credit Reporting Act ( FCRA ) 611 requiring a response within 30 days, I have yet to receive any confirmation from your department. 
The erroneous bankruptcy details in question are as follows : XX/XX/XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX/XXXX/2016
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the creditor has violated my rights under XXXX USC XXXX section 602 states " I have the right to privacy '' and XXXX USC section 604A section 2 also states " A consumer reporting agency can not furnish an account without my written instructions. '' Under XXXX USC XXXX, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the account listed below. I believe it was reported in error. 
XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00}
Product: Mortgage

The mortgage company BSI Financial had incorrect amounts for our taxes on our escrow reconciliation. They also failed to pay the taxes by the due date. We submitted all of the documentation for the correct amounts and they refused to process the correct amounts for tax payments. They are unresponsive and continuously give us the run around. We also asked to close the escrow account ( which we should be able to do legally because we made a down payment of over 20 % on our house ) and they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint about Equifax Credit Reporting company not being able, willing or capable to place a freeze on my credit report, as requested by me. After the published security breach at Equifax I attempted to place a freeze on my credit report, both through the Equifax Credit Freeze website and over the automated Equifax Credit Freeze telephone service and neither of them were able to put the freeze in place. No explanation was given and nothing is put in place to follow up. In a security breach like the one that just happened time is of the essence to safeguard consumers information and it is extremely frustrating that Equifax is unable to accomplish just that.
Below is the error message I received after spending valuable time completing the freeze request.
Thank you! 

System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
Product: Credit reporting or other personal consumer reports

I advised all three credit bureaus, XXXX, equifax, and XXXX, that collections were not mine and I had no recollection of accounts. I asked for them to provide proof that I signed documents with collection agencies on my credit report. No information was provided and XXXX of my disputes are still on file. All three credit bureaus have record of my identity being stolen on file as well. I can only view equifax dispute request. XXXX does not provide my dispute history and XXXX  only shows XXXX. Ive filed multiple disputes with each company
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 an inquiry by XXXX  XXXX showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call equifax and they can fix it i did that and to no avail they had me call them back and XXXX  XXXX cant fix it because they said its equifax error so i went back and forth several times and was told by equifax that i need to file with ftc so here i am, i have had a XXXX  XXXX card for years and dont need another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX  XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX  open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. XXXX accounts including bank accounts.XXXX  these inquiries ARE NOT MINE. Im fixing not ruining. Commentity XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you 3 sister companies Ginnys opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, XXXX, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, Ally XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : inquiries not mine XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX MI XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Product: Money transfer, virtual currency, or money service

i took a certificate of deposit out with synchrony bank. they advertised no cash out penalty. unfortunately my circumstances had me cash out early and they charged me penalty fees. i was told by XXXX and XXXX on XX/XX/2018 that they would charge me fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regard to XXXX and TransUnion, I had sent a " Goodwill '' request to XXXX, asking them to fix the errors ( not delete them ) before disputing the reporting errors with TransUnion. The letter XXXX XXXX and XXXX sent back in response was that they are 'accurately reporting and can not change the rating status '. TransUnion 's response was that they 'Updated the Rating on the Accounts ' ( see attached documents ) I will, again after submitting this complaint, write to both entities, again, to inform them that they are STILL and willfully and incorrectly, against the laws of the FCRA and FDCPA, reporting my account as accurate and complete. Not only is there an immediate jump to 90 days late, there is another immediate jump to 120 days late following years of on-time payments. FOR ALL 12 ACCOUNTS. 

I have run out of means of assistance, except the CFPB. Please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not responding Ive asked 3 times they prove this belong to me Im starting to they they are lieing to me about this bankruptcy
Product: Mortgage

I have for 2 years paid my escrow shortage in full. Both years my mortgage payment continues to go up even with a cushion they add in addition to my escrow. I have tried on both years to get someone to explain it to me as I have never had this happen before. I still do not understand a cushion in addition to escrow. If I am paying a shortage in full my mortgage amount should not change. Additionally, I was told I should not pay a shortage and just pay the increase. If I was to not pay and have a payment of $ 590+ a month and I pay the shortage in full and still end up paying $ 568+ a month it doesn't seem right.
Product: Money transfer, virtual currency, or money service

I was set to close on a first-time home purchase this week so I sent a wire transfer from Ally Bank XXXX XX/XX/XXXX to my primary bank account. Ally advertises and describes on their site a wire transfer process that is typically completed in the same day if submitted before XXXX. If submitted after XXXX, they state that wires shall be processed in the next business day. 

I reached out on Friday, XX/XX/XXXX to confirm there were no issues and ensure I didn't need to complete any additional steps because it was a larger some of money ( {$120000.00} ). I was told I didn't need to do anything and that the transfer would be in by Friday night or Monday morning at the latest. On Monday morning ( XX/XX/XXXX ) I called and was told it would be in Monday night. Monday night when I called I was told it would be in by Tuesday morning ( XX/XX/XXXX ). Tuesday morning when I called I was told it would be in by Tuesday afternoon. Tuesday afternoon I was told it would it would be in by end of day Tuesday or Wednesday morning ( XX/XX/XXXX ) at the latest. 

At this point I have delayed the closing of my home purchase twice, and the sellers have put a deadline of XXXX to have the funds transferred or the deal is off. So, four full business days later and my wire has not been sent by Ally Bank. Ally customer service refuses to escalate the issue beyond providing me a customer service supervisor to ask for feedback to provide the wire team.
Product: Money transfer, virtual currency, or money service

This is regarding Cash App, a unit of Square. Without warning on Saturday XX/XX/2019, my account was closed. I had just about {$220.00} in my mobile balance and I have been unable to withdraw funds per their instructions. I contacted customer service via email and XXXX because they do not provide a phone number for issues, which in and of itself is an insane thing, and was told they had not heard from me regarding a case for a week so they closed the case and my account. I can not withdraw my funds and I have no idea what's going on. They are totally unresponsive and, again, they do not provide a phone number to speak with someone for complaints like this. All I want to do is maintain my account, discuss whatever this case is that they said I did not respond to when in fact I was never notified that there was a case requiring my response, and withdraw the money that is rightfully mine.
Product: Credit card or prepaid card

On XX/XX/XXXX - XXXX, we were in XXXX XXXX, CO babysitting our grandchildren ( ages XXXX & XXXX ), their mother was at a XXXX inservice and there was no school for children. On XX/XX/XXXX miles away, someone made {$200.00} withdrawal at an ATM in XXXX XXXX, CO. We have another charge on the our credit card to show we ate breakfast in XXXX XXXX , and yet another charge at XXXX XXXX XXXX on a debit card at XXXX ( debit card is from our local credit union ), which shows we were in XXXX XXXX. 

We discovered this fraud charge on XX/XX/XXXX and called USAA immediately. USAA FSB VISA made an immediate adjustment and a new credit card was issued to my wife. We thought this was over, however, on XX/XX/XXXX, a rep from USAA Fraud called and left a voicemail to return a call. We thought it had already been taken care of, however, my wife returned the call and left a message. USAA did not return the call until XX/XX/XXXX, which was a voicemail asking for another return call. My wife returned the call on the XXXX, however, the rep did not pick up and she left a second voicemail. 
When my wife was unable to connect with the fraud rep, I checked my USAA credit card online, and the charge of {$200.00} had been reapplied. I called the USAA Fraud rep extension and left a voicemail ; I did not receive a call back. During the week of XXXX XXXX, we received a document asking us to swear to the fact that we did not make the alleged charge ; we signed the document asserting we DID NOT make the charge. Since that time, I have called USAA multiple times without any success. USAA Credit Card Service can not talk to the Fraud Dept, only leave an email?? Nobody has ever called us back or offered to resolve the fraud. On XX/XX/XXXX, I sent a registered letter to the XXXX of USAA detailing the calls and people we have talked to at USAA, no response was received ; I have the USPS Return Receipt to show it was received. 

We never went to XXXX on XX/XX/XXXX, or made a withdrawal on our credit card. We are both XXXX years old and we would never drive three or four hours with our grandchildren in the back of our car to make a cash withdrawal from an ATM XXXX miles away roundtrip.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

I requested my mortgage company, Loan Depot for forbearance assistance on XX/XX/XXXX, thru email and thru their customer portal. I was told to fill out their assistance documents. And submit them. I filled them out and submitted them on XXXX forbearance assistance I was requesting was due to XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXX above and beyond medical insurance caused this financial distress. Also, in XXXX of XXXX I had XXXX XXXX XXXX XXXX which I later added to my forbearance request. The forbearance assistance offered by Loan Depots Loss Mitigation Department was a reduction of {$91.00} a month My monthly loan amount was being raised by {$200.00}, a month, due to taxes and insurance from {$1600.00} to XXXX. Starting XXXXMy loan is a FHA loan and I requested this assistance thru the CARES act. I resubmitted an appeal, to Loan Depots Loss Mitigation Department on XX/XX/XXXX I received a letter from Loan Depots servicing department on XX/XX/XXXX stating that, because my loan was current and that I was seeking a borrower 's advocate, that I did not qualify fort forbearance assistance. This letter I received was not from the Loss Mitigation department where I had mailed a certified letter to. But the servicing department instead. I had gone above and beyond to supply the documents requested. Under the CARES ACT, I supplied more than necessary information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the payment history is inaccurate, and date last reported is not accurate, there are so many errors on my credit report & they also violated my rights under 15 U.S.C. 1681 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have attached my credit report with all the inaccurate errors thats currently being report by all three ( 3 ) credit bureaus as proof.

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.
Product: Credit card or prepaid card

The company Kohls department store reported negative information to a Kohls account that I was not informed about and was not aware  of ; Approximately XXXX XXXX for an amount of {$67.00} ; as it turns out they had no email or phone tied to the account/database ; I only found out about this activity due to credit monitoring with XXXX. 

The company admitted to me that none of my contact information was in their database ; I attribute this issue to stolen account information with a combination of corrupt and improper management of their data, which was in my opinion was obtained by others.

I contacted Kohls and they could not obtain my account information. They did give me the last four characters of the account number which is also on the XXXX  report ; the account number is  XXXX. 
The account has been closed to insure not additional fraud occurs.
Product: Debt collection

XXXX XXXX XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down. They are taking advantage of XXXX XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to few a home but XXXX XXXX XXXX is making impossible by reporting misleading and inaccurate information or my credit report.
Product: Debt collection

In the process of getting a refinance I was told that the company Midland Credit Management had a lien on my property for an account they purchased in 2007. I have seen the information and it does not apply to me. I am being asked to provide information such as a police report and to contact the issuer of the credit in question. Both of these items are impossible as I am not able to file a police report retroactively and the company that Midland says they purchased the debt from, has no record of my account number or that I even had credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX XXXX has violated my rights They passed my information to a third party 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 instruction
Product: Credit card

I signed up for a new promotional offer from XXXX XXXX XXXX XXXX XXXX ' credit card offered by CITI Bank in the month of XXXX 2015. The promotional offer was for purchasing a new phone from XXXX XXXX XXXX ( Using the link provided ) and then get a refund up to {$650.00} as a statement credit. Below are the details of the offer ( Also available at this link : XXXX Offer details ( Copied form the link above ) : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Spend {$2000.00} in purchases with your XXXX Card within 3 months of account opening. 
Use your card, now or later, to buy a new phone from XXXX XXXX XXXX, at full price and with no annual contract. 
Make your phone purchase using your unique phone offer link ( which will be provided to you ), activate and maintain service with XXXX XXXX XXXX for 15 days. If you buy a new phone now it will count toward the {$2000.00} in qualifying purchases! 
Citi will then credit your XXXX XXXX XXXX XXXX XXXX XXXX account for the cost of the phone up to {$650.00} ( exclusive of taxes, shipping, fees & wireless service ). 
Phone Offer Credit is not available if you have had an XXXX XXXX XXXX XXXX XXXX XXXX account that was opened or closed in the past 18 months. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Now, I made more than {$2000.00} in the first three months and also purchased a new phone using the offer link from XXXX XXXX XXXX. I fulfilled all the required criteria to be eligible to receive the {$650.00} statement credit. But unfortunately I did not receive the {$650.00} statement credit. 

I tried to resolve this issue by calling their customer service many times, but the issue remain unresolved. Initially the customer support executive told me that the credit will be applied to my next statement but the credit was never applied. 

I have all the necessary proofs and I will provide them if required. 
Thanks.
Product: Debt collection

WAKEFIELD AND ASSOCIATES have wrongly tried to collect the a debt that i did not owed to them amounting to {$3500.00} and have ruined my credit. My insurance had paid the hospital in excess of {$10000.00} but still they are pursuing me from XX/XX/2014.