23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I reported a fraudulent charge on my XXXX Debit Card from Citibank on XXXX XXXX, 2016. The charge was posted to my Account on XXXX XXXX, 2016 from a XXXX for {$39.00}. Citibank issued me a new XXXX Debit Card that I received the following day. I am still awaiting for the {$39.00} to be credited bank to my checking account. Citibank said that I would receive the credit bank within 5-7 days. It has now been 14 days. I contacted Citibank via their online message center and received a message from a XXXX XXXX that stated " Great News, I see that there is a credit in your account for {$39.00}. '' The only {$39.00} credit in my account was from another merchant ( XXXX ) who had charged me {$39.00} for a membership that I had cancelled. I never made any authorized charge to any XXXX. I have not been credited for this Fraudulent Charge by Citibank and they seem to be playing Dumb about it. CitiBank has sent me no paperwork to sign attesting that this was a fraudulent charge. There is no paper record that I disputed this charge. I have had to dispute charges in the past with other banks and have always receive some kind of paperwork to sign and at least have a paper trail that I had made a dispute. This charge caused my account to be overdrawn and Citibank charged me multiple fees. I feel that this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XXXX XXXX XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XXXX XXXX XXXX  Date of Last Payment XXXX XXXX XXXX XXXX Two-Year payment history Month 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  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX OK OK Equifax OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK XXXX O 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Mortgage

during the trial period they had me on I was told on several occasions. I was in good standing the representative XXXX XXXX they assigned me confirmed with me in XXXX XXXX XXXX that I was in good standing and did not need to send any more money, she also advised that she needed to send an email their cashier department to have the funds I had sent released and applied according. I took it upon myself to send in additional money to ensure all the transactions were good. Soon after this I received a certified letter from PHH advising I had short paid the modifications and yes that confused me being that I called each month during the trial and was told each time I was in good standing. To my surprise now I have to reapply for another trial period. Also they have sent me a copy of the last money order I sent them with a signature on the back of it which is not mine. per the letter / copy they sent me states this copy is legal tender I have taken the copy to a bank and to the XXXX office where I purchased it and was told/advised they could not do anything with the photocopy of the XXXX XXXX. i have called PHH on several occasions in attempt to get this solved. I am being taken full advantage of YES I do believe so.
Product: Mortgage

I had been shopping around for a mortgage refinance and was looking to get loan estimates from multiple lenders to ensure I was getting the best deal while rates are so low. In that search, I came across New American Funding and found its terms appealing. I first spoke to XXXX XXXX, a Sr. Loan Officer at New American Funding , over the phone on XX/XX/2021. After we spoke, he emailed a short breakdown of possible refinance options that we'd discussed. He specifically told me I could apply and then look at the loan estimate to see if I would be happy with it before providing them with the required documentation. I proceeded to submit a formal application using the link he provided that evening. Two days later, XX/XX/2021, I checked the website and noticed it was asking for multiple documents from me without providing a loan estimate. I replied to his initial email and asked for an estimate because I wasn't able to see one on the website. XXXX did not respond to this email. The next day, XX/XX/2021, I forwarded the same email to him and asked for an update. He responded that evening by asking how much my home was worth and how much I pay in taxes/insurance ; I provided those numbers shortly thereafter. Monday, XX/XX/2021, I sent another email letting him know I'd gotten my appraisal back and the value of my home came back a little higher than I'd initially said, and asked for an update. Late that evening, he sent a Link to eConsent for faster loan processing -- again, with no loan estimate provided. I responded to the email saying I was just asking for a loan estimate. Later, I consented just in case that was preventing me from receiving the loan estimate ; it was not. Yesterday, XX/XX/2021, I still had not heard back from XXXX and still have not received the requested documentation, which other lenders have been prompt to supply and have been very responsive about. NAF made a hard inquiry on my credit for this refi application but provided me with nothing ; now all they've done is lower my credit score. Per CFPB guidelines, lenders must provide a loan estimate within 3 business days of receiving an application. New American Funding is in clear violation of this rule. It's clear that XXXX and NAF do not value the customer experience or care enough to obtain more business. This has been incredibly frustrating, and ultimately disappointing as I was genuinely considering refinancing my home through NAF.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in XXXX unauthorized accounts and XXXX inquiries on my credit report. These were added without my knowledge or consent. 

ACCOUNTS - 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 I have reported this identity theft to the FTC. I insist on the immediate removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

This account started its first late payment on XX/XX/year>, which is inaccurate since it does not reflect the balance of the account, much less the payment due, consequently this affects subsequent late payments. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion inaccurate of the following account : XXXX XXXX number XXXX ( CLOSED ACCOUNT )
Product: Credit reporting

Public record XXXX Dist Court Docket # XXXX, plaintiff XXXX XXXX went to small claims court asking for {$550.00} dollars for contract work not completed. Judge rule on the side of defendant and agreed with amount paid prior to the court appearance and I agreed to pay court cost of {$93.00}. TransUnion shows I owed and did not pay until the court appearance {$240.00} and that is not accurate. I keep explaining this to them and they continue to post the same explanation?
Product: Credit reporting or other personal consumer reports

So, I continue to fight with this company about this debt that does not belong to me. They send me billing statements that at an address that I never lived at, from as far back as XXXX. I am XXXX XXXX XXXX, I have a son XXXX XXXX XXXX. I have a current XXXX account in my name. 
There is no payment history on this account, you send me bills from XXXX, but this account also says it was opened in XX/XX/XXXX and has different last active dates from both XXXX and XXXX. 
Please remove this account for the continued mistakes and lack of validation. XXXX has already removed this account.
Product: Debt collection

I have already made a previous complaint, company responded with false information and I have been met with harassment since then. Ive spent 8 hours on hold and the phone went unanswered for the duration of the day, it is not possible to get through to pay my debt.
Product: Mortgage

Lender Placed Insurance fraud, Proof of Insurance provided to mortgage servicing company Shellpoint Mortgage Servicing, received letter stating funds removed from escrow account would be refunded, funds never refunded, additional " Lender Placed Insurance charges removed from my escrow account, mortgage servicing company started applying miscellaneous fees to my mortgage account to compensate for fraudulent Lender Placed Insurance charges against my escrow account never refunded as per letter from Shellpoint Mortgage Servicing, all of my payments have been made on time, they have not been applied to my mortgage properly, nor have the funds for the fraudulent Lender Placed Insurance charges been refunded to me or my escrow account, additionally Shellpoint Mortgage servicing returned several of their other customers live mortgage payment checks to me, somehow associating them with my account, my account is now so far off from accurate, I don't know how to correct myself or force Shelllpoint mortgage to correct all of these fraudulent charges and my escrow account balance. All of these fraudulent charges have caused my credit rating to be destroyed in addition to the problems with my escrow and mortgage, I need real help. I am XXXX and a veteran. 
Shellpoint Mortgage Servicing account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : Portfolio Recovery Associates {$560.00}
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Checking or savings account

I had enough funds in my account to XXXX and to pay for another item and then apparently the bank removed the debit and allowed funds to be available and charged my card for the same things again when the funds were not available instead of returning the items or declining the charge and charged my account XXXX dollars in overdraft fees. I was told this would not happen unless these were reoccurring fees on my account which they are not. Once a charge is made on a debit card it should be paid and the funds should be removed from your account. They are playing games with funds to charge nsf fees.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to make any inquiries that I see on my credit report. This is a violation of the Fair Credit Report Act section 1681b ( c ) and a serious breach of my privacy rights. I asked the Credit Bureaus to remove them. The Credit Bureaus did not remove them as I asked. I am providing an XXXX report which I will attach to this complaint. I am asking the CFBP to remove them as they are inaccurate and not mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized inquiries made on my credit report. I have noticed that there are inquiries listed on my report that I did not authorize, and I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b.

Details of Unauthorized Inquiries : Inquiry Date ( s ) : [ List the date ( s ) of the unauthorized inquiry/inquiries ] Company/Organization : [ List the name of the company or organization that made the unauthorized inquiry/inquiries ] Credit Reporting Agency : [ Specify the credit reporting agency/ies ( XXXX, XXXX, TransUnion ) where the inquiries are listed ] Legal Background : Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain conditions, such as with the consumer 's written consent or for purposes directly authorized by the consumer. I did not provide my consent for these inquiries, and they do not appear to meet any of the criteria set forth in the law. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized inquiries are removed from my credit report. Additionally, I would like to request that any entity responsible for these unauthorized inquiries be held accountable for their actions, including any applicable penalties under the law. 

Please keep me informed of the progress of your investigation and any actions taken. I am also attaching a copy of my credit report highlighting the unauthorized inquiries for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX  XXXX
Product: Credit card

Credit card bill was due on XX/XX/XXXX Paid off credit card balance on XX/XX/XXXX ( paid amount higher than what was listed as current balance online that day ). After balance was paid, checked account and saw that it was in fact overpaid- showing a negative balance. 
Was reviewing my credit card info on credit karma and noticed that I now had a {$52.00} balance on my capital one account - despite overpaying the balance account prior to the date the bill was due. 
Called Capital one to ask why I was being charged {$170.00} in interest when I had a XXXX balance. Asked if they could at minimum remove the {$52.00} balance on the account if they could not credit back the full {$170.00} charged. They refused to remove the interest charge - despite me paying over the full balance of the account the month prior. 
I had paid off credit cards in the past and have never been charged interest the following month when my account balance was {$0.00}. I informed capital one of this and they didnt care. I explained the entire point of paying off my card ( beyond the actual balance ) was to avoid any future interest charges. They were still unwilling to waive the remaining {$52.00} of interest-despite the account being paid in full prior to the due date.
Product: Mortgage

Hello, My wife and I refinanced our home through 'Intercontinental Capital Group ' ( ICG ), and were told that the loan had been posted on XX/XX/31, and our signed Closing disclosure stated that the disbursement date would be XX/XX/31. 

Turns out, the wire was posted and cleared on XX/XX/31 by ICG, but it only was received by our previous lender XXXX XXXX XXXX on XXXX, resulting in a delinquency being reported on our credit scores, dropping our high 700s credit scores XXXX points, at no fault of our own. 

We have never missed a payment on our mortgage and were told repeatedly by ICG that we didn't need to pay for XXXX as they had taken care of it. We could have easily paid if informed of this level of risk, but we were advised not to worry about it. This doesn't seem wholly fair as we had expected it to clear on XX/XX/31, and this happened entirely out of our control and yet we're the ones being penalized. 
The other parties involved with our refinance were XXXX XXXX XXXX ' and XXXX & XXXX XXXX XXXX XXXX 

Attached are the signed closing disclosure, reimbursement ledger, proof of wire, etc.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I sent letters to Trans Union, XXXX and XXXX regarding information that was listed on credit reports that should not be there. The information had been removed from the reports and then it was added back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXXXXXX for {$68.00}. Look to be from a eye place which I know I have never used. If you could please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported in my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have sent Trans Union numerous requests asking them to please investigate and correct some accounts in my credit report/file that are reporting incorrectly and they are not responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions