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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 USC 1681b Dear XXXX, I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be unauthorized. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request the immediate removal of these inquiries from my credit report. 

The inquiries in question are : 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 These inquiries were made without my authorization and therefore do not meet the permissible purposes required for inclusion in my credit report under 15 USC 1681b. According to this section of the FCRA, a credit report may only be accessed for specific permissible purposes, and unauthorized inquiries should not be reflected in my credit report. 

Under the FCRA, you are required to investigate my dispute and correct or delete any unauthorized or unverifiable information within XXXX days of receipt of this letter. Please provide me with a written statement of the results of your investigation and a free copy of my credit report if the dispute results in any change. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Bank of America is guilty of duel tracking a borrower who has not yet completed the modification process. 

In a letter to me dated XXXX XXXX, XXXX, Bank of America through a third party debt collector, XXXX XXXX XXXX XXXX ( XXXX ), stated they intend to conduct a non-judicial foreclosure sale ( trustee 's sale ) on the Deed of Trust associated with this loan. 

Bank of America knows full well, I am still considered active in the modification process as they have not provided me a written determination on my timely appeal of XXXX XXXX based on the incorrect HAMP denial of XXXX XXXX as stated and confirmed in their XXXX XXXX, XXXX letter to me. 
Per RESPA as enforced by Regulation X and a group of laws commonly referred to as the California Homeowners Bill of Rights, duel tracking is against the law. Therefore, my home loan account can not be forwarded for foreclosure, or any other separation processes until the modification process in general and the requested HAMP, in specific, has been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX unauthorized and should be removed immediately.
Product: Credit card or prepaid card

Cc opened in my name sent to my soon ex wife. Divorce date is XX/XX/23. 
This is the 4th time such similar events have happened. The recent was a cc that was taken out on behalf of my name, ss #, birthdate, etc. XXXX + credit limit, with over XXXX spent. XXXX XXXX, credit freezes on all 3 beaureous implemented. Divorce proceedings in progress. Please help.
Product: Credit reporting

I contacted XXXX XXXX Credit regarding a Hard Inquiry placed on my Equifax report dated XXXX. XXXX XXXX Credit has no account or a record of application. They would need Equifax to correctly dispute with them the information for resolution. I called Equifax many times and they refused. I did an online disputer and it was closed almost immediately to which XXXX of Equifax customer service representatives stated that they generally just close them out without further inquiry. I would like Equifax to correctly inquiry and resolve this issue and remove the Hard Inquiry as there is no information from XXXX XXXX Credit, no account records and no application history or any information leading to any reason of a credit inquiry to begin with.
Product: Mortgage

I sold my home secured by a mortgage that Chase was servicing on XX/XX/2019. After about 10 days I looked up my mortgage and discovered that it had not been paid off. The title company investigated and Chase mortgage eventually admitted that they got the payoff XXXX  with a cover letter but it had no check in the package. 

As a result of this, my payoff was delayed and the title company had to issue a new remittance with a XX/XX/XXXX payoff date as required by Chase. This error cost me about {$420.00} in interest plus a {$50.00} late fee. 

The loan is now paid off but I asked Chase to explain to me why they did not call me or the title company so the problem could have been fixed on XX/XX/XXXX when the XXXX  was received. Their response was basically we do not do this and tough luck for you. 

I am complaining about the failure to notify me when they supposedly received a payoff letter with no check and the terrible service level that cost me a significant amount of money.
Product: Credit reporting or other personal consumer reports

My information has been reported on dark web for a few years now. I've tried disputing some have been successful some have not. I'm tired of the credit card company saying I've had late payment when I didn't and closing accounts that are showing on my credit report and hard inquiries popping up XXXX to XXXX  times per company. I'm needing help. With all credit bureau Transunion ... Equifax
Product: Mortgage

The property taxes from my escrow account were not paid to XXXX XXXX, NC, for the year 2015. I have called Ditech twice for a resolution and they still have not resolved the issue even after 2 months from the first phone call. My name and address have been posted in the local newspaper stating that I have not paid my taxes, resulting in a defamation of character, even though Ditech is at fault for failing to pay the property taxes.
Product: Credit reporting

I have informed the credit bureau of my intentions to move my name change towards a recent address update, and that is the only reason that my credit score is not important to the current bank account under question. I have undergone a name change, and my information is currently being used towards a XXXX account in remaining open, while I am unable to access it, due to a confiscated card, within a XXXX situation. To this end, I have contacted the bank, wherein they have stated that I have no legal right to the account. Having made all necessary contacts, I have not seen any improvement, and my credit score has plummeted. At this time, the account remains attached to my SSN, and the identity theft of my information and the situation that has been used for the improper access to any credit report. 

IN ADDITION, I have placed a security freeze on my account, wherein the confirmation number is inaccessible. I have contacted my bank, which stated there was no credit freeze. After investigation, I realized my account information was endangered by this creditor, XXXX. Please remove the account and make a complain about the situation and remove my name from the attached person 's name, in the following police report, XXXX XXXX XXXX. This breach occurred through a stolen ID. 

The account is attached to the current primary account owner, but as stated, I removed my name, but my SSN remains attached, which is XXXX. I would like all attached information to be mailed to me during the following month, as my statement in this matter can eradicate all imposed charges to his name. Otherwise, legal action will be required to discuss the matter. I would much rather invest my time into the XXXX at the XXXX, INDIANA location at XXXX XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Product: Credit reporting or other personal consumer reports

I have Requested for my Copy B for the XXXX they filed to consider these accounts charge offs to multiple companies such as NAVY FEDERAL CREDIT UNION, XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX. I would also like the proof from each company that they turned my securities to an asset back securities pursuant to their prospectus forms. These companies have been reporting on my report for over XXXX  months and have not given me the proof I have requested! This is a clear violation of the SEC, FCRA, PRIVACY ACT, and Consumer Rights!
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : Unknown Balance : {$650.00} ACCOUNT NUMBER : 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Mortgage

I went through Van Dyke Mortgage and worked with an officer named XXXX. He tried to approve me for a mortgage loan, but could n't because I needed to pay off a few things first. I paid off those things and he then did a rapid re-score approving me for XXXX with the USDA loan. There were little to no options in that price range for a decent home. I then went through XXXX and worked with an officer named XXXX. She was able to get me down payment assistance and XXXX in a mortgage loan with the FHA loan. XXXX called me shortly after I started working with her and was very upset. He then emailed me an invoice for the rapid re-score. The bill was XXXX. I am very upset because he never disclosed that costing me and after speaking with XXXX, I found out it was n't legal for him to do that. She then gave me the link to this site so I could file a complaint.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called Experian and requested to speak to the special investigations department on XX/XX/XXXX and I expressed to the representative that there are a number of inquiries on my credit report that I didn't give anyone permission for. I explained to the representative the various companies with inquiries including the report dates and he told me he was going to have the issues resolved within 27-72 hours. I noticed he deleted 6 of them and he failed to delete the remaining unauthorized inquiries. Experian repeatedly fails to follow through and they falsely claim they're going to investigate something and they don't.
Product: Debt collection

a representative from the XXXX XXXX called several times over the last 6 months or so. They claim I owe debt to wells fargo, they have my social security number and previous addresses. they claim the debt to be XXXX XXXX XXXX XXXX  it does not exist. they will not send me information about the debt and are threatening law suits and bank seizures.
Product: Credit card

Between XX/XX/XXXX and XXXX, I received two chase business credit cards under my business which I own ( single member LLC ). 

After one week, both credit cards were locked. When I called to ask why, the chase representative mentioned that my application was suspected as fraud. In order to unlock the accounts, I was asked to verify my identity. They were unable to do so over the phone. 

The following day, I went to into a chase branch and explained what happen. They were excellent with their customer service and apologized for the inconvenience. They verified me in the branch and my cards were re-opened. 

Just three days later, the cards were locked again. This time, Chase actually closed the account. When I called in, they asked me a few questions regarding my account ( all of which I answered ). They mentioned I needed to file an appeal in 30 days to get the cards re-opened. The 30 day mark was on XX/XX/year>. I called again and they could not open the cards.
Product: Credit reporting or other personal consumer reports

I have previously contacted XXXX XXXX XXXX XXXX, XXXX XXXX, Velocity Investments LLC, and XXXX XXXX XXXX XXXX regarding a loan that has been discharged. I received Copy-B of a 1099-C and the alleged debt is now income. I do not owe any debt to any of these parties. Pursuant to 15 USC 1681a, a consumer report does not include information solely as to transactions or experiences ( ie. payment history, charge off status ) between the consumer and the person making the report. Furthermore, 15 USC 1681s-2 states that 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. No one can collect on a discharged debt. Income can not be reported on a consumer report. The IRS defines a charge off as income, income does not get reported on a consumer report, meaning the reporting of the account is inaccurate. All parties have been put on notice that they are furnishing inaccurate information. XXXX XXXX XXXX XXXX also violated the agreement by sharing my information with nonaffiliated third parties. I have no contract with Velocity Investments LLC or XXXX XXXX XXXX XXXX and do not owe them any debt. Under the Privacy Act of 1974, I have a right to privacy. Im revoking any and all authorization I, the consumer, may have given them written, non written, verbal, and nonverbal per 15 USC 6802. XXXX XXXX XXXX shall promptly return all Federal Reserve Notes I have mistakenly sent them per 12 CFR 1026.11. Velocity Investments LLC and XXXX XXXX XXXX XXXX shall stop contacting me about an alleged debt.
Product: Debt collection

A former apartment community failed to follow state statutes regarding the return of the security deposit. I won a judgement against them in local court, but the proceed to file collections anyway. I told the creditor this debt was not owed, and they did not report the debt for 2.5 years. I then received a call, with no written letter in XXXX of XXXX saying there was a " glitch '' in the system and if I didnt pay right away they would fix the problem and report this invalid debt to hurt my credit profile. They have not sent proof of debt or tried to contact me since, but now are reporting to the credit companies for the first time since XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX was married approximately XXXX XXXX XXXX XXXX XXXX  XXXX who is a XXXX XXXX XXXX  XXXX I have been divorced from him for over XXXX, yet he is still causing me a great deal of personal as well as financial hardship. Accordingly, I am submitting a number of demands for permanent deletions from my credit reports of loans that were procured against my name and social security number that were applied for by XXXX XXXX. I am remarried and have been for XXXX XXXX XXXX XXXX I hereby demand that my name and personal information to be purged by each financial enterprise, and the deletion of any account information currently showing on my XXXX, XXXX and XXXX XXXX XXXX XXXX XXXXXXXX DISCOVER BANK BALANCE {$8500.00} DISCOVER BANK BALANCE {$9700.00} DISCOVER BANK XXXX XXXX
Product: Credit reporting or other personal consumer reports

A few years ago I sent My personal information to Equifax Credit reporting agency at that time they wore a breach in Equifax Technology and XXXX Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXust to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 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: Checking or savings account

On XX/XX/2023 I sent XXXX XXXX {$150.00} through my chime online banking account. I have done this a couple of times before and received receipt of transaction but this time I didn't receive receipt and since she was with me I knew she didn't receive it. I sent it through the app where you can pay anyone even nonchime members I called chime in hopes to get this taken care of they give the money back on XX/XX/XXXX only to take it back out on XXXX the XXXX. They said they deposited the money into her account even though I tried to explain she didn't have a chime account ever. I then called on XXXX the XXXX and demanded to talk to a supervisor. They transferred my call to a XXXX or XXXX I didnt catch the name. He assured me he was gon na take care of the problem. He told me to go to a website so he could remotely help me fix it. Little did I know he was in my phone and in my chime account and sent himself all the money I had left in my account. He sent {$360.00} to XXXX. I didn't authorize him to take money out of my account but since he was on my chime it looked like I sent it to him. Trying to keep my composure being right here at XXXX time and finances are tight anyway I called chime back to file a complaint and see what could have happened they file a dispute to email me as soon as we get off the phone saying there was no mistake and they would be closing the disputes. I don't know what to do other than to contact an attorney. Hope this doesn't happen to anyone else. They know where the money went period. If they didn't take it they sent it to the wrong person without my consent.
Product: Money transfer, virtual currency, or money service

I was recently scammed and my bank will not work with me due to being the one who gave the scammer my information. I didnt know the person was a scammer they said they worked for a relief fund that helped low income families with emergency funds and I explained that to my bank. My bank is Navy Federal Credit Union. The two amounts were XX/XX/XXXX {$2400.00} and XX/XX/XXXX {$2500.00}. Both amounts were posted on my account but they bounced back because they were fake checks that the so called relief fund representatives deposited into my account. The scammer requested the money to be sent back and i didnt ask questions I sent it through XXXX and XXXX. My bank wont even help me I dont know what to do my husband is XXXX XXXX military we can not afford to pay all of this money back to my bank. I need help and the bank wont help me even though im a victim.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 34 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress fir these violations