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

My account was leak during equifax breach there are inquiries that I did not authrozed Here is the list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I used sezzle to make a few purchases and paid it off never used it again. I go to get my student loans and it shows delinquent for over 40 days and oweing money I owe them no money and they wmail me back and say there system had a glitch and still havent fixed it and closed this account. I cant get my loan.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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: Mortgage

Auto pay was set up with Homeside Financial to come out of the checking account on the XXXX of every month since opening the loan in XX/XX/2021. 

In XXXX we got a letter saying we were moving from Homeside Financial to Lower as a service transfer. 

On XX/XX/XXXX, I called Homeside to find out why the payment for XXXX had not been taken from the checking and they said it was due to an issue with the service transfer and my account being held back to stay with Homeside. 

They took my payment by phone and said that my autopay would continue as scheduled and they were sorry this caused an issue with the XXXX autopay that was to due to confusion on the backend with Homeside and Lower. 

As of XX/XX/XXXX, there has been no attempt by Homeside or Lower to notify us of this reverse on the service transfer and the fact that this affected the XXXX auto pay. 

There is an entire set of customers who are going to get any notice outside of their grace period and they will be affected by their credit score, their interest applied and their time spent having to solve this problem for Lower and Homeside. 

Hopefully people see their accounts are not being debited or they are going to have a negative impact due to Homeside and Lower 's confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX agreement number : My XXXX account is reporting a inaccurate balance. My principal balance is XXXX. My credit report with XXXX, TransUnion or XXXX does not reflect this balance. My statement will be included with this letter XXXX bank XXXX XXXX. ending in XXXX My XXXX bank XXXX XXXX  has not been updated by XXXX bank since XXXX 2022 with the credit reporting Agencies due to a system update that went bad. My current balance is {$0.00}. My statement will be included with this letter.
Product: Credit reporting or other personal consumer reports

My information was stolen in a few data breach With XXXX they send me a letter and also XXXX XXXX and Lexington medical center! All said I was compromise in a data breach. They have my social and all my personal information. Someone also opened a bank account in my name in another state that I didnt approve and I got a letter about fraud and called they closed the account. 
I also dealt with Lexington law to have something removed that was charged off and those items came back. I read they had a settlement for a lawsuit that I have not received a check.
Product: Credit card or prepaid card

I paid a {$200.00} ( {$200.00} including fee ) deposit with a tattoo artist on XX/XX/XXXX which I ended up cancelling all appointments before any services were rendered. I then proceeded to call capital one to dispute the transaction and was given a temporary credit while they disputed with the vendor. In late XXXX I received a letter from capital one stating that the vendor had replied and that I needed to provide further documentation to support my claim, at this time the charge was also reapplied to my credit card. On XX/XX/XXXX I uploaded the requested documents to capital one 's website ( signed letter giving my statement and emails from when services were cancelled ). Per the letter I was to received a response in 10 business days but it is XX/XX/XXXX and I still can not get an answer. I've called on at least 7 separate occasions and have been placed on 15 + minutes holds to speak with a supervisor or the agents that I've talked to seem to be fumbling around and can not give me a concrete answer. I've also had the call be disconnected about 3 times and have even tried their chat support only to be told that the " secure connection was lost ''. I've been a long time customer with capital one and have never had an issue, I charge upwards of 25k on this credit card in a year and don't feel appreciated as a customer when a simple {$200.00} charge can't be refunded. I plan on taking this matter to the XXXX next if capital one does not sort this matter out.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurate Address Information To Whom It May Concern, I am writing to request the immediate removal of old and inaccurate address information currently being reported on my consumer credit report. The following addresses should be removed from my file, as they are no longer valid : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, and this should be reflected on my credit report. This address is consistent with both my driver 's license and utility bill, copies of which I have attached for your records. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in a consumer report. The continued reporting of outdated and incorrect address information on my file violates this provision, as it does not reflect the most current and accurate data. 

I request that Experian promptly update my consumer report to reflect my current address and remove the outdated information. Failure to do so would result in the further spread of inaccurate information, which is detrimental to my credit profile. 

Please confirm this correction and provide me with an updated copy of my credit report showing the correct address within the legally mandated timeframe of 30 days. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone impersonating someone in XXXX contacted me for help buying food. He followed the same " nonprofit '' organizations there I did so I believed him given the emotional plea. He needed the money directly so I was instructed to use PayPal. I sent {$100.00} to " XXXX XXXX '' in " XXXX '' who was supposedly XXXX XXXX XXXX friend who could get it to him. The funds came from my bank account at XXXX. The email address for this transaction via PayPal was XXXX. I have a picture of XXXX XXXX XXXX foreign ID and a phone number for him. And photos/videos. 

This person stayed in almost constant contact with me telling me about how dire their situation was for them and their XXXX family members. I spent days and nights worried for their safety. The two year anniversary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is on the XXXX and it is a very emotional time for me. I XXXX XXXX XXXX XXXX XXXX  XXXX and a XXXX on XX/XX/XXXX that did not have me thinking as clearly. 

On the XXXX of XXXX, I this time sent {$200.00} to the same address. The funds this time came from a PayPal credit card. A few hours later, I noticed several things online between a few accounts did not line up and/or showed videos with obvious green screen usage. I immediately went to cancel the {$200.00} payment with PayPal. It still showed as pending and an agent I spoke with at PayPal said I could dispute it. I did so and today I was told they are closing my case though it still shows as pending on my end.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 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. 
Delete this at once! '' XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these pieces of suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance : {$22000.00} ; XXXX/XXXX XXXXXXXX Balance : {$3.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I called Truist Bank because I had an unrecognized charge. So they closed my checking account and advised me to open a new one. I then opened a new account and attempted to move the money from the closed account to the new account. I was unable to do it online so I then went to the Truist Bank in XXXX, KY on XX/XX/2022 and the man there said he couldnt transfer the funda from the closed account to the new opened checking and he advised me to call Truist and tell them so I then called Truist XXXX and the woman who answered the phone call told me that she couldnt transfer any funds from the closed account to the new recently opened one. I dont know what to do now because nobody is helping me and my money is in a checking account that I dont have access to anymore. I need my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX of XXXX XXXX has reported that I was 60 days late with my loan payment when I wasn't and wrong balance owed for repayment. My payment was due on the XXXX of the month for 6 months I paid XXXX payment after the XXXX. I paid my XXXX and XXXX payment on the XXXX of XXXX so I really wasn't no where near 30 days late in XXXX only 17 days late for XXXX and paid XXXX payment early And I made a extra payment on the XXXX of XXXX all this went in XXXX and made a payment XX/XX/XXXX to the same loan account at XXXXXXXX XXXX of XXXX Mississippi. Please help me with this problem because it dropped my XXXX XXXX down to XXXX when it was XXXX. Thank you, XXXX XXXX
Product: Checking or savings account

Bank has failed to provide required XXXX form for 2018 tax year.
Product: Mortgage

In XXXX, 2020, I requested that my mortgage payment to Chase be suspended due to COVID-19. Subsequently, I requested that it be suspended for a total of six months of no payments. Chase had stated on its website that I would be able to resume payments with a choice of either paying the full amount of the forbearance or placing the forbearance at the end of my loan. 

Towards the end of XXXX, I logged onto my account via the Chase website and tried to state that I could resume payments and that I wanted the forbearance amout to be placed at the end of my loan. The website had some sort of " glitch '' and would not allow me to do this. I then called their automated number and made the request. I never received a written response. On XX/XX/XXXX I logged in again and noticed that Chase had an old XXXX XXXX for my contact information. I wrote a letter and sent it via XXXX XXXX to both the payment center in XXXX, Kentucky and to Customer Service in XXXX, Louisiana. I included my payment which was applied to my account on XX/XX/XXXX. 

My address was updated and I received a confirmation letter dated XX/XX/2020. I never recieved any other correspondence. Therefore, I wrote another letter on XX/XX/XXXX and sent it to the same addresses, via certified mail. I included my original letter and again, requested that my payments resume and that all forbearance payments be placed at the end of the loan. 

Approximately one week ago, I logged into their website and the " glitch '' was fixed, so I was able to state that I could resume payments and that I wanted my forbearance amount be placed at the end of the loan. 

Today, I logged into their website and there was a letter dated XX/XX/2020, for a " Trial Payment Plan ''. This letter was NOT there a week ago. Also, this letter is addressed to my XXXX XXXX , even though they claim to have updated my address. The letter states that I am now in a trial period to modify my loan. It has lowered my payment amount ( which is NOT what I want ) and it states that I must make the payments by the XXXX of the month for the next three months or I will no longer be eligible. It also states that my credit could be affected. 

I do not want any of this. I simply want to make my payment, as usual, and have the outstanding amounts be placed at the end, just like they promised.

I am now sending my payment via overnight delivery and sending a certified letter to Six Chase addresses, since they use so many different addresses.
Product: Checking or savings account

I scheduled a transfer on XX/XX/2020 of {$50.00}. The scheduled payment will not arrive until XX/XX/2020. However, this is against the bank 's policy. Transfers typically take 12 business days to transfer. However, it schedules to be deposited into an external bank account until 4 business days. Due to the pandemic, banks are required to handle transfers and banking fees as fairly as possible. I shouldn't be charged withdrawal fees due to this epidemic and should be receiving the funds ASAP. I need to pay bills and purchase necessities, especially since I am unable to work. 

I tried to speak with a specialist about this matter, but the specialist disconnected the call and failed to call me back.
Product: Debt collection

This is for a medical bill that was disputed, At the time i had insurance and paid the co payment there is no need for this bill I had   XXXX   insurance at the time, it has been removed from my from my credit bill twice, .please ask the company to charge   XXXX    who is responsible for the bill not me. the amount owed is  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX has violated my rights.

15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a 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: Credit reporting or other personal consumer reports

I HOPE THIS LETTER FINDS YOU WELL. I AM WRITING TO BRING TO YOUR ATTENTION A MATTER OF CONCERN REGARDING UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT HELD BY XXXX. 
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL CREDIT INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES HAVE RAISED CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. TO PROVIDE YOU WITH MORE CONTEXT, THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : XXXX FIN XX/XX/2023. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX I UNDERSTAND THAT XXXX TAKES ITS RESPONSIBILITIES SERIOUSLY WHEN IT COMES TO THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT AN INDIVIDUAL 'S CREDITWORTHINESS AND FINANCIAL SECURITY. TO ADDRESS THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A RESOLUTION THAT WOULD BENEFIT BOTH PARTIES INVOLVED. 
ARBITRATION, AS YOU ARE AWARE, CAN BE AN EXPENSIVE AND TIME-CONSUMING PROCESS. IN THE SPIRIT OF RESOLVING THIS ISSUE AMICABLY AND TO THE SATISFACTION OF ALL PARTIES, I KINDLY REQUEST THAT XXXX CONSIDER THE FOLLOWING : 1. REMOVE THE UNAUTHORIZED INQUIRIES : I ASK THAT XXXX PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT. THIS ACTION WILL HELP TO RECTIFY THE INACCURACIES ON MY REPORT AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS.

2. COOPERATION AND GOODWILL : IN RETURN FOR XXXX 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. THIS APPROACH WILL SAVE BOTH PARTIES THE EXPENSES ASSOCIATED WITH SUCH PROCESSES. 
I BELIEVE THAT A MUTUALLY BENEFICIAL RESOLUTION CAN BE ACHIEVED BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY REMOVING THE UNAUTHORIZED INQUIRIES, WE CAN MAINTAIN THE ACCURACY AND INTEGRITY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES.
Product: Credit reporting or other personal consumer reports

When reviewing my credit report, I noticed a new credit card account was opened fraudulently XX/XX/year>. I reached out to the credit burea ( trans union ) who told me I needed to file a report with the FTC in order for them to be able to take action. I also reached out to the credit card company ( Current ) who told me they could not give me any information but the fraud department would email me within a few days. Let me know what other information you need. Thank you
Product: Credit reporting or other personal consumer reports

I never was a client of XXXX. However they reported to Equifax that I owe them {$190.00} which I didnt because I never had any account with them. I contacted Equifax and asked to remove this amount from my credit report because I was an identity theft victim they opened a dispute and denied it.
Product: Checking or savings account

On XX/XX/XXXX I alerted chime of suspicious activity since my identity was stolen last year they assured me no funds would be taken and that they blocked the transactions. Thousands were stolen out of my account and during the POLICE investigation chime just closed the account without reimbursement of the funds they were supposed to return. I've called several times and they keep telling me the account didn't qualify I'm confused and now have to file something for hardship. I don't understand how they were fully aware of the issue and did nothing to stop it, blatantly lied about my protection then said XXXX me and just closed it! The rep Said she actually experienced the same thing!
Product: Mortgage

On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX