23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, XXXX, and Equifax regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX BANK had 21 days to stop reporting all activity to the following agencies. 

XXXX, Transunion, XXXX and additional secondary bureaus. 

I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! 

This is unlawful sharing of private information. 

Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXX XXXX $ XXXX XXXX {$500.00}
Product: Credit reporting or other personal consumer reports

i looked at my credit report on XX/XX/year> and notice some things are inaccurate unders 15 usc 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/XXXX, I requested an online US {$3000.00} Balance Transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be done on my Visa XXXX XXXX credit card. After a few days, I realized that the amount requested wasnt accredited to my XXXX credit card, but totally charged to my XXXX XXXX master card, and fees. Then, on XX/XX/XXXX, I called Barclaycard Customer Care Dept., and requested to cancel the transaction, because still wasnt effective to my external credit card on that date, so it was created the case number XXXX. They said I would have response within 15 days later. On XX/XX/XXXX. I have sent an e-mail to Barclaycard Customer Care dept., requesting a solution, but they confirmed case was still created, but will take between 30-60 days. Because I didnt get any information, another e-mail was sent from me on XX/XX/XXXX, and their response was, that the worker assigned to my case was unable to reverse the balance transfer, as the payment had already been sent, and, supposedly, a proof of payment letter was sent to my mailing address, to provide it to my external bank ( XXXX ). They also said, that when that event happen, the bank will locate the funds. But, really, that supposed letter never was sent or received to my mailing address, and the funds requested was never transfered to my XXXX XXXX credit card account. Besides, what I requested was an electronic balance transfer, not a letter to be provided by myself to the external bank. On XX/XX/XXXX, XXXX   answered another e-mail to me, that the case can not be opened or updated, and that a manager will contact me, but that also never happened. The amount of US {$3000.00} and related fees, US {$90.00} per transaction, and {$75.00} interest montly, are still charged in may XXXX XXXX Mastercard, which certainly is affecting my finances and credit report. Please help me.
Product: Checking or savings account

On XX/XX/year> I paid a payment of XXXX to a loan I had taken out through XXXX. On XX/XX/year> I paid off the loans taken out through XXXX in the amounts of {$500.00} and {$1000.00}. However, a couple of days later, my account had duplicate charges for the {$100.00} dated XX/XX/year> and for {$500.00} and XXXX, which pulled my account into the negative. I called Citibank to only dispute the duplicate charges and not the original charges. They assured me they wouldnt reverse the original charges. Weeks later they reversed the original charges. I then repaid XXXX on XX/XX/year> in the amounts of {$650.00} and XXXX due to now having accrued more interest because Citibank reversed the original charges that they blatantly told me they wouldnt. Then on XX/XX/year> the charge for {$100.00} was taken out of my account, on XX/XX/year> XXXX was taken out of my account and on XX/XX/year> {$500.00} was taken out of my account causing it to go negative. I called Citibank and they said the dispute was reversed and closed saying the charges were valid. I told them I already paid XXXX off and they need to refund that money to my account. They said I can only appeal the decision which will take 90 days. I called XXXX and they claim there is no overpayment and it could take 45 days for them to receive the overpayments. In the meanwhile Im out {$1600.00}. I have accrued late charges from my auto payments on other bills due to having insufficient funds. Citibank told me they wouldnt reverse the original charges and they did and because of that I had to pay more interest and now another overpayment that no one seems to want to claim they have. Citibanks response to the first claim is ridiculous, now they are claiming there was no duplicate charges, but if they listened to the phone call regarding that dispute they would see the agent acknowledged there was duplicate charges on my account causing it to go negative and he assured me Citibank would not reverse the original charges.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX BAL.OWNED : {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Western Shamrock failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
Product: Mortgage

I have already filed a complaint and received their response. They are unwilling to work with us to repay the property taxes that they paid.

We have been working with an outside institution to try to obtain the funds required to stop the foreclosure.

I am very concerned that if I get what they say is needed they will have changed the amount and not notified us.

The Law Firm was unable to give an exact amount needed and it took several contacts with Ocwen to get someone to respond with an amount.

We are reaching the deadline and I want to make sure they have not changed the amount or the rules.

They sent letter dated XX/XX/2018 that the amount required to stop foreclosure was {$3100.00}.

Can you contact them on our behalf to make sure they are sticking to this amount because if they have changed this amount our attempts to obtain funding will be in vain and they did not notify us with a formal letter of any increases or changes and they would not have given us enough time for any adjustments.

If they did change any amounts due without notifying us would they not be in violation of the fair debt responsibility?

If possible can you contact them on our behalf and get back to us asap?

Ocwen Reverse Mortgage Servicing Dept Loan # XXXX  ( XXXX ) XXXX office ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  ( XXXX   ) XXXX XXXX
Product: Debt collection

I have been disputing this account for some time now with ALDOUS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Vehicle loan or lease

CHRYSLER CAPITAL. XX/XX/2021 we paid our normal {$710.00} a month payment not knowing it was our final payoff amount. Then we were hit with a late payment when it wasnt late, may we pay {$1100.00} which is what it stated on the website to pay as a pay off when we didnt realize we were supposed to pay {$1400.00} ( short {$300.00} ) which we had no idea because we only paid what it said too. we immediately paid the remaining amount as soon as we got a letter in the mail stating we were short and late. Tried to fix it with Chrysler capital since we hadnt been late in over 2 years especially since it was our last payment. Why would we be late on our VERY last payment if we knew ... its just very upsetting since we were trying to buy a house and now our credit isnt where it should be by this accidental late payment. Ive already reached out to the company trying to get a goodwill deal with them since the loan is paid off already, and theyre refusing to remove the late payments even though its fully paid and closed.
Product: Checking or savings account

Sir or Madam, you sent my complaint against CIT bank # XXXX to the Citi Bank , while the complain is against the CIT Bank XXXX 
The CIT bank locked our account due to my attempt to log on from USVI and misspell my pass word. After coming back I called twice to the CIT Bank and talked with two reprsentatives and manager in order to unlock our account. I was promised that within 3 days everything will go back to normal but nobody did not contact me or did any change. Our family saving account is frozen and we can not use our money. Please make sure that you contact the CIT bank ( not the CITI Bank ).
Product: Checking or savings account

Someone hacked in my account and took {$400.00} out of it and I filed a dispute with the bank and I received an email saying the provisional credit is permanent then they turned around and took {$400.00} out of my XXXX XXXX  which left me in the hole and I couldn't pay my rent so now I got evicted and I'm homeless I've called the bank and they said that escalate it and that was over 2 weeks ago maybe three
Product: Credit reporting, credit repair services, or other personal consumer reports

Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Product: Credit card or prepaid card

I applied for a Verizon Credit Card ( Synchrony Bank ) on XXXX ( Reference Number : XXXX ) and was denied with a claim that my credit was " frozen '' through the credit reporting agency, XXXX. The freeze had been lifted two days prior to the application. I called Synchrony Bank and was told to reapply so they could transfer me to the underwriting department to address the issue " real time '' and help expedite my application. I applied a second time on XXXX and was still denied based on applying too quickly between applications. The policy apparently requires that you wait 30 days before reapplying. After calling again on XXXX, I was told to wait on a letter with a reference number and call back so that the denial issue could be addressed at that time. I received my first and only letter on XXXX ( Reference Number : XXXX ) which was based on the second application. The reason for denial on that letter was : " Prior application submitted too recently ''. I called Synchrony Bank again on XXXX and spoke with a fraud department manager who instructed me to apply again while we were on the line and she would be able to help process application immediately. After being put on hold for several minutes, she then instructed me that I would need to wait another month ( until XXXX ) before reapplying since it had not been 30 days since the last application. She thought that an override of the waiting period could be made on her part but was clearly not the case. This is the most frustrating credit card application process I have ever dealt with. Also, I am very unhappy that my credit score was " dinged '' three times without being approved and if I apply again at the end of XXXX it would be a total of four times. The manager assured me she would remove the credit reporting " dings '' and would like to verify this has in fact been accomplished. I am a brand new Verizon customer and simply want to use the Verizon credit card to pay my bill each month ( instead of my checking account ) so that points can be earned. My credit score is in the 800s and I pay all my credit cards on autopay each month in full. It definitely should not be this difficult to apply and achieve a credit card approval through this bank. Very disappointing and frustrating to say the least.
Product: Credit card

Someone tried to obtain a chase credit card under my social security number. They attempted to obtain this credit card 3 different times. Chase bank did denied the application. They sent me a letter telling me someone was using my information fraudulently. 
The dates they tried to obtain credit was XXXXXX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submll the qualifications under 15 USC 1681c-2 for Block and Removal of the informatiitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet aon on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX, on XXXX XXXX, 2019, XXXX XXXX XXXX XXXX and on XXXX. XXXX, 2019, XXXX XXXX  XXXX  add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

In XXXX I agreed to refinance my home with US Bank. 4 or 5 days before closing they asked for an additional {$10000.00} in escrow that was not part of the estimate they gave me. I was upset but had gone through so much of the closing process decided to still close with US Bank. I made that decision because the US Bank employee I was communicating with wrote in writing " after 2 months of payments can cancel the Escrow and it will only take 2 days to do it ''. 

I have now been trying to cancel the escrow for 7 or more weeks now. Throughout the process US Bank adds another layer of red tape that is not disclosed. Like the {$1200.00} fee to pay them to cancel the escrow that was paid 3 weeks ago. 

Every time I speak to someone at US Bank I get a different set of rules or steps. It feels like they are just a bunch of liars but its more likely they just grossly inadept. 

The process has been frustrating. They don't care that I was told it would only take 2 days. I have offered to forward it to them, the emails from their employees. 

I do not think that a bank/mortgage company can mislead consumers in the loan process. It should be in writing and they should keep written commitments. They also said if I would pay my property taxes they wouldn't need the {$10000.00}. The next day I paid my property taxes and sent them the receipt. They then said, oops we made a mistake telling you that and we are still requiring the extra {$10000.00} at escrow. 

If I make a mistake, lets say I don't pay them, etc. Will I get to say Ooops? Can I lie to them or mislead them? Why is it only one way?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of identity theft while working temporarily in the Mississippi area, someone opened a XXXX account with my information and defaulted on service bill, went into collection and is on my Transunion Credit Report - AGAIN. I called XXXX and resolved, they were to notify Collection Agency and fix - both XXXX  and XXXX  fixed this erroneous information, Transunion either did and brought it back or did not at all. Still shows derogatory in collection for account that is not mine. 

I discovered this after getting notification someone tried to open an XXXX XXXX XXXX account in same area of MS , I was able to stop that. I have since locked all my credit accounts, I need to open them in order to apply for credit. While trying to get a new credit card where they use Transunion and my score was notably lower than that of the other two agencies, I discovered this inaccurate information. I am 730+ on other two and only XXXX with Transunion and need 720+ with them for a 7.45 % interest rate card with my Credit Union - quite tired of the inaccuracies of these credit reporting agencies that have us by the XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding a fair and lawful investigation into the attached accounts. I have tried to resolve directly with the companies but have not received proof that I own these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit report act. capital one account # XXXX has violated my rights. 

15u.s.c 1681 section 602 A. states i have the right to privacy.

15 u, s.c 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian XXXX and XXXX have been notified on several incidents of identity theft and have yet to clear my report its preventing me from opportunities for housing financial support and education for my children this is completely illegal according to fcra regulations Im to be provided with an investigation on WHY these things are on my credit report most of these items I can not acknowledge for I did not commence any contracts or agreements for leases loans or credits as well as services including communication and health services
Product: Checking or savings account

XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore
Product: Debt collection

I am submitting a complaint on Convergent once again because they are illegally reporting a collection on my credit that is a result of the identity theft that occurred on my credit. In 2014 I disputed this debt with them and the debt was removed from my credit profile and once again they are reporting the same debt on my file.
Product: Mortgage

I purchased a mobile home together with the lot and closed on XX/XX/2019.  The attorney obtained a payoff demand letter for balance due of $XXXX (see attached) from the lender, Mr. Cooper aka nationstar. The closing agent/attorney wired the funds and was accepted by lender.  The lender has failed to release the lien against the mobile home as of this date even though it is required by state of Florida to file release within 10 days of payoff (see attached state form).  My attorney has requested number of times (see attached emails) for the release but get the run around.  Without the lien release I can't have the mobile home reg. in my name.  Further more the county tax collection won't let me retired the home to the lot.  I can't sale the property either.  I do hope the bureau can assist me in this matter and have the lender release the lien for which they took my funds for.