23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On my Chex Systems Reports ( even up to now ) there shows a balance due to XXXX XXXX for {$800.00} ; this balance due has been discussed with XXXX and resolved as arising out of fraudulence and XXXX XXXX HAS XXXX OUT THE BALANCE DUE = THERE IS NOW NOTHING DUE TO XXXX, I CAN OPEN A BANK ACCOUNT AND AM IN GOOD STANDING. 

I have written Chex Systems regarding this to update and remove me from their list, because XXXX has XXXX out the old balance and I no longer owe anything ; I have provided lettres written to me by XXXX and everything - yet Chex Systems claims that they have called XXXX and verified the debt as still open and not resolved, they have also claimed that the letters I have forwarded them are not valid/legit/altered, and refuse to clear my name and remove this from my report. 

I am now attaching yet ANOTHER letter that I have received faxed over DIRECTLY from XXXX - in which one can CLEARLY read and see that everything has been XXXX out resolved. 

Chex Systems DOES NOT have the right to claim that the writing is not clear, CAN NOT claim that this is not a valid lettre, and XXXX has commented several times to me before that they can find no record of Chex Systems EVER having contacted them to validate my case ( and that if they had of done so, the entrance in Chex Systems would have been corrected/removed ). 

Chex Systems, like any reporting agency, must follow the rules of the FCRA regarding anything that is reported and then rectified due to Fraud/ID-Theft. Per the FCRA regulations I demand that Chex Systems stop playing games and, per the FCRA regulations, YOU - CHEX SYSTEMS - IMMEDIATELY OBEY the law and remove this XXXX entry from my report per the letter attached and per discourse with XXXX VALIDATING/VERIFYING that the unpaid balance has been resolved to XXXX and satisfied. 

YOU, CHEX SYSTEMS, ARE OBLIGED AND MUST obey the law - I do not know who you think you are, but if you do n't update my file appropriately and with the proper expedience ( within 4 business days, per the FCRA regarding cases of Identity Theft/Fraud ) I 'll pursue you in court with my lawyer in XXXX as well as a local attorney there in XXXX.
Product: Checking or savings account

File a claim XXXX  back in XXXX case # XXXX back in XXXX XXXX XXXX was past 90 days wells fargo with {$600.00} on XX/XX/XXXX they sent me a cashier check it's been 106 days and I still haven't received my check wells fargo broke rules and regulations it said 90 days until your claim be resolved it took them 106 days before my claim resolved I still haven't received my cashier check.
Product: Credit reporting or other personal consumer reports

Delete Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have a contract with with these collection agencies they did not provide me with the original contract as I requested.
Product: Checking or savings account

My checking account was fraudulently used XX/XX/XXXX and I immediately contacted Citibank, Citibank said they would investigate and lied about all the practices they used to conduct the investigation. Today, XX/XX/XXXX, They told me my account was fine after having it on block status for two weeks. I paid into an old savings account they told me needed to be paid for them to unblock the account, they lied again. They closed my account without giving me my funds that are currently in the account. I sat on the phone with the fraud department and spent 4 hours in the Citibank location for the personal banker to assistance me. 

They were unsuccessful, they took my money and will not return it. Nothing is old to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX, Transunion and XXXX about some errors that I found while looking over my credit report. For some reason XXXX failed to investigate my disputes. I sent another letter out and got no response. Im not sure how XXXX  comes up with this FRAUD DISPUTE suspicion. XXXX and Transunion verified these accounts that I know are inaccurate. I read some information online and found out that under the FTC I can dispute all inaccurate information on my credit reports. Am I right? Again I am disputing the follow accounts after noticing several errors 1. XXXX # XXXX This collector has re-aged this account. Please remove. Please remove 2. XXXX # XXXX The date of delinquent is misleading and incorrect. Also this account shouldnt have a balance. Please remove 3. XXXX XXXX # XXXX I have reached out to this company with no response. The balance, date opened and the payment history is incorrect. In addition this account should not have a balance. Please remove. 

I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. 

XXXX XXXX
Product: Debt collection

Southern Credit Recovery stated that collections were be pursued against me for XXXX medical bills that were done by someone who committed identity theft. These XXXX collections started being pursued on XX/XX/2016 and XX/XX/2016. Southern Credit recovery were notified that I have never been hospitalized for 30 years of my life and was a victim of id theft with numerous accounts being opened in my name, They refused to help me resolve this matter and has been ignoring me for XXXX years, That has been more than enough time for them investigate this matter
Product: Mortgage

I've found the only way to get a mortgage company 's attention is to file a complaint. The reps simply do not care, and do not have the means by which to implement any type of change to the system in which they are a part. 

I just refinanced with " Amerisave '' and attempted to make my first payment for XX/XX/XXXX. 
There is no record of my payment on their site ( the means by which I made the payment. ) I have no way of knowing if payment went through. Nothing on their site reads " processing '' or that their will be a delay. 
They do not list their hours of operation on their site, which causes me to waste my valuable time with their horrible robot message system ... .forcing me to listen to 5-10 min of irrelevant info, and press no less than 5-8 different phone prompts to reach a person. After wasting 10 min doing this, I'm transferred after each press to find out the office is closed. Simply listing office hours on their site would be a help. The phone system only states XXXX, not the days of the week. 
I also tried, via two different website menus, to make an additional payment principle to my loan. Both attempts failed. I was told I could make payments of additional principle before I agreed to refinance with Amerisave. 

Why is there no record of my payment? 
Why is there no listing of office hours? 
Why can't I make an additional principle payment on website? 
Why isn't my loan number on the website? ( It's required to submit this complaint, and to use most features on site, yet it's not made available. 

I travel for work and am not at home for extended periods of time. I do not get paper statements. Can't find loan number anywhere. Yet again, I hit a brick wall trying to get any info. 

PS. I also wrote an inquiry regarding how my loan was calculated, specifically regarding how points are calculated. The point fees are added to loan figures, then calculated by taking a percentage WITH ADDED FEES ... .which is NOT how percentages are calculated. You can not add a fee then calculate fee from amount with the fee already added. Doesn't make any sense. I never received an adequate response to my inquiry. 
This is a class action lawsuit waiting to happen.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent in a hand written letter to dispute and account on my credit report ( XXXX XXXX XXXX ) due to inaccurate information to Equifax, XXXX, and XXXX.I received a letter stating that the account information was verified. This account has been charging interest on this charge off account for very month since charged off increasing the balance even though it's been charged off.
Product: Mortgage

i had missed one month of payment and had less opportunity to work due to XXXX symptoms. my mother needed help caring for my sister who had stage XXXX XXXX XXXX so i fell another month. i requested to Wells Fargo to pay more over the next several months to catch up but they insisted i do a loan modification, i did not want to do a modification so is sent in a check for one and a half month mortgage payment they returned the check and tild me not to send in any more payments until they complete the modification. i called my congressman XXXX XXXX and his case manager called on behalf. while on the 3 way call the peron he spoke to avioded his efforts to talk to her manager even though he stated he was case manager for congressman XXXX, the case manager said theey will not take my home ... XXXX lost the next election and i had to find the congressman for my district because they did a redistricting and it took months. i found XXXX XXXX was the congressman ( woman ) and spoke to her case manager XXXX XXXX. i explained the mortgage company denied the modification that they forced me into, even though i had {$10000.00} and a XXXX XXXX pension. XXXX XXXX was no help and led me to beleive there was nothing he or anyone could do. Wells Fargo had been guilty of this before but again he was no help. the VA bought my home even though i has the VA so called expert helping to helping me. VA rep.for mortgage XXXX told me they take long to do modifications but they will grant me this. and when i lost my home she just apologized and could not explain why the VA bought it instead of helping me stay in it. i told her that XXXX bank kept changing counselors every few months and i felt they were going to deny me but she insisted they would not deny me. so i have been homeless since 2011. i have wrote Obama and President Trump and got no reply ... i did what the VA pamphlet said to do by calling the VA " expert '' and still lost my home ro the VAXXXX i feel i did not gey mad enough because i trusted the system. i get  thanked for my service and some call me a hero but i lost my rights defending this country to the system. XXXX company sent me information stating that my foreclosure was not done wrong, so how can i get help to right a wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, and consumer, am sending this notice of dispute to you myself and there is no third party involved. After several attempts to resolve this dispute with Equifax, they are still in violation of several subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Within my last correspondence, I informed Equifax of their violations against me, the consumer, and I have yet received my requested remedy or a response to their investigation which has been more than the allotted 30 days. They are reporting inaccurate information on my consumer report and never received written instruction from me, the consumer, to furnish this information. I have provided the consumer report pages with the accounts I need removed from my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I paid off my credit card balance of {$430.00} in XX/XX/year>. I requested a 1099C from XXXX  XXXX XXXX to write off as income since they wrote my account off as a charge off with the IRS. This means not only did they get the credit from IRS they also received a payment from me. 

My credit report from XXXX  XXXX XXXX is being reported as a written off. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove these unauthorized inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized inquiry removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the unauthorized inquiries shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here are the unauthorized inquiries i need removed off my credit report " EQUIFAX '' As follows ... 

XXXX XXXX, XXXX  on XX/XX/2020 XXXX  on XX/XX/2020 XXXX XXXX-XXXX  on XX/XX/2020 XXXX on XX/XX/2020 XXXX  on XX/XX/2020 XXXX  XXXX XXXX  XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX ON XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX, Equifax and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so Capital One has violated this law because this late payment reporting on XXXX, Equifax and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX, Equifax and XXXX and I didnt give them permission to do so.
Product: Mortgage

This letter explains the hardship situation which caused me to fall behind on my mortgage payments. I would like to be considered for an Unemployment Forbearance. I have been in/out of work since XX/XX/XXXX, I have not been working continuously since XX/XX/XXXX. My main goal is keep my home for the long term. I am activity seeking employment and plan to be back at work with the next 2 months. I am receiving unemployment and child support payments. I am also receiving food stamps and am getting help from agencies as for as the utilities. I have XXXX daughters in college and I really want to keep my home. I had XXXX last year and thats the start of my financial problems. My XXXX was a success and my XXXX is doing much better. Also, I had XXXX siblings to pass away within 30 days of each other and I have not been able to obtain employment as of today, ( copies of obituaries are attached ).
Despite my recent hardship, it is my full intentions to pay what I owe. I am sure as I write this letter things will be improving. I would appreciate patience and consideration during this time.
This is the letter is sent to US Bank Home Mortgage and refuse to work with me. I have applied for repayment plan and unemployment forbearance, US Bank just keep denying me. Please help I am working fulltime now and receiving arrears in my child support payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I, XXXX XXXX a federally protected consumer, mailed a document via USPS Certified Mail return receipt requested that notified Experian of SEVERAL inaccuracies on my credit file/report. Their response claims they have completed an investigation regarding the inaccuracies you were notified of, however the inaccuracies are still reporting, therefore Experian must delete each account for inaccuracies. Attached to this complaint is the document I sent XX/XX/2022 as well as proof of the inaccuracies reporting on my consumer report, circled clearly for Experian 's convenience. The Fair Credit Reporting Act ( FCRA ) states that the banking system is dependent upon FAIR and ACCURATE credit reporting ( 15 USC 1681 ( a ) ( 1 ) ). It is disappointing and unfair Experian would continue to report inaccurate information even after my thorough descriptions of each inaccuracy for each account. Because Experian stated that an investigation was completed regarding these inaccuracies, I sent a document on XX/XX/2022 pleading that Experian answer the following questions so I feel confident that their investigation efforts were not made in bad faith. What was Experians method of verification for each account? with their method of verification, provide me with the names and testimonies of each witness that they conducted personal interviews with whether it be neighbors, friends, family members or associates. NOTE : an investigative consumer report shall NOT include information obtained directly from a creditor of a consumer ( 15 USC 1681a ( e ) ). Did Experian verify that each furnisher for each account has the required SSA-89 form on file with my wet-ink signature? If yes, provide me with these verifications. Did Experian verify that I, the consumer, consented to consumer reporting? If yes, provide me with this verification. Not only are these accounts inaccurate, I, the consumer, did not consent to or give my written permission for this information to be reported ( 15 USC 1681b ( a ) ( 2 ) ). I am again exercising my right to privacy, and it is Experians grave responsibility as a consumer reporting agency to respect my privacy. ( 15 USC 1681 ( a ) ( 4 ) ). I am demanding that these accounts be permanently deleted from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I contacted the company back in XXXX and XXXX to see where accounts came from. I contacted back in XXXX  to have accounts close because I never opened them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with Equifax to resolve an issue with XXXX XXXX XXXX. They continue to leave an inaccurately reported account on my credit report. Now, Equifax has deleted my active mortgage, so my credit reports that I have no mortgage account. I am not sure what XXXX XXXX XXXX is in charge at Equifax, but it certainly appears that they need to be let go. I would like to have my active mortgage returned to my credit report and the XXXX XXXX XXXX account with inaccurate info removed. I do not know how to accomplish this as Equifax has been uncooperative and obviously incapable of accurately reporting my credit history. My mortgage is with XXXX  XXXX XXXX  # XXXX
Product: Credit card

I went online to American Express XXXX and booked a hotel room for XXXX nights, was quoted around {$140.00} a night for the XXXX nights a total with tax of around {$320.00}, and when I hit accept it charged me instead for a total of {$420.00} and booked me for a larger room. When I called to rectify the situation with American Express they failed to take responsibility and rectify the situtuation, failed to make me whole in any way, shape, or form, failed to accept responsibility for the gliche in their website, and failed to accommodate me in any way. I spoke with XXXX XXXX in customer service as well as several others in XXXX customer service and got no assistance at all. I found the correct room online with XXXX, and asked for them to refund but it would take 10 busienss day to process the refund at which time I would lose the deal for the better rated room.
Product: Mortgage

I refinanced XX/XX/XXXX. XX/XX/XXXX company transferred loan. XX/XX/XXXX requested to remove PMI insurance. Mortgage company told me I have to pay {$460.00} for an appraisal. I did. XX/XX/XXXX appraisar arrived we told him we remodeled bathroom he put this in appraisal. We told him we added central air and heat he did not add this in appraisal report. We told him we upgraded plumbing to copper he did not add this in appraisal report. The house directly next to us sold XX/XX/XXXX appraiser did not include this house in comps and it sold highest in neighborhood {$590000.00}. I asked mortgage company to request revision they refused. They told me my loan has to be 2 years and they are not counting origination date. Mortgage company told me Ltv has to be 80.59 % and I came in at 80.45 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX Inquired on XX/XX/2023
Product: Credit card or prepaid card

I was scammed by a debit card companys own client same bank, person whom has same bank and card. For product that I did not receive and have documentation that client closed account right after transaction/Transfer. 
Contacted Cashapp XXXX told them a customer of theirs whichs shows account opened in XXXX I sent money for a product not received and person closed account and no answer right afterwards. Understand funds are instant but should screen their clients/customer are authenticate if any fraudulent account was open a month ago I would understand but XXXX yrs open and they cant retrieve my funds is unacceptable.I have attached files for reference
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX XX/XX/2022.