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

A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting removal of non account holding inquiries from my credit file being that consent ( verbal or otherwise ) was not given or applied to these unrecognizable third parties fro any form of credit or services. On Saturday, XX/XX/2019, I received a reply via USPS mail from Equifax with report confirmation # XXXX stating, A third party may access your Equifax file to assist in underwriting of your request for credit ; if you apply for certain services ; or indicate that you are applying for credit. I neither gave my consent verbally, in writing, or indicated with said companies nor have I applied for any services or credit with said companies with whom these inquiries are listed. They are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. Equifax provided these companies with my credit profile fraudulently, and refuses to remove these inquiries from my credit report. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report, including inquiries. Equifax has given my credit report to these third parties listed above and continues to knowingly report incorrect inquiry information masked under consumer consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted XXXX, XXXX and Experian to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I have sent multiple disputes in regards to the inaccuracy of my discover bank account on my consumer profile with Experian. In that dispute was a detail Credit report, showing the inconsistencies and inaccuracies amongst all three Credit bureaus. After each dispute. I receive a verified and updated dispute results. I then proceeded to send a 609 letter Requesting all documents and investigating or verifying the disputed items and also detailed procedures on how they investigated and verified the disputed items. I then again received the exact same Verified and updated dispute result
Product: Money transfer, virtual currency, or money service

On, around, or before XX/XX/XXXX, I received an email from PayPal stating that my password has been changed. Being that I have no logged into this account in well over 6 months, I know for certain that it was not me, nor did I grant anyone access to make any changes to this account whatsoever. Being that I have completed the " Fraud Victim Affidavit '' due to my identity being used in and or on other platforms without my authorization, this type of occurrence may have transpired due to the access of all my accounts, emails, messages, passwords, contact information, etc. being in the hands of an unknown person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an XXXX XXXX with my XXXX in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX XXXX now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department XXXX the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Product: Credit card

I have not been able to access the website portal for viewing my account transactions and being able to schedule payments as only their mobile app is available and that is glitchy itself which I have called about several times but they have not fixed the available access to their website and the mobile app for myself and many other cardholders.
Product: Checking or savings account

A fraudulent charge is on my Account and the bank isnt trying to give me my money back after I told them it was a scam. Ive provided all information in order to get my money back They havent been helpful at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Checking or savings account

XX/XX/year> at XXXX I made a XXXX cash deposit the atm didnt deposit my cash and gave me a receipt saying we couldnt process to contact your bank. My bank has told me multiple things and no one is consistent with the other. I just want my XXXX deposit
Product: Checking or savings account

Over 1 month ago I asked if I could close my bank account over the phone instead of going inside the branch. They said yes. During the closing of the account, however I had been mistakingly auto debited for my car payment ( even though it was already taken out of another account, so I was dinged twice ), so I requested a stop payment on this item. I also requested a stop payment on an unauthorized charge from a doctor ( for {$300.00} ). They told me it would take a little while for the stop payments to go through and then the account would close. After several weeks of my account still being open, I went into the branch and asked if I could please withdraw my money from the account. The teller was told by BOA that I could if they reopened my account again from its closing status, and then close it again. After trying to do this BOA on the phone ( fraud dept ) said no, we can not do this for you because its in a closed status. I asked how long until the account would close since they originally told me 10 business days and it had now been 3 full weeks. She said she did not know but it would be the end of that week. This was 2 weeks ago. My account is still open, it still shows a balance of {$450.00} and I have not received my check for the funds in my account. I need my money back now!!! No one can give me any date as to when I will receive my money back. Please help or I will be getting my lawyer involved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is your final notice. I am demanding an immediate and thorough explanation of every step your agency has taken to ensure the items on my credit report are 100 % accurate, as mandated by 15 U.S.C. 1681i ( 7 ). Under this law, you are legally required to provide me, within 15 days, a full description of your reinvestigation procedure, including the names, addresses, and telephone numbers of every furnisher of information you contacted to verify these disputed items.

I have previously notified your agency that I am a victim of a Data Breach/Identity Theft. I have also filed an FTC Report, confirming my status as a victim. Despite my explicit demand that you block and remove all fraudulent information from my credit report under 15 U.S.C. 1681c-2 ( c ) ( a ), you have negligently failed to comply. This is a gross violation of federal law and my consumer rights.

The following item remains wrongfully listed on my credit report, and I demand it be removed immediately : XXXX XXXX XXXX  Account Number : XXXX The XXXX data breach compromised my personal information, and now Im seeing unauthorized and unverifiable items on my credit report. These claims are illegitimate, and under the FCRA, you are prohibited from reporting them as accurate without concrete evidence. I demand proof that your agency has adhered to compliance standards for this account. The FTC is investigating this issue, and any unverified claims must be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS AGAINST XXXX CREDIT BUREAU. XXXX TOTALLY DELETED THE PREVIOUS ADDRESS OF XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OUR CREDIT BUREAU UNDER PREVIOUS ADDRESS. 

WELL, WE KNOW WHY BECAUSE THE HOME WAS PREVIOUSLY PURCHASED BY XXXX XXXX XXXX PRIOR TO US EVEN TOURING THE HOME. BASICALLY, A GREAT MAJORITY OF THE HOMES ON XXXX XXXX XXXX HAS MORTGAGE FRAUD ISSUES AND THE OWNERS ARE BEING PAID TO PARTICIPATE IN THE PROCESS. IF NOT THE HISTORY OF THE HOME HAS BEEN MODIFIED! 

XXXX IS WORKING WITH ALL OF THE INDIVIDUALS WITHIN THE RICO XXXX XXXX XXXX XXXX XXXX XXXX GA TO COVER UP THE FRAND AND ID THEFT AND FRAUD. AS A MATTER OF FACT THE ATTACHED INFORMATION SHOES THIS XXXX BEING THE INDIVIDUAL FORECLOSED ON NOT US. WE NEVER RECEIVED A LOAND FOR A MORTGAGE WE WERE PAYING HIS XXXX XXXX XXXX XXXX MORTGAGE IF THAT'S HIS NAME. 

XXXX NEEDS TO CORRECT THE HISTORY OF ADDRESSES, THEY WANTED PROOF SO THEY ARE GETTING THAT AND MORE. THEY NEED TO PULLED XXXX XXXX XXXX AND IDENTIFY AND QUESTION HOW THIS PERSON IS STEALING HOMES FROM PEOPLE, THE ANSWER IS THE XXXX, ATTORNEYS AND OTHERS USE HIM AS A CATALYST IN ORDER FOR THEM TO BECOME WEALTHIER, HE GETS A PORTION OF THE FRAUD LOANS HE TAKES OUT IN OTHER INDIVIDUALS NAMES AND SPLIT THE REST WITH THE ENTERPRISE. 

XXXX BETTER CORRECT OUR ADDRESS HISTORY. THEY ARE SO RUDE AND IS ALSO FULLY RESPONSIBLE FOR INDIVIDUALS LOOSING THEIR HOUSES, OH YEA THEY WILL BE CHARGED AND WELL AND INDICTED, TRUST AND BELIEVE ALSO, THERE WILL BE ANOTHER COMPLAINT. XXXX HAS ALLOWED COMPANIES TO PULL MY CREDIT REPORT CAUSING NUMEROUS INQUIRIES ON TO MY REPORT!
Product: Mortgage

My Mortgage servicer is LoanCare , LLC which is part of XXXX XXXX XXXX XXXX. The Mortgage Payment is due every XX/XX/XXXX of the month and late after the XX/XX/XXXX of that same month. I have not been late since LoanCare was assigned to me by XXXX XXXX in XX/XX/XXXX. But since then I have notice some anomalies in the activity of my escrow account that lean toward making it difficult to pay on time and bring up my credit score because of on-time payments. In XX/XX/XXXX there were funds moved in and out of the account for nothing on the surface. But when you look at it closer, the movement exhaust the escrow causing an advancement from the mortgage company, therefore increasing the balance of the account to drive down the credit score. This allows all attempts to get a better loan to fail because your score is just below the approval line. 

In XX/XX/XXXX the Escrow Account was drafted in XX/XX/XXXX when it did not need to be drafted till XX/XX/XXXX for Tax bill due. But LoanCare chose to do it early because they could cause a temporary advancement to drive down the credit score. Payments in XX/XX/XXXX and XX/XX/XXXX would of been sufficient to pay ALL of the taxes outstanding before the XX/XX/XXXX Due date. 

Also I pay all my Mortgage payment online through my own checking account XXXX XXXX XXXX. This way I can keep a meticulous record when the bill is paid. Also the payment is drafted electronically in 24 hours. But I have noticed that though the account is funded, LoanCare does not credit the account for 3 to 4 days. LoanCare does not have a local branch in the XXXX area and all Online payments through their site cost a fee. 

This account is intentionally made difficult and expensive to cause defaults and foreclosures to struggling homeowners. I have attached copies of proof of the above statements. If you have any questions I can be reached at XXXXXXXXXXXX. Though I have filed a complaint with my Mortgage Servicer I do not expect them to change their behavior. I will be passing on to the press this information too.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : XXXXAccount Name : ** XXXX XXXX **Account Number : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report noticed an account collection by midland. I contacted the original creditor, XXXX and requested documentation validating the balance which they were unable to provide. I have since then tried to dispute this directly with XXXX to no avail. This is damaging to my credit and preventing me from future financing opportunities.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with Chex Systems. Chex Systems didnt delete or remove the following inquiries viewed by others from my Chex Systems Consumer Report ID : XXXX, Blue XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX inquiries is not my inquiries and the fraudulent inquiries was listed in the police report from the XXXX Police Department , I sent recently sent to Chex Systems. I do not want any fraud alerts or security freezes on my Chex Systems Consumer Report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit card or prepaid card

My bill was due on XX/XX/28 and I paid it in full on XXXX. The statement closed a few days later and I was still charged interest. I paid double the statement balance and still charged interest on what I had already paid. I chatted with amex this morning and they waived XXXX of interest but not anymore.
Product: Mortgage

Called TB bank  and applied for a loan on XX/XX/XXXX th spoke to the loan officer filled out application and quoted a rate primary home 2.875 % Refi cash out. I applied for the loan and the loan officer was supposed to lock in the rate on XX/XX/2020 at which time the loan officer tomorrow I will lock the rate in since I'm not in the office today don't worry. When I followed up with him again the next day he said was locking in today when he gets to the office. Monday came and I asked is all good are we locked in. He stated I will lock you in today don't. Then on Tuesday or Wednesday I called he now stated after I went over the ratesthat he had given me and stated I'm sorry the rate had changed. Now he quoted me a higher rate of 3.00 % and locked me in at 3 %. The loan officer clearly did not show up to work till Monday or Tuesday or reach out to the appropriate people to lock in the rate in time prior to rate change. The loan officer had plenty of time to lock in my rate. If he would of taken the extra step of reaching out to the right people or provided me with a contact at the bank to lock in the rate. This is not how business should be conducted at TDBANK, this is not a WOW experience that they preach in their slogan. I have multiple relationships with many banks and never had a worse experience then with TD bank. This has not only cost me money but has also cost me time since trying to close my Mortgage in XXXX, this must be the WOW experience they give their customers. I'm requesting immediate resolution from TD bank in to this matter. I did not agree with the company response at all. In fact I believe that the company TD Bank does not even care for the customers. Clearly they wrote something without even asking me a question. The bosses are protecting their interests and employee. I have text messages from the employee and me telling him we should of been locked in already. Both loans were given the day I called and told XXXX to lock me in. To only find out he did not even put one of the loans into the computer. This is new to me upon their information given as an explanation. Because I put BOTH LOANS in the same day. But they say otherwise. Let me know where I can send the text messages to? I have them. Also the employee texted me that I have an " attitude '' I have that as well texted to me. Would you like that text? I have it as well. He was upset that I was telling XXXX what he promised so he texted me and offended me by saying I have an attitude. Is this protocol to call your customers in text ATTITUDE? Also your employee texted me " I tried to help you but who cares anyways, you don't ''. Would you like that text as well??? If you are serious in resolving the issue in hand please reach out to me and look into my side of the story and see the proof in writing which I have in text. Please get back to me.
Product: Checking or savings account

On Tuesday XX/XX/XXXX {$5000.00} was deposited in my account in certified funds which were United States Postal Money Orders. Chase put a hold on these funds after the deposit was made therefore preventing the deposit to be returned. The bank against their own policy when it pertains to certified funds put a 7 day hold on my funds which were paid to the bank on XX/XX/XXXX. Which the United States Post Office provided me proof of! Furthermore the bank even verified the funds and refused to remove the hold causing me to have to cancel a very important trip.
Product: Checking or savings account

I have had a disgusting experience with citi bank. I was asked to verify my identity with citi bank and I did, I provided all government documents and I was able to login again but I stopped using citi bank card because the card was horrible it didnt work more times than I can count so I logged in again and tried to tell a representative but they told me that I once again have to verify my identity for absolutely no reason AGAIN. Everyone that works with citi bank is terrible. I get into my account and I find unauthorized deductions from my account for a check fee yet I have never touched a check from these people and so I brought it to a representative the quarter wit wanted to play like it wasnt there and I wish I recorded every single one of their call with me. I left the account alone because I was so ready to just head to citi bank extremely aggravated. I come back to my account to see that according to new updates to citi bank I no longer have any overdraft fee charges but these people still want me to give them money so none of this made sense, I check my statements to see that I owe nothing and they keep messing with me still! Every time you get on the phone with these people they force you to just between several departments and several different numbers, everyone that works there needs to be fired for lying and horrible help. I made sure to take screenshots of the proof and only when I found out I owe nothing these people closed my checking account to hide
Product: Checking or savings account

Made an account with Citibank a week ago. Deposited 4 checks from XXXX for dividend payment which were confirmed to be legitimate by XXXX  themselves. Citibank will not even attempt to verify and simply closed my account and say my funds with be held for 30-60 days.
Product: Checking or savings account

On XX/XX/XXXX  I made a claim through BOA 's claim system, and customer service line RE : an overpayment to Spirit Airlines for baggage. There were 2 amounts of {$45.00} charged to my account. I told the rep that I paid for my baggage online, and then had to pay for my baggage again when I got to the airport- quadruple payment ( there and back ). The payments made at the airport were with other forms of payment. I received a notification from BOA that I needed to submit supporting documentation that payment was made with another form of payment. These receipts were submitted on XX/XX/XXXX  for both requests on claim ID XXXX. BOA confirmed that they received the supporting documentation via their message center, and this was also confirmed with their CS rep. The CS rep informed me that the supporting documentation was received by BOA on XX/XX/XXXX  for both claims. On, or around XX/XX/XXXX I received notification from BOA that they had not received my supporting documentation, and therefore my claim would be closed. Additionally, BOA informed me that the credited {$45.00} would be withdrawn from my account because they did not receive supporting documentation. Subsequently, when I called BOA on or around XX/XX/XXXX, the CS rep informed me that my claim had been closed- a decision had been made on XX/XX/23 because they never received supporting documentation. This is contradictory because I received an automated message that my documentation had been received, and the CS rep also confirmed through a recorded conversation that my supporting documentation had been received for both claims.
Product: Debt collection

my wife spoke with XXXX back in XXXX regarding a collection account that was on my credit report I didnt know I owed a balance and that I had an account in collections as I never had anything sent to me. we were told that in XXXX of XXXX and XXXX of XXXX there was a notice sent out to me letting me know the account was in collections. I asked to verify the address that the mail was sent to and both letters went to the rental property not my home address I was told that I would need to send a email over to XXXX whom is XXXX XXXX 's supervisor and that I needed to explain to him I never got the notice because it went to the wrong address so I was not able to dispute the collection and it was added to my credit report. I sent him an email and I have not heard back as of today.
Product: Student loan

My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer