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

In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit alert stating that XXXX reported a new address update Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Oregon - XXXX XXXXm very concerned because this is definitely inaccurate and I believe Im being targeted for identify theft. 

There are other inaccuracies on my 3 credit reports as well. This is the most recent one.
Product: Mortgage

I was contacted via e-mail on XXXX XXXX notifying me of a late payment on my mortgage, which Western Alliance Bank assumed the servicing of a month prior ( in XXXX for XXXX payment ). I contacted them by telephone the same day ( XXXX XXXX ) and requested a statement, as I had not received XXXX in the mail. They treated me as if not having received a statement in the mail was absurd, even though I confirmed my mailing address was correct. On the XXXX I received the statement, but it was a photocopy and did not include a payment slip or clear directions on where I was to mail my payment. I guessed at where to direct my payment and sent it off immediately. On XXXX XXXX, I received another late payment e-mail. Today, XXXX XXXX, I received a notice from a " noreply '' e-mail that Western Alliance Bank was trying to contact me regarding my mortgage, although I have received no other phone calls nor communications from them. I replied, but being a " noreply '' e-mail, I am not sure that they will receive my response. I have not received a statement in the mail for XXXX, so I believe Western Alliance Bank is at best incompetent in servicing a mortgage or at worst is operating with shady business practices for some as yet unidentifiable reason. I have had a stellar payment record with my previous loan servicers ( most recently The XXXX XXXX, a division of Western Alliance Bank ). If my loan weren't sold every year, I would consider signing up for automatic payment.
Product: Checking or savings account

My debit card number was hacked and over {$600.00} ( {$610.00} ) was stolen from my checking account. The debit card number was skimmed and used to charge XXXX separate charges at XXXX different XXXX locations simultaneously. I filed a dispute the following morning as instructed from the Fraud detection department and Old National Bank has denied reimbursement of the stolen funds.
Product: Checking or savings account

XX/XX/2018 XXXX XX/XX/XXXX # XXXX BAL INQ XXXX XXXX XXXX- {$2.00} XX/XX/2018 XXXX- {$4.00} XX/XX/2018 XXXX- {$16.00} XX/XX/2018 XXXX- {$12.00} XX/XX/2018 XXXX- {$0.00} XX/XX/2018 XXXX XXXX  Withdrawal fee- {$2.00} XX/XX/2018 XXXX XXXX   Withdrawal- {$100.00} XX/XX/2018 XXXX Withdrawal fee- {$2.00}XX/XX/2018XXXX-XXXX Withdrawal- {$120.00} I called the bank to make them aware that my new card and pin had been stolen out of my purse, by who Im unaware ... I dispute the charges in a timely manner, canceled my card and they still denied my dispute. I even explained my hardship to Bank of America saying I cant afford to loose anything. I was still denied ... I would like something done about this please
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I am a victim of a data breach that compromised my personal information. These accounts and inquiries are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit file. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5600.00} XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5600.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5600.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4400.00} Unauthorized Inquiries 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

To whom it may concern : I requested verification of this alleged debt from XXXX XXXX XXXX, and they did not introduce enough proof to me for this to be on my credit report. The original creditor added an addendum without my knowledge. They don't have an address that connects me to this debt. The signature doesn't match my handwriting. Neither of you has documentation to maintain this on my credit reports. Cease any credit bureau reporting and remove this account from my credit report. Please do not close it. Please remove it or face further consequences.
Product: Credit card or prepaid card

Scam of fabricated charge - Bank of America Visa denied the disputed claim with no recourse to supply additional information claim # XXXX Business class refundable ticked purchased from XXXX XXXX in XXXX for XX/XX/XXXX flight. Had trouble with XXXX XXXX website in XXXX. XXXX XXXX XXXX # XXXX and there was a XXXX that said click to call and was XXXX. ( note XXXX replaced with XXXX ) Represented as XXXX XXXX and stated flight cancelled and had to pay {$460.00} to rebook flight. Fabricated charge. XXXX XXXX XXXX  emailed original ticket confirmation # and ticket # - No changes made. In Bank of America disputed charge I provided this information. XXXX should have supplied a different ticket # and confirmation than the original and Bank of America travel Visa personnel too ignorant to request the merchant show proof of a rebooked ticket # different than the original. XXXX XXXX would not have charged me for a flight that they cancelled but would rebook at no charge. This was a business class refundable ticket. As it turned out the flight in question was cancelled and we were rebooked at no charge. This entity XXXX took 2 hours to set up and called me back. Threatened if did not pay would have to rebook entire flight. Disputed with credit card and merchant stated was a change fee and credit card company had me pay the charge. Representation was made to me it was a rebooked ticket and stated to credit card as legitimate change fee charge. Payment made to XXXX XXXX XXXX 
Bank of America credit card contact # XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XXXX / ticket closed, credit report still inaccurate XX/XX/year> - XXXX / no action / response / correction of inaccurate information Filing a ticket again today as Equifax has made no attempts to contact me directly, through my attorney, or other channel to report my information accurately. Equifaxs misuse of my data and failure to update is creating undue stress to me and subjects to me least favorable terms available to me based on the incorrect information reported by Equifax.
Product: Credit reporting

XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows late payments as much as 180 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX. 

These accounts have resulted in several hard inquiries and fraudulent accounts appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

a

m writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. Account Details : BRCLYSBANKDE Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.
Product: Debt collection

I had a a bill of about {$1100.00} from XXXX XXXX XXXX. I was sending them payments every month of {$10.00} and they stated that this was not enough and sent my account to a collection agency which is Central Financial Control. I talked to several people at the collection agency and advised that I was only able to pay {$10.00} per month as I have about XXXX more medical bills that I 'm currently paying on. They told me that this amount was not enough and that they had already sent my information to the Credit Bureaus on XXXX/XXXX/2016. I noticed that it was not reported then, but it was reported on XXXX 2016. I have copies of the checks sent to the hospital and to the collection agency. Please help.
Product: Student loan

I received an email on XX/XX/XXXX, the due date for my student loan payment, that my account had been placed in administrative forbearance. I did not request a forbearance. The email indicated that the account was placed on administrative forbearance and that no payment was required and no interest would be applied until after XX/XX/XXXX. On XX/XX/XXXX my account was debited for the amount due XX/XX/XXXX, however, my account is listed as past due and the payment is not showing on the Nelnet portal as received. 

I called to speak with Nelnet and they did not know what the issue was or how to resolve it. I was on the phone for an hour and there is no resolution. 

This resulted in an impact to my credit score at a time when I am looking for HELOC loans and this has a negative impact on the eligible interest rates for the loan. Prior to XX/XX/XXXX I was looking at 7 % now rates are 9-10 % because of credit rating impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed account XXXX XXXX XXXX XXXX XXXX Balance {$460.00} and in two days this account was verified with no investigation. I do not recognize this Fraudulent account as I a victim of identity theft. It is your duty to protect consumers who notified you of identity theft and remove accounts no later than 4 days of receipt 15 USC 1681 C-2, FTC IS ATTACHED. in accordance with the fair credit reporting act ( consumer reporting agency ), has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. TRANSUNION BROKE THE LAW!!! 
Failure to respond satisfactorily with deletion of the above demands will result in legal actions taken against your company for which I will be seeking { {$1000.00} } per violation for : Defamation of character negligent non- compliance Civil liability Mental anguish Fair credit reporting act 15 USC 1681 violation for willful noncompliance - 616. Civil liability for willful noncompliance ( 15 USC 1681n. While reviewing the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore, you have failed to conduct the proper method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 9. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 10. Validate Inaccurate/Reported Late payment XXXX  XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 11. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed 12. Identity Theft XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 
13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit card or prepaid card

Amount : XXXX USD Payment ID : XXXX Description : Credit balance refund Reason for Refund : Credit balance refund Refund From : Chase Card Services This is the result of an ongoing CFPB case. 
This was the result of null and voiding a check sent to an address i can not access. They are trying again because this email that is meant to confirm the ACH deposit, or else a check will be sent is requiring me to make a new account. The email sent is the second attempt according to chase, and it arrived finally at XXXX this morning. This was the first as far as im concerned. The account creation is the new problem. No matter how i refine my desired password, the system wont accept it, and i can not move to the next step toward collecting my negative balance. Please punish chase ... this is upsetting, and now taking over a month, even with your help.
Product: Checking or savings account

I got paid from someone for doing XXXX XXXX XXXX I deposit checks they let one clear the other XXXX the froze held for investigation no one ever called me and explained XXXX asked what happened nothing they just assumed I did this on purpose. My account went negative and I tried to keep the balance up while they were holding my deposits for investigation all the sudden I see a notification on Wells Fargo site state my accounts will be closed again they never even cared what happened I banked with them for 5 years. I had an awesome experience in XXXX XXXX but up in XXXX XXXX the experience has been awful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided she didn't like me. She would talk to me thru clenched teeth or avoid me all together
Product: Vehicle loan or lease

Lessee wishes to file complaint against lessor Ally XXXX. XXXX XXXX XXXX, MN XXXX regarding a leased XXXX XXXX XXXX. Lessee had vehicle detailed professionally which included removal of all minor dents and scratches. This process involved an insurance claim. Work was performed by a professional collision shop. Vehicle was turned in at leasing dealership onXX/XX/XXXX and the odometer read XXXX. The allowed extra mileage purchased was XXXX. The dealership confirmed it was in excellent condition and ally offered me to purchase for {$10000.00}. I took photos of the vehicle and turned it in. OnXX/XX/XXXX Ally hired inviso to perform a vehicle inspection. The inspection company took photos of the vehicle. They took a picture of a clean seat and cited it was soiled. A photo of the front of the vehicle exhibits a clean reflective scene of the pavement. They cited the '' front bumper had previous repairwork which was ok '' but claimed hood dents and chips but give no photo evidence. The front has never had collision repairs. They cited " rear bumper scuffed entire ''. Photo shows a flawless finish and no visible damage. " Decklid previous repair ok. The decklid has never been damaged or repaired. Lessee contends the vehicle inspection was done errorniously. OnXX/XX/XXXXAlly sent a letter asking me to sign an odometer statement and billed me for {$200.00} citing on this inspection " the left quarter panel had previous poor repairs and has orange peeling ''. The left quarter panel has never been damaged and the inspection photo does not exhibit any visible damage. I immediately contacted Ally to dispute the inspection and the billed charge. I discussed the lessee rights per the lease to allow for an independent inspection however I was informed by Ally that they sold the vehicle at wholesale auction for {$7700.00} immediately after the inspection. I explained should there be any alleged damage or flaw in the vehicle I would have had the collision repair shop that detailed it to fix it as they guarantee they 're work. I argued with Ally that know reputable body shop is going to leave some type of orange scratch or clearcoat peeling on a vehicle-nor would the insurance company allow for any inferior repair work. It makes no sense and I felt the inspector made an error in judgement or since they photo shows no close up or visible issue that they companies were acting in bad faith. The inspection and subsequent charges are false and frivolous. Ally could not provide proof of any repairs made. Ally has informed me via telephone they stand by the charge. They only charge to me is for the alleged quarter panel however the inspection cites charges for the rear bumper and hood however their own photos show no proof of any type of issue.
Product: Mortgage

In XX/XX/XXXX my roommate and I contacted Freedom Mortgage about completing an assumption because she was moving out. We are both owners of the loan and she wanted her name to be removed. They ignored us for two months and then told us to contact them by email with a request. When someone finally called us in late XXXX, XXXX they told us what to do, and we did it. We didn't hear anything back from them and on XX/XX/XXXX, we sent in a request to start a forbearance. When I asked again about the assumption process I was told that since I requested a forbearance I could no longer assume the loan and once the forbearance end we can start the process. Every time we called we were told something different. We got approved for forbearance in XXXX, XXXX and we were set to come out in XX/XX/XXXX. We did exactly that and the balance at the time was {$10000.00}. We received a letter on XXXX from the underwriter and nothing after that. I called Freedom Mortgage at least XXXX times a month and sent emails because we didn't receive paperwork about coming out of forbearance. In XX/XX/XXXX the balance was now XXXX, after multiple attempts to get answers we were told that the underwriter messed up some numbers and that our paperwork had to be redone. ( which meant no assumption ) We finally received our paperwork on XX/XX/XXXX and the balance was so high because of THEIR mistake that we were forced into a modification. We now have a deferred balance of XXXX. The company the balance went to in Oklahoma  is a company that doesn't answer the phone or emails and has no website. I was approved for funding on XXXX XXXX by the Texas  Homeowner assistance program they called Freedom mortgage a couple of times and they never sent the proper information and never responded to me or THAP and untimely I got denied for their lack of response and was forced to pay into the only option which was a modification for XXXX. I've tried everything to achieve an assumption and each time it was always something. I asked about paying the XXXX balance because that was the original end date and I keep getting told that I can't do that. They aren't doing anything to help me and all I'm asking is to have something that's already mine.
Product: Credit reporting or other personal consumer reports

I was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX