23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was paid in full to Dovenmuehle in XX/XX/XXXX and they stated the cut the escrow refund check XX/XX/XXXX and mailed it the same day. After waiting a couple of weeks, I called and let them know that I had not received the check and they informed me that I would need to wait for a for 30 days to call and request another text to be cut. I called back on XX/XX/XXXX to do this and I inquired with a customer service rep about my unit number being on the mailing address. She said that it wasnt noted, took my unit number down and said she added it and I should receive my new check no later than 15 business days.

It is now business day 17 and again I have not received the check. I called them again to confirm and ask if they had a tracking number or could send me proof that the actual check was cut and they kept telling me that there was nothing they can do once the check has been mailed except to wait 30 days and repeat the process of canceling the previous check and issuing another one. This is about to be the third time Im calling to request my escrow refund check and it has been almost 3 months since XXXX XXXX XXXX has paid them in full. They had no issue accepting the {$200000.00} plus pay off check from my new mortgage servicer however when the time comes to issue me my {$2000.00} refund check, they are giving me the runaround.
Product: Credit reporting or other personal consumer reports

My credit report shows {$21000.00}, {$12000.00}, and {$10000.00} as being owed to EdFinancial. My only current loan would be the {$21000.00} XXXX. I reported a complaint previously to EdFinancial but the loans were saying they were XXXX XXXX XXXX at the time so EdFinancial said the balance was correct.
Product: Debt collection

NCA never mailed me anything is writing of collecting my debt. I sent them payments and never recieved a reciept.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 It was just like a normal day. I went to chase bank to do a domestic wire transfer. An employee from the bank did the job for me.he verified me identity and he went ahead and made the wire transfer. The money was supposed to show up on my other account XXXX XX/XX/21 as it was indicated on the receipt that was given to me by the employee at the bank. On XX/XX/21 I went to the bank asking them why my money is not showing up my other account and why the delay. They didnt have any idea on how to help me. And I came to realization that chase has hold my money to verify my identity. I went to the bank once gain on XX/XX/21 to see if someone from the bank can talk to the wire transfer department and they can verify my identity. Unfortunately they couldnt get through to the wiretransfer department and it was like an hour we were calling them and it was almost closing time of the bank and they told me to come back next day we can help you. I came the next day. They couldnt get through the wire transfer department. So I was frustrated by the whole thing going on. So I went home and went to my chase online banking app. And sent out my documents through secure messages. Just to see if someone can verify my identity. At this point I was really needing my money because of medical emergency issues. And chase was delaying my money for no reason at all. A banker verified my identity when I was sending the money to myself but to a different bank. So I dont get why I need to verify myself again. And on top of that no one from the chase bank was able to solve my issue for a whole week. And now its almost XXXX weeks and I still dont have any information about my funds and chase secure message isnt providing me any information about my funds.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXXXXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX/Experian consumer report Dispute Student Loans Student Loans amounting to XXXX of 8 accounts The current status of my account is not correct It states that I have late payments as of XXXX XXXX, 2022, that is not true. I have deferred the payments and have no payment due, see attached documentation from XXXX. There is no payment due. 
Can you remove the late payment tag? 

I have attached a copy of my report with the accounts in question below. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I viewed my Credit report and there are Inquiries From Equifax that are not mines. I filed an identity theft report because they were not authorized by me. There are inquiries from XXXX XXXX that were not submitted by me. My only address should be the address that is submitted on my Identification. I have attached a copy of my state ID for identification and address validation. There should not be any other addresses on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted The XXXX  XXXX more than one also contact the consumer reporting agency to get the issue resolved. XXXX  XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX  XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the XXXX  XXXX has written about me and also the response of XXXX  XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The XXXX  XXXX removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

XXXX  XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The XXXX  XXXX is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A XXXX  XXXX reporting wrong information Exhibit B XXXX  XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )
Product: Debt collection

I have had fraudulent charges made to XXXX XXXX XXXX under my name. Credence Resource Management claims to own the debt. I contacted XXXX XXXX XXXX and asked about charge offs. Per XXXX XXXX XXXX, they do not sell their debt and they use a company called XXXX XXXX to help recover any debts. I do not recognize Credence. They have multiple addresses and the address on my XXXX credit report is incorrect. I sent a certified letter with return receipt to their XXXX location and it still has yet to be delivered. I am not certain there is a legitimate business at their XXXX XXXX supposed location. Credence had XXXX alleged debts for me from XXXX XXXX XXXX and XXXX of them had to be removed from my credit report because they could not prove the debt was mine. I believe they are trying to collect on the other account they claim I owe fraudulently like they did before. This company should be investigated for deceptive and untrue claims. They should also be investigated for their right to even collect debts as I think this is a scam company. I filed a FTC Identity Theft Report and plan to file a local police report this week.
Product: Debt collection

onXX/XX/2019, I sent MCM a debt validation letter which stated that they must cease contacting me by way of phone, and that the only acceptable communication was through mail. On XX/XX/2019 they sent me back a computerized letter, without a wet ink signature, simply stating that the debt had been validated as accurate. Nothing more was provided, and therefor they are in direct violation of FDCPA laws. On XX/XX/2019 I replied to this letter in which I stated that they are to cease and desist all contact except by way of mail and that the debt needed to be accurately validated, per the laws set forth for collection and collection agencies or the debt needed to be deleted immediately from all CRA reports immediately as they did not validate it within the 30 day given time frame. On 04/03/2019 I received an email from MCM contacting me about the alleged debt. This is a direct violation of federal law, FDCPA ( XXXX XXXX. XXXX to XXXX )! I will take further legal action if necessary if my demands set forth in myXX/XX/XXXX letter are not met expediently
Product: Credit reporting or other personal consumer reports

RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX XXXX Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian representative told me I had to contact each company myself to get 7 fraudulent/unauthorized inquiries removed from my credit report. Fair credit reporting act states that the burden of proof belongs to the credit bureau. That means that by law, he should be the one to prove the data I have disputed as legitimate and if he cant then it must be removed from my report.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have contacted each bureau and identified my information, yet they have not been willing to remove these accounts like I have asked. I need these fraudulent accounts removed EXPEDITIOUSLY.
Product: Credit card or prepaid card

I closed the credit card ending in XXXX account back in XXXX, 2022 ( A screenshot attached ). HOWEVER, as of today XX/XX/2022, I received the statement and was charged for the annualized fee in the amount of {$65.00}. 

TERRIBLE!! When my account was closed, I made overpayment, leaving my balance XXXX XXXX XXXXwhich means OneMain XXXX  card should have issued the {$5.00} check TO ME. However, now I see that I need to pay the annual fee for the card that I closed XXXX months ago??? 

I called the customer service and it doesnt let me connect with the representative since I dont know the card number anymore! 

PLEASE REVERSE THE ANNUAL FEE AS SOON AS POSSIBLE AND ISSUE THE CHECK IN THE AMOUNT OF XXXX XXXXXXXX WAS THE FINAL CREDIT ON THE LAST STATEMENT WHEN I CLOSED THE CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien # XXXX 3. Lien # XXXX.
Product: Debt collection

I recently filed a dispute against Santander Consumer USA due to my repossession still being on my credit report. They instead closed the account when it should have been removed and when I called XXXX and asked if it were still closed they told me no. They were recently involved in a class action lawsuit due to them being in violation of the XXXX Code which my account was involved in and there was a judgement passed that if there is any derogatory information including late payments and repossessions must be removed from my credit report. So I would like for this account to be removed from my credit report effective immediately.
Product: Credit reporting or other personal consumer reports

I ask this company for a investigation on this XXXX XXXX  account as this account was part of a Data breach.My information was complomised. I filll out a affidavit from FTC that I am attaching.
Product: Prepaid card

Rushcard has refused to release my money from my direct deposit for over a week now. I spoke to numerous reps and none of them have a answer on when i will recieve my money. This has caused a hardship for me and my family. Its my money and they have no right doing this. Please help me for my pain and suffering by loosing mote money by not being able to get to work.
Product: Bank account or service

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, natural person have attached my FTC report, IDENTIFICATION, I AM DISPUTING ON MY OWN, NO ONE IS HELPING ME IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted "
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the companies, dates, and bureaus these unauthorized inquires are appearing on! I have reached out for MONTHS now to have these removed and they were only removed on equifax. Please remove these inquires off of ALL remaining bureaus! My information was also impacted by the XXXX  data branch and may have got into the wrong hands so I take my report very seriously. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX New XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX XXXX  All Banks XX/XX/2020 Experian XXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX Auto Dealers, Used XX/XX/2020 Experian XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/2020 Experian XXXX XXXX XXXX  XX/XX/2020 XXXX  XXXX Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX  Finance/Personal XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, New XX/XX/2020 Experian