23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove any items that were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The Chase bank checking account XXXX was closed on XX/XX/2019 by my written request to the account officer XXXX XXXX , and she alleged it was done. 
But there were several unauthorized withdrawals totaling to {$670.00} from the closed account after XX/XX/2019. 
Chase bank even allows the funds to be withdrawn and proceeded to impose the payment on me. I sent Chase bank letters on XX/XX/2019 and talked to the account officer Mrs XXXX XXXX on XX/XX/2019 to demand corrections however the matter was neglected.
Product: Credit card

On XX/XX/XXXX, we had two loan disbursements. One in the amount of {$8600.00} to be applied towards our Citi Costco XXXX XXXX ending in XXXX. We had an additional disbursement for {$12000.00} that was supposed to pay-off another debt that inadvertently went to the same credit card. This was an error on behalf of the lender and not intended for the Citi card. I immediately contacted Citi Bank to let them know what had happened and that those funds needed to be refunded back to us. I stressed the fact that these funds were needed as soon as possible to ensure we did not have to continue to pay accrued interest. I was told that the request would be submitted, and they would do what they could to expedite the refund. 
On XX/XX/XXXX, it showed that a refund of {$12000.00} was issued in the Citi app. Additionally. on XX/XX/XXXX, we received a letter indicating the refund check was mailed and would be received in 10-14 business days. After the allotted time and no check, I contacted Citi again, I was told that I needed to wait a bit longer due to a potential delay in mail caused by the holiday. After waiting another 5 days, I attempted to call Citi Bank again. This time, I was told that the issue would be escalated, and I would receive a call from someone to assist. That never happened. 
Yesterday, XX/XX/XXXX, I called Citi Bank again. I explained again about the missing check and was told this time that they just re-approved a new check, and I would have to wait for it to arrive regular mail. I indicated that Citi have been in possession of my funds for well over 30-days and asked if the check could be expediated, I was told no. I asked if the funds could be deposited into my Citi account and I was told again, no. 
This experience has been very unsettling, and I am very disappointed in the level of service provided. I would not recommend Citi Bank and have every intention of discontinuing my relationship once this matter is settled and I am in receipt of my funds totaling {$12000.00}. 

Please feel free to contact me directly with any questions, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit card or prepaid card

I ordered groceries for delivery from XXXX on Sunday 4 days ago using my chime credit builder account XXXX processed the payment at XXXX and then wasn't able to deliver my groceries due to being short staffed so at XXXX the same day they notified chime that the purchase was canceled and authorized them to lift the hold on my funds. Chimes policy is a refund can take up to 7 - 10 days depending on the merchant but once the merchant processes it from their end it only takes 1-3 days for the money to go back into your account. XXXX processed it on Sunday it's now been 4 days and still no refund. Chime is telling me that they can see XXXX advised them on Sunday that the order was canceled but because it is still processing on their end they must wait for the transaction to be settled before they even begin their refund process. My issue is that XXXX didn't actually submit for a " refund '' XXXX says they submitted information that the order was canceled and authorized chime to LIFT THE HOLD on my money. Everyone I spoke to at chime agrees they can see what XXXX submitted and have confirmed it was recieved on Sunday but they still have to wait for the transaction to settle to begin the refund process ... XXXX gave them permission to lift the hold once chime recievrd that information the " transaction process '' should have been stopped it should no longer be a pending transaction so they could begin the refund process now they are telling me that it won't settle for 7 business days so that will be Tuesday then it could take another 7 days for me to get my money. Not to mention this is a credit builder account that works like a secured credit card I have to load or transfer enough money to cover my purchase and then chime transfers those funds into a secured account until the billing date at which time they use my money to pay off the balance for that month so XXXX essentially was paid as " credit '' and chime has my money sitting in a secured account and can see XXXX come firms I do not owe them this money I don't feel I should have to wait all this time to get my grocery money back and be able to buy food for my house
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 
XXXX  XXXX - XXXX - Verify this belongs to me. 
XXXX  XXXX - XXXX - Verify this belongs to me. 
XXXX - XXXX - Verify this belongs to me. 

Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : PERSONAL INFORMATION INCORRECT : Incorrect Name - XXXX XXXX XXXX- The personal data reporting is inaccurate. 

Incorrect DOB -XX/XX/XXXX- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX - The personal data reporting is inaccurate. 

EMPLOYER - LAZ BOY- The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 5th complaint all I'm asking is experian to do what they are supposed to d by law under the fair credit reporting act INVESTIGATE!!!!!!! 
I don't understand why it's so hard to have Experian do their Job!!!!! Its thats simple I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 TIMES!!!! Before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had submitted a complaint about XXXX XXXX with your company back in XX/XX/XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XX/XX/XXXX. Upon pulling my credit report Equifax is showing that I have two accounts with XXXX ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XX/XX/XXXX. I submitted a dispute with Equifax over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with XXXX changed again on my XXXX  report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XX/XX/XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that equifax has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint with XXXX and Transunion. XXXX  is reporting two bankruptcies on my credit file and I requested for XXXX to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with XXXX at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that XXXX  claims that they called is actually a disconnected number on my credit report. I would also like XXXX to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of XXXX XXXX or XXXX. I am asking XXXX for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX - First, you get a recording from phone number XXXX telling you to call the number above about a debt. I have called the number and they ask for a lady named XXXX. My name is XXXX and this is obviously the wrong number. I have called them times to ask them to stop but the calls keep on coming. 

PLEASE HELP AND MAKE IT STOP! 

Thank you, XXXX
Product: Checking or savings account

Overdrafted my checking account by about XXXX $ on XX/XX/22. Accidental payment. Was charged XXXX $ overdraft fee on XX/XX/22. Did not know account was overdrawn. XX/XX/22 receive automated email from bank that account is below set funds limit ( personally set funds limit to XXXX $ ). I was charged an overdraft fee before I had time to correct it and automated message was delayed.
Product: Mortgage

My home loan with XXXX Mortgage in XXXX state was sold to Selene Finance late in XX/XX/2022. My home loan with XXXX Mortgage ( loan # : XXXX ) did NOT have an escrow account for insurance and property taxes and is clearly indicated as such in the closing documents. After I received notification that Selene Finance bought my loan ( Selene loan # : XXXX ), I created an online account on their loan processing website. The online account showed my first payment for XX/XX/2022 as {$10000.00}, which was incorrect. My mortgage payment was only {$7300.00}. I deduced that Selene was adding an additional amount to my payment to cover taxes and insurance as-if my mortgage had an escrow account. At the end of XX/XX/2022, after a lot of effort, I was able to prove to Selene that my mortgage did not have an escrow account and had Selene remove the escrow account they incorrectly assigned to my mortgage, and had my monthly payment adjusted to the correct amount. Half of my XXXX XXXX property taxes ( {$15000.00} ) were due on XX/XX/2022, and I paid them in full on that date. Apparently, Selene Finance mistakenly also paid the same amount to XXXX XXXX towards my property tax balance in late XX/XX/2022, despite not having any escrow account associated with my mortgage or any accumulated funds to go towards these taxes. They have now just sent me an Annual Escrow Account Disclosure Statement dated XX/XX/2022 showing an escrow shortage of {$25000.00}, and adding {$4700.00} to my monthly payment, {$2500.00} to go into an escrow account that my loan closing documents clearly state does not exist on this mortgage, and {$2100.00} towards " Shortage Spread '' to make up for the taxes they mistakenly paid and that I have already paid. I have made XXXX attempts to get this straight through their customer service department with no success. Receiving this escrow statement now has caused me to file this complaint in hopes of getting some sort of resolution. It is not my fault that they erroneously paid my property tax from an escrow account that doesn't exist, and it is a breach of contract for them to force me into having an escrow account with a new inflated payment to cover their mistake. They need to retrieve their funds back from XXXX XXXX and remove this escrow account from my mortgage.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX is violating the Fair credit reporting act ( 15 USC 1681 et seq. ) as well as the Fair Debt Collection Practices Act ( 15 USC 1692 et seq. ) by furnishing inaccurate and incomplete account information and payment history to XXXX XXXX, the consumer, as well as all three credit reporting agencies which include XXXX, Experian, and XXXX. 

As of XX/XX/XXXX, all three credit reporting agencies ( XXXX, Experian, and XXXX ) are violating the Fair credit reporting act ( 15 USC 1681 et seq. ) by reporting inaccurate and incomplete account information and payment history on all XXXX of XXXX XXXX consumer credit reports and files. 

Ally has furnished to XXXX for partial account # XXXX : - XXXX XXXX ( XXXX potentially negative months of payment history ; varies from experian and XXXX ) - Monthly payment : {$860.00} ( varies from experian and XXXX ) - Status updated : XX/XX/XXXX ( ( varies from experian and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX  has furnished to Experian for partial account # XXXX : - Ally Financial ( XXXX potentially negative months of payment history ; varies from XXXX and XXXX ) - Monthly payment : NO MONTHLY PAYMENT AMOUNT REPORTED ( varies from XXXX and XXXX ) - Status updated : XX/XX/XXXX ( varies from XXXX and XXXX ) - Payment History start date : XX/XX/XXXX ( varies from XXXX and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING XXXX has furnished to XXXX for partial account # XXXX : XXXX XXXX XXXX  ( Unknown payment history ; varies from Experian and XXXX ) - Monthly payment : {$860.00} ( varies from Experian and XXXX ) - Status updated : XX/XX/XXXX ( varies from Experian and XXXX ) - Payment History start date : No Payment History being reported ( varies from Experian and XXXX ) - Balance : {$48000.00} ( does not reflect money received after sale of vehicle after repossession ) PLEASE SEE EXHIBIT A. XXXX BUREAU CREDIT REPORT WHICH INCLUDES ERRORS AND INACCURATE REPORTING The data furnisher mentioned above as well as all XXXX major credit reporting agencies are violating my rights as a consumer by furnishing and reporting incomplete, inaccurate, and outdated consumer credit information for XXXX XXXX partial account # : XXXX.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the accounts below. 
XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX
Product: Credit reporting

I requested this company provide me with sufficient documentation to support this debt indeed being mine. I requested a copy of all documents ( invoices, summary of receipts, payments, etc. ) The company sent the attached document which is a mere form sent to my insurance company. I have never did any business with this company nor have I ever heard of them. This item is erroneous and should not be reported on my credit report. 
Delete immediately.
Product: Mortgage

I was currently XXXX overseas as a XXXX XXXX  XXXX  XXXX XXXX XXXX. My house loan had recently been transferred from Chase Bank to XXXX XXXX. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with Chase Bank ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, Chase Bank, and XXXX XXXX   to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates ( list dates ) for XXXX XXXX XXXX XXXX XXXX XXXX this should not be late send proof now. 
Also, please pass this along. 15 USC 1681s-2 ( F )