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

In XXXX, my husband and I were applying for a home loan. I told the lady looking into it that my credit was already ran for a hard inquiry for XXXX   and she explained to me that it would not show up on my credit as a hard inquiry but it did and I would like to know what I need to do in order to remove this from my credit report. You will see two inquires as hard on XX/XX/XXXX. If I would have known that it would in fact show up as hard, I would have not let her run it because I already let XXXX run it and knew what I was working with.Both these items will be off my credit report on XX/XX/XXXX. But I would like to take care of this one earlier by credco if possible. 

Thanks!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX Here is the item I am asking you to verify as accurate.
Product: Mortgage

We purchased a XXXX property on or about XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). This property had a loan ; the loan was sold ( any time ) and ended up with. 

On XX/XX/XXXX, we updated our mailing address with the XXXX XXXX appraisal office. We have been at our current address since XX/XX/XXXX in California ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) We sold the XXXX property on or about XX/XX/XXXX. The mortgage balance was paid, and we received a settlement check. 

On XX/XX/XXXX ( 4 years after the sale was finalized ), we received a letter about an escrow fund that the Community Laon Servicing has helped us with since XX/XX/XXXX. I contacted them on XX/XX/XXXX ( XXXX XXXX at XXXXXXXX XXXX  and XXXX at XXXX ) to get clarification on 1-how come we did not get the funds, 2-where were no attempts made earlier to resend the check ( as they claim it was mailed out ) and 3-what would be the easier way to get the funds.

The summary answer was to complete the form, and the check will be mailed out 6 to 8 weeks after XX/XX/XXXX ( this is not a typo ). I Was also informed that the funds are held in an interest-free account. The agent I spoke to on or about XX/XX/XXXX just verbalized what was on the letter. I requested to be transferred to their legal department or a supervisor and was told they were busy. 

The Community Loan Servicing has been sitting on the funds owed to me ( and perhaps many other people 's funds ), collecting interest and not releasing them in a timely fashion. 
1-They made no attempts to resend the check ( after initially, supposedly mailed out ) 2-Clearly, there are no audits in the process to identify what happens to unchecked cash that stays on the books of a bank for over 4years 3-they provide no accountability for what the funds have generated 4-they office has no interest in holding the funds 5-they fail to distribute the funds in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS, and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate, and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. Equifax reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i am writing this affidavit to inform that i have been a victim of identity theft and i am just now figuring out how to resolve this issue and restore my credit. During Covid -19, I noticed a dramatic negative change in my credit report. At the time, i was facing a financial hardship and did not have the resources to find Identitytheft.gov or review my scores again until now. I have counted over 30 wrong addresses listed with experian ; 15 potentially negative items from unauthorized creditors such as, 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. As well as over 6 incorrect spellingsversions of my name. One creditor shows someone named XXXX  that i dont know as a Spouse or co-applicant. I have well over 11 hard inquiries and 25 soft inquires that i did NOT authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Mortgage

This complaint is against Penny Mac Loan Services. 

Last year my house flooded due to a pipe break caused by a storm. At the time the insurance company underpaid the insurance claim by over {$60000.00}. It took a year to get resolved but we finally got a settlement for {$32000.00} on XXXX XXXX XXXXXXXX. On XXXX XXXX XXXX I called Penny Mac to state we received our settlement amount and that we had completed all repairs. At this time we were currently going through mortgage modification. 

I called in on XXXX to inform Penny Mac that we have a settlement but no checks yet. I asked to have an inspection on the home since we completed all repairs on the home. At this time I was told they could not send out an inspector until we received the checks. At the time I joked and said " I hope a storm does not come through and redamage the home. '' Hurricane XXXX hit and damaged the home with rain water intrusion and broken windows. I received the insurance checks on XXXX. I contacted Penny Mac about releasing the funds to me. It was denied because they wanted to do an inspection. I told them the work had been completed already. 

I have been having weekly conversations about the exception to have our check endorsed. Penny Mac was inconsistant with the needed documentation. We provided everything we could over a 30 day period. Finally on XXXX XXXX we were told that we can get the check endorsed as long as we sent over the settlement documents and the check with a prepaid envelope. We followed the instructions but this was just a ruse to get us to send in the check. Once we sent in the check we were told that it was not going to be endorsed and sent back. That the funds would be paid out AFTER ALL THE NEW DAMAGE WAS REPAIRED. 

Because they told us that they were going to endorse and send back the check immediately we moved forward on other options within our home and used reserve funds to get things completed. Now it could take months or years to get our money back from the bank. 

This is currently causing a loss of {$14000.00} per day for my business because I do not have the funds that should be mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX XXXX credit fraud department called me and requested that I confirm my identity. I refused as banks do not usually call someone unsolicited. I told person that I would contact XXXX XXXX directly after verifying that the phone number is factually XXXX  XXXX fraud department ( XXXX XXXX ). I called them back and learned that someone had applied for their silver credit card on line using my social security number and birth date. I informed them that I did not apply to XXXX XXXX for any form of credit and that this was fraud/identity theft. I then checked XXXX, Equifax, and XXXX to discover that there was a hard inquiry from XXXX XXXX on my credit reports. This has been disputed and resolved at XXXX but Equifax and XXXX continue to show this XXXX  XXXX inquiry. An unknown address and phone number from the XXXX are was also shown by 2 of the credit agencies, which was disputed and removed. 

XXXX did state today that the thief did use my actual name ( without middle name or initial ), my social security number, my birthdate, but the unknown to me : address of XXXX XXXX XXXX XXXX, XXXX IL XXXX and the phone number ( XXXX ) XXXX " This is the same phone number and address that was disputed and removed from my credit report. 

I searched the phone number and address on line and found many numerous names associated to that specific ph and address information that seem to want to appear American yet the spelling oa say atypical American name seems foreign say some XXXX  or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to misreporting information, The inaccuracies should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. I want you to correct this misinformation on my file 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$310.00}, XXXX  XXXX Balance Owed : {$770.00}, XXXX XXXX XXXX Balance Owed : {$670.00}, XXXX XXXX Balance Owed : {$310.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX
Product: Debt collection

I have attached documentation of XXXX stating they did an investigation and deleted the collection XXXX XXXX XXXX items from my credit report.
Product: Debt collection

XXXX separate transactions occurred on a XXXX debit card connected to my XXXX XXXX XXXX account. Despite all XXXX transactions being investigated by my bank 's fraud department and their acceptance that these transactions were indeed fraudulent, XXXX still held me liable and sent the amounts to collections creating XXXX negative and completely unjustified negative accounts on my report. Furthermore, despite providing records and all of the information to both XXXX and the debt collector, Northland Group, they have refused to delete the fraudulent transactions/accounts and continue to hole me liable. I was under the impression that Target had accepted those liabilities nearly a year and a half ago when I provided XXXX XXXX XXXX 's documentation/resolution. Because I believed this issue had been resolved, all documents pertaining to the stolen card were shredded. It was not until I was denied credit for having these accounts on my credit report that I became aware that they were negatively impacting me despite not being mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I try to logon to my MyEquifax.com account it gives me an error message, I am unable to access my Equifax credit report for about 4 months. I have given Equifax multiple calls and emails to their support team about the issue, but no one gets back to me.
Product: Checking or savings account

I tried linking my bank account via XXXX  and it keeps denying me access to my own account to make the payment and now Im being charged XXXX in late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a {$55000.00} credit on my Capital One Venture Card. It hit my card on XX/XX/XXXX. I requested a check on XX/XX/XXXX. To date they have failed to issue me a check for the credit balance. I have had numerous phone calls with Capital One. Each time they tell me a different time period I have to wait for my request. It started as no wait time, then went to 5 days, then 15 days. I still have not been issued a check for my credit balance. The customer service representatives have been unable to provide any reason for the hold up or give me any expectation as to when I will receive my check for the credit balance.
Product: Debt collection

I first received a text message on XX/XX/2020 from a phone number of XXXX, asking me to Contact Convergent Outsourcing Inc at XXXX regarding my XXXX XXXX Account. The message also stated it was a n attempt to collect a debt. I contacted XXXX, immediately afterwards and was told I do not owe them any money. 

Someone named XXXX XXXX called me a few days later stating she was with Convergent Outsourcing, and t he purpose of her call is an attempt to collect a debt, and asked me to verify the last four of my phone number. I relied to the caller, I will not, and that the call is a scam, and ended the call. 

I called XXXX again, and was told I do not owe them a balance. 

I received a letter in the mail dated XX/XX/2020, stating I owe a balance of of {$63.00}. The letter had the address of the collection agency as XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX, XXXX, WA XXXX I contacted XXXX on XX/XX/2020, and eventually spoke with a supervisor. He attempted to contact the collection agency by phone at XXXX and while we were all on a three way call, the same person who contacted me stating their name was XXXX XXXX was on the line, and stated she was not able to access an account for me, with the account number, reference number, or phone number provided, then she stated, she could not access the account because she is having computer issues. We ended the call. On Monday XX/XX/XXXX, I requested a credit freeze on all three credit reporting agencies. Something is wrong here, and it needs to be resolved. I have my account statements that show I do not owe a balance.
Product: Checking or savings account

I was scammed out of {$2700.00} by about this moving company I was sent an email told to click on a link and pay that amount as a deposit. Turned out not to be a removal company at all and I never received any service. I reported this to Bank of America but they said since they authorize the transaction they will not refund me. This was a fraudulent scam and I am an elderly female and have been scammed Im on XXXX and can not afford to lose this much money so I need help
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit card or prepaid card

I traveled with a friend to XXXX and XXXX  in late XX/XX/2018 and stayed at an XXXX apartment in XXXX XXXX ( 4 nights booked ) and at an apartment in XXXX, XXXX ( 5 nights booked ), and I paid for the entire expense on my Chase credit card, which carries trip interruption insurance benefits. My friend reimbursed me for half the lodging expense, as we were splitting the cost of lodging 50/50.

Two days into the trip, I received word that my mother had suffered a XXXX and was in XXXX XXXX in a XXXX hospital. I rushed back from XXXX  to XXXX ( where I live ). I used only two nights lodging at XXXX XXXX and none of the lodging in XXXX XXXX.

I reviewed the Guide to Benefits published by Chase for my credit card and qualified under the criteria for a trip interruption claim. I claimed half of my expenses for the unused portion of my lodging ( i.e., I made a claim for half the expenses of two nights ' lodging lost in XXXX and half of 5 nights ' lodging in XXXX ).

Chase Card Benefits denied my claim, stating that because my travel companion used the lodging, I was not entitled to reimbursement of my share of the expenses. They cited a provision in their plan of benefits stating that Chase would " reimburse for the unused non-refundable land, air and/or sea arrangements, '' stating that because someone in my party used the lodging, they could not reimburse my claim.

I was the insured, a qualifying event caused my trip interruption, and my portion of the apartment that i paid for was " unused '' by me, the insured There is nothing in the Chase Guide of Benefits that imposes an additional requirement on me to prove that no one in my travel party used their portion of the shared accommodation. Chase has denied my insurance coverage in bad faith by imposing additional conditions to my making a claim that are not included in their Guide to Benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/, to update this misleading information. I think you have not validated these accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Money transfer, virtual currency, or money service

Went to Citi Bank in XXXX XXXX with wife and {$500000.00}. dollar cashiers check from XXXX XXXX XXXX. Wanted to open two {$250000.00}. XXXX 's, After waiting for 45 minutes for paperwork it turns out they can not take one cashiers check to fund both accounts!!!!!! 

Next day got two {$250000.00} dollars cashiers from XXXX XXXX XXXX  and again they would not take checks because they were both in my name and they couldn't except my check to open my wife 's account. I am a senior citizen with years of banking and never heard of the above! I We were the only white people in the bank on both visits and maybe XXXX profiling! 

Went across the street to XXXX XXXX and they took our money for both accounts and gave us a better rate.
Product: Checking or savings account

On a few ATM machines there have been times where I havent received the money but it was shown withdrawn from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance receive the Court documents that this was discharge and they are still reporting charge off on my experian report i disputed this acct multi times and provided document i even ask for proof of acct and nothing i provided my documents and i spoken to both the creditor and wold finance