23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX we submitted a full short sale package. No one answers the phone at the servicer. On XX/XX/XXXX we finally got through someone who said the package was received on XX/XX/XXXX, however, the file wasn't assigned or reviewed. It is our understanding that when a package is confirmed RECEIVED the servicer has 5 days to respond to us to let us know what is missing. It has been almost a month XXXX Loss mitigation procedures. 

We are filing a complaint because the servicer received a loss mitigation application request on XX/XX/2020. They are currently in violation of 1024.41 ( b ) ( 2 ) ( i ) - Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. The notice to the borrower shall include a statement that the borrower should consider contacting servicers of any other mortgage loans secured by the same property to discuss available loss mitigation options. 

As of todays date the servicer has not stated in writing whether the application is complete, incomplete or stated whether and or what additional documents are needed to complete the application.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found several inaccuracies. The Equifax credit bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX I checked my account and there was an available balance of {$800.00}. I checked later that evening and no transaction was posted. On XXXX XXXX, I signed into the account and realized I was - $ XXXX # XXXX was posted and that brought my balance to the negative. On my way to work, on the 31st, I stopped at Wells Fargo ATM machine, deposited {$360.00}. I called Wells Fargo customer service, explained that on the 30th there were no pending transaction for {$920.00}, I only say it posted the morning of the 31. The agents said she did n't see any over draft fee posted. Later on during the day, I got hit with over draft fee of {$35.00}. I called Wells Fargo explained to them numerous times, even spoke to a supervisor ( very rude and unprofessional ). All am saying it was n't my fault that I over draft, the check did n't show pending and I did n't see it pending on the 30th. I was told no. I think it is unethical the disgusting way Wells Fargo robs it 's customers. All am asking is to wave the fee or at least give half back. I am a struggling mom, trying to make ends meet. Very disappointed in the service.
Product: Credit card or prepaid card

I purchased a furniture from XXXX XXXX on XX/XX/2020 by my Chase bank credit card.The price was {$770.00}. The furniture supposed to deliver my home on XXXXBut due to Corona pandemic , all the shop in XXXX XXXX XXXX was shutt down from XXXXSo the furniture was not delivered.I was sick from XX/XX/2020 till XX/XX/2020 due to XXXX XXXX.After getting well I tried to contact with the merchant over telephone regarding the order but as shop was closed, I couldn't make contact with them.Luckily I had phone number of one sales person, to whom I called multiple times about availability of my furniture. But he was not able to give any information. So ultimately on XX/XX/2020 I dispute the charge. At first the Chase bank acknowledge the dispute and give back the charge amount, but after their initial investigation, they found the transaction was valid and they do not have any documents that show the furniture was not delivered.Then Chase bank reinstate the charge.At that time the shop is open, I talked to the owner, he said that the bank took the money back from his account and never given back.Now second time I redispute the charge by sending all the documents and details information what happened.Still on XX/XX/XXXX the bank send the notice that the transaction is valid and there is no billing error.I don't understand if the bank really contact with the merchant, he can said the furniture was not delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of the past week or so I have been getting letters from XXXX XXXX saying I tried to open up some account from there which I never did. This 100 % fraud and were not authorized by me. 

Actions I took was t called XXXX XXXX  directly and under the fair credit act for them to show me something I signed that would give them permission to look up my file. They had refused to show me any proof and sent me letters saying about applications I have no idea about. I even called there fraud department and explained I had not applied for anything from there bank. I would like this removed from my XXXX and equafix file as there was never any inquiry made by me to XXXX XXXX. 
. 
You guys can feel free to call me to further discuss. I'd be more than happy to answer questions. Like I had said earlier when I asked them to show me proof they were very rude on customer service and were like you did this over and over when I had assured them I did it and had no clue as to what they were talking about. I would just like this deleted from my file as it was not done by me. 

The date of the inquiry I am looking to have removed I believe Is dated XX/XX/19 as it has not yet appeared on my XXXX XXXX. But from there letters that seems to be the date which was clearly fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is my second request for details of the procedure you followed when investigating accountnumber [ account_name ] with [ bureau_name ].

I sent you a request for this informationand have received no responsePer the Fair Credit Reporting Act, a consumer may request a description of the procedure used todetermine the accuracy and completeness of disputed information. It also states that the creditthe bureau shall provide a description of such investigations within 15 days of the consumer 's request.

It has been well over 15 days which means that you are in violation of the FCRA.To avoid further action, please forward to me a description of the procedure taken in order todetermine the accuracy of the account number [ account_name ] including but limited to, the nameof the creditor, along with their address and phone number. 

Also, I want to know who you spokewith and on what date. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit reportalong with the description of your investigation.
Product: Credit reporting or other personal consumer reports

There is an account from Bank of America on my credit report that is not mine, it's a fraud account. I'm a victim of identity theft, so please help me to remove this fraudulent account from my credit report. The fraud account is the following : BANK OF AMERICA XXXX Date opened XX/XX/year> Balance {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the the 3 Credit Bureau 's after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Addresses : Accounts : Inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this account will be updated soon. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I request that the unauthorized inquiries be removed immediately from my credit report. Enclosed/Attached are copies of my credit report highlighting the disputed inquiries, along with any relevant documentation such as the FTC report ( if you have a copy or reference number, include that here ).

Please investigate this matter and inform me, in writing, of the action that will be taken regarding these inquiries. I would appreciate a prompt response to this issue and the removal of the inquiries to rectify inaccuracies in my credit report. 

Thank you for your prompt attention to this important matter. Should you require further details, please do not hesitate to contact me directly. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Debt collection

The company Allianceone Receivables in XXXX XXXX Ca intercept funds from my tax return XX/XX/XXXX illegally from an account they said it existed since XX/XX/XXXX. The amount intercepted was {$590.00} to which they provided absolutely no information but a bogus account number from the Superior Court of California which it does not exist. The supposed account number is # XX/XX/XXXX. I called Allianceone and they were been very rude and requested me to provide them with any type of receipt that the account had been paid which i do not have. They failed to provide any information other than that. I called the Franchise Tax Board of California and they could not provide any information regarding any intercepts. I am calling the Office of the City Attorney today to submit a claim against this company due to wrongful debt collection. this company is committing fraud an no one is doing absolutely nothing about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At XXXX point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.
Product: Credit reporting or other personal consumer reports

I was about to purchase a XXXX XXXXXXXX XXXX and I wasn't happy with the deal or the interest. They became very aggressive & unprofessional at the end and I left with out signing the last document of sale. They proceeded to run over 8 hard inquiries to damage my credit score. The dealer ship name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX once you take a look at the 1 star reviews you will see a pattern of aggressive abusive behavior.
Product: Credit reporting

ATTN : EQUIFAX I WOULD LIKE TO KNOW WHY YOU ARE CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT? AS I HAVE DISPUTED THE FOLLOWING INACCURATE PERSOANL INFORMATION WITH EQUIFAX BEFORE, AND ACCORDING TO THE LETTER THAT I RECIEVED IN THE MAIL DATED XXXX XXXX, 2016 CONFIRMATION NUMBER # XXXX IT CLEARLY STATES THAT THE DISPUTED ITEMS ARE NO LONGER REPORTING ON MY PERSONAL CREDIT FILE! I HAVE RECEIVED MY FULLY UPDATED COPY OF MY EQUIFAX CREDIT REPORT, AND THE DISPUTED ITEMS HAVE BEEN REINSERTED BACK ON TO MY PERSONAL CREDIT REPORT, AS YOU EQUIFAX ARE IN FACT NO DOUBT AWARE THAT THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT, BY EQUIFAX CONTINUING TO REPORT INVALIDATED, INACCURATE, DISPUTED PERSONAL INFORMATION ON MY PERSONAL CREDIT REPORT! 
THE FOLLOWING INACCURATE INFORMATION SHOULD NOT BE BEING DISPLAYED ON MY EQUIFAX CREDIT REPORT, WHICH I HAVE LISTED BELOW FOR YOUR REVIEW : XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED : XXXX XXXX CO XXXX- REPORTED XXXX XXXX CO XXXX- REPORTED XXXX THE INACCURATE ADDRESS INFORMATION WAS DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED IT BACK ON TO MY PERSONAL CREDIT REPORT, THIS IS A DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT! THE FOLLOWING INFORMATION LISTED ABOVE SHOULD BE COMPLETELY REMOVED FROM MY PERSONAL CREDIT REPORT AS SOON AS POSSIBLE! 

XXXX XXXX THESE INACCURATE TELEPHONE NUMBERS WERE DELETED FROM MY EQUIFAX CREDIT REPORT ON XXXX XXXX, 2016, THEN EQUIFAX RE-INSERTED THEM BACK ON TO MY PERSONAL CREDIT REPORT, AS I AM SURE THAT EQUIFAX IS IN FACT NO DOUBT AWARE THAT THIS IS A KNOWINGLY AND DIRECT VIOLATION OF THE LAWS. THIS INVALIDATED, INACCURATE PERSONAL INFORMATION SHOULD BE COMPLETELY REMOVED AS SOON AS POSSIBLE, FAILURE TO DO SO COULD RESULT IN {$1000.00} DOLLAR FINE PER UNDELETED ITEM. 

( PLEASE REVIEW MY SUPPORTING DOCUMENTS )
Product: Mortgage

Application has been submitted along with requested documentation. Our income consists of IRA annuity income from a qualified contract which we have been receiving consistently for the past 6 years without deviation in the amount of our payments. We previously had a mortgage with Bank of America that was paid off in XXXX of 2024 and approved by them using the same income as now submitted. Now they will no longer accept this type of income stating 'due to bank overlays ' which tells me nothing. I believe this is due to our ages and term of the requested mortgage ( 30 years ) .The only explanation they will provide is 'due to bank overlay ' but they may be able to do the loan by changing the terms, ie, put more money down or buy down the rate which is unacceptable to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The status is incorrect for the following account XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : 1. XXXX Date of inquiry : XX/XX/2021 2. XXXX Date of inquiry : XX/XX/2021 I contacted those who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank You, XXXX XXXX
Product: Checking or savings account

I was under the influence I was recieving my check of {$1000.00} on Thursday XX/XX/year>. When I go to check my Capital One 360 checking account I see my check has yet to be deposited. I then make a phone call to Capital One Customer Service, numerous attempts went by with disconnections or errors. Until XXXX last try I was about to connect with a representative XXXX who explained there are technical issues within XXXX the companies service providers and they are working on a solution to the problem. He apologized for the inconvenience to then explain that I should be hopefully receiving my check if not by the end of the night that Thursday XX/XX/scrub>, 2025, then by Friday XXXX XXXX, 2025 XXXX. XXXX then gave me the recommendation that if I do not receive my check by Friday XXXX XXXX, 2025 morning to give a call to Capital One Customer Service to help resolve my issue. So come Friday XX/XX/scrub>, 2025 at around XXXXam, I give Capital One Customer Service XXXX XXXX XXXX Which then I go through the automated security system to speak to a representative. After an exact XXXX holding period, I finally get ahold of a representative and explained to them my issue to be told that the technical issues still have not been resolved. To now wait until Tonight Friday XXXX XXXX, 2025 to hopefully receive my check of {$1000.00}.
Product: Checking or savings account

I was charged overdraft fees, although I deposited money to cover the fees before the pending charges were processed.
Product: Checking or savings account

Citibank made a big announcement about how they were not going to charge overdraft fees and then charged me for XXXX. {$130.00}. Right now I am on a small pension and {$130.00} is XXXX of my income. or XXXX. 

I asked Citibank to refund the fees and they refused saying this was going to take effect sometime in the future but not right now. This sounds a whole lot like bait and switch to me. Also why does Citibank hire people XXXX to deal with American customers. When I am struggling to understand what they are saying I am not getting helped. Not a XXXX, not even an American but not sure why their customer service is in the XXXX 's. I really suspect that I just get mocked when I deal with their customer service.
Product: Credit reporting or other personal consumer reports

Experian Identity Works emailed me several alerts about my XXXX being exposed from the recent XXXX XXXX XXXX person data breach. In looking through the alerts from Experian, XXXX of the alerts showed my compromised SSN with the name and address of someone else, definitively not me. Since this information likely came from a credit application, I am concerned about fraud. The person named is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and there's a phone ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is many of several. I just did this a few weeks ago only for all XXXX  credit bureaus to still keep this accounts on my credit files. 
I would like to also mention that Experian lied in the response back from my prior complaint that they have removed all from my credit file and that is not true all XXXX fraudulent accounts are still on my credit files. They all have my credit usage very high as well due to these fraudulent accounts. 

The creditors even sent letters asking all XXXX bureaus to please remove the accounts from my files as they are identity theft! 

XXXX XXXX XXXX XXXX  SHOULD BE DELETED FROM MY CREDIT FILES XXXX XXXX XXXXXXXX XXXX XXXX SHOULD BE DEPETED FROM MY CREDIT FILES XXXX XXXX XXXX XXXX XXXX XXXX SHOULD BE REMOVED FROM MY CREDIT FILES! 

THIS IS TANISHING MY CREDIT! 

EXPERIAN, XXXX AND XXXX HAVE AND WILL NOT TAKE THESE ACCOUNTS OFF MY FILES. THEY SIT ON MY FILES AS CLOSED IN BAD STANDING POLICE REPORT, CFPB COMPLAINTS, LETTERS FROM THE CREDITORS ETC HAVE BEEN SENT TO THE BUREUAS THE CREDITORS ASLED THAT THESE ACCOUNTS BE REMOVED COMPLETELY FROM MY CREDIT FILES XXXX AND XXXX HAVE TONS OF INQUIRIES THAT ARE NOT MINE AS WELL ON MY CREIDIT FILES!