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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be DELETED accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am behind in making my monthly payment to Capitol One Credit Card. On 5 previous occasions, I have requested they not call me at work. It is against company policy to receive " personal '' calls at work. I have received XXXX written warning for receiving multiple calls from Capital One in a 2 week period. Calls at my place of employment were received from them on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. I verbally requested they stop calling me at work each time they called with the exception of XXXX/XXXX/16, on this date, I was chatting with them their web page and specifically asked them to stop calling me as I had been written up for personal calls. Again, today, XXXX/XXXX/16, I started receiving calls at work from them. I will AGAIN ask them not to call me at work but I would appreciate some guidance in getting this stopped. I would also like to mention, the on a daily basis, I receive 2 to 3 calls from them on my cell phone. I feel like I am being harassed by this company and desperately request your help in getting this stopped.
Product: Money transfer, virtual currency, or money service

This involves Cash App Someone used my phone to received their authorization code to open up a Cash App account. I want the acct closed I do not have a Cash App acct myself and do not wish to be associated with one I have called repeatedly but no live person I have emailed repeatedly but they do not get the issue I believe this went down XX/XX/13
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXXBalance : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXXBalance : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}
Product: Mortgage

Valon collected escrow funds for an insurance policy it had no intention to pay. 

Our mortgage was sold to Valon in XX/XX/XXXX. Shortly thereafter, they paid our homeowners insurance and earthquake insurance premiums out of escrow. Our XXXX, XXXX, escrow analysis was calculated to cover earthquake insurance, property insurance, and county taxes. 

On XX/XX/XXXX, I emailed a copy of the yet-to-be-paid earthquake insurance bill to Valon. On XX/XX/XXXX I called to make sure it was going to get paid since it was due on the XXXX. I was told unequivocally that they would not pay the earthquake insurance premium because the insurance wasn't a requirement of the original mortgage. They could not explain why they paid it in XXXX or why they had been requiring escrow payments for a bill they had no intention of paying. They refused to make an exception as they seemingly did in XXXX. 

At no time was I informed that they would not pay the earthquake insurance in XXXX. Based on the fact that they already paid it once, they were billing me for it, and our previous servicer had no problem paying it, it was reasonable for me to believe that they would pay it this time. In fact, their FAQ at XXXX XXXX XXXX says " If you have an escrow account for your tax payments and/or insurance premiums, the account will transfer over to us. We will continue collecting these funds and making the payments on your behalf. '' That seems pretty clear to me. 

Had they informed me that they would not pay it, I would have put the money aside to pay it myself. In the end, I was able to get them to request a refund out of escrow so I can do just that. Apparently this is in process and I should get payment in a week or XXXX. 

I am filing this complaint because I want to protect other consumers from Valon 's deception. They need to reform their escrow analysis so that they aren't collecting money unnecessarily. They need to inform consumers about this policy, especially when coming over from another servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXXXXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE
Product: Credit reporting or other personal consumer reports

Request for Removal of Fraudulent Accounts Due to Identity Theft I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit 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 XXXX XXXX XXXX XXXX XXXX These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts. 
Thank you for your time and assistance.
Product: Credit card or prepaid card

I've had my American Express credit card since XX/XX/2015. Since then, I have never missed or been late on a single payment. Most of the time, I pay my card of completely. Last month, I received notice that American Express was decreasing my credit limit from {$30000.00} to {$3900.00}. This has caused my financial outlook and security to be completely diminished as well as hurting my credit score. I contacted American Express to try and get my credit limit brought back to the original limit to which no one I spoke with would provide me any help whatsoever.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX Charge-off {$15000.00} XXXX XXXXXXXX XXXX Charge-off {$4200.00} XXXX XXXX  XXXX Charge-off {$5100.00}
Product: Checking or savings account

As previously stated in my previous complaint, Citibank is still Holding my money hostage, they ask me to come into the branch which I did. I show them my letter from social service administration office verifying my funds they then said to bring in my business documents which I did on XX/XX/XXXX. They unlock my account the next day n ship me a new card. I receive the card yesterday ( XX/XX/year> ) I activate the card and went to go withdraw money which I couldnt. I was told to contact Citi bank which I did n then I was told my account is under review. Like what? Its been over a month since I have the account and been dealing with this issue, why is it now my account is under review when I just did so much back and fourth. This is non sense and it is literally breaking my body and faith down. My XXXX  is out the roof because any second I could get evicted. Its like Citibank want me to XXXX XXXX so they could keep my money and if this keep up that though might just become reality. 
I was told its on a Citibank special team account review like this is ridiculous and if anything happen to me please hold citi bank accountable and its in writing for public records. My lawyer also have copys of all my emails n complaints being sent to Citi bank Citi bank executives case # XXXX
Product: Credit reporting or other personal consumer reports

Theres information on my report as Im affected by the XXXX data breach. Please check the information involved in the XXXX data breach. I have attached my documents below.
Product: Debt collection

COMENITY BANK AND XXXX XXXX have not taken my dispute requests seriously. I have disputed this account over 4 times this year in 2019. I have not received ANY validation documentation as asked. I have NOT gotten any responses from them aside from updating my account on with DISPUTE RESOLVED CUSTOMER DISAGREES. 

I am asking for completed validation of this account and if this can not be completed within the next 30 days I want the account removed from my credit file and never added back again. I have expressed concerns that this is NOT my debt and it seems to be falling on deaf ears. 

Any help in this matter will be appreciated.
Product: Checking or savings account

Wells Fargo called and informed me that I had 10 days before my account closed due to fraud with another bank but I have been with Wells Fargo for years now and just opened a new account. Im not sure what has happened and I would never commit fraud.
Product: Mortgage

Dear CFPB, I originally filed this complaint on XX/XX/XXXX ( complaint # XXXX ) which was marked as a duplicate regarding a prior complaint against the Bank of America NOT XXXX XXXX XXXX please review this complaint as this is a very different complaint asking for a copy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING PAYMENTS AND BALANCES. 

I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the XXXX XXXX  mortgage was then transferred back to the Bank of America on XX/XX/XXXX. 

According to the XXXX County Register of Deeds, XXXX XXXX never filed the mortgage nor the amendment and instead the XXXX County Register of Deeds only recording the XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX County Register of Deeds documentation attached ). 

Please have XXXX XXXX send me a copy of the mortgage as well as the modification when the mortgage was transferred to the Bank of America on XX/XX/XXXX as well as filing the required documents with the XXXX County Register of Deeds. Also, please have XXXX XXXX send me a copy of all the financials associated with the XXXX XXXX  mortgage. 

PLEASE HAVE XXXX XXXX  SEND ME THE REQUESTED MORTGAGE PAPERWORK AND FINANCIALS TO MY ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX Thank you, XXXX XXXX
Product: Debt collection

This complaint is a response in regards to a correspondence received from RISE ( dated XXXX/XXXX/XXXX, received XXXX/XXXX/XXXX ) in regards to an alleged debt. I received a correspondence from RISE requesting a photo ID and Notarized ID Theft Affidavit. I am not certain what prompted RISE to contact me with this request, but there is a CLOSED account ( truncated number on report XXXX ) listed on my credit file ( s ) that I recently disputed that states this item/account was closed on XXXX XXXX, XXXX as a paid in full charge off. If RISE is claiming that there is an outstanding debt to collect ; the debt will need to be verified. I agree to discharge any debt that can be properly and lawfully verified. What is specifically being requested as valid verification of the alleged debt is numbered and listed below. 1. A legally binding contract signed by both parties, which would include myself ( XXXX XXXX ) and an authorized representative ( an actual living human being ) of RISE which would reflect that two living people actually had an understanding amongst each other and made a binding agreement ( contract ). To be clear ; the wet ink signature document is being requested and is the only acceptable document. Copies of documents can be forged so a copy of a document may possibly be a forgery, therefore I will not accept any document as valid except for the wet ink signature document or a notarized affidavit that confirms that the original wet ink signature document is in possession and can readily be produced in case this issue has to go through a litigious process.
2. If there was an actual loan provided by RISE and there is actually a valid debt that can be verified, I am also requesting the actual accounting that reflects that RISE or any other relevant party actually loaned their own pre-existing money or assets ( including money or assets the Bank may have sourced from another institution )?
3. If RISE is unable to produce any of the above requested items, this alleged debt has not been lawfully verified. If RISE declines to properly address the above mentioned requests and ignores this correspondence completely or the questions posed in this correspondence, their ( RISE ) SILENCE IS AQUIESSENCE and this will in fact reflect that RISE is in agreement that a loan was never provided and that there is no lawfully binding contract that reflects a loan was provided, therefore RISE must cease and desist any further collection activities and also cease and desist reporting to the credit bureau ( s ). Any correspondence that is sent by RISE also needs to be signed by an authorized representative of RISE to be valid. Any correspondence that is not signed by an actual living human which may state something like Sincerely, RISE, Thank you, RISE or, Yours Truly, RISE etc ... is unacceptable. RISE is a CORPORATION and not a living human being, so RISE can not send nor sign documents, this can only be accomplished by and through living human beings, so the only acceptable correspondences sent by RISE must be signed by an actual authorized representative ( living human being ) of the CORPORATION known as RISE.
Product: Credit card or prepaid card

I had a secure credit card account with First Progress. I closed my account and requested that I get my security deposit back back in XX/XX/XXXX. They claim that they sent a check that I never received in XXXX and I can't get them to move on and get me my money back. they keep requesting that I send faxes and I've done that on several occasions as well as call in these most recent days it's been I sent one on XX/XX/XXXX and XX/XX/XXXX. The last paper shows a fax report that I had sent with my XX/XX/XXXX fax to show my previous attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off auto loan account on XXXX XXXX. Balance was adjusted XX/XX/2021 to XXXX  paid. Documents were ordered along with an expedited request to the credit department to update status to all credit reporting agencies. The account had not been updated in three months. Since the start of the loan Ally never reported accurate balance information. 
I had disputed balance information at least twice over the last two years with all bureaus. 
It was never up to date during the whole time my account was open. 
Also I paid as agreed, never late. 
I have received my paid in full contract last month, XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian and XXXX refuses to remove me from being lates on XX/XX/2021 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging negatives from my profile. 
XXXX XXXX XXXX XXXXXXXX Balance : {$38000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is reflecting a bankruptcy >Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the court and they responded do not to you or any credit bureau for that matter ; therefore the item with the court was either an error or fraudulent. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Product: Debt collection

I disputed with XXXX boneville collections years prior it recently reappeared on my credit report. This was done with out proof of certification of accuracy and with out notice to me as the consumer both are direct violations which provide awards of XXXX per violation. On XX/XX/XXXX i received a email replying from a dispute I submitted by email in early XXXX. This was a third attempt after 2 calls to the company in which they would not remove the previously deleted account. The email stated the account would be deleted and had been flagged as a deletion. They stated I have like the item to remove any credit reporting from Bonneville on this Idaho power, AS SOON AS we transmit to credit bureaus.. NEITHER XXXX NOR BONEVILLE collections provide notices or results when reinserting the account. Boneville has stated it will be removed again however does not give a time of action. This is hurting, y credit worthiness in a time when I am looking for a place to rent and buy a vehicle.