23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I applied to refinance my current mortgage with Chase. At this time I was told I would need {$500.00} for upfront fees and that nothing would be due at closing and I would not be required to provide anymore funds. My refinance was approved. I did not hear from Chase for 14 days at which time they informed me that I would be required to have a minimum balance in my Chase checking account of {$6600.00}. I was not informed of this upfront. I called the Lender and asked why. They told me that due to Covid-19 there is a new law requiring all lenders verify that all borrowers have {$6600.00} in their checking accounts. I have since discovered that was not true. I am currently working with another finance company and they do not require me to have {$6600.00} in my account. Therefore, Chase deceived me twice and they have not refunded my {$500.00}. It has been 14 days since my original request for a refund. I have attached emails from them stating it would take 7 to 10 business days for my refund yet I still do not have it.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  trafficking of Debt Bondage. I have reached out to Transunion on XX/XX/year> to resolve this issue and have not had any results. I have followed up online and by phone and I still have no results.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate inquiries reported by TransUnion on my credit report. These inquiries do not appear to be associated with any of my current accounts or credit applications, and I believe they have been reported in error.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), TransUnion is required to ensure the accuracy and integrity of the information they report. As these inquiries are not connected to any legitimate credit applications or accounts under my name, I request that they be investigated and removed promptly.

Furthermore, under FCRA Section 1681i, I have the right to dispute inaccurate information on my credit report, and TransUnion is obligated to conduct a reasonable investigation into the disputed entries. I have made multiple attempts to resolve this issue directly with TransUnion, but the inaccurate inquiries continue to be reported, damaging my credit score.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and ensure that TransUnion complies with federal regulations regarding the removal of inaccurate inquiries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
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: Credit card or prepaid card

1. On XX/XX/XXXX, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXX credit card information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. XXXX. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX on XX/XX/XXXX sent me a letter saying that they did send the money to CapitalOne XX/XX/XXXX, and that it was cashed by CapitalOne on XX/XX/XXXX. On XX/XX/XXXX I called CapitalOne and customer service was saying that they were not able to help me and that they have no record of the check being sent to them from XXXX.
Product: Credit reporting

The Equifax credit report is WRONG! My name is wrong, XXXX of the addresses is wrong ... Part of the report 's information is mine and the rest is someone else 's. I believe the Equifax mixed a portion of my information with a portion of another guys ' ... When I try to file dispute they keep telling me my information is wrong ... Of course it will be " wrong '' because they got my information wrong in the XXXX place. I have no other ways to dispute this but to file this complaint
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of auto loans, a credit cards and any other accounts from Ally Financial : with a balance of {$3300.00}, XXXX XXXX : with a balance of {$4300.00}, XXXX : with a balance of {$13000.00}, XXXX : with a balance {$1400.00}, XXXX XXXX XXXX with a balance of {$25000.00}, XXXX XXXX XXXX XXXX : with balance of {$7800.00}, XXXX XXXX XXXX XXXX : with balance of {$1000.00}. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud Fraudulent Hard Inquiries- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened credit account with XXXX in XX/XX/2019. Registered on their website and set up autopay. Charged gas purchases in XXXX to XXXX. In XX/XX/2019 received notice from Experian that credit score had been reduced due to delinquent XXXX account. Attempted to log on to XXXX website and could not without re-registering, which seemed peculiar. Found all the information I had entered to start autopay was there ( see attachment ). I contacted XXXX about two things : 1 ) why hadn't autopay retired any account balance and 2 ) if autopay, in spite of my efforts, was not set up why didn't XXXX notify me of a balance due before notifying Experian? I sent several messages via XXXX 's website about the above and was informed that autopay never got set up. I called XXXX customer service and asked why XXXX hadn't notified me before Experian. The person I spoke with said it is not their policy to notify if a balance is due - at least that is my interpretation of what I was told. Something about " concerns about privacy. '' I think it is reasonable for XXXX to let Experian know that I was not informed about the balance due. Needless to say I have recently re-set up XXXX autopay to forestall the above repeating. My account currently is paid up.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citicards CBNA 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 opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request the following hard inquiries on my credit report and this is hurting my file, I've placed a freeze on my files 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
Product: Debt collection

Hello. This is not a debt. This bill was paid to XXXX in XXXX XXXX. What happened was they said they would send me a check for the balance they owed me because I cancelled my service, and it was pro-rated. I was not under a contract. That was in XXXX XXXX. I waited and waited, but no refund ever came. I contacted my credit card company in XXXX XXXX, and they reversed the original XXXX payment back to my card. Then, the next day, I received a check from XXXX in the amount of {$38.00}. I was like fantastic. I called my credit card company back, and told them to re-charge my card with that amount, that XXXX had issued me a credit. They did, and I thought everything was taken care of. Then, in XXXX XXXX, XXXX sent me a bill for that same amount, {$38.00}. I called them, and they had me basically transferred around to about 10 different people. When I did speak to them in XXXX, I was told that XXXX does not give refunds to customers for services that they do n't use when they cancel their services. '' What this meant was they bill you an amount, and if you cancel, even after 1 day, they keep your money. I sent them proof from my credit card company, statements. I even had XXXX XXXX XXXX on a 3-way call with XXXX, and they said a supervisor would call me back. It 's been 12 months and counting. I paid this bill. I have the proof, and XXXX, nor the XXXX other nasty credit debt collectors would listen to me or look to see that I paid them. Now, this balance has been passed to a 3rd debt collector with a 'settlement amount '. I do not owe this money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 and XXXX XXXX XXXX
Product: Mortgage

Every year around this time, Ocwen ca n't seem to get me my mortgage bill. Even after ( XXXX ) additional request for them to mail me another bill. On XX/XX/XXXX, I still had not received my mortgage bill ( due XX/XX/XXXX ) so I called Ocwen and requested another bill be mailed to me. On XX/XX/XXXX, I still had not received a mortgage bill so I called Ocwen again to request a XXXX bill be mailed to me. On the phone, I was also given the option to mail payment in with last months bill stub and I did exactly that. On XX/XX/XXXX, I received a bill that was printed on XX/XX/XXXX, 3 days after my original request. # Days to print another bill and 17 days in the mail? Still no original bill from Ocwen and I know that they will not process my check til after XX/XX/XXXX with a late fee. What a scam. I have perfect payment history and credit with all. How can this only happen with Ocwen every year. I refuse to give them my credit card or banking info so this is what they do. It is not fair and I feel that there is nothing that I can do about it. You ca n't even pick mortgage companies, they pick you!
Product: Checking or savings account

i tried to open an account .the bank open and closed it right away. ny name is XXXX XXXX XXXX born XX/XX/XXXX ss is XXXX born XXXX ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX which is a subsidiary of Experian Credit Bureau refused to remove an erroneous entry on my XXXX XXXX XXXX XXXX History Report. Case # XXXX. According to them ( and only them ) my odometer " might '' have been rolled back in XXXX of XXXX according to some unidentified " auction house '' notation at XXXX miles. The dealer I bought the car from gave me a XXXX report at the time which had no such notification, and the current XXXX reports do not have it either. This is obviously an clerical error that is adversely impacting my being able to sell the car, and needs to be removed.
Product: Student loan

The loan is set up to pay the amount of interest of loan monthly. The amount is automatically withdrawn from checking account. I have made several additional payments after the interest payment was deducted, thinking that the amount that I paid over the interest amount would reflect and be applied to principle balance of the loan. In looking at loan history it shows a very small amount has gone to principle, most has been applied to interest. Example ; XXXX 's interest only payment was withdrawn on XXXX for {$290.00}. 
Additional payments I made expecting them to be applied to principle : XXXX XXXX {$100.00} XXXX {$200.00}, XXXX XXXX {$150.00}. The loan company only applied {$89.00} to principle and {$650.00} to interest. Looking at the history of this loan, I am concerned that my monies are not being applied properly. Since the life of the loan ( 3 semesters - merged to one loan ), Interest paid : {$3200.00} and Principle paid : $ {$990.00}. I have tried to call to understand why my extra payments are not being applied. They say its set up as simple fee interest calculated daily and when my daughter graduates in XX/XX/XXXX, in will then turn to compound interest. They sent me an Amortization of schedule for this loan and it shows payments going only to interest and on XX/XX/ the min. payment will be {$38000.00}? I believe this form they sent me has a major error. How will I ever pay this loan if I can never move forward no matter how much I pay monthly. I feel they are not putting my payments towards principle out of error. We also have a XXXX  XXXX, and the balance is shrinking and there is a good amount of principle being applied from extra payments, so We need help with understanding how this company ever expect their student cliental, to get out of student debt?
Product: Checking or savings account

Name : XXXX XXXX XXXX Involved : Santander Bank Bank Address : XXXX XXXX XXXX NY XXXX Bank Telephone : XXXX My Account was locked due to a {$25000.00} SBA Loan which I received for my XXXX. I've attempted to resolve the issue with my Bank & have my account unlocked but all my efforts have so far proven abortive. I've provided the Bank with my XXXX Registration Documentation as well as SBA Loan Documentation as of  XX/XX/2020 but Santander Bank has refused to unlock my account. Please kindly assist me in unlocking my account & retrieving my trapped funds being held up by Santander Bank. 

Action Taken : On XX/XX/2020 I provided XXXX XXXX Personal Banker/ Small Business Specialist with my XXXX   Registration Documentation as well as SBA Loan Documentation but Santander Bank has vehemently refused to unlock my account.
Product: Checking or savings account

On or about 4 months ago my navy federal account was closed for no apparent reason. When I called to ask what happen they wouldn't give me any information as to why my account was closed. Mine you I never used the account I just made my initial deposit and let it. Now my accounts closed an I don't know where my deposit went. Navy federal still send me a statement which make zero sense and won't let me access my account. As the consumer I demand answers and my account and deposit be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on fixing errors in my credit report from XX/XX/2020. I have been having a really had time with the response times from the three major credit bureaus XXXX, XXXX  and Experian. I have asked for validation for several accounts that are reporting with errors on my report. The accounts are XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. I have sent a total of 4 letters to each bureau dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was under the impression that the bureaus have 30 days to respond it has been 4 months with no response from the bureaus. I would like to resolve this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Important dates Original filing dateXXXX XXXXXXXX XXXX XXXX Latest status dateXXXX XXXX XXXXXXXX Additional details Reference XXXX Record typeXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX Removal dateXXXX XXXXXXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

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. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.