23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I noticed there were two teller withdrawals one for XXXX and one for XXXX. I immediately called the bank and did not recognize the names on the checks. The customer rep acknowledged that these were white washed checks, with my information on it but didn't look like my checks. She immediately placed a stop payment on them. It took me two days to get an appointment with the branch manager to open a new account. I filed a dispute on XXXX  I opened a new account with a little money in the old account for my pension to get in. I went to the police to file a report, got a case number and reported it to the bank on XX/XX/XXXX. On XX/XX/XXXX the check for XXXX was refunded to my account but not the check for XXXX which also had a stop payment on it. I called the bank and was told that the dispute would take 30 to 90 days to replace the XXXX. I called the bank repeatedly and was told that " this was their process '' even though that XXXX had a stop payment on it like the XXXX check. In addition, both checks were cashed at my bank up in XXXX. The teller never suspected obvious fraudulent checks. I filed an affadivit with the branch manager on XX/XX/XXXX and gave her a copy of the blank check with the number used on the XXXX check. I spoke to the police who said this was clearly a whitewash case and did not understand why I would have one check put back in but not the other. I called the fraud department numerous times and never received a call back. I called customer service MANY times and while they were sympathetic there was " nothing they could do. '' I would like my XXXX put back in my account now. I have been a long term customer and do not like the way I am being treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get the things removed after everything has been settled and it still is on my credit and still affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/year> XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/scrub> XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband passed away in XXXX of this year. When XXXX XXXX XXXX reported my husband 's death to the credit reporting companies, they erroneously also reported that I was deceased. This resulted in my not having a credit score which is impacting my ability to obtain credit and will eventually affect my insurance rates and countless other things in my life. 

I contacted XXXX and they stated they would contact the credit reporting companies and clear up the error. They have since done that because XXXX  and XXXX  are reporting my credit scores again. Equifax, on the other hand is still showing me as deceased despite numerous phone calls to them. Their own customer service representative filed a dispute on my behalf. I have filed 2 disputes myself and I am confident that XXXX has also notified them that I am not deceased. 

I don't know what else to do to get them to start reporting my credit score again. Please help me. 

Thank you
Product: Credit card or prepaid card

In XXXX of XXXX, I applied for a Capital One credit card. Capital One required me to send a {$200.00} security deposit to open a secured credit card account with them. My credit limit was equal to the security deposit - {$200.00}. In XXXX of XXXX, I requested from Capital One a credit limit increase. They denied it. They said they do not increase credit limits for secured credit cards like mine which are correlated with a security deposit. In late XXXX of XXXX, Capital One increased my credit limit to {$500.00}. Thoroughly confused, I asked Capital One for my {$200.00} security deposit back and they refused. I have written them twice. I have reviewed Capital One 's credit card terms and customer agreements and nowhere in any legal documentation can a customer have a combined credit card which is secured and unsecured. They should have sent me another card with a {$300.00} limit or sent me my {$200.00} back.
Product: Credit reporting or other personal consumer reports

. am writing to request information regarding the investigation conducted by TransUnion pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how TransUnion conducted its investigation into this disputed account 's accuracy. I submitted a dispute to TransUnion regarding the accuracy of the information related to the account mentioned above. 

I kindly request the following information : A detailed explanation of the investigation process undertaken by TransUnion, including the steps followed and the parties involved in the investigation. 

Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. 

Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. 

The results of the investigation, including any changes made to my credit report as a result of the dispute. 

The date on which the investigation was completed. 

Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. 

Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! 

Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulent accounts and Inquiries they are reporting but to my surprise, this company still insist on reporting these fraudulent accounts & Inquiries even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from these accounts & Inquiries. Fraudulent Accounts? 1. 
XXXX, Account # XXXX 2. XXXX XXXX  XXXX, Account # XXXX 3. XXXX XXXX, Account # XXXX 4. XXXX XXXX, Account # XXXX Fraudulent Inquiries!? 1. 
XXXX XXXX XXXX Date Filed XX/XX/XXXX 2. XXXX XXXX XXXX Date Filed XX/XX/XXXX 3. XXXX  Date Filed XX/XX/XXXX 4. XXXX XXXX Date Filed XX/XX/XXXX 5. XXXX XXXX XXXX Date Filed XX/XX/XXXX 6. XXXX Date Filed XX/XX/XXXX XXXX. 
XXXX Date Filed XX/XX/XXXX 8. XXXX XXXX Filed XX/XX/XXXX I still wonder why are you reporting, contrary to that law that states : Fraudulent accounts to be removed within 4 days from receiving proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them 2.My FTC report
Product: Mortgage

XX/XX/XXXX we had to go on covid forbearance and it was approved. when our va covid forbearance ended in XX/XX/XXXX I tried to apply for a streamline loan modification. I lost my job but was receiving social security XXXX for life now. we could afford our mortgage payment but we could not pay the {$79000.00} Carrington Mortgage was demanding from us. I called every week ( I have proof of every person I spoke to ) inquiring about our modification. I uploaded to the Carrington portal and emailed Carrington all the documents they requested. we were denied in XX/XX/XXXX for no reason stated and no one at carrington could give me an answer. I appealed we were denied. I applied for a VA Partial Loan Modification I found from the CareAct on the White House website that we were protected due to a world wide pandemic. We were denied again with no reason given but we could appeal the denial. I did not know how to appeal this with no reason given and no one at Carrington able to help me but I appealed it anyways. We were denied in XX/XX/XXXX and told we were not in the foreclosure process. Carrington reported in XX/XX/XXXX to all credit agencies we were in foreclosure. In XX/XX/XXXX we received a letter that we owed over {$100000.00} to save our home from being foreclosed on XX/XX/XXXX. I called Carrington immediatly and XXXX told we owed attorneys fees, over $ XXXX in interest along with the behind payments and she could not tell me why we were denied despite the CaresAct. We put our home up for sale and I called out VA rep for help XXXX XXXX XXXX and she called her contact at Carrington. Our VA rep emailed me and told me to submit for a VA Partial Claim Modification again. On XX/XX/XXXX I heard from Carrington through the mail and they asked me to submit paystubs to thier email and they will let us know the approval status. On XX/XX/XXXX we were approved for a VA Partial Loan Mod. I received the documents to signed 3 different times because they spelled my name wrong every time. Buy this time our home had a buyer and we were in contract and could not get out of it. Finally on XX/XX/XXXX I receive the corrected loan docs from Carrington and I sign them and XXXX XXXX them back. Its too late - our home is in contract and we are being threatented to be sued by the buyer and our realtor if we dont sell. we are homeless now! I have faxed and pleaded with Carrington to tell me why all of the sudden we were approved with the same exact documentation from 3 times before and denied. they do not respond.
Product: Credit reporting or other personal consumer reports

The company gave me an XXXX  notice to vacate property for none payment of lease while I was in XXXX Two weeks later I was XXXX and they had sold my property I called the clerk of courts and no forcloser had been done I requested that they send me all paperwork related to it and they stated they dont have to send me anything because I have a care taker and this is not correct Im in the process of getting a civil lawyer to handle all legal paperwork to get this matter resolved and they want send me any paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I discovered that LoanDepot had inaccurately reported me to both XXXX, and XXXX, as being 30 days late for XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, They admitted to me, both verbally, and in email, that they had made a billing error with my XX/XX/XXXX payment, and this had caused the problem. Floor Supervisor, XXXX XXXX, assured me that if I disputed the negative reporting with the bureaus, they would correct the reporting. 

On XX/XX/XXXX I filed disputes with XXXX, and XXXX. 

On XX/XX/XXXX, I learnt from XXXX, and XXXX, that LoanDepot had affirmed the inaccurate information as accurate. 

Since then, I have exchanged multiple email, and made multiple phone calls to, their customer service department. I have received assurances via email, and verbally, that the issue would be resolved, but each time frame of 30-45 days I have been given, has passed with absolutely no change to the inaccurate negative reporting. 

The inaccurate negative reporting by LoanDepot has damaged my credit, and impacts my ability to earn a living.
Product: Checking or savings account

This is an issue with a disputed transactions. The first one was for XXXX that was filed this year. I sent in all the necessary documents to prove that the merchandise is not in my possession and the merchant promised a refund and never did so. Chime refuses to credit the checking account despite documentation of evidence provided by me. Claim # XXXX, For my credit builder acct, there was an unauthorized charge on the account and chime automatically denied my claim without providing any proof that they had even contacted the merchant. The unauthorized amount charged was XXXX Claim # XXXX After this denied dispute I wanted to cancel all accounts with this online bank. 
The company refuses to cancel the account and according to my app, I owe a balance of XXXX.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : U.S. Bankruptcy Court Account Number : XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

Myself as prospective borrower engaged in a rate lock in late XXXX with lender Bank of America in effort to hedge against potential rate increase for closing date scheduled in late XX/XX/XXXX. In reference to the Float Down Addendum enclosed within the Agreement, which was valid between XX/XX/XXXX and XX/XX/XXXX, the Agreement clearly states, If market interest rates improve within 60 calendar days prior to the original requested closing date ( Float Down Option term opens ), you may exercise a one-time float down to lower the interest rate ( Float Down Option ). '' To lock this agreement I complied with an upfront payment of {$1900.00}. 


On XX/XX/XXXX as potential borrow engaged my lender XXXX XXXX at Bank of America to execute my float down to market rate which was at ~3.0 % at the time. This request was denied On XX/XX/XXXX I requested escalation to his manager XXXX XXXX who ignored all communications On XX/XX/XXXX my lawyer sent a formal request for the {$1900.00} to be returned on grounds that Bank of America had not acted in good faith and has not adhered to the terms of the Agreement
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX  account # XXXX date opened XX/XX/XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX
Product: Debt collection

SYNERPRISE is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2021 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting

For the past 6 months I have tried to work with Experian and have XXXX improperly placed accounts removed from my credit. I do understand mistakes happen but i am having problems with them correcting the error. 
XXXX Account Number XXXX BK Reference # XXXX
Product: Debt collection

Received multiple letters from A.R.M. Solutions, Inc out of XXXX CA. 
Said the company I work for owes them money. 
I asked for copies of the invoices and dates and amounts. 
Was told that they would not give me this information. When I stated that they are under the Fair Debt Collection practice which they state on the back of the letter, they laughed and said that they do not have to give me anything. 

When I further questioned them about the collection, they said that this was pre-collection, yet they threatened me with a lawsuit for not payment. 

We do not owe this money. I called the actual company and told them that the invoices they are showing open back from XXXX and XXXX were paid. I gave them the check numbers and all the invoices listed on those checks. 

I am waiting for the bank to send me the copies of the cashed checks.
Product: Debt collection

This is the third time I have received a different collection company appear on my three credit reports stating I owe a debt of {$160.00} ( Always this same amount ) I have contacted the collection company and it get deleted as they can not verify the account but a few months later a NEW or Different collection company appears on my three credit reports stating Account Closed/ Delinquent in the magic amount of {$160.00}. I have contacted the company US BANK CACS CC as it states the account closed on XX/XX/year> which is not true, they say this so they can keep the account active, I have been asking for Verification of the debt : Date, how old is account, amount and for what services or product and I do not receive a response. I am now in the middle of purchasing a home and this {$160.00} delinquent account is really effecting my credit score.
Product: Mortgage

Account number XXXX I fell behind on my payments and began making a little extra each month. In XX/XX/ 2021 my statement showed I has XXXX in my unapplied funds account. I sold my home on XX/XX/2021 and was told I would receive a refund of my escrow balance and the amount in my unappreciative funds account. I did receive the escrow refund, which I can match to the dollar via the statement. I have not received the money from the unapplied funds account. If you follow payments made into and out of the escrow account you can see that payments in matched my actual monthly mortgage payments and does not include the extra XXXX that I was paying over the actual payment go XXXX that was due. I have made XXXX calls tying to resolve this issue and each time was told a different explanation. The last person flat out lied to me about how long the money stays in the unapplied funds account ( no more than XXXX hours and then it is mired to the escrow account ) and when I called her out on the incorrect explanation she became defensive. Photos of the statements will proved money in the unapplied funds account stays there each month. 

I have had nothing but issues with The Money Source throughout my entire loan history and even had to file a complaint about them several years ago because of an error involving the escrow account, Since the explanations as to where my XXXX is can not proved via account statements nor the escrow history The Money Source provided to me when they sent my refund, I expect the Money Source to immediately provide me with a refund of XXXX.
Product: Money transfer, virtual currency, or money service

I, erroneously, mailed a check to citizens pay at the beginning of XXXX. The check was suppose to be sent to XXXX. When I recognized my error I requested a refund from Citizen pay. I was told it would take three days to receive it in a check. Today I called Citizens pay and was told it can take up to 45 days to receive this refund. I told the representative that I needed the refund sooner.
Product: Debt collection

Van Ru Credit Corporation called me to attempt to collect a debt in the middle of the night ( XXXX EST, which is my local time ).