23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2012, I was a customer with XXXX. When I initially received service with them, somehow, and without my knowledge, they managed to create XXXX duplicate accounts. While I paid my monthly bill for the service I received this duplicate " phantom '' account started racking up unpaid bills. 

Between then an now, I have been contacted by three separate debt collection companies trying to collect on what is about {$250.00}. Each time I inform them that this debt is not mine, request verification of the debt in writing, and tell them to stop contacting me. Each time, of course, they cease all action on the debt because it is clearly not a valid debt. I do not remember the name of the other collection agencies, but most recently I have dealt with Stellar Recovery out of XXXX, FL. 

The initial fault lies with XXXX, however, whatever debt collection company they sold the alleged debt to also bears responsibility for passing the debt that was know to be invalid on to another agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 I HAVE HAD NUMEROUS COMPLAINTS ABOUT EXPERIAN AND THIS TIME I HAD TO CALL NUMEROUS TIMES TO REMOVE 8 EXPIRED HARD INQUIRIES AND TO REPLACE THE LOST POINTS ON MY CREDIT SCORE. THEY FINALLY REMOVED THE EXPIRED INQUIRIES BUT REFUSE TO GIVE ME BACK THE POINTS THET TOOK AWAY FROM THOSE INQUIRIES. THE OTHER 2 CREDIT REPORTING AGENCIES XXXX AND XXXX UPDATED MY ACCOUNT WITHOUT ME EVEN CALLING THEM. WHEN I TRIED FOR THEM TO EXPLAIN WHY THEY DID NOT UPDATE MY CREDIT SCORE THEY GAVE FALSE REASONS FOR NOT DOING SO. THIS HAPPEN A FEW TIMES WITH THEM. I WORKED SO HARD TO RAISE MY SCORE FROM XXXX 5 YEARS AGO TO HIGH 700 'S AND THIS COMPANY ALWAYS HAS MADE IT SO DIFFICULT TO HAVE MY CREDIT SCORE TO WHERE IT SHOULD BE. I WOULD LIKE TO FILE A CIVIL SUIT FOR {$100000.00} FOR THIS VIOLATION.WHY ARE THEY ABOVE THE LAW?
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!
Product: Credit card or prepaid card

BBVA credit card company withdrew my payment of {$460.00} twice, one on XX/XX/2019, and then another {$460.00} on XX/XX/2019. After a long communication back and forth, the unauthorized withdraw of {$460.00} by BBVA on XX/XX/2019 was finally reversed to my BBVA bank ( checking account ) on XX/XX/2019. However, also on XX/XX/2019, BBVA billed {$460.00} to my credit card account, and kept telling me to pay this {$460.00} to them. There is no reason I still owe BBVA {$460.00}, and BBVA is unwilling to remove this {$460.00} from my balance, and they can not provide a reasonable explain why this {$460.00} charged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

few accounts are reporting inaccurately and fraudulently under my XXXX and trasnunion and XXXX   credit reporting agencies. 
i have been disputing these fraud account ( XXXX  XXXX XXXX, XXXX and XXXX .... ) please you are my only hope to show bureaus these are inaccurate, not mine, i will be attaching my police report and FTC report filed, i had been providing these documents to all three bureaus, these were removed then put back again. 
please have three bureaus remove this inaccuracies. 
thank you
Product: Checking or savings account

On XX/XX/2023 I received a Welcome email from Chime, an online banking service, congratulating me on opening a new Checking account with their institution. Within minutes I received another email from Chime advising a credit card would be sent to me once I make a {$200.00} deposit into the checking account. 

I immediately called Chime to report the opening of both the checking account and credit card application as fraud. I advised Chime that my identity had been stolen and there is a freeze and fraud alert on my SNN through all major credit reporting agencies. Chime stated they would immediately close the accounts, which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws , XXXX ( the representative I spoke to at Chime ) was not able to provide me an answer. When I sent in my FTC identity theft report to Chime, requesting a copy of the application submit as well as an explanation on how this fraudster was able to open an account without being properly identified, the member services rep only provided the application. Again they did not answer my question. Upon reviewing the information submitted on the application I noticed while the fraudster used my correct address on the application, they used my maiden name ( which I havent used in almost 11 years ) and they used a telephone number that is NOT in geographical area of my address nor is it listed on any of my credit report. All phone numbers on my credit report are local. Ive worked in the financial industry for over 20 years. Therefore I know this shouldve been a red flag for Chime! Additionally, this fraudster has tried to open accounts at other banks such as XXXX, XXXX, XXXX XXXX, etc and in each instance the application was flagged due to inconsistent information provided, the account was not opened, and I received letters from each bank indicating my credit was frozen and I needed to call to be identified before the accounts could be opened. Chime has set the standard that anyone can go their website and open fraudulent accounts with being probably identified. I believe This company should be looked at future to ensure they are doing enough to prevent consumer fraud and money laundering according to XXXX and BSA regulations.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 is inaccurate.
Product: Checking or savings account

On XX/XX/2023 I initiated a bill payment to myself from my XXXX XXXX Credit Card account to my Citibank checking account. The bill payment check was for {$1400.00} and was mailed to Citibank, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My account was never credited for the {$1400.00} deposit. 

Looking at a copy of the cancelled check I received from XXXX XXXX, I can see the check was received and cashed on XX/XX/2023. The endorsement on the back of the check reads : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX After several calls to customer service, on XX/XX/2023 I visited the Citibank branch XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX and spoke with XXXX XXXX XXXX She was not able to assist me, but took my copies of the cancelled check and letter from Citibank requesting additional details about the deposit. XXXX said she would give my information to the XXXX representative, along with my documents and he would be in contact with me. On XX/XX/2023 I emailed XXXX to get a status on my missing deposit, she never answered my email or calls. 

I have placed more XXXX phone calls, visited the branch and placed numerous investigations ( XXXX, XXXX, XXXX ) attempting to locate my missing deposit without any resolution. I keep getting the runaround and no one will take responsibility to investigate where my {$1400.00} deposit went.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX XXXX, 5-6 times with both Bureaus, XXXX, Equifax. I settled the Debt on XX/XX/year>, I've called/ uploaded a Goodwill deletion letter, explaining the reason I couldn't make the payments is because I lost my job During COVID-19 CRISIS, CFPB I fill that both of these bureaus are holding this account over my head so that I can't obtain a mortgage loan. That is very unprofessional I will continue to take all necessary actions until this account is removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus 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 Balance : {$4900.00} XXXXXXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is XXXX XXXX letter stating account ending in XXXX was not displayed on my credit report o Attached is Transunion credit report reflecting XXXX  XXXX account ending in XXXX o Another Report reflect account number as XXXX. A o Attached XXXX  credit report reflecting the account ending in XXXX These are the same account, same amounts, different account numbers, and should be removed immediately. 

Transunion credit report also reflects XXXX XXXX XXXX. Attached is : o Letter from XXXX  XXXX XXXX reflecting the adverse listing should be removed o I have also attached the email stating this also
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX/XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now rescinding that authorization via 15 US code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything reported on my credit report. Starting today XX/XX/year> : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30 days of this CFPB complaint. Failure to comply with this request may result in further action being taken to protect my consumer rights under federal law. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Main credit reporting agencies are reporting false information. 
the following inquiries are being reported fraudulently. 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Mortgage Brokers Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX -XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years now I have been disputing the same information on my credit report & Equifax has ignored my many disputes. As a result I was just recently denied for another credit card that wouldve elevated my utilization & supplied me with the financial freedom in order to start my real estate company. Equifax continues to get away with violating the FCRA & I am close to filing a lawsuit with my federal court for willful negligence. Their malfeasance is inexcusable & needs to be punished
Product: Checking or savings account

XXXX XXXX XXXX for {$130.00} there was a glood and {$340.00} was fraud is {$480.00}. Ive calldd exevutive office and customer service who does not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised during the time I was incarcerated for 10 years ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in opening accounts and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed.

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the XXXX timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The above account is incomplete. There is no phone number for the data furnisher. Please delete this account from my credit report.
Product: Checking or savings account

My Certificate of Deposit which was opened in XXXX was closed on XXXX without my consent and it was transferred to my wife 's account which was not even listed as an external account on the certificate of deposit. I never provided any authorization to close this account. This account was having 2.85 % APY. 

When I contacted the customer care, they said this was done by mistake and asked me to wait for a few days as they would fix it. 

Few days later when this was not completed, the customer care team on XXXX XXXX asked me to open a new CD for 3 years ( 0.3 % APY ) and transfer the funds into the new account. They told me that the new CD account APY would be updated within 5 days. The reason they asked me to open a new CD because they were not able to pull the fund from the external account. 

Between XXXX XXXX and XXXX XXXX, I called customer care multiple times and every time they said it's pending with the system and would be done by XX/XX/XXXX. 

Today on XX/XX/XXXX, when I called again, they said APY can not be updated to 2.85 % and even though it's their mistake, they would not fix it. This is a clear case of fraud as the CD was liquidated without my consent and feeling really helpless here. 

The customer service team manager said, whoever I have spoken to between XXXX and XX/XX/XXXX, they all misled me. 

There are two things to note here.

1. The CD was closed without my authorization 2. The money was transferred to an external account which was not even listed in my account. 

How can Capital one liquidate an account without customer authorization and transfer the fund to an external account.
Product: Mortgage

I refinanced in about XXXX or XX/XX/2022 with a company called XXXX XXXX. The refinance was completed and a different company, Roundpoint mortgage bought my loan from them. Round point mortgage says they only accept payments between the XXXX and XXXX of each month or the payments go to principle instead of my normal monthly payment. Example : I can only pay for the month of XXXX between XX/XX/XXXX and XX/XX/XXXX even though I should be able to pay anywhere between XX/XX/XXXX and XX/XX/XXXX without getting a late charge. They call me every month harassing me about I didnt pay my bill but when I list the dates I sent payments ( between the XXXX and XXXX ) they magically find that the second payment was applied to principle. They tell me they will reverse it and to wait 4-5 days to process. I should not have to go through this every month for the next 30 years and feel it places an undue burden on the consumer especially if I never agreed to their 15 day only terms. My agreement was with XXXX XXXX to pay from the XXXX to the XXXX for the upcoming month like every other normal person. It doesnt seem fair that a company can buy your loan then force you into whatever terms they want without you consenting. Please help, I cant afford to refinance again to get away from them and they might buy that loan too! They sold my mortgage to a debt collection agency, not another mortgage lender even though I have great credit. 

Hoping and praying, XXXX XXXX