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

- I had a checking account and savings account from XXXX Bank. Sometime in XXXX, XXXX announced that it will no longer serve me and that my accounts will be transferred to Citizens Bank. I did not want to have an account with Citizens Banks, so I called XXXX and let them know. The XXXX representative responding my call ensured that my accounts will not be transferred, as long as I close those accounts before the transfer in XX/XX/XXXX. - I closed both my checking and savings account with XXXX on XX/XX/XXXX, and double-checked with the XXXX representative whether my accounts are closed for sure, and whether I should worry about my account information being transferred to Citizens Bank XXXX The representative ensured that my accounts are closed, and that the account transfers to Citizens bank will not happen. Yet, I received a credit card and a debit card from Citizens bank by mail in XX/XX/XXXX. I called multiple times to XXXX in XX/XX/XXXX to complain : the XXXX representative still insisted that, because my accounts are closed, Citizens can not open my account, and that I should contact Citizens bank because my problem is with Citizens bank. I protested that it is XXXXXXXX 's fault because XXXX sent my information without my consent, but all XXXX representatives I talked to repeated a similar line of answers and refused to issue any written confirmation of what they were saying to me over the phone. I now seek what I can do against this unauthorized transfer of my account information and the opening of accounts. - When I closed my checking and savings account with XXXX on XX/XX/XXXX, I attempted to close my credit card account with XXXX. The representative said the credit card account will not be a part of the transition to Citizens Bank, so I told the representative I will keep the credit card. Now, because I was unhappy with what XXXX and Citizens were doing with my personal information, I decided to close my credit card account with XXXX. When I called XXXX on XX/XX/XXXX, to close the credit card account, the XXXX representative said, unlike what the XXXX rep told me on XXXX call, my credit card was to be transferred to Citizens Bank from the beginning, and now XXXX can not close my credit card account because it is now transferred to Citizens. I demanded that XXXX check their record of my call with the representative on XX/XX/XXXX, the representative answering my call on XX/XX/XXXX, stated she does not have the authority to check the recording nor has the phone number to call to check. - I have made recordings with XXXX customer representatives, which can be provided upon request ( did not attach due to size )
Product: Credit reporting or other personal consumer reports

This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.
Product: Mortgage

This is a official complain against Loan Care Address : XXXX XXXX XXXX XXXX PA XXXX Mortgage # XXXX My mortgage was sold to Loan care the mortgage was transferred from XXXX after they went bankrupt. I still haven't received any letter on time when my mortgage is due letter received 2-3 day before payment is due. Loan Care want me to pay 2 payments in one month out of any reason and refuse to provide answer why need to be payd 2payments. Just for the record I do not have missing payment According to letter from XXXX I receive mortgage payment will be the same no changes to escrow, monthly payment or home insurance will be made from Loan Care all will be the same. Loan Care recalculates my mortgage payment out  of any reason. My monthly payment w/XXXX was US $ XXXX.The payment w/Loan Care need to be the same. This company asks me to pay US {$1300.00} monthly no letter is received why. I pay the US {$1200.00} each month to Loan Care and still to pay the same payment every month after mortgage is sold to Loan Care. 
After I make complain to CFPB they refuse to provide letter and provide clear answer why my payment will be different. I believe that this company breaks the low. After I made complain against LoanCare on CFPB now they send me letter and tell me that my escrow is shortage. For sure they delay to posting payment on time to my account probably they fail to make payment on time to properly taxes and insurance all together. I am writing to bring to your attention a serious issue This company need to provide How much will be my monthly payment, need to provide information about escrow, taxes insuranceI am very disappointment and will report this company to attorney general and will ask other Government agency FHA I will contact to NJ Division of consumer affair, FCCA US Department of housing HUD Federal Reserve My taxes escrow need to be review taxes. I do not want to be consumer on this worst company. This company breaks the law. I can't say enough bad things about my experience. I had a very difficult time with loan care. I need help to get out from Loan Care XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 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

Synchrony Bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization. I never authorized Synchrony to recently attempt to make debits from my account. I paid my bill using cash in the store. My financial institution has set a stop payment to prevent Synchrony bank from fraudulently attempting to withdraw funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).
Product: Vehicle loan or lease

My vehicle was repossessed, the debt was XXXX and I never got a 1099-C while Santanders consumer reported the XXXX to my credit report. I called and requested the 1099-C I never got any answer from them.
Product: Mortgage

I closed a refinance with XXXX XXXX XXXX XXXX  ( XXXX ) on XX/XX/20. Wells Fargo purchased that mortgage from XXXX on XX/XX/20. The final XXXX statement shows a note payoff " Payoff Sold Servicing '' of {$500000.00}. However, when Wells Fargo set up the new mortgage effective XX/XX/20, they set it up with a starting balance of {$500000.00}. They added XXXX {$1500.00} to the mortgage principal despite the fact I had paid all accrued XXXX interest to XXXX in my first ( and only ) monthly payment due XX/XX/20. When I called them they said they didn't know why the extra {$1500.00} had been added to the principal and it would take them up to 30 days to investigate. Given their reputation I do not trust that this was a mistake and I am concerned they are doing this to other people who may not notice the extra principal added.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. 
I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX Balance : {$32000.00} Balance updated : XXXX XXXX, XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2022, I received a summons to court to appear for a debt that is well beyond the statute of limitations for my state, that I was not made aware of ( no notice from this debt collection company ) and is no longer on my credit report.
Product: Debt collection

On XX/XX/2020 I sent an affidavit of truth stating each violation the debt collection company Santander Consumer USA Inc committed, and a debt validation letter via certified mail with requests for return receipt to the debt collection company Santander Consumer USA Inc. I have not received any validation of debt or any response in writing from the company. On XXXX XXXX I received a return receipt from the company so I have proof they have received the documents as the exhibit attached reflects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter to Experian and XXXX  see attached document. 

I asked Experian to remove the XXXX account from my report. I Asked that they send me the actual signed contract or it needs to be removed because it is being reported inaccurately I wrote XXXX and ask them the same including an account for XXXX XXXX XXXX XXXX. 

The have yet to verify these accounts
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting ActXX/XX/XXXX says XX/XX/XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I looked at my consumer reports and noticed a XXXX hard inquiries on an account that I are not mine. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never applied for these credit products and did not provide written consent to report the account : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Please investigate and provide proof showing that these inquiries are mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these hard inquiries to be removed immediately.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from JPMCB Card services. I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. JPMC Card services received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$6600.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I called in to customer service and inquired as to how to aquire a payoff letter for the purposes of loan consolidation. 

I was directed to the website and directed by XXXX customer service how to access this information. The payoff letter that was generated is attached to this correspondence. 

After submitting this attachment to XXXX, my consolidation bank, a check was then sent with pay off instructions with my consent to close the account Iafter completion of the payoff transaction. 

One week ago, I was checking my credit report and realized that XXXX put a 60 day past due notice on my previously closed account. Completely confused, I called XXXX customer service to get answers. 

Upon gathering more information the customer service agent, I realized that XXXX previous agent MISADVISED me and did not give me the correct payout information. 

I did not receive any corresposnce from XXXX as to say that my loan was in default and that the process of loan consolidation was incomplete. 

I immediately paid off the past due amount. 

I am asking XXXX to please remove the any delinquencies associated with this account from the three major credit bureaus and bring this account back in good standing. 

I now have to redo my consolidation loan because of this error so Im also asking XXXX to please email me the corrected payout letter for this purpose.
Product: Credit reporting 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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$9400.00} XX/XX/2021 15 U.S.C , 1681section 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 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

XX/XX/2023, I informed XXXXXXXX XXXX   by mail that my wife XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I stated there was no estate or money to pay her debt. XXXX XXXX called me on several occasions stating I was a joint owner and responsible for the debt. I disputed the debt and explained I was an Authorized User not a joint owner. In a letter dated XX/XX/2023 XXXX XXXX informed me the credit card account has been been updated. My wife 's name removed and replaced by my name. In reply letter dated XX/XX/2023 I again disputed the debt. I asked for written validation that showed I was joint owner. To date XXXX XXXX has not replied in writing to my concerns or requests. However, XXXXXXXX XXXX did report to credit reporting agencies that I was 60 days over due on payments to the debt without saying the debt was in dispute. My credit score was dropped XXXX points and I was denied credit when I tired to replace my 20 year old furnace and air conditioner. XXXXXXXX XXXX closed my wife 's checking account and placed a hold on {$2500.00} balance in the account. XXXX XXXX never notified me or gave me access to my wife 's checking account. They have a copy of my power of attorney authorizing me access to my wife 's financial accounts. XXXXXXXX XXXX is still calling me to the point of harassment.
Product: Credit card or prepaid card

On XX/XX/XXXX, my bill for XXXX did not go through when it was on auto bill because the account status switched to restricted and eventually closed. I reached out to the Capital One by phone and they said they saw the payment try to come out of the bank but it was rejected because the account was restricted/closed. They never notified me of the rejection or closure. In fact, I called and asked for them to send me correspondence on the reason for the closure and how to access account to make a payment. I kept following up and I finally received an email. The email was sent XX/XX/XXXX saying that the account was 2 months behind with a due date of XX/XX/XXXX. I followed the link to make a payment, which I could not access via online, so I called to make the payment. Payment was received successfully this time, but now the credit card company gave me a late payment. I now can not get a mortgage because of this mark on my credit file and the bank will not help me with this unfair situation.