23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TranUnion are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Product: Mortgage

US Bank purchased my home mortgage. 
It was a no escrow loan at origination and the original lender did not require flood insurance. 
US bank later acquired the loan and demanded I obtain flood insurance. 
US bank then set up a forced placed escrow that I contested to pay flood insurance. 
US Bank then purchased their own flood insurance at a cost of about 3x the price of my own policy that I was in the process of obtaining anyway. 
I rejected their policy as was my right in favor of my own less expensive policy with he same coverage. 
I believe the policy US bank issued is with their affiliate and US Bank benefited from the transaction financially without disclosing the affiliated relationship to me. 
Despite my securing my own flood insurance US bank refuses to remove the forced placed escrow despite the fact i obtained and maintain a fully paid annual flood policy. 
US bank has permanently raised my monthly mortgage payment by hundreds of dollars per month against the terms of the note I signed. 
US Bank alleges I am in default and have threatened foreclosure, and have instituted aggressive collection action against me. 
I have paid my payments timely every month since inception of this loan based on the amount of the note and mortgage. 
US Bank has not used best practices in dealing with me as their customer and has set up a self serving " suspense '' account to hold my timely mortgage payments and deem them late each month due to what they call a " shortage ''. 
US bank is charging me late payment penalties and penalty interest on the fictional payment that they contrived that I refuse to pay. 
US bank is reporting to credit agencies that I am in default of my mortgage adversely affecting my credit rating despite my timely payments. 

I have exhausted all reasonable attempts to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I filed for bankruptcy in XX/XX/XXXX. A credit card account we had with Wells Fargo is showing a balance of over {$14000.00} with all three credit reporting agencies. These reports imply the account is still open and that we are still responsible for it, when in reality it was discharged in the bankruptcy. I spoke with four different individuals at Wells Fargo on XX/XX/XXXX concerning this matter, and one of them finally admitted the account was indeed closed, but that it had to remain as open on my credit report for 7-10 years. I am also disputing the actual amount they are saying we owed on this account.
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. 
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, 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 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 items if 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 card

I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.
Product: Debt collection

FLAGSHIP ACCEPTANCE HAS REPORTED WRONG AMOUNTS TO MY XXXX CREDIT REPORTS SINCE XXXX. I HAVE ASKED FOR XXXX YEARS FOR THEM TO RESOLVE THIS MATTER AND REMOVE THIS DEBY FROM MY XXXX CREDIT REPORTS. I HAVE ASKED FOR THE ORIGINAL WET SIGNATURE AND PAYMENTS MADE. tHEY HAVE MADE THREATENING REQUESTS AND HAVE DONE DAMAGE TO MY PERSONAL CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit my personal statement as part of my Identity Theft Report regarding the severe negative impact of identity theft on my financial accounts. While I can not disclose specific account numbers, my XXXX XXXX account, XXXX XXXX XXXXXXXX, and various other institutions have been compromised, leading to significant financial and emotional distress. 

Discovering that my identity has been stolen has been an incredibly disheartening experience. It has shaken my trust in the security measures employed by financial institutions and has left me feeling vulnerable and violated. The repercussions of this crime have been far-reaching, affecting both my personal and financial well-being. 

The unauthorized access to my XXXX XXXX  account has had immediate and substantial consequences. The perpetrator ( s ) have conducted fraudulent transactions, resulting in substantial financial losses. This has not only depleted my hard-earned savings but has also disrupted my financial plans, causing undue stress and anxiety. 

Furthermore, my XXXX XXXX XXXX XXXXccount, which I have entrusted with my personal funds and financial stability, has also fallen victim to this identity theft incident. Unauthorized transactions have occurred, compromising the integrity of my account and causing considerable financial turmoil. The emotional toll of constantly monitoring my account for suspicious activity and the fear of further unauthorized access have taken a significant toll on my overall well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have endeavored to call Equifax to no avail ... the inquiries are unauthorized and should be removed ; I contacted creditor and received apology, but was told that bureau would have to remove inquiries I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX  has responded and admitted this is fraud on my account.I have attached this letter. Experian and XXXX  are not removing this from my credit report.
Product: Credit card

Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports
Product: Vehicle loan or lease

Vehicle was at shop for repair. T D Auto transported the vehicle to a repo location, no late payment. I did not volunteer to turn in the vehicle. There were no notice from the repair shop or T D Auto Finance.

T D offered to return the vehicle but refused to send a letter of release. I paid 6 payments without possession of my vehicle. The vehicle was sold when I insisted that I should not be responsible for transporting it back XXXX miles due yo the finance company 's mistake. 
The payment was current when picked up Current, when sold without notice. 
I was not given the opportunity to payoff.
Product: Debt collection

I was first contacted by this Company Aldous & Associates about a debt to XXXX XXXX XXXX which has already been disputed and found fraudulent by my bank as the membership had been cancelled, they confirmed, and they had continued to withdraw fund from my bank, XXXX XXXX XXXX XXXX. The collection agency contacted me repeatedly, I told them to only contact me via writing, and not to phone again. I sent them all the back up documentation and disputed the debt on XX/XX/XXXXby Certified Mail. Today, XX/XX/XXXX, they contacted me repeatedly calling over and over again, six times in less than XXXX XXXX. They sent me a letter with the contract ( which was never disputed ), and I had provided evidence of cancellation and communication with XXXX, showing i did not owe the debt. I also sent them a 2nd dispute letter, and again attached all backup documentation. They continue to call, and repeatedly each time. I have informed them that they can not call over and over and that they are harassing me, and they couldn't care less.
Product: Credit card

USAA has decided to do away with their MasterCards, which is their prerogative, but what they have done is taken the liberty to issue Visa credit cards to all of its MasterCard customers without their authorization. I now have a Visa card from USAA on my credit report that I never wanted or authorized. If this were a store card, such as a XXXX XXXX card, being created without my authorization, nobody would question that it would be considered fraud. How is this any different? 

The email I received last week was the first I knew of the change coming. The email said the MasterCard would remain open until XXXX XXXX. However, they have already performed a balance transfer from the MasterCard to the new unauthorized unwanted Visa card. I logged in over the weekend to pay off my MasterCard balance in full as I do every month, but all but {$24.00} had been moved to the unauthorized Visa card. Transferring money more than a month in advance of the MasterCard being closed without my authorization appears to be more fraudulent actions on USAA 's part. I called USAA and asked that the transfer balance be transfered back to my MasterCard and I would pay off the balance in full, but they said they could n't.
Product: Debt collection

I was not present in the united states for XXXX years and my credit is all destroyed and I have recieved some letters from debit collectors which I have not taken any thing from them. I was out from XX/XX/XXXX to XX/XX/XXXX now I came back and see.
Product: Credit card

This credit card is used strictly for balance transfers. I have never missed a payment or let a transfer amount lapse, so I never had to pay interest only the transfer fee. On XX/XX/XXXX, I had a promotional balance transfer expiring in the amount of {$2400.00}. On XX/XX/XXXX, I made a payment for {$2500.00} The credit card company applied the funds to another promotional amount due XXXX I requested a reversal of the funds. I was told the funds were mailed on XXXX instead of refunding via the original payment method. I never received the funds. I was told to wait 2 weeks before another check can be issued. I never received the funds, so after several attempts, I filed a fraud claim through my bank to get the money back. I then paid this same amount of {$2500.00} on XX/XX/XXXX to apply to the same expired transfer balance. Of course this was after the XXXX  due date. The credit card charged a late fee and since XXXX an interest charge. They claimed the {$2500.00} was not paid timely, so it's now treated as a revolving charge. I have paid, {$500.00} on XX/XX/XXXX, {$400.00} on XXXX {$400.00} on XX/XX/XXXX and they allocate the payments to a balance transfer due on XXXX This is to constantly charge me interest at 24.24 % on the " revolving credit " which is about XXXX XXXX  monthly. This balance has not decreased since. I have send emails since XXXX and call on numerous occasions. This defeats the purpose of a balance transfer. This is to keep me in debt by charging me unnecessary fees. This was their doing. I request management and was constantly told the system allocate the payments and they can not do anything about it.
Product: Debt collection

Portfolio Recovery Associates repeated calls my home telephone without leaving a message and after a cease-and-desist letter was sent. A certified letter with return receipt was receive by them on XX/XX/2015 to cease calls to my telephone. On XX/XX/2015 @ XXXX I received another call from them. This call became illegal the moment they dialed the number.
Product: Money transfer, virtual currency, or money service

I sold a house and the title company transferred money on Thursday XXXX at XXXX to my checking account at Citibank XXXX with a federal wire number. Until today Citibank is not able to release the money, I don't see it as pending incoming wire either, nobody can tell me where it stands, they are saying it's a compliance check that they might additional information from the title company but no additional information was requested from the title company They say on the hotline everyday that they are escalating but no response or proactive communication
Product: Debt collection

Portfolio Recovery continues to report a debt on my credit report that does not belong to me. They are calling and harassing me to to pay or settle an account that does not have my social security number and that belongs to a business called XXXX XXXX. I have never given XXXX XXXX expressed or written permission to establish credit with my social security number. I have written the credit bureaus and the creditor numerous times to remove this erroneous information from my credit report and to validate this account or to cease and desist from collection activities. I have yet to receive any validation and both Portfolio Recovery and the credit bureaus refuse to take any corrective action.
Product: Mortgage

I purchased a home on XX/XX/2019 in XXXX, Virginia. The mortgage company on the loan was XXXX XXXX. In XX/XX/2019 XXXX XXXX   sold the servicing of the loan to LoanCare LLC. The community I live requires an additional real estate  property tax referred to as a CDA. This additional tax is paid to the same place as the the usual real estate tax. XXXX XXXX paid the first part of the CDA which was {$790.00} on XX/XX/2019. The remaining {$790.00} due today ( XX/XX/XXXX ) should have been paid by Loancare LLC. Those payments are due on XX/XX/XXXX and XX/XX/XXXX of every year. I called Loancare this morning to ask them if the payment had already been paid. The representative did not know what I was referring to but told me that XXXX should pay it. I called XXXX and the representative there told me that I was the second call he had asking the same question. He informed me that Loancare should pay it since it is included in my mortgage. I called Loancare back and spoke to a representative name XXXX ID # XXXX. He told me that I would have to send him the bill. I asked him if I should send it by fax or email. He said fax but never mentioned it would take 48 hours which seems ridiculous. I faxed the bill and explained to him as well that the bill needed to be paid today. I called Loancare again at XXXX XXXX. to ask if it was paid. the female representative said they had just paid my taxes. I explained to her that this is an additional property tax and should be paid to the same office they paid the other taxes from my escrow account.. she said I would have to email them the bill. i told her I faxed it earlier. She told me that a fax can take up to 48 hours. I told her that the bill had to be paid today and that XXXX didn't tell me a fax could take 48 hours which makes no sense to me. I told her I was going to go ahead and pay it because I didn't want to pay a {$79.00} XXXX late fee. I asked her how long would it take to get my money refunded. She said I would have to send them the information showing it had been paid and the could take 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. US DEPT ED XXXX {$8800.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$530.00} XXXX XXXX XXXX    XXXX {$18000.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$280.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$700.00} XXXX-XXXX XXXX {$490.00} XXXX XXXX {$740.00} XXXX XXXX {$3500.00} XXXX XXXX XXXX {$3100.00}
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

These accounts [ XXXX XXXX XXXX ]. [ XXXX # XXXX ], [ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate. 



And one more thing 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.
Product: Mortgage

Attempting to do a short sale on property of deceased borrower. Court has appointed a PR for the sale of the property. During process bank set a sale date. Bank refuses to remove sale date stating that there is no incentive for them to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I've had to address my Amerihome mortgage  account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to Amerihome on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the XXXX XXXX report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from XXXX XXXX XXXX. I am escalating this issue because AmeriHome mortgage had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that Amerihome already has to expedite the resolution of this issue.
Product: Mortgage

On many occasions Nationstar Mortgage has been unprofessional and disrespectful towards me. I was XXXX military and XXXX ( XX/XX/XXXX ) when they bought my loan from XXXX XXXX XXXX. I had never had any issues, was never late, my monthly payment never changed. When Nationstar took over they had been cashing my monthly payments and applying the funds to another person account that only had the same last name! On my credit report, due to their incompetence, I had negative hits for 6 months showing I was delinquent. I came home from XXXX to find my mail box full of foreclosure threats. To this day ( XX/XX/XXXX ) I still have the negative remarks because they have refused to remove them saying I should have been following up on my account even though I was in a XXXX! Once being home and making my payments to them my amount started changing and they would n't apply the money I was sending because it was short. My monthly payment increased by almost XXXX and no one could tell me why. They would never contact me telling me my funds were short and I would n't find out until the next month 's statement. I received negative hits on my credit again and again they refused to remove them. I just sold the house and the title company sent them the amount they said we owed plus 3 days of additional interest funds just to be safe. Days later Nationstar called XXXX XXXX XXXX left a voice mail stating that the funds were short XXXX. When myself and XXXX from XXXX called them they said the payoff that was sent was more than enough to cover the payoff in their system and they were unsure of the XXXX. I refused to pay the amount until I was notified of a breakdown describing what the extra charges are for. Nationstar has refused to tell me what the extra charges are. They refuse to let us talk to a supervisor. They refuse to put in writing that I wo n't be charged the extra daily interest fees that are accumulating while they 'straighten out this matter '. It is now 10 days past our closing date. Nationstar refused to apply the fund towards my account until they figure out the extra bogus amount and have now returned the payoff funds to XXXX XXXX XXXX. The following email is attached from the President of XXXX XXXX XXXX validating my complaint, an email from XXXX XXXX at XXXX XXXX XXXX showing the amounts and Nationstar 's additional fees being requested, and the payoff sent by Nationstar. All backing my complaints with them.