23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

I have tirelessly pursued the removal of fraudulent items from my credit report, submitting multiple disputes to your agency and providing extensive evidence to support my claims of XXXX and identity theft. Despite my persistent efforts and numerous follow-ups, these fraudulent items persist on my credit report, posing a significant threat to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Mortgage

This complaint is about continuing problems with the CFPB 's case number XXXX. Pennymac provided a response, and the CFPB closed the case by relying on the company 's false statement. 

The company 's response is misleading and deceptive. The closing was scheduled to take place on XX/XX/XXXX, but the notary public employed by the title company did not show up. There was no communication from Pennymac and the title company. I called the notary public and was told that the loan was terminated. 

Even now, I still have not heard from Pennymac. It is unbelievable that the company provided false statement to the CFPB. The company 's conduct is illegal and reprehensible. It should be fined, and its license should be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/XXXX, I see two fraudulent transactions on my HSBC checking account ( XX/XX/XXXX and XX/XX/XXXX ). I reported ( by chat ) them immediately to HSBS. I have never used my debit card and the transaction were reccurent transaction of XXXX, which I also reported to HSBC as it means that they had a databreach or unauthorized access by an employee. The same happened to my partner for 6 months. 

A few days later, I received a conditional credit, then permanent credit for one charge as well as a letter. 

On XX/XX/XXXX, I chat with HSBC to inquiry about the second charge, the agent tells me that only one charge has been reported as fraudulent and that he reported the second charge as fraudulent. 

On XX/XX/XXXX, I chat with HSBC again, the agent tells me that the second charge has been reported as fraudulent but that " there is no notes on my profile regarding the additional fraud submitted '', the agent confirmed that the second charge is not reported. 

On XX/XX/XXXX, I chat with HSBC again, and the agent told me to wait a few mroe days. 

Today as XX/XX/XXXX, I have no news.
Product: Credit card or prepaid card

After the complaint against Barclay for them messing up my account, they lowered the limit on my card as retaliation. NO other card has done this. I was also supposed to receive a letter stating that my credit and so forth would not be impacted by this mess they created. None of that happened and even after an email, the office of the president didn't respond.
Product: Mortgage

***PHH Mortgage Services , Ocwen loan, XXXX XXXX  XXXX . al. didn't post most 0R ANY OF MY MORTGAGE PAYMENTS FOR 18 YEARS. ***. WHO KEPT MY MONEY? WHO KEPT ALL MY MORTGAGE PAYMENTS? VERY STRANGE. Please stop phh for foreclosing on me this XX/XX/XXXX. They sent notice of sale for foreclosure and I had a light XXXX and my XXXX hasn't stopped beating fast palpitating, yet. PLEASE STOP ILLEGAL FORECLOSURE. 

I would appreciate it if you will open my case, because phh mortgage services has no proof I didn't pay for 18 years. If this were true all those approximately 15 mortgage companies that flipped my house would have foreclosed on me years ago but XXXX I'm still in my home because mortgage companies banks told me many of my loan mortgage payments were lost, stolen or applied to other homeowners accounts. I mailed volumes of my payment receipts mortgage and all those companies said they would make copies mail back to me but when I inquired all companies said due to changing hands reorganizing workers loss movers threw away boxes of customers receipts including mine ; thus phh has NO proof I didn't pay. XXXX I paid. Company had class action suit. XXXX XXXX, Ocwen loan, XXXX XXXX XXXX all had charges from government. 
WHERE'S MY MONEY? 
Additionally, phh mortgage took over my loan around XXXX and are charging me with payments from XXXX to XXXX. This is wrong doings fraud misrepresentation. Please have my title deed issued to me. 
These companies banks are lying to steal my lovely home. PLEASE STOP ILLEGAL XX/XX/XXXX home sale ASAP. My heart hurts.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FRA ), credit reporting agencies like XXXX must ensure the accuracy of the information they provide. In XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that credit bureaus have an independent duty to investigate disputes from consumers and can not simply rely on information from creditors. 

All information that you try to verify please provide proof that you conducted a throughly investigation and provide who looked over the file, who you called to get the information, what reports, what dates, receipts, contracts to show that the reporting was 100 % accurate and fully verifiable. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid off balance on my capital one credit card and no longer used it XX/XX/XXXX. But I did have an error of a recurring annual charge from another company that a failed to cancel made XX/XX/XXXX. The charge appeared on my credit card. Because I selected paperless billing all of the notices and late notices came through an email account. Because Capital One spams so much all their e-mail went to junk mail. During this time my wife was XXXX, I was taking her XXXX daily, staying nights XXXX, etc. Her XXXX is finishing up and we finally decided to purchase a home. I go to apply for the loan and this charge and three months shows up on my credit report. I pay off the balance immediately and contacted them requested a good will correction. Because they did not notify me by any other method then a block e-mail account I now have a bad credit score from what was otherwise a perfect history and because the infraction was so soon it was a huge impact. Requesting the adjust they refused citing they report everything accurately. While in fact true, their notification policy that I foolishly opted in for is the only reason the issue occurred. Never again will I use paperless billing only. The objective of the FCRA is to protect consumers with accurate and fair information. I feel this infraction is unfair especially cosidering my relationship with capital one was perfect and accurate on time payment for years. I only run into the problem when I pay off the balance and they no longer want to work with me. My interest rate will be more than 0.5 % higher than otherwise.
Product: Bank account or service

I have an original certificate of deposit from XXXX XXXX and Loans. It was lost in my fathers safe for 30 years. The bank has since closed and the accounts are now being held by Wells Fargo. I went to my local Wells Fargo branch and received little help. I got the feeling that I was not acknowledged due to the potential pay out of a CD for {$6600.00} at 8.95 % after 30 years. Wells Fargo said that they researched it and could n't find anything on it. I told them it was not paid out as I still have the original certificate. I would like to be paid out for the certificate. The account number is XXXX XXXX and it was issued on XXXX. It is issued to XXXX XXXX in trust for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My complaint is one I'd imagine many American citizens living overseas have. All of the online forms for annual credit reporting require you submit your US address, and if you've lived abroad, you often can not verify the address on their online forms in order to obtain your credit report.

To Experian, as they are the credit agency a student-loan-refinance company used to obtain my credit, I did a request a complaint via mail but received no response and I did not seem able to contact them. There was no response via mail I submitted several months ago ( I believe in XX/XX/2017 ).

I have found it impossible to obtain my credit report because of address verification. So many online systems ( including the IRS ) fail verification on online forms for people living overseas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XX/XX/XXXX -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX Late Payments. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : Bankruptcy XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When calling in to Navy Federal Credit Union for the last two months customer service representatives have been unable to locate accounts and asked me if I am sure I had credit cards with Navy Federal Credit Union, resulting in me able unable to make payments. This is the only payment option available due to the current restrictions on account. When calling in to Navy Federal, Credit Card accounts are not linked to SSN but they report credit cards to Credit Bureaus utilizing SSN.
Product: Credit reporting or other personal consumer reports

My right to privacy as a consumer has been violated. FCRA 15 USC 1681, 15 USC 6801, 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, XXXX  XXXX, portfolio recovery associates , LLC whether verbal, non-verbal, written, implied or otherwise is revoked. Additionally,15 USC 1681C ( a ) ( 5 ) clearly states that no consumer reporting agency may make any consumer report containing any of the following items of information, other than convictions of crimes which antedates the report by more than seven years. And finally, in accordance with12 CFR 1016.7, I am opting out of your reporting services.
Product: Debt collection

I reached out to SYNCB/AMAZON numerous times agreeing to pay if the debt was validated.I sent out letters registered mail, which are attached for proof. I requested a copy of the contract binding SYNCB/AMAZON and XXXX XXXX XXXX Also statement showing they were the holder in due course. They haven't met any of my requests within the timeframe allotted. The debt was not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the inconsistencies of my XXXX credit scores from the three credit bureaus. My XXXX  XXXX  score is XXXX. However, my XXXX score with Equifax is XXXX and XXXX  is XXXX which is over a XXXX point difference. Their explanation is that since my husband and I hit a snag in his income early in 2019 and had late payments on two accounts, then we will always be late making payments, which is not a fair assessment on anyone because life happens. Also, our income is far greater now than two years ago and we have consistently made on-time payments on all of our accounts and have never been late on our automobile loan, which is the largest debt in the past 3.5 and no late payments in over two years on any other accounts. This is not fair credit reporting nor fair in my scores and there should not be a 50+ point disparity across the three credit bureaus. It seems that during the pandemic, Equifax and XXXX  has fallen asleep in updating my FICO scores.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding some inaccurate items on my credit report that are negatively impacting my credit score. Despite my numerous attempts to resolve this with the collecting agency, it remains unsolved. I request immediate investigations and removal of these items from my credit report as they are incorrect and do not reflect my true credit history. 

The following items need to be removed from my credit report. 

LVNV FUNDING LLC {$3200.00} ( XX/XX/year> ) LVNV FUNDING LLC {$1800.00} ( XX/XX/year> ) XXXX XXXX {$1300.00} ( XX/XX/year> )
Product: Checking or savings account

XX/XX/2022, {$15000.00}, I called the company to let them know I didn't authorize a wire transfer of the funds out of my account. I could see that they had the funds pending at that time. I was told that the funds wouldn't leave my account sense it had been flagged as fraud. Than my account was locked and I couldn't log in anymore. when I went down to the bank the funds had been transferred from my account. And they declined to refund me the money. Talking about I know the person. Which is a lie in itself. So I filed for a appeal for them to review the case again. Got a email today XX/XX/2022 and they said they still declined to hive me the funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to mark my legitimate credit disputes as frivolous. I'm starting to interpret that as willful non-compliance in their continued reporting of a negative information that does not belong to me to me. See attachment.
Product: Credit card

Dear XXXX, I am writing this letter in support of my dispute with American Express and XXXX XXXX. I had purchased XXXX XXXX XXXX tickets with my Amex Card in on XXXX XXXX XXXX. Due to medical reasons my parent could not fly and we had to cancel the trip last minute. We requested XXXX XXXX for a refund and they would not honor the request inspite of this being a medical emergency. 

We filed for a dispute with Amex in XXXX XXXX. The result was in the favor of XXXX XXXX. Terms of settlement were that the fare can be used by my parents for a period of a year and a change fee will be applied. 

In XXXX of last year we found out that my mom can not can not fly for extended period of time due to medical reasons. ( 18 months ). Per documentation from XXXX XXXX, if the customer can not fly for an extended period of time, with a supporting medical letter, they will honor a refund. I contacted Amex and filed a dispute in XXXX XXXX. I repeatedly asked the agent to accept the medical letter. I was told that Amex would n't need XXXX to support my case. The case was ruled in favor of XXXX XXXX. 

I reopened the case in XXXX XXXX. I sent a support letter and a copy of the medical records. My argument was very simple. Please refund the money or issue a transferable credit that XXXX of our other family members can use. For a Third time the decision was made in favor of XXXX XXXX with the same terms, that the member can use the credit to book a flight upto a year. i.e. XXXX XXXX. They ( XXXX XXXX ) also said that supporting medical letter was not enclosed. I had sent the letter and Amex has received it. The dispute department failed to attach the letter. 

The Airline now refused to issue any credit as its past the 1 yr period. 

For the fourth time I reopened the case in XXXX XXXX. I sent an explanation letter as requested by Amex, and a copy of the medical records again. I explained to the associate the problem that Amex did not provide the medical letter which XXXX requested. I was assured that this would not be the case and this time it would be a smooth sailing as they have all the documents on file. I was assured that Amex has great customer service and this is a XXXX off exception. For a 4th time the decision was made in favor of XXXX XXXX who also said that supporting medical letter was not enclosed. 

It is past the 1 year deadline. Amex has dropped the ball 3 times and now I have lost the money paid to XXXX XXXX because they fail to do their part.
Product: Debt collection

Dear, debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you