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

I received a checking account statement on XX/XX/2021 for an account that was opened fraudulently in my name. There was a XXXX balance and no activity at that time on the account. I immediately contacted TD Bank customer service and fraud departments to report the fraud and close the account. I didn't understand how the account was opened since my credit has been frozen with all three credit bureaus for many years. I was told that a credit check wasn't done. I thought that was required!!! I also filed a police report on that day. 

I sent a XXXX letter on XX/XX/XXXX restating the problem and requesting the account be closed. I asked for written confirmation that it was closed, that I was not libel for it and that it would not be reflected on my credit reports. I received confirmation from the postal service that the letter was delivered on XX/XX/XXXX. 

I again received a statement in XXXX still NOT showing the account was closed. As of today I have not received anything to show this account has been closed. 

My concern is that TD Bank did not perform the required credit check. If they had the account could not have been opened since there was a credit freeze on my files and I would have been contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request to verify the documents used to publish these account to my credit report. The FCRA requires that specific documents be provided to the credit bureaus in order to publish item on a persons credit report. This is a official request to produce the documents used in order to do that. The original wet signature must be included. Please forward all document to my address listed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a mortgage loan from XXXX with {$0.00} balance, collection/charge off from I C Systems Inc with a balance of {$140.00}, and credit cards from XXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX  XXXX with a balance of {$1600.00}, and XXXX with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year an account was opened in my name for a credit card with a limit of over 2000 USD and was maxed out instantly using incorrect personal information. When i contacted the credit company they had incorrect phone number and address on file for this fraudulent account proving it was made by someone else. This was 100 % fraud. Late payments started showing up on my credit report damaging my score. The account was closed and then reopened when i attempted to rectify the issue with the credit company. I have tried several times to receive help from the company but they have done everything to ignore my issue and continue to claim the account is mine while sending late payment notices every month. I hired a credit repair company to investigate the matter but were only able to remove one item from my credit report. They were able to prove the account is fraud but for some reason they couldn't get the major credit companies to go further into removing more than the one item from my credit report.
Product: Mortgage

I XXXX XXXX submit this complaint against Bank of America for failure to modify my Home Equity Line of Credit according to my XXXX mortgage modification, whereas I 'm unable to afford XXXX payment. My home right now is only worth about {$250000.00} my XXXX mortgage balance is {$240000.00}. which was modify under the making home affordable program. My XXXX lien balance is currently {$560000.00} my income can not meet XXXX payments at this current level. I filed a discrimination lawsuit against Bank of America in XXXX Court the judge granted Bank of America summary judgment. I lost the case, due to this reason I believeBank of America is refusing to be fair with me the reason they want give me an affordable modification payment. I really wants to keep my home at this rate with XXXX loans I really do n't know how I can afford it. Right now I feel like I 'm lock in this loan forever. It 's no way I will be able to refinance this loan. Please Help!!!
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan and the interest rates 159.25 %
Product: Debt collection

My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..
Product: Credit card or prepaid card

In XX/XX/XXXX the credit card was used to post a fraud check, from where I have no idea. Then once paid they began to charge it back up. The check seemed to clear prior to it being ran up again. 

I do n't remember exactly when they told me that a check from a payment bounced, i 'm sure it was not just a few days, more like a month or so later. I know it only takes a few days to a week for a check to clear and the person that cashes it would know if it did bounce. 

Once it " bounced '' they cut off ALL my credit cards, which put me into a bit of a financial problem. I need to use the cards because my pay for my jobs was delayed for more than 30 days often. 
I had 3 cards with them and if there was a problem with one account it should not have effected the others. I kept telling them I did n't do those things. They said it did n't matter. I just kept trying to pay them, some time with a late charge but ot 30 days late.

XX/XX/XXXX they posted the " bad '' check back onto my account and I called them and they said they opened a fraud case, but never got back to me. I tried calling them several times. I finally gave up and opened a case with the BBB, Capital one came back and said they would not doing anything about my issue. which is why I 'm reaching out to you. I have a log of activity, the BBB compliant info. I will provide you with everything I have. 

I have since XXXX-XXXX only making partial payments.
Product: Credit card or prepaid card

I have submitted this before, a few weeks ago. When XXXX closed, Synchrony bank sent a mastercard out to me, and transferred the XXXX balance onto it without my permission. I informed them I did not want it, but they insisted that it has to be that way. I don't understand how someone can issue a card without permission, and I don't want it. I just want to pay on my XXXX charge, not a XXXX XXXX  XXXX XXXX ' by Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 12years I have not been able to achieve or get any promotion due to the false report of my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several emails and letters to capital ones CEO Mr. XXXX XXXX. I received a phone call in XXXX telling me that the late payments That were reporting would be updated/removed and congratulations. 3 weeks later I received a letter stating that they would not be updated. I then sent another letter and email and was told that they had to report accurately when in fact I have proof that they have changed late payments for several people And I have copies of the letters. I had a medical complication but apparently this company does not care about their customers like they claim they do. The first person I spoke with in XXXX should not have lied and told me they would be removed within 30 days. Calls are recorded so please go back and listen to the call. Very unprofessional of your staff! ( Attached is proof that you all DO DELETE LATE PAYMENTS! So dont tell me that you dont )
Product: Mortgage

The issue relates to the reset of my mortgage rate. My home mortgage resets annually, previously using XXXX as a benchmark. M & T took much more than the industry standard of time to convert from the use of XXXX as a benchmark for mortgages ( mine included ) resulting in much higher reset rates for me ( and I'm sure ), many others. The industry standard is XXXX which is based on actual transaction volume. M & T does not use XXXX. Last week my mortgage rate reset using the XXXX XXXX XXXX CONSUMER CASH FALLBACK - XXXX month which is supposedly more fwd looking to account for a mortgage that resets annually ( vs XXXX which is a daily rate ). I'm not convinced this is the case. The XXXX benchmark they used is not only synthetic but is also over 5 % vs approx XXXX for XXXX which ( along with my contractual spread ) makes my mortgage payment unnecessarily higher. This has happened year after year. I've been in securities finance for over XXXX  years and this is egregious behavior by M & T serving to only inflate their profits. It's greedy and unnecessary. Their borrowing costs are not based on XXXX and they are unduly profiting from me. 

M & T should be called out for their greedy practices and use the proper benchmark. My mortgage should have reset much lower- in the 6.5 % range. I suspect there are many others to whom they are doing this. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several accounts with XXXX XXXX and never paid them late ever. In XX/XX/2017 my bag was stolen or removed from my lounge chair at the beach where my bank cards were located. I called my institution and requested they close the cards immediately, and they closed the account instead of just the card. I learned of the error and called XXXX immediately, and the representative said she was placing a note on all of the accounts as she could do so. However, this rep only placed a note under one account " XXXX credit card '' and not the other 6, so when payments were to be canceled or pushed to a later date until I got back home to open a new account. 

I have called several times and each time I was assured all was well. So, ten days later XXXX did a credit line reduction on all of my cards because I reported an issue. When they did this my credit score fell well below the excellent rating I'd had. With XXXX  doing such it causes the other creditors who I have cards with to receive a low score and they inadvertently closed some of my accounts. Wehn XXXX decided to do this it made me appear to have maxed out my credit limit which was never the case for me. The account where my limit was XXXX they reduced it to a XXXX as I had a balance of XXXX. Therefore, it made me appear that I was maxing out my limits which reduced my scores significantly. 

I have written to them, called, and until this day nothing has been done. They have sent one of their accounts in which I had flex pay on to collections as they reduced the limit the payments could not be withdrawn from the plan. There is and was plenty of availability for the charges to continue under this one account but they removed the details from the account and created a bigger problem. 

I need a resolution asap. I pay every bill on-time every month ....
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request of Debt Validation and errors reporting in credit report Status showing current and paid by insurance company which mean i don't owe XXXX Account number XXXX Also i uploaded a copy of my credit report and i highlighted all the incorrect informations.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account on my credit report that is being inaccurately reported by Wells Fargo EFS. The account in question is listed as a closed account, marked as a charge-off/in collections, despite being paid in full and in good standing. This erroneous reporting has been negatively impacting my credit since XX/XX/XXXX, despite the account being closed since XX/XX/XXXX. 

I have taken the necessary steps to rectify this issue by contacting both the credit bureaus and Wells Fargo EFS directly. Despite my efforts, the inaccurate information persists on my credit report, unfairly tarnishing my credit history. 

I would like to emphasize that the account in question was settled in full and was never in collections. It is unacceptable for Wells Fargo EFS to continue reporting this misinformation, especially given the significant impact it has on my financial reputation. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Wells Fargo EFS updates my credit report to reflect the accurate status of the account. Additionally, I request that any negative marks associated with this account be removed from my credit history, as they are unjust and unwarranted. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and prevent similar occurrences in the future.
Product: Debt collection

I recently discovered that P & B Capital Group , LLC reported a collection account to XXXX without ever notifying me beforehand. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), a debt collector is required to send a written notice within five days of their first communication with a consumer, detailing the amount owed, the original creditor, and the consumers right to dispute the debt. I never received such notice from P & B Capital Group before they placed this collection account on my credit report. 

When I became aware of the collection, I immediately sent a formal debt validation request via certified mail requesting verification of the debt. Specifically, I requested : Proof that P & B Capital Group legally owns or was assigned this debt ( including a chain of transfer from the original creditor ). 
A full itemized breakdown of the amount owed, including any interest or fees added. 
Any contract, agreement, or documentation bearing my signature that confirms my obligation to pay this debt. 
Proof that they are licensed to collect in Tennessee and are in compliance with applicable state and federal laws. 
A copy of the initial notice they were required to send within five days of first contact.

P & B Capital Group has failed to provide any of this requested documentation.

Since they have not validated this debt, I believe this collection should not be reported to XXXX and request that the CFPB investigate this issue. Additionally, their failure to provide prior notice deprived me of my legal right to dispute the debt before it was reported to my credit file. 

I request that the CFPB : Investigate whether P & B Capital Group provided proper debt validation before reporting this account. 
Ensure that P & B Capital Group ceases collection and removes the account from my credit report if they can not provide proper validation.

Require P & B Capital Group to provide a full and accurate accounting of the debt, including proof of ownership and the original creditors details.

I am also considering filing additional complaints with the Tennessee Collection Service Board, the Federal Trade Commission ( FTC ), and the Tennessee Attorney Generals Office if this issue is not resolved promptly.

I request CFPB 's assistance in holding P & B Capital Group accountable for potential FDCPA and FCRA violations and ensuring fair treatment for consumers. 

If there are any arbitration agreements that are active I would like information on that as well
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 privacy and confidentiality under USC 1681. 

I told the XXXX, Transunion, XXXX to reinvestigate these accounts ; Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX, XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Number : XXXX XXXX XXXX XXXX # XXXX Account Number : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX . However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to15 USC 1681i ( 5 ) they are suppose to be modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 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.to Also, they aren't even in compliance with metro 2 credit reporting. i have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Mortgage

Hi my wife and I refinanced our existing fha mortgage 1st week of this past XXXX to consolidate some debts with loan depot. The process from start date of about early XXXX until closing XX/XX/2019 was the most brutal, highly stressed, misinforming, agonizing process my wife and I have ever had to deal with. XXXX XXXX was our loan officer who at one point left us hanging with no communication for 2 weeks until her manager XXXX XXXX got involved and took over apologizing for XXXX actions and how she handled this. XXXX was just as bad with communication, lingering, and ended up having XXXX retake over the loan without informing, which i gave a second chance to just move forward and finish the loan but shouldve known better with so many red flags that we were not represented properly. We were also told lies that we found out after closing. One lie was we were told we would be recieving about {$8000.00} escrow refund check from XXXX XXXX XXXX our first mortgage. I recently inquired and found out it was about {$850.00}, huge difference and complete lie. Second lie was that we can apply to hud after closing to get prorated return premium on our up front mortgage insurance premium on first loan with XXXX XXXX XXXX. That was a lie as well after we spoke to hud, hud explained there would be no return premium and that a credit was applied already to loan depot loan, which is completely fraudulent on XXXX XXXX and loan depot. Also our closing disclosure kept changing and also changed on us right before closing with amount of cash to close at table around {$23000.00} and we continued and went thru just to get over this long brutal process that we could not imagine starting over again with another company. Also keep in mind we were told we would get back {$8000.00} escrow check and a prorated return premium for up front mortgage insurance which we only had the first mortgage for about 2 years so we thought several thousand dollars since we did pay about {$6000.00} on 1st loan. Another lie after Hud informed us not true. We thought we would be getting back $ 10-12k dollars back in checks which is the main reason we put down so much to refinance, otherwise it doesnt even make financial sense. This loan from begining to end between XXXX and manager XXXX, was completely disturbing, fraudulent, misrepresented, and unethical. Our livelihood is on the table and not taken into consideration not 1 %. This was cruel, unethical, incompetent on their behalf, fraudulent, and wrong on so many level. They should be held responsible for all this at the highest level possible and their license should also be questioned and they both should be investigated as im sure im not the first or last consumer who has dealt with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.