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

On XX/XX/year> a hard inquiry appeared on my credit report and my husbands by XXXX XXXX XXXX  XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX VA XXXX, will refer to as XXXX XXXX. 

I contacted the creditor, XXXX XXXX, immediately on XX/XX/year>. XXXX  XXXX representative stated no records or accounts appear under my name. 

XX/XX/year>, I reviewed XXXX and Equifax and the XXXX XXXX hard inquiry is reflecting on Equifax. 

XX/XX/year>, I contacted Equifax who advised I take it up with the creditor. Equifax rep suggested I wait two year for inquiry to fall off. Then advised to complete an FTC report and mail it to Equifax Information Services XXXX XXXX XXXX XXXX, GA XXXX. Additionally, I contacted XXXX XXXX XXXX ( XXXX ) XXXX to be transferred multiple times & be advised no accounts are under my SSN. I advised each rep an account does not need to exist for an inquiry to occur. I was provided with ph # ( XXXX ) XXXX as a solution to locate a record of the inquiry. 

Still have not resolved how to get a hard inquiry off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus have outdated information of personal information. The only valid information is as follows : Name : XXXX XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XX/XX/1988 or XX/XX/1988 or XXXX XXXX, 1988
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX dated XX/XX/XXXX Account # XXXX dated XX/XX/XXXX Amount {$31000.00} Account # XXXX dated XX/XX/XXXX Amount {$4000.00} Account # XXXX dated XX/XX/XXXX Amount {$220.00} Account # XXXX dated XX/XX/XXXX Amount {$150.00} Inquiry from : US SM BUS ADMIN ODA dated XX/XX/XXXX have violated my right. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. Also 15 U.S.C 1681 section 604 A. section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT A DUPLICATE COMPLAINT* This is In response to CFPB complaint # : XXXX & XXXX ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T HEARD ANYTHING BACK IN REGARDS TO THEM COMMITING IDENTITY THEFT. BELOW IS MY ORIGINAL COMPLAINT. I NOW NEED CFPB TO STEP IN TO CORRECT THIS MATTER. I BELIEVE THEIR TAKING THEIR TIME TO BRING FURTHER HARM TO ME AND MY FINANCIAL REPUTATION. 

" My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX XXXX XXXX XXXX for a number of federal violations. I have never given XXXX XXXX XXXX XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. ''
Product: Credit reporting

Equifax has changed the status of closed accounts to open status. It seems as when you dispute items on your credit report Equifax will change the status from closed to open on old accounts. I feel that this is an effort to lower your credit score. I have spoken with another family member and they mentioned that they had the same issue with Equifax reporting closed accounts as opened. Equifax should be investigated for this practice.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and notice account that I did NOT authorize in my credit report and its preventing me from receiving new credit.
Product: Mortgage

I am filing a new complaint in response to complaint # XXXX and the response provided by Fay Servicing XXXX Fay Servicing stated the following in regard to the most recent loss mitigation application. 
The most recent loss mitigation application was received and deemed complete on XX/XX/XXXX. Fay evaluated the account for loss mitigation options on XX/XX/XXXX. The account was approved for a Deed-in-Lieu of Foreclosure and the loss mitigation evaluation letter states that you have until XX/XX/XXXX, to accept the offer. However, the letter states that even if you timely accept this offer, you are not entitled to foreclosure protections until the owner of your loan approves the Deed-in-Lieu of the property and as stated above, the investor previously denied the Deed-in-Lieu request in XX/XX/XXXX. Our records show that there is a current foreclosure sale date of XX/XX/XXXX, which was scheduled on or about XX/XX/XXXX. 
This is the very definition of DUAL TRACKING per the CFPB ruling, Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review.
Product: Mortgage

Timeline of events regarding complaint against 360 Mortgage Group and the enormous {$540.00} increase in mortgage payment due to 360 Mortgage Group negligent error in projecting escrow funds. 
XXXX/XXXX/XXXX loan was re-financed/originated with 360 Mortgage Group by consumers. 
XXXX County taxes were paid in the amount of {$1600.00}. At that time the balance was already paid by the title company involved in the re-finance, this resulted in a negative balance. 
XXXX County taxes were paid in the amount of {$60.00}, as this was the difference due following the XXXX over payment and change in XXXX XXXX rate. 
XXXX/XXXX/XXXX 360 Mortgage Group conducted an escrow analysis and determined that the Consumers ' taxes would only be {$120.00} for XXXX, subsequently they issued an escrow refund to consumers for {$1800.00}. 
o Please notes : tax history going back to XXXX is average at {$3000.00}. This should have raised a red flag to 360 Mortgage Group. 
XXXX/XXXX/XXXX an annual escrow account disclosure statement was sent to consumers indicating that the escrow account was severely deficient at a shortage of {$3200.00} which was to be prorated over 12 months at {$270.00} and would raise the payment of {$1400.00} by {$540.00} to {$1900.00}. 
XXXX/XXXX/XXXX Consumer contacted 360 Mortgage Group and spoke with XXXX who advised her that the taxes were only {$120.00} last year and now they were {$3300.00}. He advised that taxes are calculated based on the previous tax year, which does not make sense as the XXXX tax year had a tax bill of {$3300.00}, nowhere near {$120.00}. XXXX assured consumer that a supervisor, XXXX would call her back by 2 business days or Tuesday XXXX XXXX, XXXX. Consumer asked that this matter be resolved and based on 360 Mortgage Group serious error that they make financial amends for this mistake. 
XXXX/XXXX/XXXX No call received from the supervisor XXXX. I called and spoke with XXXX who passed me to the supervisor XXXX. XXXX advised that they will spread the escrow payment over 36 months and this will result in a payment of {$1700.00} as of XXXX XXXX, XXXX, and increase of {$360.00}. I requested a call back from a manager several times and she refused and stated that she was all I was going to get and " managers do n't take calls. '' I advised her that I would accept the 36 months but am still asking 360 Mortgage Group to resolve this financially based on their mistake. This puts a huge financial burden on the home owner of a payment increase of {$360.00}. I again repeated my request for a call back and appropriate resolution to XXXX, but as the call was going in circle with her, I had no choice but to end the call. 
XXXX/XXXX/XXXX XXXX statement received showing payment due XXXX/XXXX/XXXX {$1900.00}. This was never resolved and now the consumers ' payment is increasing by {$540.00}, which is an impossible burden.
Product: Checking or savings account

I'm a customer of Umpqua bank and as soon as I opened my account with them my personal information was compromised for the 7th time after this compromise. I only had {$310.00} and some change in my account and Umpqua bank charged me a {$120.00} fee to protect my funds from garnishment, leaving me with about {$180.00}, they almost took 50 percent of what very little money I had. If you have under a certain amount of money they shouldn't be able to access a fee or garnish either, or access a smaller fee based on the money in your account, this is right after they denied a claim for {$74.00} for an XXXX XXXX that was absolutely terrible to buy because it locked itself after 6 and half days of not being turned on even after I went into settings and manually turned off passcode protection. Now I'm locked out of the phone because it wouldn't accept any passcode I entered and locked itself after too many failed passcode entries. Absolutely terrible, and shameful.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft related to a data breach. 
The fraudulent activity associated with my identity has resulted in unauthorized accounts and inquiries appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit file : Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX XXXX o Account Numbers : XXXX, XXXX, XXXX o XXXX Reported : XX/XX/XXXX and XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$8800.00} XXXX. Creditor Name : XXXX/XXXX  o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$2300.00} XXXX. Creditor Name : XXXX XXXX CO o Account Numbers : XXXX, XXXX o Dates Reported : XX/XX/XXXX and XX/XX/XXXX o Balances : {$2100.00} and {$520.00} XXXX. Creditor Name : XXXX XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1700.00} XXXX. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$150.00} XXXX. Creditor Name : XXXX XXXXXXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} XXXX. Creditor Name : XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$4200.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/2013 my Realtor requested a short sale on my home and was granted 30 days. My realtor found a buyer in 15 days. The new buyer asked for more time to process. My Realtor contacted Wells Fargo for an extension on behalf of the buyer. He was told the Specialist had moved to a new job and there was never an extension and the house was in foreclosure in 30 days. 

I still have a copy of the documents for the request.
Product: Credit reporting or other personal consumer reports

I requested proof of verification from the courts not a third-party for bankruptcy that is listed for my Transunion and experience credit reports. Neither agency has provided proof they both stated that a company called XXXX XXXX verified it.. I contacted the courts and the courts stated they do not verify. Per 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure and please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS on exactly how your agency actually verified these accounts that you are erroneously reporting about me and 1 need the full name of the person you spoke with or who told you electronically that it was verified. If you do not know then you need to find out and if you do not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification.
Product: Debt collection

i have mailed this company to get a 1099C & it's reported on my account that was written off and haven't heard back and it's been over 30 days time frame. If this isn't off my credit soon i'll take legal action if needed. i called asking how much debt i owed them and was told it has been written off and they couldnt fix the problem
Product: Credit card or prepaid card

To whom it may concern : I have applied for the American Express XXXX XXXX XXXX credit card onXX/XX/XXXX and got approved with a {$6000.00} line. Earlier today ( XX/XX/XXXX ) unexpectedly I noticed that my other American Express Bluecash Everyday card that I have been using since XX/XX/XXXX has got a line decrease all of a sudden from {$12000.00} to {$6700.00}, so I called American Express customer service right away. Throughout my conversation with them, it seems that when they approved my XXXX XXXX XXXX card application, they allocated {$6000.00} of my XXXX XXXX card line to the new card, and the only option to increase the line for my XXXX XXXX card is to apply for a credit line increase. This is the problem. First of all, there was absolutely no communication/notification to me regarding the line decrease/credit line allocation between the two cards in any forms after I was approved for the new card. It 's not only a question on credit card line strategies but also a customer service issue - I feel that I was n't fairly treated with my right to get notified regarding the credit decisions that the credit company is making. I understand that credit line decrease is usually communicated before being implemented and it usually has negative impact on credit bureau profile. Secondly, as much as I want to have the new card, I want to have sufficient spending limit on my XXXX XXXX card, and the sudden decrease is certainly not helpful on this front, and has affected my upcoming spending plans. Last but not least, customer service transferred me from one department to another during our conversation without providing much helpful information regarding what the possible solution is for this matter. When it comes to a " final conclusion '' that I need to apply for a credit line increase, I feel it 's beyond unreasonable as they cut the line without telling me in the first place, and by applying for credit line increase, they will have to pull my credit again without any guarantee that the line is able to be increased back to the level it was. To summarize, it was a fairly disappointing experience with American Express, and hope that the issue could be further addressed to them and resolved in a mutually-beneficial way. Thank you very much.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed disputes with experian for multiple accounts that came back verified but was not given any proof or reasoning. I seen they are now being sued for not properly investigating disputes and I feel I have been affected by that. These are the accounts I want removed that I disputed from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Do not bank with Mercury ( Mercury.com )!!! 

1. Their debit cards do not have fraud protection systems built in. If fraudsters get a hold of it, they can run hundreds of transactions in under an hour and the debit card will let it them go through. I banked with several banks and none of them would normally approve more than 3 transactions going through in a sequence, the card would automatically block further transactions awaiting my confirmation via text, email, or phone call. Not the case with Mercury, on XX/XX/2023 my debit card was hit with over 100 unauthorized fraud transactions in under 45 minutes emptying everything in my checking account, the transactions only stopped because the card was declined due to insufficient funds. 

2. Mercury does not dispute fraud charges on their debit cards, they advised me to take it up with law enforcement after 20 days of back and forth, during which all I got was 4 paltry inadequate replies with a tone of overwhelming disinterest. 

3. They do not have any phone support, communications are restricted to email only and they usually reply once in 5 days. 

I am facing serious consequences because of this and I wholeheartedly recommend that do not bank with these online companies especially when say they are not an actual bank. 

Thank you.
Product: Credit card

I have not been late on my credit card but it shows there are late payments that need to be changed
Product: Bank account or service

In XXXX of 2003 XXXX transfers, totaling about {$50000.00}, were arranged from a bank in XXXX, to banks in XXXX and XXXX XXXX. XXXX were unsuccessful, resulting in the loss of these funds despite {$60.00} in bank transfer fees paid. The sending bank, according to their printed wire receipts, indicate that mistaken and incomplete wire transfer numbers were used. Their reports indicate no problem with the transfers, despite the non-receipt by the intended recipients. Because no problems were evident on these reports, and the intended recipients had no basis to know to expect wire transfers, and no verification of these transfers were made, these XXXX transfers have been lost. Both the sending and recipient banks no longer have records, although printed records from 2003 are available. Direct contact with the sending bank has been unsuccessful in securing their cooperation in repayment of the lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XX/XX/XXXXstates they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Product: Consumer Loan

I am dealing with the collection agency Synergetic Communication , Inc. I am questioning how legitimate this company is for several reasons. They do not show up as the creditor on my credit report, and they are unlawfully attempting to collect a debt from me by violating several FDCPA laws. They have contacted me before XXXX my time zone and have also called me several times within one hour. They have also never sent me a debt validation letter to make me aware they are the collection agency assigned and to advise me of my rights to dispute the validity of the debt.
Product: Student loan

In XX/XX/2009, I took out a loan from XXXX XXXX  for XXXX dollars. I immediately began making payments of XXXX dollars every month for nearly 10 years. My interest rate for this loan was a ridiculous 13 percent. 

The loan was sold off to other companies and now it is owned by Navient. After making on time payments for nearly 10 years, and paying approximately XXXX dollars, my balance today sits at XXXX dollars. More than double the original loan amount. 

This is predatory lending. I will not be making any more payments to this company. 

Any attempts I have made to settle the loan have been ignored by Navient. When inquiring about a new payment plan with more affordable monthly payments, they tell me I need to get another job or borrow money from my family. They have no solutions. 

I am a XXXX XXXX  and I am at my max capacity as far as hours go.