23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I noticed while reviewing my mortgage statement with Ditech, XXXX XXXX XXXX, a line called 'Unapplied Amount '. I overpay my mortgage every month. Apparently, this company takes any additional money I mail in for my mortgage, and allocates it to a non-interest bearing account, where it sits indefinitely. Why would I mail money to a mortgage company that does not get applied to the mortgage? Their response is, " You did n't indicate what you wanted us to do with the money. '' What I want them to do is pay my mortgage. How is it legal that they can allocate the extra money I send for my mortgage into a non interest bearing account, make the minimum payment on my mortgage, and continue to charge interest on the remaining mortgage balance? 

The sole purpose of this 'scheme ' of not paying my mortgage with the money I send them is to extend the amount of time I spend paying the mortgage, and prevent me from paying it off early. Why would an account like 'unapplied amount ' even exist? Except to criminally hold my money, for no good reason, to prevent my mortgage balance from being paid down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan that my grandfather co-signed. My XXXX and XXXX  both managed the loans. I have since completely paid of the XXXX. My grandfather passed away and when he did the account status was changed to deceased. When I purchased a home, my credit report reflected deceased on my social security number only for Equifax- XXXX  and XXXX were fine. I went through the remediation process and had confiirmation that it was corrected and I no longer reflected as deceased in XXXX. However, when i went to purchase a car and have my credit run in XX/XX/XXXX, Equifax again reflected I was deceased. I called again and had it remediated again in XX/XX/XXXX. However, it appears while applying for a credit card in XX/XX/XXXX, that my Equifax again reflectes decreased for my social security number.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOL

ATION OF 15 USC 1681EB . DUE TO THE NEGLIGE
NCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute.resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In XX/XX/2022 I filled out a Identity Theft Report about this issue and sent it to the three credit bureau 's with an explanation. I did not open this account. A friend of a friend gained access to all of my information and opened varios accounts in my name. XXXX acknowledged that this was correct and removed it from my credit report, but Experian did not. The letter I sent Experian was also in XXXX XXXX XXXX I need this bad information that is on my Experian credit report eliminated.
Product: Credit card

Capital One Financial Company dba Capital One received a note from me in which they use it to securitize for profits. Capital One breached the agreement between them and I when they closed the account and restricted me access to the credit line since doing this Capital One should legally return the note to restore all parties as before and return all proceeds made from the security that they had this entire transaction. Not only are they violating securities laws by not disclosing this relevant information but they also have released derogatory information to damage my credit and reputation accusing me of being late and the account reporting as charge off when this can not be true. The note provides access to the stock market for Capital One to make infinite money and since Im no longer benefiting I want the money.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to to the bureau 's to have this fraudulent collections account removed from my credit report because I have not contracted with them They/Midland credit management do not have my signature verbal or written
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, and somebody has stollen my Identity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : I am writing to dispute and update incorrect personal information on file with your company.

Please update my records with the following : - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Correct Name : XXXX XXXX XXXX - Correct Social Security Number : Last XXXX ( XXXX ) - Correct Date of Birth : XX/XX/XXXX - Correct Employer : XXXX I request the removal of any inaccurate or outdated information, including incorrect addresses or contact details, as they are not deliverable by the U.S. Postal Service and are not reportable per the FCRA.

Enclosed are copies of supporting documents to verify my identity and provide proof of residence : - Driver 's License - Proof of Residence Please correct these errors and provide an updated copy of my credit report reflecting these changes. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX Enclosures : - Driver 's License - Proof of Residence
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a Notice of Intercepted Funds for a property claim I submitted to the California State Controller 's office on XXXX XXXX 2015. I had paid the debt these fund were intercepted for months prior to submitting this claim. 

The Notice states " If you were due more than the intercepted amount, you will receive a check for the remaining amount of the property in approximately 30 days of this notice date. '' The notice date is XXXX/XXXX/15As of XXXX XXXX 2015, I still have not received the amount due to me. When I call Allianceone, they keep telling me they do n't have the funds. They tell me their records show the debt was cleared months before the claim was submitted but they will not send me the money due to me. 

AllianceoneXXXX XXXX XXXX, WA XXXX ( XXXX ) XXXXXXXXMy account number with Allianceone:XXXXAnother address is : AllianceoneXXXX XXXX, WA XXXX
Product: Debt collection

An erroneous collection claim showed up on my credit report. I have no knowledge of this company nor the company they represent. I never received any bill or anything of the sort and have never done business with either company. I suspect fraud and already have a fraud alert placed with the credit bureaus.This false claim lowered my credit score by 100 points and directly affects my ability to refinance debt and save money for family expenses during the recent weather disaster in my area. 

PROFESSIONAL BUREAU OF C XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEVER DONE BUSINESS WITH THIS COMPANY : XXXX XXXX XXXX
Product: Mortgage

Our home loan lender Chase Bank sent us a mortgage statement showing that our 30 year fixed home loan payment would be increasing XX/XX/2025. Due to a shortage in our escrow funds which we pay off at the end of the year, every year. Chase Bank did an analysis which they felt that it was ok to change our payment according to their analysis for 2025. Im not sure how a bank can change your payment amount in the course of your loan without your permission and give you some lame excuse that according to their analysis it must be changed even if you reject them to do this! 
This has to be illegal? 

Please Advise
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ), 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .My disputed items on my account still reporting to my credit file held with Credit Bureaus . These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Account was reported correct at XXXX point that i received information that changed payment to late truck was traded in XX/XX/2022 and XXXX late payments after trade in and pay off
Product: Credit reporting or other personal consumer reports

Ive contacted that companys that reported charged off/ collection accounts on my report as well as the reporting agencies but the accounts are still there and negatively effecting my life causing me hardship.
Product: Debt collection

My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector.
Product: Checking or savings account

In late XX/XX/year>, I filed multiple disputes with my financial institution regarding fraudulent transactions on my card. Yet, on XX/XX/year>, I discovered that the institution had reversed all the disputed charges, even though they were unauthorized and fraudulent.
Product: Debt collection

Diversified Recovery Servic  es  continues to call and attempt to collect money from me for a  XXXX  account that I never had. I 've disputed this with  XXXX ,   XXXX    and  XXXX . All have been removed. Once ever y 2-3 mo nths they will pop back up and I have to dispute them again. I 'm tired of telling  XXXX  and their  collectors to stop calling me for a debt that is not mine! I 've explained this to all of the collectors  and to  XXXX  and it ' s STILL hap pening!
Product: Debt collection

I am the victim of identity theft. I discovered this 4 years ago when I was purchasing a new home. I have reached out to all 3 bureaus and sent all 3 bureaus a copy of all my identifying information along with a police report. I have had debt collectors attempt to come after me for debt owed to them under fraudulent premise. I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. Jefferson Capital Systems flagged my credit reports for a debt that was taken out using my social security number, my 1st name " XXXX '', but a different last name. My name is XXXX XXXX XXXX. The debt owed was in a name belonging to " XXXX XXXX '' ( a name I never went by ) I reached out to Jefferson Capital Systems and alerted them of this error. I was told by one of their reps that this case was given to " XXXX '' another collection agency. I reached out to XXXX and made them aware of the identity theft as well as the name issue. I was told by the XXXX rep that they were sending this case back to Jefferson Capital systems. I called Jefferson Capital Systems back and was told I had o wait until they have the case back. I asked why did I have to wait to address a fraudulent account. I waited a few days and called them back again. Also, I have never had an account with the original debtor " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I would like to follow up my concern regarding specific accounts on my credit report that should have been removed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated an international transfer of {$500.00} but that was not delivered. It has been six long years of them keeping my money! I received a letter from Ria asking me to complete a form and a copy of my drivers license in order to receive the funds back. I sent all the documents on XX/XX/XXXX, but I have received absolutely no response despite numerous phone calls and follow up emails. Even the phone number on the form is deceptively wrong, and nobody picks up. They are deceptive and contantly lie because they do not call back as promised, and they do not honor their commitments. ( Ria Transfer Order # XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report as a result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report and request that you remove all accounts and inquiries resulting from fraudulent activity. 

Details of Disputed Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Identity theft These accounts were opened or accessed without my knowledge or authorization, constituting identity theft. Enclosed, I have provided the following supporting documentation : A copy of my government-issued ID A copy of the Federal Trade Commission XXXX FTC ) Identity Theft Report ( Reference Number : [ XXXX ] ). 
A police report. 
Legal Basis for Dispute Under 15 U.S.C. 1681c-2 ( FCRA ), I have the right to request the deletion or blocking of information related to identity theft. Additionally, under 15 U.S.C. 1681i, the credit bureau is required to investigate disputed information and respond within 4 days. 

Requested Action I request the following actions : Remove the fraudulent accounts, inquiries, and related negative information from my credit report. 
Send me written confirmation of the removal. 
Provide me with a free updated copy of my credit report reflecting these changes. 
Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information. I expect to hear back from you within the legally mandated timeframe.
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX/XXXX  XXXX, XXXX, XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX, XXXX/XXXX  XXXX, XXXX, XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account there is no balance owed
Product: Credit card or prepaid card

On XX/XX/2021, someone broke into the common area of my condo and stole all my mail. I applied for a Citibank checking account and the debit card was also in the mail. Traveling abroad at the time, I received notification from the bank that my account was activated, which I did not do. Someone has stolen the debit card Citibank sent me and used the card to withdraw {$1000.00} from an ATM. Upon discovering the transaction on my account ( I logged onto the account on Citibank.com ), I immediately reached out to the Citibank fraud department through phone call the same day and notified them of the fraudulent transaction. I also filed police report with the XXXX, CA police department. 

After returning from my trip abroad, I visited Citibank in person at the XXXX, CA branch and the bank staff told me that the phone agent didn't correctly freeze my account and there were more fraudulent transactions on my account. I filed fraudulent report with the bank 's fraud department on all those transactions. The bank has access to the fraudulent checks that the thief has written on file, but refused to refund the two fraudulent transaction amount {$210.00} and {$1000.00}.
Product: Credit card

Barclays Bank Delaware XXXX XXXX XXXX XXXX, XXXX DE, XXXX ) has twice in a years time issued a credit card fraudulently in my name to thieves, after contacting XXXX my credit score, XXXX whom I had requested a credit freeze. Additionally, they substituted the phone numbers of the thieves for my contact telephone number into my personal information XXXX. This was just descovered in XXXX while monitoring my credit reports. Finally, after being notified by phone, by mail and by XXXX, they have not removed the fraudlent account from my credit file XXXX after 8 months! XXXX. Please investigate Barclays Bank which appears to be fraudulent themselves.