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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX I am writing this complaint because I have tried working with the company and the credit bureau to resolve the fraudulent accounts that are on my credit report. I have provided them with a copy of my drivers license and a copy of my Social Security Card as proof that I never opened any of the accounts listed and they are saying that because they have my personal information and the wrong address this is my account. But this is truly Identity theft and under the section 1681c2. Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. Of 15 U.S. Code 1681c2 - Block of information resulting from identity theft The following accounts must be removed and permanently locked from my credit report. 
The accounts are listed as : XXXX. XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX Open XX/XX/XXXX XXXX. XXXX Account XXXX XXXX XX/XX/XXXX XXXX. XXXX Account XXXX Open XX/XX/XXXX I am asking that your company make them comply with the FCRA or fine them and I will also file a lawsuit against them.
Product: Mortgage

I Paid Mr.Cooper ( Who is servicing my loan ) XXXX dollars extra above the agreed mortgage payment. The extra XXXX dollars should have been applied to the principal, yet Mr. Cooper without any authorization made a double insurance payment to the home warranty account, in the amount of XXXX instead of the normal XXXX, and only applied. I called them and requested them to reverse the payment, but have failed to reverse it or reduce my principal in the amount of XXXX. After three attempts to get this corrected, Mr. Cooper informs me they are unable to reverse this payment due to it's been paid to a third party. My account was not outstanding, and I am not being charged interest on the home warranty, yet Mr. Cooper paid my home warranty to continue to keep their loan gaining additional compounded interest on the XXXX.
Product: Credit reporting or other personal consumer reports

This problem been persistent. Equifax failed to resolve my issue I even went to extent of filing a police report. Fraud mail is coming to my house. XXXX XXXX XXXX XXXX XXXX, and I am being taking advantage of.
Product: Checking or savings account

I opened a chase checking account on XXXX XXXX XXXX XXXX XXXX AZ XXXX with a bonus offer to get XXXX dollars to open a checking account. I met all the requirements on the coupon and chase refuses to give me this bonus because I have claimed it before. Nowhere on the terms does it say that is the case. It says not available to customers with accounts which have been closed in 90 days. My account was closed a year ago. Please help me on this. I met all stated requirements.
Product: Money transfer, virtual currency, or money service

I would like to draw your attention to XX/XX/2021 - I had sent my complaint letter to Wells Fargo, in which I clearly stated how this scam has affected me personally, psychologically, and financially. I am afraid I have had to go through so much " bureaucracy '' thus far to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one acted immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Wells Fargo never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. More in the letter attached, I attached my letters I sent to them and their replies
Product: Debt collection

Hello I have had a notive from Pioneer Credit Recovery , Inc in NY and can not get hold of a representative. The XXXX XXXX XXXX that i have was paid last year through pay.gov Now the US Department of Treasury office in XXXX Alabama deducted the balance from my federal refund.
Product: Credit reporting or other personal consumer reports

I didnt open this. This is fraud See other complaints for reference number
Product: Credit reporting or other personal consumer reports

this is my second dispute regarding accounts on my credit report that does not belong to me i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX . # XXXX {$150.00} -XXXX XXXX XXXX # XXXX {$5300.00}
Product: Credit reporting or other personal consumer reports

XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX Incorrect address:XXXX XXXX XXXX XXXX XXXX, NY XXXX , XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect birthday : XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 
XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX XXXX date of inquiry : XX/XX/XXXX XXXX  date of inquiry : XX/XX/XXXX XXXX date of inquiry : XX/XX/XXXX Equifax Incorrect address : XXXX XXXX XXXX XXXX XXXX, NY XXXX 15UBC1681B ( C ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries, expect as provided in sections 15 USC 168g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record inquiries in connection with credit or insurance transaction that is not initiated by a consumer. 

unauthorized inquiry : XXXX date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several name variations that are not mine and should be removed. It should reflect XXXX XXXX XXXX XXXX, as this is my legal name. Inaccurate information like this can lead to fraud, identity theft, or confusion about my financial history, and it violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate. My credit report should only contain my verified and correct details. Please update my report promptly to ensure its accuracy. Thank you for addressing this matter quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR, MI XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$20000.00} STATE OF MI OFFICE CHI XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance XXXX {$1300.00} STATE OF MI OFFICE CHI XXXX Balance : {$5400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$620.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This problem is with Regions Bank. XX/XX/19 I had my Direct Deposit to come through. On that said date i paid some bills and etc. By XX/XX/XXXX I looked and I only had {$1.00} and i thought o wow. So i transferred the {$1.00} onto another card. When i went back and looked it showed me XXXX balance. So then i did overdraw - {$190.00}. Which in my checkbook register it shows now i should owe the bank - {$230.00}. The next day XX/XX/XXXX it first shows i am - $ XXXX.I was like what? Then with my very on eyes while i was on the website i saw my transactions move..it then went to - {$680.00}. Then it shows - {$480.00}. And that is what they are saying i owe. I called there 800 number they would not fix it cause they said it was pending..what no i have proof of receipts it came out then. It usually always come out as soon as i use my card. Few days later i talked to someone at my local branch and she said it was because of pending transactions i told her that is not possible that i had my deposit to cover those. She said its because they go form big to low in posting ordering. I said that is not my fault. Well the lady from my local branch sent me some documents..but it does not show when my deposit was made..but it does however show that it was and overdraft fee of 2 pending which was the {$1.00} and - {$190.00}. so i thought why did they do this on my {$1.00} when that was not overdrawn, But it shows what my debit card paid most all on the XXXX that it was NSF,. How could it be NSF when i had my Direct Deposit few days before to cover these bills. Now i know i am at fault for the - {$190.00} plus {$36.00} fee..and i don't mind paying that. But they took {$250.00} in fees from me. I called the 800 again and they said it could not be waived cause i already had 1 in XXXX which by the way i caught and told them that was not right and they waived it..so in XXXX that was their fault too. So XX/XX/XXXX I was on Regions Bank XXXX page seen how they have done this to alot of people. Alot was mad..and i made some comments., when i did someone from Regions told me to email them my phone number. So i did. She called and said she was just in the complaint dept. Took all my info..but didn't really say what she was gon na do., but said i don't know if i will call you back or not. So how am i supposed to know if they look into it? I just want my {$250.00} fees waived back to me! This thing they do which is called reordering transactions should be illegal. Thank you for your time in reading this.
Product: Money transfer, virtual currency, or money service

Dear PayPal Team I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. 

I believe that this limitation has been imposed in error. To the best of my knowledge, I have diligently adhered to all PayPal policies and guidelines. I have never engaged in any activities that could violate these policies, and I have always strived to maintain a clean and honest record with PayPal. 

In light of this, I kindly request that PayPal re-investigate my case thoroughly. I believe that upon review, you will find that there has been a misunderstanding or misinterpretation of my account activity, leading to this unjust limitation. I genuinely value my relationship with PayPal and would greatly appreciate the opportunity to clear up any discrepancies and restore my account to full functionality. 

I understand that PayPal takes its policies seriously to maintain a secure platform for all users, and I fully support those efforts. I am confident that upon further examination, you will see that there has been no wrongdoing on my part. I am more than willing to cooperate fully with any additional information or documentation you may require to resolve this matter. 

Thank you for taking the time to consider my appeal. I trust in PayPal 's commitment to fairness and transparency, and I hope for a swift and positive resolution to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.
Product: Debt collection

Collection Services Inc. has been reporting debts to the credit reporting agencies that I have no knowledge of. And when XXXX of the XXXX finally fell off my report due to the age of it, they re-aged the debt and it showed up on my report again. This re-insertion caused my credit score to drop over XXXX points They supposedly verified the debts with the credit reporting agencies, but did not supply me with any proof that the debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car-loan with   XXXX    XXXX   XXXX  that was in delinquent status when it was paid off in  XXXX   2014  by my insuranc e carrier,   XXXX   XXXX . Despite its delinquent status, the payment represented the loan pay-off for the vehicle.     Currently, all Credit Bureaus show the account as either written, closed with a balance remaining, or still delinquent. Attempts to correct with the bank directly have been met with mockery or derision. The credit bureaus insist they only report what the creditor gives the, I 'm basically stuck with this account on my report until the account passes its statue of limitations,
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I has an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX*Date Opened : XX/XX/2015 Balance : {$36000.00}
Product: Credit reporting or other personal consumer reports

I applied for a mortgage loan in XX/XX/XXXX, and because the lender did not get information about my credit report, we discovered that my social security number is wrong in Experian. 

I have a Credit card from XXXX ( XXXX account XXXX XXXX XXXX XXXX ), and the banker filled my request with a typo in my SSN. The problem happens in the second and third numbers. 
The correct number is XXXX, however, the banker filled XXXX. I have tried reaching out the Experian since last year and every time that I request my numbers they just provide me XXXX. I sent certified mail on XX/XX/XXXX to all 3 credit bureaus ( Experian, XXXX, and XXXX ) to fix the typo in my SSN but none of them gave me the entire information. 

I continued applying for loans and credit cards and all my applications were denied because of these types of mistakes. I am not able to build my credit or get a loan to buy an appliance because of this typo in my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is impossible to speak with someone over the phone from Experian. This company has been OBSTRUCTIVE to me refinancing my home. I WANT TO SPEAK WITH SOMEONE OVER THE PHONE TO FIND OUT IF THE FREEZE HAS BEEN PERMANENTLY LIFTED AS I REQUESTED. IS THIS TOO MUCH TO ASK?
Product: Mortgage

Hello, I have tried to work with current mortgage servicer, Select Servicing Portfolio to reduce my monthly payments around $ XXXX/month as I have had a significant income reduction and they have not been cooperative. 

When they did propose a new payment, it actually went up substantially to over $ 2k/month around $ 2,800/month. 

I want to keep the property and they have not been cooperative and are quick to assign the account to a foreclosure process to some attorney, whom I am not even aware of.. 

There is an account relationship manager, whom I have spoken with once to mitigate this situation. 

They are basically illegally trying to foreclose on this property and when they took over the account from XXXX XXXX, there was a discrepancy in the mortgage balance and they have yet to give me a clear answer on the actual principal balance and have insisted that I'm behind by 2 months. 

I have asked them for payment history and trying to work with them to resolve any discrepancies with principal balance taken over from XXXX XXXX. 

Meanwhile, also to resolve the situation as they're trying to illegally foreclose on the property in spite of the fact that I have made some form of payment even if it's not full payment every month. 

I have not received a sale date or whom has the account currently, whether a law firm or someone else. 

I have sent them the mortgage assistance application and they made their decision without fully analyzing the situation as I was told from a Customer Service representative. I was informed of this over the phone not an actual letter of their decision outcome based on what factors. This lender has been not very transparent with the interaction I have had with them. 

Thanks for your assistance..
Product: Checking or savings account

On r about the XXXX of XXXX a i was imformed by the Social Security Administration that they had sent my benifits to DirectExpress and that they would send me A card. I spoke them and was told that they had mailed me a card to a address given to them from SSI. I told them that i did not live at that address and wanted to have a new card mailed to my new address. Upon receiveing my card and activateding it i noticed that the payments for XXXX and XXXX of XXXX were missing {$2000.00}. I called and reported this to DirectExpress. i also told them that i was in XXXX and never recieved the card that was used to withdraw the funds.I was imformed that i had to file paper about the funds missing and file a police report which i did. XX/XX/XXXX. I recieved a letter imforming me that my paperwork was recieved and i would know something in 45 days. Around the middle of XXXX i recieved a letter from DirectExpress stateing that my funds {$2000.00} would be put into my acount. They put {$1500.00} on XX/XX/XXXX or around then. After about a week anfd2 the other {$500.00} was not added i called and asked about the remaining fund. At first i was told that they were looking into it call back in 24hr but after a week of that i was told that they would not be sending iz to me because i did not file a report about missing funds. I told them i couldn't report it because i was in XXXX  and that i never knew the card was mailed to me to know it was taken. They said they would send me a report or somethomg but nothing ever came. Now i can't get anyone to tell me anything ot even talk to me. I try to asks for someone but they say thats all they can do. I need my money. They mailef the. Card activated it they gave out the funds
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Deletion of Unverifiable Collection Account from Credit Report I am writing to formally request the deletion of an unverifiable collection account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I recently disputed a {$1600.00} XXXX XXXX collection account listed on my XXXX credit report. Following their investigation, XXXX has deleted this account from my file as of XX/XX/year>, indicating that the account was not verifiable. Since XXXX has removed this account, it is evident that the account could not be substantiated or verified as accurate, and therefore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ), you are also required to remove this item from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that only accurate, verifiable, and complete information be reported by credit reporting agencies. If an account is deemed unverifiable by one bureau, it is reasonable to expect the same standard be upheld by all other credit reporting agencies. Additionally, 15 U.S.C. 1681e ( b ) requires that credit reporting agencies maintain maximum possible accuracy in consumer credit reports. Keeping this account on my report after XXXX found it unverifiable would constitute a violation of my rights under this provision. I request that you immediately delete this unverifiable account from my credit file and provide me with an updated copy of my credit report reflecting the removal. If this account is not removed within 30 days, I will have no choice but to exercise my rights under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which allow me to pursue legal action against any agency that willfully or negligently fails to comply with the FCRA.