23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

From XX/XX/XXXX to XX/XX/XXXX, I discover several fraud charges that was not made by me totaling to about {$1200.00} when I log into my sear account. 
Here are all of the charges : -- XXXX XXXX : XXXX XXXX XXXX  {$190.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  $ {$28.00} -- XXXX XXXX : XXXX XXXX  {$94.00} -- XXXX XXXX : XXXX XXXX {$230.00} -- XXXX XXXX : XXXX XXXX XXXX   XXXX  XXXX {$47.00} -- XXXX XXXX : XXXX MI XXXX {$54.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  {$40.00} -- XXXX 1 : XXXX XXXX  XXXX XXXX  XXXX  {$64.00} -- XXXX XXXX : XXXX XXXX XXXX  {$79.00} -- XXXX XXXX : XXXX XXXX   XXXX {$55.00} -- XXXX XXXX : XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX : XXXX XXXX {$100.00} -- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$99.00} -- XXXX XXXX : XXXX XXXX   XXXX {$94.00} I have filed a police report and talk to the customer service and they agree to remove these charges. However, in XXXX, I saw these charges on my account again  and received a letter saying my claim was deny because of I somehow benefit from these transactions? I then call the investigator of the case and he claim he cant remove the charge because I have to be physically at these locations to make these fraud transactions which doesnt make any sense since I never make any transactions at any of these location before. I refuse to admit to any of these charges that I never made and willing to go to a full-blown investigation if I must.
Product: Credit card

Someone applied for a credit card using my social security number in XXXX XXXX, CA. They put a stop on the application because I called but they would not give me the information put on the application without a subpoena. We have reason to believe we know who committed the fraud as there is a current felony case against him. The company is not pursuing any legal action against the fraudulent behavior and will not give me the information even though my social security number was used.
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 

AMERICAN EXPRESS XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XX/XX/2024 XXXX : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney XXXX XXXX in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX. XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of Omaha Credit Card Wrong balance fraud charges card balance need to be deleted and updated of consumer transactions account # XXXX account balance not correct {$9100.00} credit card type
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Transunion is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a vehicle loan XX/XX/2021. I have made my bi-weekly payments on or before the due dates. never missed one. CNAC ( CAR NOW ACCEPTANCE COMPANY ) has continued to deny reporting my loan to the credit bureau. I have had numerous phone conversations and have countless emails back and forth stating they are fixing a problem ..this has been going on for 7 months.
Product: Credit reporting or other personal consumer reports

The following collections are reporting a debt for a collection that is inaccurate XXXX XXXX XXXX XXXX whose original creditor was XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX $ .These following accounts have 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 15 U.S.C1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian in XX/XX/XXXX I still have a SECURITY FREEZE on all accounts but no one ask for the Pin ANYMORE. 
This system is SET-UP FOR US TO FAIL and that is clear.

I was able to call and say my first and last name. I went to the dispute dept and the female answered. I said, I have a few concerns and I need to order my credit report to be sure about everything! She asked for my address and said, she has processed the report. Is there anything else I can do for you! I said I need a supervisor, she asked why, I said, because you didn't verify my account.

She said she did. In that call if it's recorded like they say, SHE DID NOT VERIFY MY IDENTITY AT ALL. A Pin from the Security Freeze is the extra security needed to verify my account.

Everyone has my name, social, address and my phone number.

Please note : No one had my Security Freeze Pin.

That is the reason I set up a Security Freeze.

She transferred me to the FRAUD DEPT instead of her supervisor so that is why I am filing this complaint. If she was so sure that this is a problem big enough for the FRAUD Dept then she should have verified my account properly. HIPAA has been in business since XXXX. 

I have not been protected in years. 

My credit is better now and it's just a matter of time before these credit bureaus allow the wrong person access to my account. 

I have dealt with unprofessional people angry at me for pointing out their sloppy service. My credit MATTERS! 

I am sending this report as an update so that CFPB is aware of Experian 's constant wrong doing and Violation of my account. 

Again, I set up a SECURITY FREEZE so I have a Pin number. 
Their new system is more relaxed with OUR files and with LESS SECURITY so Verification isn't necessary. Phone numbers change all the time. All it takes is for me to lose my cell phone number for not paying my phone bill. Or to lose my phone and the wrong person calls. Experian is welcoming Identity Theft by what they are doing... 

I have sent several complaints throughout the last few years and there has been no improvement. If I ever experience Identity theft again, I will know that Experian played a big role in not verifying my identity properly before sharing my information and before MAILING MY CREDIT REPORTS. XX/XX/XXXX XXXX XXXX  pst
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I never gave any written consent to any credit reporting agency to furnish my credit report as required by law Pursuant to 15 US 1681B ( a ) ( 2 ). Permissible purpose is written consent. No consent equates to identity theft.
Product: Debt collection

I received legal service from the court regarding an unrecognized debt. The service and court documents stated an address that I have never resided at. In addition the addresses on the stacks of credit card statements provided with the court documents. When I received these documents I sent a written responses explained that I had experienced identity theft during the very out dated statements. In addition to the many errors listed, these statements have exceeded the Arizona 3 year statute of limitations. I have repeatedly asked them to cease and desist any communication. The law firm refuses to stop! The said firm : Gurstel Law firm is Located : XXXX XXXX XXXX XXXX XXXX, Az XXXX The Gurstel law firm continues to send me huge stacks of duplicate very old credit card statements from several credit card companies dated from XXXX. They simply send a new cover letter to accompany the same paperwork over and over. I have sent XXXX responses and I believe this to be intimidating and bullying tactics. I have informed them that I would be reporting them due to this non stop harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a dispute letter to Equifax requesting that they remove a judgement that have been cancelled while providing proof of cancellation of judgement to Equifax by mail and they did not remove this debt from my credit report within their investigation period of 30-45 days. XXXX and XXXX XXXX removed it but Equifax did not properly do the job that I was requesting.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX Balanced : {$540.00}
Product: Mortgage

Nationstar has been making mistakes in managing my escrow for almost two years. It appears that Nationstar has manipulated my escrow account- by reducing payments one year and increasing another year- in order to justify the increase in escrow payments and creating an escrow shortage. Such escrow increases are illegal in California because my expenses have not changed. For years my payments have been as follows : real estate taxes {$10000.00}, hazard insurance {$760.00}, and flood insurance {$1900.00}. I provided the latest policies to the VP of customer services. 

XX/XX/XXXX, Nationstar paid only {$370.00} for my hazard insurance, below the required amount. 

XX/XX/XXXX, Nationstar paid {$920.00}, above the required amount. Immediately after this exaggerated payment, Nationstar followed up with an increase in escrow. 

Nationstar 's mishandling of my escrow account has caused me significant hardship. Nationstar knew that I was struggling after the rate increase XX/XX/XXXX, when I submitted a request for loan modification, which was rejected. Nationstar knew I was struggling, and yet they manipulated my escrow account in order to force upon me another increase, in total XXXX % increase in one year, in an attempt to force me into foreclosure. This appears to be a pattern for Nationstar : for customers in trouble, after a rate hike follow up with another increase in escrow. I found many such instances on XXXX. 

Regarding my escrow account, I want to take over and manage my own expenses : it will be simpler and more efficient for Nationstar. Prior to Nationstar, I have been making payments to XXXX XXXX for 6 years, always on time, never missed a payment.
Product: Consumer Loan

My wife and I purchased a XXXX XXXX in XXXX XXXX with Ally Financial holding the lien. We recently experienced severe issues with the car and it is not longer safe to drive. We can not afford to make repairs or payments on the car and XXXX XXXX or XXXX we said to just take the car from the dealership and to we letting them repo the car. We gave all the contact information over. Since that time we have gotten calls everyday demanding we speak to them and they are denying any record of our call about the voluntary repo. 

In addition we had tried to adjust the terms of the loan on multiple occasions and had no luck. Finally we think the van in question is a lemon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a dispute on an account on my consumer report about a paid collection that remains on my consumer report. I contacted XXXX, XXXX as well as XXXX telling them I want to dispute this XXXX XXXX on my account. The account that I disputed is RMC ( XXXXeceivables management corp ) from XXXX health XXXX. I also sent in a letter showing proof that the collection agency initially agreed to do a pay to delete. XXXX and XXXX keeps telling me the account is accurate and set to stay on MY consumer report for 7 years. I even sent them the initial letter showing where this account was supposed to be deleted. The only one that did the right thing and removed this account from my consumer report was XXXX. I contacted the collections agency also and this account remains on my account even after it was paid for deletion.
Product: Credit card

XXXX BOA fraudulently took a payment of XXXX from a closed \bank account from XXXXXXXX XXXX  XXXX they returned funds for the payment that never went through from closed chase account, doubled charges on my credit card to XXXX, actual payment owed is XXXX XX/XX/year> ANNUAL FEE ADJUSTMENT - {$59.00} XX/XX/year> RETURNED PAYMENT UNPAID {$1500.00} XX/XX/year> PAYMENT ADJUSTMENT {$1500.00} XX/XX/year> BA ELECTRONIC PAYMENT - {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX transaction for Transaction date : XX/XX/year> ANNUAL FEE ADJUSTMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> ANNUAL FEE ADJUSTMENT Type Fees - {$59.00} {$3000.00} XXXX transaction for Transaction date : XX/XX/year> RETURNED PAYMENT UNPAID XX/XX/year> Expand transaction for Transaction date : XX/XX/year> RETURNED PAYMENT UNPAID Type Payment {$1500.00} {$3000.00} XXXX transaction for Transaction date : XX/XX/year> PAYMENT ADJUSTMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> PAYMENT ADJUSTMENT Type Payment {$1500.00} {$1500.00} XXXX transaction for Transaction date : XX/XX/year> BA ELECTRONIC PAYMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> BA ELECTRONIC PAYMENT Type Payment - {$1500.00} {$50.00} Beginning balance as of XX/XX/year> {$1500.00}
Product: Mortgage

I have owned my home for 21 years and have faithfully made my mortgage payments every month until XXXX of this year. My mortgage company was GMAC till they sold it to Ocwen Loa n Servicing, LLC. 3 years ago. 
At the beginning of this year I had some XXXX problems and I had to miss work. It affected my financial situation and I got behind on my mortgage payment. I was n't able to pay the XXXX XXXX or XXXX payments until I got my finances in order. 
I received mortgage account statements from Ocwen Loan Servicing with the past due amount I owed them and the late fees that they charged. I had an opportunity to lend some money from family to take care of the past due amount and late fees. 
On XXXX XXXX my sister had a conversation with XXXX, agent # XXXX and this conversation, along with all the other conversations was recorded by Ocwen Loan Servicing. XXXX told her that the past due amount owed was {$2600.00} and that if that was paidby XXXX XXXX, the loan would be brought current and the next payment would be the XXXX payment of {$740.00} which was the regular monthly payment. XXXX XXXX was the relationship manager that I was talking to on the phone. 
A cashier 's check was purchased by my mom at her bank and sent to Ocwen on XXXX XXXX XXXX. XXXX XXXX because XXXX was the relationship manager that I was dealing with. My sister gave her phone number and email to XXXX and XXXX XXXX contacted my sister by phone on XXXX XXXX XXXX, we are assuming that he received the cashier 's check that day, but he did n't tell my sister anything because I did n't give authorization for them to talk to her yet. On XXXX, XXXX XXXX Ocwen sent a letter stating that because the payment was not received yet, that more money was due if I wanted to reinstate my mortgage. The payment due went up to {$3400.00}. 
On that day, XXXX XXXX, I contacted my sister to let her know that they did n't receive the cashier 's check. She called and talked to XXXX, agent # XXXX. She transferred the call to XXXX, a relationship manager ID # XXXX.He told my sister that he could n't tell her anything unless I authorized her as someone they could talk to. She called me and asked that I authorize her name and then she talked to XXXX from XXXX agent # XXXX who said that my sister 's name did n't appear as an authorized person. I called again and talked to XXXX XXXX ID # XXXX who told me that my sister was authorized and that she could call back. My sister then called and talked to XXXX ID # XXXX who was from Texas and he told her that the payment would probably be posted by Tuesday, XXXX XXXX and she should call back then. On XXXX XXXX, XXXX XXXX contacted my sister at XXXX and told her that they would have to send the payment back because it was not received within the amount of time that they requested it and more money would be due. That day she informed not only XXXX XXXX, but a couple other people that called from Ocwen that she was going to make a complaint with the Consumer Financial Protection Bureau. 
We are also making this complaint to the BBB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, letters were sent to each credit bureau reporting agency requesting they verify the accuracy and authenticity of specific negative accounts I found on my credit report. Correspondences were sent certified mail ( see attached ). 

Upon conclusion of their investigations, the inaccuracies still remained on my credit report, causing irreparable harm with my interactions with creditors in trying to obtain loans and lines of credit to start my small business and also to obtain prequalification for a mortgage to purchase my first home. 

The Credit Bureaus stated the accounts were properly investigated but how is it possible that there are still inaccuracies such as Date Opened, Date Last Active and Date Last Reported, no Payment History, and inaccurate comments. This is grounds for removal and they also violated my rights under the follow statute : 15 U.S.C. 1681 sec 602 A - States that I have a right to privacy.

15 U.S.C. Section 604 A Section 2 - States that a consumer reporting agency can not furnish a account without my written permission. 

Also the credit bureaus took more than 30 days to complete their investigation see attach for certified mail tracking info.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a fraudster used my information to apply for a Lowes credit card with Synchrony Bank. I have a freeze on my credit with a fraud alert due identity theft in the past. Since finding the hard inquiry on my account over a year ago, I contacted Synchrony Bank numerous times to get the inquiry removed and it is still there. Given the freeze on my credit, it should have never made it to a hard inquiry in the first place. I am reaching out to the CFPB for help since I was not able to resolve this on my own and after at least 4-5 phone calls to Synchrony.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. On XX/XX/XXXX, I contacted Equifax regarding the presence of inaccurate information on my credit report. Unfortunately, to this date, I have not received a response from Equifax. I am writing to formally dispute the following incorrect information and request the necessary corrections in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX  Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX  Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report. 

XXXX Account # XXXX Account # : XXXX Date Opened : XXXX  High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$6000.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1900.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove this account from my credit report.