23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A XXXX XXXX XXXX XXXX ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO XXXX XXXX XXXX FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XX/XX/XXXX. I CALLED BOTH XXXX XXXX XXXX XXXX   AND BANK OF AMERICA. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH BANK OF AMERICA AND XXXX XXXX XXXX XXXX XXXX FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
Product: Mortgage

This is in regards and follow up to CFPB Complaint # XXXX from XX/XX/XXXX. This is a further complaint against the mortgage company and the escrow analysis shortage on my mortgage account. The response they provided did not answer the complaint as to why the escrow account was in shortage and they did nothing about it for almost a year ( I have only had my mortgage with this company for just over a year ). Furthermore there response that the real estate tax and homeowners insurance had increased which also cause the shortage ( which there was no substantial increase to support it ) is a false claim by the company and I would like to know where they received their data. The XXXX annual amount from XX/XX/XXXX, amount was {$2100.00} ; andXX/XX/XXXX, amount is {$2100.00} ; a difference of {$23.00} ( attached ). Nothing significant that would result in this shortage. 

In addition and even more confusing is that on XX/XX/XXXX, I received an email ( attached ) reminder of my payment for XX/XX/XXXX, and it indicated that the current payment I have is due on XXXX?? Yet, according to the escrow analysis and shortage letter I received in XX/XX/XXXX, it said effective XXXX, my new " mortgage '' payment was increased by {$230.00} ( if I could not pay the lump sum ) ; yet the email contradicts that letter? It more clearly states the financial discord that rests within this company. 

I have been trying to work with this company since they notified me in XX/XX/XXXX, that effective XX/XX/XXXX, I either pay a lump sum of almost {$2900.00} or a monthly increase of {$230.00}. I was willing to work with THEIR ERROR on solutions of a smaller payment spread out over a longer time period ; or take the lump sum out of the interest on the account. I am a faithful consumer to this mortgage, have not missed a payment, and they would not consider this solution or working with me on a fair and ethical solution.. They are at fault for not escrowing the monies appropriately or following up with the consumer that their calculations are off and their financial analysis and reporting are not compliant. There are a lot of reports out about this company about their unfair, unethical, and fraudulent practices when it comes mortgages, escrow accounts, opening false accounts, etc. They have paid in the millions and they are still continuing to do it. I have reached out to Atty General XXXX XXXX 's about this matter and they recommended I contact the CFPB, and I have reached out to MA Senator XXXX XXXX about this matter ( and she herself as gone after this company for their fraudulent practices ). I am single mother of XXXX children and to impose this practice without valid and honest reasoning is unethical to the core.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00XXXX XXXX XXXX Balance Owed : {$8900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$13000.00XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXXXXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4800.00}
Product: Checking or savings account

Using the Etrade online portal, I requested on XX/XX/XXXX that my account be closed and that the balance be transferred to my XXXX XXXX account. On XX/XX/XXXX I received an email notification from Etrade that the funds transfer was complete. On XX/XX/XXXX, I recieved an email notification from XXXX XXXX that my XXXX  account had been closed on XX/XX/XXXX because I had a XXXX balance. Then I discovered that I could no longer fully access my ETrade account online. When I logged in to Etrade, an info-box said that restrictions had been placed on my account and that they could only be removed if I called them. I received no further information from Etrade until I contacted them on XX/XX/XXXX. I had a hard time reaching them sooner by phone due to long hold times. The rep I talked to told me that I needed to upload a copy of my photo ID with a signed letter stating the reason that the transfer was returned ( because unbeknownst to me XXXX had already closed my account with them ). As I kept asking questions and not getting satisfactory answers, the Etrade rep was impatient and dismissive and actually hung up on me. I still immediately uploaded the requested letter ( typed with an electronic signature ) with my ID. I didn't hear from Etrade again until I initiated an online chat on XX/XX/XXXX to ask why my account still had not been closed. The chat lasted more than an hour. I was told that my uploaded documents had been rejected and that I should have been notified of this. ( I had not been notified. ). They used vague terms, stating for example that my documents were " not in good order. '' I repeatedly asked clarifying questions about what this meant, which they refused to answer. Throughout the chat, which I can provide the transcript of, I was given confusing and contradictory instructions about what the problem was and what they were requiring. I was told that the letter had to be handwritten ( not just a wet signature, but the entire letter ). This was later contradicted in the chat by a different representative. Still, I submitted a new handwritten letter and was told they were not requiring anything further and that my request would be processed within a couple of days and that a check for the balance in my account would be mailed to me. Again, I heard nothing from Etrade and initiated another online chat today. I was told that my photo ID was not legible. When I complained that I had already submitted it multiple times, I was told that the photo ID I had submitted was ok after all. Then I was told that I need to submit a bank statement from XXXX XXXX proving that that account was closed. i asked why this was necessary and why I was not told of this requirement before. They would not answer those questions and just said that it's protocol. The rules and requirements just keep changing and all I'm asking for is that my account be closed. I have literally spent hours trying to get my account closed and it is not clear why they will not close it. I do not believe a bank statement from another bank should be required.
Product: Checking or savings account

XXXX XXXX : I filed a claim on XX/XX/year>, for a total amount of {$5700.00} due to an unauthorized transaction/fraudulent activity on my account. However, after the claim was processed, I received notification of the claims denial. The letter I received did not provide any specific reasons for the denial, which left me without a clear understanding of why my claim was rejected. 

Additional Actions Taken : On XX/XX/year>, I forwarded a police report to the fraud department in an attempt to provide further evidence of the fraudulent activity. Despite this, I have received no follow-up or update regarding the status of my claim. 

I have also not received any provisional credit to my account, which typically occurs during the investigation of such claims. 

No additional communication has been received from the fraud department or claims team, leaving me in a state of uncertainty and financial XXXX 

Request for Resolution : I kindly request that a full review of my claim be conducted, including a thorough investigation into the circumstances surrounding the fraudulent activity on my account. 

I request that a detailed explanation be provided as to why my claim was denied, including any evidence or reasons that led to this decision. 

I ask that I be granted provisional credit or compensation as required under your policies while the investigation is being processed. 

I would appreciate a prompt response to this matter, as I am experiencing significant inconvenience and financial impact due to the denial and lack of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 DEPT OF ED XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Upon moving from Oklahoma, I canceled my cable service with XXXX XXXX and returned the equipment to their local store location. I paid the final bill in full and all was to have been finished with the cable provider, XXXX XXXX. To my surprise, I receive a bill in the mail from the cable company saying I owe them for an unpaid balance on the account. After many phone calls it was settled as an oversight of payments due to XXXX files being created for my cable account. The amount was actually a credit of {$93.00} and was refunded to me in a check. However, XXXX XXXX sold the balance as a debt leading to issues with a collection company XXXX XXXX XXXX for a debt of {$93.00} from XXXX XXXX. After filing proof of the credit and pay off of the balance with CFPB that debt was to have been removed from both the debt collectors system on XX/XX/2015 at XXXX as well as XXXX XXXX XXXX. Recently, I received a collection notice in the mail from a new debt collector IC Systems trying to claim the same debt for XXXX XXXX in the amount of {$93.00} when there is no actual debt to collect. Enclosed is a copy of the refunded check from XXXX XXXX and a Copy of the Notice of Collection from IC Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Product: Credit reporting or other personal consumer reports

I have contacted the Credit beer about these closed accounts that are old and some of them arent even mine. I requested proof of dad or for them to remove these old accounts and they have not. XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$11000.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$6400.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$300.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX, XXXXXXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've tried to access the company 's online portal to review my credit report. I've made numerous attempts to contact the agency through chat and email, but no resolution has been reached. The inaccuracies in my reports ( viewed by obtaining my report through a third party ) continue to cause malice to me personally and my small business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I filed a dispute with this credit bureau about unverified Collection XXXX XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request your immediate action to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me significant distress, as I didn't authorize them. It's unfair for me to be accountable for these accounts, which I didn't initiate or approve. I urge you to promptly address this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report. As a victim of a data breach, I have discovered fraudulent activity associated with my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am entitled to have these items blocked and removed. 
XXXX Accounts to XXXX and Delete : XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$8700.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1000.00} Fraudulent Inquiries to Block and Delete : XXXXXXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Mortgage

My mortgage was transferred to Mr cooper mortgage company on XX/XX/2018. To this day I am still unable to setup an online account and make a payment or set up auto pay. I have contacted the company at least five times by phone and social media. The first time I contacted them was late XXXX. Mr cooper has done nothing to make this right.
Product: Credit reporting or other personal consumer reports

This is not my account I do not owe XXXX XXXX any money there is no contract between me and XXXX XXXX stating that I owe them this debt XXXX XXXX needs to provide proof of contract if proof of contract is not provided then delete this account from my credit profile immediately
Product: Debt collection

I am writing to dispute a fraudulent account that is being reported by Midland Credit Management for XXXX XXXX  on my credit report. I have no knowledge of this account, and I did not open or authorize it. I believe this account is the result of identity theft. I request that Midland Credit Management and XXXX XXXX  cease reporting this account and remove it from my credit report as soon as possible. 

There are multiple accounts for XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX There are two accounts listed on my credit for Midland Credit Management XXXX and XXXX I am currently taking steps to protect myself by completing the identity theft report and a police report. Please provide confirmation that this account will be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First there is no record of my original complaint, so this is the second one to report. I have disputed my old accounts with all three credit bureaus recently. XXXX and XXXX have cleared my accounts as they were 7 years old in Texas. I can not get XXXX to do the same. I sent them the same information and documentation for the accounts that are aging. They will not delete the accounts as they say they were verified and updated. I have an old credit report stating the accounts are to be removed XX/XX/2023 and XX/XX/2023 but they come up with a date of XXXX or XX/XX/2023. I have just sent letters to Midland Credit Management  and XXXX XXXX XXXX to validate the accounts.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
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
Product: Debt collection

I have written EOS CCA dispiting this and asking for validation. They do not respond but keep mailing me settlement offers. This is not mine and I demand they cease and desist collections efforts, remove this from their database, and they best not be reporting this to the credit bureaus ; if so they MUST delete it!!
Product: Credit reporting or other personal consumer reports

Im reaching out because there are a few accounts on my credit report that I dont recognize, and theyre dragging my score down. I didnt open these accounts, and theyre definitely not mine.
Product: Checking or savings account

This is about the Wellsfargo complaint I have many charges to my account that werent approved as in random monthly charges etc
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan from XXXX XXXX  was reported under XXXX XXXX XXXX and was reported as a charge off instead of being paid off I have contacted both parties ( XXXX XXXX  and Transunion credit bureau ) of the error on the report. Also XXXX said they would send me a letter stating the car was paid off. This mistake on my credit report has caused me to be denied a car loan The finance companies do not want to finance some one who does not pay off their car loan Have complaint # XXXX XXXX from telephone call in
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance reopened my account on my report on XXXX  and XXXX XXXX is still showing closed. All three reporting show different balances. I tried to dispute on XXXX  but is not able to. Please delete Credit Acceptance for report for inaccurate reporting.

XXXX  : Balance : {$0.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( reopened ) reported XX/XX/XXXX XXXX  : Balance : {$5200.00} ( closed XXXX XXXX ) reported XXXX XXXX