23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 my loan was paid off with Homebridge Financial ; the escrow balance of {$3500.00} was supposed to be reimbursed  and mailed to me within 30 days of the loan being paid off. by XX/XX/XXXX, I called them to follow up on the check, and was told to wait another 2 weeks. By the end of XXXX, I was told that the wrong address was imputed on the mailing envelope and the check was returned to Homebridge. I requested a direct deposit or expedited mailing at my cost, and they declined the request. I was told the check would not be issued any time before XXXX XXXX in XX/XX/XXXX, I received an Escrow Account Disclosure Statement, but no checks. 

I been trying to reach customer service to no avail. Finally today I reach someone and was told that the check was not mailed until XXXX XXXX that is clearly way over 2 months since my loan was paid and as of today, XX/XX/2019. I do not have my refund.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. After the second set of accounts were opened in my name, on XXXX XX/XX/year>, I went to the websites of the XXXX credit agencies to place a freeze and fraud alert of my information. With XXXX and XXXX I was able to create a login account and place a freeze and fraud alert on my data. With Experian, someone had already created an account using my data. The online processes would only send information to the email and phone # on file, which were not mine. The company number for placing a freeze eventually would connect me to a human. During XXXX of many calls to that number trying to reach anyone who could help me, I was able to put a freeze on my data, but every individual I spoke with could not help with reclaiming the login account, always referring me to a membership phone number with a bot that was unable to assist and was programmed to not transfer calls to a human. When I called the original number back, where I was able to reach a human, I would be transferred repeatedly to the membership line and told to say 'membership ' to reach a specialist. Saying 'membership ' had the bot respond by thanking me for calling to upgrade my membership and putting me in a loop that offered automated services and saying it could not transfer me to an agent. This cycle repeated over and over for more than XXXX XXXX as I tried every permutation I could think of. 
I am extremely frustrated that someone else has control over my data and the company that is custodian of those data provides no path to fix the problem. Companies should not be allowed, in the name of efficiency or some other perverse objective, to place consumers in infinite loops of automated XXXX so they can claim no responsibility in damaging their lives.
Product: Debt collection

A collection service leaves a message with a phone number everyday on my recorder for a debt incurred by someone else not in my household. I call the number and leave messages that I am not the individual they are trying to contact and that no one lives there by that name. I ask for a call back. Now, the voice mail box is full and not accepting any calls. Literally these calls are in the hundreds now and quite frustrating since I owe no one anything.
Product: Checking or savings account

I opened a second checking account with Well Fargo for bill paying my account went negative due to unauthorized transactions and thereafter the account closed and was sent to a collection agency without notice. After contacting Well Fargo at its executive level spoke with a XXXX XXXX XXXX refused to oversee the matter in its entirety when I ask for her direct contact information she refused to provide her direct information only after I advised her that I would complain she then gave me her full information.
Product: Debt collection

These accounts are not mine i demand that my report reflects true and accurate information under FCRA law 15 usc 1681
Product: Debt collection

I have made many attempts to try and resolve the claimed outstanding debt but the company will not speak with me. They claim account is in a status they can not speak to me about yet they continue to report to credit and they do not allow me to make any resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 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. 

Accounts Disputed Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I never opened accounts with any of the accounts listed above and it is being reported on my credit report inaccurately I sent the credit bureau multiple letters and proof from XXXX  XXXX even to today Ive also called each of the credit bureau to get help removing these account being improperly reported on my credit reports and I still have received the proper help or proof that these are my account i demand that these accounts be removed from my credit reports immediately or I will hire an attorney this week and will be force to seek legal fees and compensation for the stress and mental health issues the XXXXhree credit bureau has caused to me and my family over this matter. The credit bureau violated multiple Fair credit reporting on Acts on my credit reports. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed above. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a ton of soft inquirys from this company and I mean a lot and I have never ok 'd them to do this. I always get advertisement that are annoying but to see close to 20 different times they've checked my credit report is appalling! Is this legal? I feel so violated honestly. Should I contact an attorney? This can not possibly be legal. I am going to possibly contact an attorney and there's an investigative news crew here that I'm sure would look into this too. I know this can not be legal. I'm livid!
Product: Debt collection

Advanced Collection Bureau has violated my right to privacy by communicating this alleged debt with consumer reporting agency XXXX  ( Pursuant to 15 USC 1692c ( b ) ). Advanced Collection Bureau having reported this alleged debt to XXXX has caused harm to my reputation and is defamation of character. ( Pursuant to 15 USC 1692d ( 1 ) ) This company sent sent an Affidavit of Truth, Cease & Desist with specified remedy, and an invoice on XX/XX/2021 and sent vis certified mail with return receipt.
Product: Credit reporting or other personal consumer reports

Jefferson Capital System has reported false information to at least XXXX of the major credit bureaus ( i.e., XXXX XXXX XXXX ) -- see attachments. Jefferson has reported that it is the " original creditor '' on the alleged debts. I have never incurred any debt with Jefferson Capital System, and I have never transacted any business whatsoever with them. Therefore, they can not be an " original creditor '' of mine. I believe this is an attempt to re-age this alleged debt so that it remains on my credit reports longer than is permitted by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. 

Under 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 an account without my written instructions. 

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late of any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account being reported on my Experian credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX- it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.
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 Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$7500.00}. 

I could not apply for an auto loan because of the negative items I have on my credit report.
Product: Credit reporting or other personal consumer reports

MY XXXX  OPENED THIS ACCOUNY IN MY NAME WITH MY DOCUEMTNS & ID I HAD NO IDEA THIS TOOK PLACE UNTIL A FEW YRS AGO AFTER WE HAD A BAD BREAKUP, I FILED A COMPLAINT WITH XXXX  ALREADY WRITTEN 100 'S OF LETTERS TO ALL 3 BUREAUS THIS ACCOUNT HAS BEEN OPENED SINCE 2017 THEY ARE RUINING MY LIFE/CREDIT. I NEVER MADEA PAYMENT TO THIS ACCOUNT NOR CAN THEY PROVE IT WAS ME I NEVER EVER AUTHORIZED THIS ACCOUNT NOR DID I EVER SIGN ANYTHING, I NEVER KNEW THIS WAS IN MY NAME UNTIL AFTER ME & MY XXXX  BROKE UP..

I WANT THIS REMOVED OFF MY CREDIT REPORT WITH XXXX I WANT TO BUY A HOME AND CAN'T DUE TO THIS BEING ON MY CREDIT REPORTING LATE EVERY MONTH THEY TOOK POSSESION OF THE CAR OVER 5YRS AGO
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 
Inaccurate Address : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.
Product: Credit card or prepaid card

I have a XXXX debit card. After I used it a couple of times, there was a problem with my physical address. The company asked for certification from an official government document. After a couple of months trying to get it, I finally did. I send the document in an email and waited 48 hours to contact them. To my surprise the number on the back of the card is suspended. I tried another number but the representative told me that it was another department and he could not help me. I tried accessing my account online and the card is inactive. So I want to talk to them to resolve this matter but don't have a way to do it.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} - tied up U.S. Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Court Chapter 7 Bankruptcy XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX CT GA XXXX XXXX XXXX Bankruptcy XXXX Federal Chapter XXXX Bankruptcy XXXX Federal Chapter XXXX BankruptcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report and trying to see where in the process will I be for buying a house and I saw a lot of items that are not mine. I called all creditors and tried to get information and some I told them that these accounts are invalid due to fraud but they still did nothing and some I was unable to speak with. I am a victim of identity theft and have been since XXXX of XXXX. Someone gained my information due to me losing my purse and they took all my information such as ID Credit cards and Social. I have been trying to get this back right, but I have run out of options.
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo and was approved. When trying to activate my card my cell phone was not compatible with Wells system. I do not have a land line. 

I went through an extensive underwriting process to get approved, they have all they information they needed in order to approved my credit worthiness. 

With no compatible phone number my account was sent to their Fraud Unit. I was then asked to go to a local branch with my drivers license. This I did. However, when I got to the branch, presented my ID and called the Fraud Unit they requested additional information such as my utility bill, etc. All of these bills are in my husbands name. 

This is discriminatory against me for being a married woman. What do I have to do go buy a new house under my name? 

I 'm infuriated with this process.
Product: Credit card or prepaid card

I have a credit card with Citibank that I have had since XX/XX/XXXX. Recently the minimum payment increased significantly. I inquired with Citibank. The representative explained that there were two balance categories on which interest was being charged.

In reviewing several periods worth of statements, it became clear that Citibank was applying my payments to the lower interest rate segment first, maintaining a balance on which over 20 % interest was being charged. This appears to be a violation of the CARD Act of 2009 As can be seen in the attached statements, the balance has not decreased. {$240.00} of payments were made during the period and no new purchases.

{$20.00} in XX/XX/XXXX {$20.00} in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting 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
Product: Payday loan, title loan, or personal loan

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there is predatory practice by the bank institution to incurred a large amount of transaction without my permission and acknowledgment.
Product: Checking or savings account

I was the victim of a scam. I am a XXXX XXXX XXXX mom that needs to make money. I looked online and found someone offering a job I could easily do. They offered to pay me before the work. I looked them up Online, their company, even their home address. Everything seemed legitimate. They told me they would cut the check through their work, XXXX, and not to worry about the endorsement on the back. I submitted that to my bank and there was an instant hold. I wasnt surprised to the amount. Then I noticed I no longer had access to my account to deposit or withdraw. I called boa and they said that the check was a bad check and that I was now a liability to the bank. Id been banking there for over 30 years and now Im a liability? I spent hours on the phone trying to get it fixed. I was passed along from person to person who treated me like a criminal. They all just said oh well and youll have yo appeal with the fraud department thats not with Bank of America. Here we are 3 weeks later and my account is opened and refunds are being submitted but the account is being closed and I cant open another account because Ive been flagged as a liability
Product: Mortgage

My loan was in forbearance due to COVID-19. I was starting a new job. Approved forbearance on XX/XX/XXXX. I got several delinquent letters indicating my payment was past due. I was told the forbearance would not impact me negatively. Unfortunately, it did. I found out on XX/XX/XXXX my pending VA refinance loan with XXXX would be denied due to the forbearance ( in XXXX, XXXX told me it would not ). I immediately on XX/XX/XXXX, paid the mortgage for XXXX, XXXX and XXXX and cancelled my forbearance immdiately. I requested and was informed from Loan Care Servicing that I would receive a letter in the mail and an email stating my Loan forbearance was cancelled. To date, I have reached out to them 4 times and havenot been able to get any documentation refecting my current loan status with the cancelled forbearance. It is also reflected in my credit report that my loan is in forbearance. I paid my mortgage and cancelled the forberance weeks ago. I deserve documenation reflecting the update. I am trying to refinace my loan and need this documentation to move forward with the process. They didn't hesitate to send me past due notices but will not provide me with updated documentation despite numerous request from customer service.
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 ) 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 account without my written permission XXXX and XXXX n has stated XXXXXXXX XXXX  was verified has failed to show proof of verification on more than XXXX disputes.
Product: Debt collection

I received a letter from MRS BPO , LLC on XX/XX/2024 alleging that I owe a debt which I never have done business nor have I contracted with the debt collection company they claim that I allegedly owe a debt of {$2100.00} I've sent out Affidavit of demand for verification of debt, a Affidavit of cease and desist, a Affidavit of Truth stating the multiple XXXX and violations that they have committed as well as proof of the violations and my invoice for the violations that they committed for violations of the Fair Debt Collection Practices Act
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Previous letters and complaints, I am requesting that Transunion investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially ... and I would truly not what to pursue a legal remedy ... Once again, I AM REQUESTING THAT XXXX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX