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

On XX/XX/2020 I sent a letter to XXXX XXXX 's Consumer Fraud Department, advising them that there was an account that was opened in my name that I DID NOT authorize. I explained to them that I had learned that I had been a victim of identity theft, my personal information was used to open this account at their company. At that time, I had requested that XXXX XXXX, absolve me of all charges on this fraudulent account and to take the appropriate steps in removing this account from my credit report. 

I sent in this letter a copy of my identity theft report and the FTC notice to furnishers, which was a detailed list of the banks responsibilities as the Information furnisher. XXXX XXXX, under this law, once advised, was suppose to STOP all reporting of the fraudulent information resulting. THIS DID NOT HAPPEN nor did they advise any of the reporting agencies that I had in fact disputed the account which violated the FCRA and the FDCPA. 

As explained under section of the 605B FCRA, it specifically states, that the information, they provide the any credit reporting agency, may be the result of identity theft. They were responsible for ceasing in providing this fraudulent information and they were suppose to ensure they did not attempt to sell or transfer the fraudulent debt to another party for collection. 
XXXX XXXX, seems to be above the law, as I was contacted by a collection agency via mail for this debt. 

I did not receive anything from XXXX XXXX, so I sent letters to the credit reporting agencies disputing the account 6 months letter as this account still haunted me. 

It wasn't until recently that I received. a letter in the mail datedXX/XX/2020 from XXXX XXXX which stated that they had determined I as responsible for the account and that facts that I presented did not substantiate the claim. 

I placed two calls to XXXX XXXX, one call was in regards to their letter. I had requested the original credit application baring my signature, a copy of my drivers license, social security card. I was told that it would be mailed to me and since I had no ideal of the account it would be sent for removal. I did not see the account removed from my credit reports so I called back and spoke with another representative, who stated that it was sent back to fraud because that information could not be located. I explained my situation in DETAIL to XXXX, and advised her of my initials letter in XXXX and the previous call. She stated that she saw the letter and saw the notes on the account, however she needed my police report? I questioned her regarding that, as I had sent all of the information prior. What happened to it previously? If you have the initial letter then you have the police report and my identity fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX line of credit is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.
Product: Debt collection

My daughter 's ex boyfriend used my name and information to obtain an XXXX without me knowing anything about it. This debt was for {$2000.00} with XXXX XXXX. I have filed a complaint with my local police department. I filed a complaint online and I complained to XXXX and I can't get it removed from my credit report. This debt is not mine and I was not ever aware of it until I received a collection notice. It is theft and fraud and I want it removed from my credit report. Thank you
Product: Student loan

I submitted a payment before my due date yet my account shows a past due amount and interest is accruing on an amount I have already submitted the payment for. I believe they are doing this to scam the government since I am on SAVE, they want the interest to be higher since the government will just pay it. They are ignoring my requests and will not answer.
Product: Bank account or service

My wife died on XXXX/XXXX/XXXX. I filed a death certificate with the bank immediately thereafter. The bank has, recently, been calling me asking to speak to her. When I ask what it 's about they say " it 's confidential '' and refuse to give me even any general information, i.e. 'it 's a security fraud ', or, 'we 're checking on a check that 's been submitted ''. Now they have closed MY XXXX main accounts,XXXX & XXXX ( my SS check goes to this accoount ), for no legitimate reason, and removed OVER {$270000.00} on or around XXXX/XXXX/XXXX. They refuse to reopen my accounts and have not returned my money. I was told on XXXX/XXXX/XXXX that XXXX check was " overnighted '' to me. As of today I have n't received anything and I have spent almost XXXX hours and XXXX phone calls to no avail. This is outrageous! My credit is being affected, not to mention all the checks I sent to pay bills which are being NSF 'd.
Product: Debt collection

I am formally requesting that the CFPB take immediate action to remove National Credit Systems from my credit report. I was never notified of this debt prior to its inclusion on my report as of XX/XX/year>. Additionally, this account has since been purchased by a debt collection agency and is no longer under my ownership. Please investigate this matter promptly and ensure that my credit report reflects accurate and fair information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with XXXX XXXX  which was opened XX/XX/2012 the account was paid off XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX had the account and I have proof. This is a old debt XXXX XXXX XXXX trying to collect on XXXX the originally account balance was only XXXX. This is a old debt Delete
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$440.00}.
Product: Money transfer, virtual currency, or money service

Zelle did not let me know that if I sent my money to the wrong person I wont get reimbursed for a mistake
Product: Credit reporting or other personal consumer reports

I have been requesting the removal of errors on my credit report for approximately a year. The reporting companies are refusing to honor my request and delete the information. This is a violation of the Fair Credit Reporting Act.
Product: Mortgage

I have submitted a complaint against LoanCareLLC with CFPB Complaint Number XXXX. Thus, I DO NOT SEE THIS COMPLAINT UNDER MY CFPB ACCOUNT. I DISAGREE WITH CFPB sending me a letter on XX/XX/XXXX stating I am a victim of Fraud according to LoanCareLLC. IT IS A FRAUD CFPB TO ASISNED A Complaint Number XXXX, AND NOT POST THIS FOR RESPONSE ON CFPB MY E-ACCOUNT. 
It is a Fraud the LoanCareLLC to ingnore the fees they are charging when consumer is paying her mortgage on time. 
NOW I WILL REPUBLISH THIS COMPLAINT TO THE ATTENTION OF PUBLIC AS A RESPOND TO THE CFPB LETTER AND RESPONSE TO THE LOANCARELLC REFUSAL TO ANSWER HONESTLY ABOUT THE MORTGAGE FEES. 
In the Article " Consumer protection bureau warns about pay-by-phone fees '' By XXXX XXXX XXXX | Published : XX/XX/XXXX, at XXXX XXXX XXXX, CFPB is asking the following question, '' Are you paying unnecessary fees just for the convenience of paying your bill by phone '' Well : LoanCare , LLC on Behalf of XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX, XXXX, PA, XXXX, NMLS # XXXX, IS CHARGING THE FOLLOWING Special Servicing FEES a customer 'MAY REQUEST ' : 1.PAY-BY-PHONE ( OVER THE PHONE CHECK??? [ e.g. never heart about such check!! ] ) {$15.00} 2. AUTOMATED PHONE SYSTEM PAYMENT UP TO {$12.00} 3. ONLINE PAYMENT FEE UP TO {$10.00} In other words LoanCare , LLC on Behalf of XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, PA, XXXX are financial services company which regulates restriction to the consumers due to fees, as pushing them to pay-by-phone fees, automated fees and most importantly - ONLINE FEES WHICH FOR MOST COMPANIES ARE FREE OF CHARGE IF A MORTAGEE WOULD PAY HIS/HER MORTGAGE. Are THE FEES charged lawfully? I'd say " NO '' since these FEES are not expedited fees, but a regular push-pay fees for a regular mortgage payment BY LoanCare , LLC, which is a Debt Collector Company, not a mortgage company. LoanCare , LLC on Behalf of XXXX XXXX XXXX leave only one fee-less option for mortgages to pay their mortgages which is " using a bank bill payment system ''. On the other hand, LoanCare , LLC on Behalf of XXXX XXXX does not disclose the particular state and federal laws to their customers on mortgage or other statements to make sure mortgagees are aware of the legality, or illegality of charged Online or Pay-by-phone check FEES when paying their monthly mortgages. LoanCare , LLC NMLS #  XXXX makes a statement that the actual fee charges to a particular customer may be different ( or there may be no fee ) if guidance are imposed by State agencies ( VA, FHA, etc. ) or investors., and the fee schedule is subject change, and URGES CONSUMERS TO REVEIW EACH STATEMENT FOR ANY CHANGES. I disagree to be a consumer or subject of constantly changing fees to make payments for my FHA mortgage online or by phone. LoanCare , LLC on Behalf of XXXX XXXX earn sufficient profits from the mortgage interests so LoanCare , LLC on Behalf of XXXX XXXX to charge additional fees. IT MUST BE STOPPED AND MADE ACCOUNTABLE.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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 Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and saw many fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   Experian, and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
Product: Credit reporting

Two months ago, I asked XXXX to correct errors on my credit report. I sent them a letter on XX/XX/XXXX. I have not heard back from them yet.
Product: Credit card or prepaid card

company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit report contains an unauthorized inquiry from Wells Fargo Card Services on XX/XX/2021. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verisk is reporting an Automobile-Property Loss Underwriting Service ( A-PLUS ) claim on XX/XX/2017 that did not happen. On that date I did call the XXXX 'XXXX  XXXX claim department to ask questions about my policy and what was covered under the policy. However, I did not start a claim. 

They are now considering that inquiry a " Loss ''. 
They're using this inquiry phone call as an excuse to charge me higher rates and force me to use their " High Risk '' partner to insure new properties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an original creditor account XXXX XXXX with account number xxxxxxxxxxxx XXXX on my report that was charged off and sold to a collection agency. I settled the debt with the collection agency in full. The original creditor already charged off the account on their taxes and made money off selling the debt to the collection agency I paid, but they are still reporting it on my credit report, which brings down my score and affect my credit. I have already cleared up the debt and Equifax is still allowing the original creditor to report the debt which violates my Fair Credit Reporting rights.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the fraudulent items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my another attempt to dispute the items in my credit file which resulted from an alleged fraudulent activity. Again, Im sending over a new Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged fraudulent activity. I do not consent to E-OSCAR or any means of automated verification : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed XXXX {$3100.00} -- -- -- -- -- TransUnion : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$3100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Twice now I had funds transferred into my account- once deposited a check from a Title Company and the second time an electronic transfer from another bank.

In the first case it took the bank 10 days from the time funds were taken out of the Title Companys bank to give me to access these funds.

In the second case it took 4 days.

Bank is using my money without paying any interest for all this time.

With all transfers being electronic, it mskes no sense why the bank does not release funds they have already collected.

Must be some law to force banks to give one access to ones funds once they collect them.
Product: Mortgage

PHH Mortgage purchased my mortgage in 2023 and since then, they have not made correct payments to my insurance company out of my escrow funds. I have had to correct these issues myself after I get past due notices from the Insurance company. Since my escrow payment to insurance in XXXX, I have been trying to fix the funds shortage with both the insurance company and PHH. I made an escrow only payment to cover the shortage and PHH applied it as principal payment. I called PHH to straighten this out and they said they would fix it and re-apply the funds to the escrow account. They re-applied as principal only again. I have been trying to fix this for 6 months now and I can not continue wasting my time on this issue. PHH can not seem to get things right with my accounts and they do not make my insurance payments on time nor do they pay the correct amount. I need help fixing this. This is unacceptable for a financial institution to have no less than 4 errors on one account. I have no choice in who services my mortgage, but when they screw up again, I am the one who will suffer.
Product: Debt collection

On or about XX/XX/XXXX, ' XXXX, ' misidentified me as an individual owner of a debt, and misattributed me as the responsible party. I have requested the creditor 's information, including but not limited to, the original contract identifying me as the owner of this debt and my, physical 'wet signature, ' on said contract ; the corporate entity name, address, and phone number, but they have been unable or unwilling to supply me the requested information in the 30 days, as required by law. The creditor has also failed to furnish the payment history on this account, if any, with a detailed line item breakdown of the debt they claim is owed by me. Additionally, the owner of this purported debt has not responded to my request for proof of ownership made on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 XXXX day before being 30 days past due. 

I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over XXXX points due to XXXX ' inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XXXX  XXXX XXXX XXXX, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.