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

This is my twelfth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023.
Product: Credit card

I have had a Macy 's CC for over XXXX  years. 
XXXX  years ago I purchased a bed for over {$2000.00}. 
Macys sent me a new card and then raised my credit limit to a ridiculously high amount for a retail store, this was unsolicited. 
I believe that they called it a XXXX XXXX It brough my credit score down. 
Eventually, I received a notice that my credit limit was severely decreased d/t not enough purchasing. a new card was issued without XXXX  status. this also affected my credit score. 
I have used the card in the store at times, however I can not use it online as it does not recognize the number. If the discount is not passed on through the use of the store cc, I do not use it. I tried calling customer service and it was a nightmare. English speakers of other primary languages and difficult for them to understand the issues. Customer service keeps reading from a script and can not understand what I am relating to them. 
**Now, I receive a letter that they are terminating the card. concerned that my score will take yet another hit. They should not have the power to turn on turn off increase or decrease without my input or permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act The list of accounts below have violated my federally protected consumer rights to privacy and fidentiality under 15 u.s.c 168 account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I receive a letter from collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.a.c. 1681 602a States I have the right to privacy 15 u.s.c 1681 section 602a states I have the right to privacy 15 u.s.c. 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c. 1681 ( a ) ( 5 ) section states No consumer reporting agency may make any consumer report containing Any of the following items information any other advise items of information other advise Other than records of convictions of crime Which antedate the report more than 7 years 15 u.s.c. 1681-XXXX ( a ) ( XXXX ) A person shall not furnish any information Relating to a consumer to any consumer reporting agency The person knows or has reasonable cause to believe that the information is in accurate Please delate and remove asap
Product: Money transfers

I was scammed and I have filed and FBI complaint XXXX XXXX. No one at this bank helped me. It could be they did not do their Jobs. XXXX bank also involved and I think banks are part of the problems letting criminal maybe even XXXX activity occur and just worried about loss. 

I was sent a bad wire transfer from someone I trusted. 
I was clues less as to it being fraudulent. 
I trusted him. 
He owed me a small amount and without my knowledge bet put in XXXX. He texted me, did you get money and I looked an was shocked. I was only expected what he owed me. 

When I asked him he asked me for a favor because he was in XXXX in a remote place and needed help covering his employee 's payroll to put in his biz account with XXXX XXXX XXXX most of money. It seemed legitimate. so I did it. 
I think it is legitimate money not understanding this kind of criminal activity. Not on my radar at all. 
So I did it and thought it was done and okay Then XXXX bank recalls the wire and the money is gone so they freeze all my account including XXXX XXXX account who is my son and XXXX money as I am monitoring and teaching him. 
Meanwhile chase keeps keeping me in a run around and I keep calling many dept trying to get answers. No one really talks to me and investigators call leave a message and a number but never get on phone with me. 
They are taking XXXX money too and sending it to XXXX bank. He had nothing to do with this fraud scam The so called person who sent the wire tried to send more without my knowledge and this is happening Tuesday after first wire XXXX. I informed him the first wire was recalled and question him, but he had some reason that it must be how he sent the wire and he would call his bank and try and fix it. Nothing got fixed. 
Finally, I found someone at a local branch to help me That Friday XXXX XXXX and got an internal investigator to tell me the action they took. They are sending all the money in my accounts and sons back to XXXX and I do not have a say. Only then did I find out a wire was sent from a woman I dont know. I was flabbergasted it was not the person I thought he was. It took me the week to put a few of the pieces together but I still do not know how this happened on XXXX bank end and how he did this or who that female is. 

I still do n't know what the crime was and how it was executed. I have filed this with the FBI I have names and bank accounts to trace this, but XXXX A bank and Chase, makes me wonder if they did not XXXX up and there is certainly a flaw in this and I really do n't think the investigator did his job either. 

I mean this is criminal and they do not seem to care. The banks communicate but they Chase just wiped their hands clean of it and me. 
They are not concerned that this is so serious and such a breach. I do not think it 's XXXX laundering money but it crossed my mind, as it should the banks but it questionable as this is pretty well set up crime and is very scary. The banks seem very irresponsible. I have alerted the authorities because I just do not know how bad these people are and they are pros. Unfortunately the bank might have not done what is right to protect our nation. 
o
Product: Mortgage

The initial PMI disclosure on our mortgage ( dated XX/XX/XXXX ) stated that PMI will automatically terminate on the date the principal balance of the loan is first scheduled to reach 78 % of the property value ( XX/XX/XXXX ). However, the system used to view and service my mortgage now indicates that PMI will not terminate until we reach 25 % equity ( i.e. 75 % XXXX ), which is a later date ( XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First my XXXX card balance was not being properly reported to Equifax. Then the XXXX card was completely removed from my Equifax report which took my score down XXXX points. It also tanked my credit usage. I contacted XXXX and Equifax and Neither could give me any guidance or explanation. I have paid my balance down to XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a Bluebird American Express prepaid debit card. The cost was {$5.00}. On XX/XX/XXXX I tried to register my card online and what should have only taken 5 minutes ended up being close to an hour with no resolve. I entered the address where I wanted my card to be sent. The system stated that it did not recognize it as a U.S. postal service address. It was a U.S. Postal Service ( physical ) address that was registered for both business and personal use. I then used a home address that was also listed with the U.S. Postal Service. The system recognized the address but continued to delete the other information I had previously entered requiring me to enter it again and again. Everytime I entered the correct, necessary information and clicked the submit button, I would have to repeat the process over again. I made numerous attempts to register my card. It was extremely frustrating, not to mention the fact that there was no live customer service representative to help. I searched online and found the American Express credit card phone number. After going through several prompts I was finally able to speak to a representative about their card. Her name was XXXX. She took my card information and then gave me the run around. I told her that she was not very helpful as she never answered if customers were able to speak to a live representative through the Bluebird number listed on the card. I told her there was no way that I could speak to a live representative and that the automated system kept giving me the run around. When I asked if customer service was ever available at Bluebird she said that I would have to contact them to ask. How can I ask customer service if there was no way to connect with them through the automated system? When I explained that I could not get a hold of anyone she just kept repeating that I would have to contact them to ask. Being that I was unable to get any help from American Express, I went back online and tried to register again for about the 10th time. At that time a message stated, in so many words, that American Express was not able to offer me an account. I was hurt after spending my own money to purchase the card. I was unable to Register for no apparent reason. I was upset about the length of the process and the fact that I was given the run around. I completely expected more professionalism from a company like American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried freezing my credit report today XX/XX/XXXX. 
Online the company asked for my personal information - my full social security number, my address, my date of birth. After receiving all my information the website said it could n't freeze my credit. It asked me to resubmit all the information I had already given in writing and mail it to an address provided by the company. 

I tried calling the company on the customer service line through their automated system and was told they could not freeze my credit the automatic service then hung up without giving me an option to speak to any customer service agents. 

Considering the security risk the company has exposed us to they are making the situation worse by making it difficult for customers to protect themselves. 
Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Equifax The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Mortgage

I closed on my loan XXXX/XXXX/XXXX with XXXX. On XXXX/XXXX/XXXX I received a welcome letter stating the subservicing of my loan was transferred on XXXX/XXXX/XXXX from XXXX to LoanCare, XXXX on the behalf of XXXX the servicer of my mortgage.I had sent my first payment to XXXX because of the late notice of change. From XXXX XXXX, XXXX LoanCare could not find my first payment because it was mailed to XXXX. Therefore I was always 30 day behind. I mailed copies of cancelled checks from my bank to them but they could never find the payment. Well in XXXX XXXX I was out of work due to a XXXX injury from when I was in the service. In XXXX XXXX I went to county records and verified that the deed wad still with XXXX and that nothing had been changed from the day I purchased my home. On XXXX XXXX, XXXX I went to county records to notice that a substitution of trustees had been appointed and that XXXX XXXX was assigned the note and now the holder of the note having interest in the indebtedness secured by the deed of trust and then XXXX XXXX appoint and and substitute XXXX XXXX XXXX, XXXX, as trustee. Then I received a letter from my mortgage had been sold or otherwise transferred or assigned to a new owner XXXX as of XXXX/XXXX/XXXX. This was just informational purposes only and required to continue to make payments to my current servicer. Well LoanCare recently sent my payments back and wants to start foreclosure. I sent in paperwork for a modification and they denied me. I do not know why they denied me. They called me over the phone and said it was denied and that I would receive the reason why in the mail and also that they were starting the foreclosure procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion allowing u authorized credit inquiries. There is a lot of people pulling my credit report authorized and I have been complaining for awhile.
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 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting or other personal consumer reports

Dear Navy Federal Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX Credit Card Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to XXXX and XXXX credit bureaus. Pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national XXXX XXXX XXXX XXXX, including XXXX, XXXX and XXXX, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with XXXX and XXXX on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is XXXX
Product: Debt collection

I have received multipile robo calls from multiple numbers all correlated to a return number of XXXX. The number that shows up on caller id ranges all of the known us area codes. Same message, my name is an illicit person of interest, they are verfying my address and employer that day. Does not identify themselves in any way. Return calls to that number are greeted by a robo answering system, and a rude individual when one refuses to provide personal information without clarification as to what the intent of the caller is.
Product: Credit reporting or other personal consumer reports

EQUIFAX AND XXXX WONT GIVE ME MY CREDIT REPORT. HAVE NOT SEEN MY CREDIT REPORT IN YEARS
Product: Mortgage

Due to XXXX and waiting XXXX years for XXXX XXXX the social worker at XXXX XXXX office got me a charitable donation to pay XX/XX/XXXX and XX/XX/XXXX mortgage payments. An intent to pay letter was sent first week of XXXX and I contacted 5th/3rd to let them know about payment and they claimed they never got letter and went thru this 3 times because 5th/3rd claimed they didn't get them. Charity paid on XX/XX/XXXX but 5th/3rd claimed never got paid but charity sent confirmation and proof of payment. 5th/3rd then said they lost payment and was looking for it which took almost 2 months got enough to pay XX/XX/XXXX due to extra principal payment but because they found the charity payment in XX/XX/XXXX they marked payment late XX/XX/XXXX and reported to credit agencies. For the XX/XX/XXXX payment the charity organization due to the trouble fifth third gave to them in XX/XX/XXXX they would no longer be paying mine or anyone else 's mortgage anymore. So with trying to get this payment paid I finally was able to get the money together XX/XX/XXXX and paid then but was informed because I didn't make payment by XXXX it counts as next day payment and they reported me to credit agency. I was never informed of a cut off time and not sure if legal and second would not have been paid later in XX/XX/XXXX if they hadn't lost XX/XX/XXXX payment and caused me to lose payment in XX/XX/XXXX. Have talked to over 25 times since XXXX with the manager of 5th/3rd at XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX at ( XXXX ) XXXX. The manger told me she would correct the problem after payment was found and for 3 months said she was working on it and then ghosted me. Called customer service number many times and they reported it and said they would correct it and nothing happened or was told nothing they can do it's policy. Have also written to 5th/3rd as suggested by XXXX. Filed a complaint for revision with credit agency and they filed dispute but say there is nothing I can do without 5th/3rd removing both bad credit reports for 30 days late when they lost payment and have XXXX cut off time.
Product: Credit reporting or other personal consumer reports

I have attempted to contact Experian and XXXX to remove the extended fraud alert on my profile. I have active membership profiles and both websites advertise the ability to remove my fraud alert when I want to. I am inputting the same information in front of my current credit report in front of me. The website, app and phone system is consistently throwing error messages and my requests by mail go unanswered. It is impossible to reach someone by phone and this is hindering my ability to obtain credit in several instances.
Product: Checking or savings account

I have reached out many time about other company taking money and was advised nothing they could do that I can request the money back but that never works
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 under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s. code 1692b harassment or abuse
Product: Debt collection

My information was stolen and have been a victim from the credit bureau breaches and keep trying to have my information be cleared there s no relief except continuing calls threats Its all over the news that midland is out here buying debts to collect money when we have our information not being protected by the credit bureau s and companies and at the mercy of identity thieves who continue to steal from us
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I ask CFPB to intervene for the same issue ( see my past complaint XXXX ) and the fifth time I fight against XXXX XXXX for the same thing. Since XX/XX/XXXX, my credit report showed unauthorized XXXX XXXX XXXX hard inquiries : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. They have been removed after a long process and several mails and phone calls. Several fraud alerts have been activated during the entire process but the unauthorized inquiries never stopped. 
Today, checking my credit report on XXXX, I figured that on XXXX/XXXX/XXXX Equifax reported AGAIN a XXXX XXXX hard inquiry. I am really tired of doing this every time in fact is my intention to sue XXXX XXXX if, after this complaint, they will not fix the problem PERMANENTLY. 
Thanks for your time.