23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.
Product: Mortgage

TIAA has held our payments instead of applying them and then assessed late fees. They will not apply payments as we have asked. We paid the escrow as their customer service agent direct us to back in XXXX of 2018. We were told go pay the full escrow and that it would be removed from the account. We were also instructed to only pay principle and interest. 

We have been calling and writing letters with nothing but negative results and complete inconsideration for restocking this matter from TIAA. 

They have tried to overcharge our escrow and continue to hold our payments in suspense so they can assess more late fees. Then they negatively report against our credit. This has become an impossible situation. 

We have paid the escrow and monthly principle and interest on time. We have been calling and asking for transcripts of the calls and they wont supply them. We have written letters and they disregard our complaints and tell us they can do whatever they want. 

Please help us get this situation resolved. TIAA is calling us almost daily and harassing us and sending threatening letters with falsely reported amounts on delinquent notices and foreclosure threats. They have been disrespectful of our sons medical situation and caused more anxiety for our family. It is completely unnecessary, the account is current, with the exception of their late fees, that they should not have charged. 

We have tried contacting them through phone and letters and doing everything we can. It is clear that they have no interest in servicing this loan correctly or applying payments correctly or doing anything but assessing fees and creating enough chaos that well just give up and pay whatever they tell us to. As their manager conveyed to us in XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXXXXXX XXXXXXXX  # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

under Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et. seq XXXX XXXX XXXX XXXX has violated my right by using abusive, deceptive, and unfair debt collection practices. i was told that i would be removed from XXXX XXXX along with my overdraft checking account that was in charge off status will be removed from negative reporting. so i agreed to pay the total of {$300.00} for my over drafted account. once i paid i was removed from XXXX XXXX and the Negative account or overdraft was never removed or payment history corrected as promised, only remark was ( paid, was a charge off but the missed payments still show. when i called to workout my issues i was told i paid the account willingly on my own and no one agreed to do anything for me.XXXX XXXX XXXX XXXX deceived me and choose to report the account in a Negative viewing still after i paid in agreement. Section 15 U.S. Code 1692h Section h permits you to dictate the account ( s to which the payment is to be applied, as well as prevents the collector from applying payment to a disputed account. such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. XXXX XXXX applied my payment without consumer direction in mind i will be submitting an Affidavit of truth and prepare for monetary award and request the debt collector to pay your attorney fees if this is not updated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1661. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept Of EdXXXX XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. Account 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 1981 ( e ) ( b ).

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

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed. And this is my 5th attempt
Product: Credit card or prepaid card

XX/XX/2020- I spoke to a representative in regards to an overdue balance. 

I informed the associate I was not aware of the overdue balance and was under the assumption my card was no longer valid ( previously XXXX XXXX card and issued new TD card with new card # ). The card was used by an authorized signer without my knowledge I informed the associate I would pay the balance in full ; however, I requested to have the {$35.00} late fee and interest charges waived as this was an honest mistake. The agent informed me she, herself, could not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

XX/XX/ - I called back as I had not received a returned call on my verified cell # as promised. 

I was informed that I was now past 30 days delinquent (XX/XX/2020) cutoff and I would be reported to credit reporting agencies. I was once again told by the agent she, herself, could not not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. 

After the call I logged into my account and paid the balance in full to " stop the bleeding '' as a callback does not seem promising. 

****I was charged an additional {$35.00} late fee and $ XXXX in interest due to TD 's inability to return my call as promised AND I was reported to the credit bureau*********
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Consumer XXXX Date Of XXXXXXXX  SSN : XXXX ID Type : Drivers License ID XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX Early Warning Services LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX I am writing to request investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX [ Open XXXXXXXX  ] Account XXXX XXXX XXXX Bank : XXXX XXXX XXXX - XXXX  [ Open XXXX ] [ Closed XXXX ] Account Number : XXXX Routing XXXX I dont recognize the following accounts in question. Im a victim of identity theft and i dont recognize these accounts on my report. Im requesting the following information be deleted from Early Warning Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX.
Product: Mortgage

I was given a forebearance during the pandemic, the forebarance ended in XX/XX/2022. I was not offered a payment plan for the missed payment nor was I informed of when the forebarance would end. In XX/XX/2022, I received an acceleration letter requiring the amount in arrears to be paid. This was the same time that the notice to the end of forebearance was given. No other amount would be accepted. I have been unable to reach the single point of contact for the mortgage company. I have learned that the home is now up for auction in 3 weeks. BSI Financial Services. Inc. is the servicer of my loan. I was under the impression that the loan would be modified.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account and inquiries reported on my credit profile. 15usc1681
Product: Debt collection

I recieved a noticed from XXXX XXXX XXXX XXXX XXXX  that I owe {$540.00} for a credit card that I did not apply for. I am a victim of identity theft and this shouldn't have happened. I have no knowledge of this account nor did I make those charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 XXXX
Product: Payday loan

I received a loan and could not repay from Zest Cash. I sent it to a consolidation company that did not receive any information from this company. Zest cash sent this to XXXX XXXX. They told me I would be taken to court and my wages will be garnished for XXXX times the amount. I feel that this is a scam and want to note what I should do because I am afraid to deal with either of these companies at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : - XXXX XXXXXXXX XXXX  Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$10.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX
Product: Checking or savings account

US Bank negligently did not close a debit card that has fraud charges, charges continued to accumulate and they are now giving me a hard time closing my account after I have been informed that the fraud claims have been closed and credit has been issued for all the transactions that happened due to their negligence. Ive contacted multiple employees, branch, fraud, fraud leasion, executive management, and customer service. I keep getting the run around and this issue has been going on since last year. 
Im under too much stress, and dealing with and emotional and financial burden due to US BAnks inability to accept negligence! 

They keep trying to close my CFPB claim with the initial fraud claim but they are again neglecting to review recent claim that I filed this year, for a debit card they did not close last year.
Product: Debt collection

Collection agency states that I owe a bill to a lawn care service of {$270.00} in which there is no documentation to prove that it is my debt. I have no knowledge of this bill. They reported it to the credit reporting agency of Transunion without the correct address or any other identifying information. Furthermore, I did not hire a lawn care service because I do not have a stable place of residence. The debt collection agency has not provided me an original copy of my signature agreeing to any service as well. I have not received written notification for me to contest this allegation. XXXX XXXX XXXX is the debt collection agency. This is a fraudulent account.
Product: Checking or savings account

I am a capitalone bank user and my direct deposit is schedule for Thursday and Thursday I didnt receive my payment from work. I contacted capital one and they said that there are system errors I should see my deposit soon in the day of Thursday but than later on I was told no later than Friday morning I still havent received my payment or answers my rent is late my son needs groceries this isnt right
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX HAVE CONTACTED EQUIFAX INC. CONSUMER INFORMATION AND HAVE DISPUTED THE SAME INQUIRIES FOR AN ENTIRE YEAR WITH NO RESULTS. 
I HAVE SENT DOCUMENTS THAT EQUIFAX INC. HAS INSTRUCTED ME TO SUBMIT OVER AND OVER AGAIN REVISING THE DOCUMENTS EVERY TIME.

I HAVE INFORMED EQUIFAX INC. 'S XXXX DEPARTMENT AND SPOKE TO AT LEAST 50 CONSUMER ASSISTANTS AT EQUIFAX INC. CONCERNING MY EQUIFAX INC. CONSUMER CREDIT REPORT INFORMING THEM THAT I AM A VICTIM OF THESE CREDIT INQUIRIES. SO NOW I AM TURNING TO THE LAW THAT IS ALLOWED BY THE ( FCRA ) AS WELL AS THE ( CFPB ). 
THE FRAUDULENT INQUIRIES ARE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account is from XXXX XXXX XXXX on behalf of XXXX in the amount of {$890.00}. I have no knowledge of either of these companies, nor was I contacted or notified of any such charges. All of my personal accounts are in good standing. I would never allow anything to go into collections. Upon my own research, there have been numerous instances of this same exact thing happening to other people. I have attempted to contact this company without success, the number given was provided after speaking with both XXXX and XXXX. I need this removed from my credit report immediately because it's hindering me from obtaining my financial aid for medical school. This is URGENT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal dispute to Experian regarding several inaccuracies on my credit report. Despite the 30-day timeframe allowed under the Fair Credit Reporting Act ( FCRA ), Experian has failed to resolve or correct the disputed inaccuracies, which remain on my report. 

The issues include : Incorrect or Outdated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Name Entries : The name " XXXX XXXX '' appears multiple times. 
Incorrect Employer : XXXX XXXX XXXX XXXX : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Email : XXXX Experian has failed to comply with the requirements of Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that all disputed information be investigated and corrected within 30 days. I am now requesting the CFPBs assistance in ensuring that Experian complies with the law, corrects my credit file, and provides confirmation of these updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

Accounts in violation : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1692C Without the prior consent of the consumergiven directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Credit bureaus must authenticate this account. ( A ). Treating this reporting account as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified account : XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00}
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Georgia, XXXX Dear Rent recovery solutions LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXXY Date of inquiry : XX/XX/XXXX
Product: Mortgage

I closed on my home refinance loan with Provident Funding on XX/XX/XXXX with a funding date of XX/XX/XXXX. On XX/XX/XXXX, my loan was still not funded and I was told that it would not be funded due to my recent work furlough which occurred on XX/XX/XXXX. This loan was supposed to be funded days before I was even aware of my employment situation. My broker followed up with Provident Funding several times during the process and was very detailed on the timeline of the needed funding. When my broker followed up on XXXX to inquire ( email is attached with this communication ) as to why it had not been funded, Provident Funding explained that they had an uptick in loans and had put a certain PRIORITY on their awaiting loans. I find that to be disrespectful and unethical. WAS MY LOAN NOT A PRIORITY TO PROVIDENT FUNDING? 

The bottom line is that my loan should have been funded on the XXXX but they pushed it back in place of other loans that better fit their priorities. I had done everything asked of me from day one and my equity and assets were a solid back up for this loan. I understand that there may have been delays at the time but we received no communication from Provident, as to the timeline of funding. A couple of days is one thing but almost two weeks is another. Even though they were almost two weeks overdue, they never provided detail on a potential timeline. In the time that they were dragging their feet and putting other loans over mine, I was furloughed and lost the loan all together. 

This is obviously a huge waste of my time, money and effort during a difficult time for me and my family. Again, I did everything asked of me and my funding was delayed due to priorities of other Provident Funding loans.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
ALLYFINANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 ALLYFINANC XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account as closed from XXXXXXXX XXXX on my consumer report, when the account is open.
Product: Checking or savings account

XXXX XXXX, 2022 I received four emails from Wells Fargo regarding a checking account being opened. I did not open an account. I am unable to access any account information so I called them the evening of XXXX XXXX with the application reference number. The first person just sent me back to the beginning of the computerized phone system. Eventually I talked to a guy named XXXX. Then I asked for a supervisor. There is still an account opened in my name. While accounts can be opened on a Sunday apparently you can not get a fraudulent account closed and I was told I must wait until XXXX XXXX. Meanwhile someone has an account in my name doing who knows what.
Product: Debt collection

These accounts do not pertain to me at all. Please have them removed from my credit report. Please see below the list of accounts : 1. Identity Theft LVNV FUNDING LLC Account number : XXXX This is not mine. 

2. Identity Theft LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

3.Identity Theft XXXX.XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account number : XXXX This is not mine.