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

On XX/XX/XXXX, I received a letter in the mail ( from XXXX ) that indicated someone was trying to open an account with my personal information ( it was addressed to my first name and address, but the last name was wrong ). I received one of these letters in XXXX of XXXX and reached out to Equifax, XXXX, and XXXX to freeze my credit. 

This morning, I contacted XXXX and they put notes in the system to deny the application and then I reached out to XXXX, XXXX, and Equifax to ensure that my credit was still frozen as I have not requested the freeze to be lifted and it should be frozen until XXXX of XXXX. I had no issues with XXXX or XXXX  as I was able to confirm my freeze was in good standing. With Equifax, however, after sharing my personal identification information, I was told that I would have to physically mail them my original social security card with a request for information regarding my credit. This is the same company that had a major data breech in XXXX and compromised not only my personal information, but that of millions of people. If I am coming to Equifax to protect myself because someone is trying to use my personal information, if I can identify myself through their 15 minutes of questions and a private PIN number, and am asking them to confirm that my credit is still frozen - not asking to remove it, then they should be able to comply with my request to protect myself. THEY have proven themselves NOT trustworthy and are REQUIRING people send them ORIGINAL GOVERNMENT-ISSUED documents before they will complete a request to protect the public. They are not reliable, they are not trustworthy, don't have the public 's best interest. They, and their practices, need to be investigated.
Product: Credit reporting or other personal consumer reports

The information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
Fraudulent Account : 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 It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. There has been no legal proof of the marks has been provided or proven. I have reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the supporting documents, including the FTC Identity Theft Affidavit & Other documents. This unauthorized reporting has negatively impacted my credit standing. I respectfully request that the FTC, FDIC, & CFPB investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations.
Product: Mortgage

Our mortgage management company ( Rushmore Loan Management Services ( XXXX ) XXXX ) continues to charge us flood insurance coverage for our Condo, despite providing them evidence and letters from the master insurance carrier that covers for the entire unit. Several attempts were made to resolve this issue with the company, and despite providing them with more than enough proof that the building 's master insurance covers for their flood requirements, they continue to charge us. Our loan number with the company ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated.

Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My life has been turned upside down.

Last year on XX/XX/2017, I notified Trans Union of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Product: Debt collection

Went in for XXXX on my XXXX under a health care provider that my Insurance covered. After an attempt himself to fix the issue my doctor had stated that it was imperative to get the XXXX done at XXXX. Being that it was the doctor requesting the XXXX it was a necessary measure. At first contact with XXXX I was astonished to hear that I had owed them a large sum of money. I am a XXXX student whom barely can afford to eat and have no way of paying off a medical bill like that. In initial talks with XXXX ( Current insurance provider ) they told me XXXX separate times that it was an XXXX and that they were not able to cover costs. I told them what had happened and assured them that it was the doctor 's wishes and not an XXXX. After the first, of XXXX failed attempts, to get it handled with XXXX I reached out to XXXX. I explained the situation to them and they told me they ca n't do anything about what kind of XXXX the doctor lists it as. Throughout my care I was passed along to XXXX or XXXX different physicians and I know that somewhere in the mix someone decided to list it as an XXXX. Additionally I went in to the XXXX being told that my insurance would cover costs and not once did I ever sign a patient responsibility form or have XXXX mentioned. My provider first hand did not adequately disclose the cost of service to me nor would they allow me to check on cost before hand. 

In my personal and professional opinion I do not owe XXXX or the collection agency any money what so ever. This debt was obviously sold off by XXXX to the highest bidder and I am sure that both parties are now profiting considering a medical organization would just write this off on their taxes. If this debt was transferred to a debt collection agency along with XXXX claiming a " loss '' on their income statement I am sure that I could take them both to court for tax fraud. I am prepared to do what it takes to get this off my record because I have maintained a decent credit history regardless of my many bills and debts I have taken out to provide myself with a quality education.
Product: Credit reporting, credit repair services, or other personal consumer reports

having issues putting a freeze on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Even when I file a complaint with CFPB they come back giving a horrible excuse as to why they couldn't do anything in regards to my disputes. Then telling me to send my disputes to their dispute department OF WHICH I HAVE DONE MANY TIMES ALREADY TO NO AVAIL WHICH IS THE WHOLE REASON I AM COMPLAINING EXPERIAN! I have disputed both of these accounts countless times, I have provided reasons as to why both of these accounts are inaccurate and illegally reporting and yet you keep trying to strong arm me like I am stupid or something. I have given you facts about both of these accounts, I have provided screenshots about both of these accounts as they appear on YOUR REPORT and yet you are still not abiding by the laws and removing them from my credit report! I have disputed two accounts on my Credit Report with Experian MANY TIMES as they are incorrectly and illegally reporting to my Reports. XXXX XXXX XXXX and XXXX XXXX have been reporting an account to the Bureaus as CO ( Charged Off ) every single month for the past 4 or more years. This is to my knowledge ILLEGAL to do as it is manipulating the Statute of Limitations and also the DOLA ( Date of Last Activity ). It is adversely affecting my Credit Scores and I have asked Experian many times to investigate these accounts and remove them immediately per my rights with the FCRA. Every time they have come back saying that the accounts have been investigated and updated and nothing was changed. I call Experian and still nothing has changed they do not remove the accounts even though it is clear that they are reporting incorrectly and illegally. I am demanding that these accounts be removed immediately which by law should have been done already upon my first dispute of these accounts. The documents added provides all of the necessary information you will need to find me in your system and resolve my issue! My name and address are all on my DL provided my social is provided in the attachments as well. The address on my DL is my current address where I have been for well over 2 years you will also find my DOB listed on there as well. There should be no reason that your response back this time says you couldn't handle my dispute because of lack of information provided. Stop stalling and just resolve my issues please! Follow the law and removes these two accounts from my report!
Product: Mortgage

In XXXX my loan was transferred from Roundpoint to XXXX Mortgage. I had not received a statement from XXXX Mortgage at the time my payment was due, but I received a statement from Roundpoint. I made a payment on XXXX XXXX to Roundpoint, which was cashed on XXXX XXXX XXXX, I revived a statement from XXXX Mortgage. I was told that Rounpoint would not cash my check since they no longer owned my loan. I sent another check to XXXX Mortgage on XXXX/XXXX/16 which was withdrawn on XXXX/XXXX/2016. 
I called Roundpoint and the agents were unable to find my payment. I was asked to forward a copy of the cashed check and they would investigate and send me a refund. After numerous calls and emails I have not received a refund or a response on the status of my request for the excess payment refund. I have confirmation emails that my emails were received.
Product: Credit reporting or other personal consumer reports

Im extremely disheartened to find unauthorized inquiries on my credit report today, with no apparent reason for them being there. Refreshing the browser didnt help, and its clear this isnt a simple glitch. I sincerely ask that the documents Ive provided be reviewed carefully, so I can finally have peace of mind and put this behind me.
Product: Credit reporting or other personal consumer reports

I have been disputing the same claim between XXXX and all three credit bureaus ( XXXX XXXX, EQUIFAX ) for over THREE years now. Finally, the account was taken off of my files I believe last year because no documents could be provided that the account was mine and the bureaus ( with the exception of Equifax ) has REINSERTED without authorization or notification or documentation this SAME file which has prohibited me from gaining access to credit because of low beacon scores and constant denials causing pain and suffering. There is also late payments from XXXX on my Equifax file that was disputed several times with no resolution and a late payment from XXXX XXXX XXXX  that is on all 3 files that were removed and reinserted with no prior documentation, explanation, or notification of reinsertion. Because I seem to be getting nowhere with my claims, I have filed a lawsuit against all 3 bureaus for these issues. The court date is set for XX/XX/year>. Please get this resolved before this date to prevent litigation proceedings.
Product: Debt collection

On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.
Product: Checking or savings account

XXXXnot a duplicate* Dear US Bank XXXX I am writing to address an issue regarding the {$500.00} bonus that I was going to receive upon signing up for a business checking account with your institution. Unfortunately, it appears that the promised bonus has not been credited to my account. During a conversation with XXXX on XX/XX/XXXX regarding my US Bank Silver Business Checking account, she assured me that the {$500.00} bonus would be forthcoming. On XX/XX/XXXX, I funded my account with an amount of {$3000.00}. Subsequently, I encountered a situation where the agent failed to provide proper assistance in setting up paperless statements, resulting in a {$6.00} fee waiver. However, through a co-browsing session in XXXX, I independently discovered the requirement to enroll in paperless statements using my mobile device. I promptly completed the sign-up process, but the {$500.00} promotion did not appear in my account. I understand that oversights can happen, and I genuinely believe this issue can be resolved amicably. Therefore, I kindly ask for your help in rectifying this situation by applying the {$500.00} bonus to my account, as originally promised. For reference, the last four digits of my account number related to this matter are XXXX. I appreciate your prompt attention to this matter and look forward to a resolution. Please feel free to contact me at your earliest convenience.
Product: Credit reporting or other personal consumer reports

This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over 30 days. XXXX  for proof PAYMENT HISTORY IS OUTRAGEOUS no lates but payment status says XXXX days & past due on collection no monthly payments is no right Accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies that I need addressed promptly. 

I have fully satisfied the debt associated with the XXXXXXXX XXXX account. Despite this, the account continues to appear as a negative item on my credit report. The status should reflect " Paid in Full '' or " Closed '' with a XXXX balance. I have already had this corrected with XXXX, but the updates are not reflected on my reports with XXXX and Experian. 

XXXX XXXX XXXX, XXXX account was charged off and sent to a third-party collection agency without my consent. This action contravenes the Fair Credit Reporting Act ( FCRA ) as I was not notified of the charge-off, nor was I provided with a valid opportunity to dispute or address the charge-off before it was reported. Although this account has been updated with XXXX, it remains incorrectly reported on XXXX and Experian.
Product: Credit card

I consistently make on-time payments, and I am confident about this. However, I am uncertain about why this company is reporting me as late in certain months, which should not be the case. According to XXXX XXXX, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Checking or savings account

On XX/XX/2023, at about XXXX, my partner had her wallet stolen out of her car in XXXX XXXX XXXX RI, containing her driver 's license and Santander debit card. We are co-owners of a checking and savings account at Santander. At around XXXX, she canceled the Santander debit card. At around XXXX, she filed a police report with the XXXX XXXX police dept. 

On XX/XX/XXXX, 2 fraudulent checks totaling {$5000.00} were cashed at a local branch of the bank without our knowledge, using the stolen driver 's license and canceled debit card. The checks bounced on XX/XX/XXXX, and our savings account was debited {$5000.00} ( roughly the total balance ) On XX/XX/XXXX, I discovered the fraud and contacted Santander at XXXX XXXX. They opened a fraud claim and stated they would close the savings account once it was resolved. 

On XX/XX/XXXX, my partner called Santander to learn more about the incident and was told they could not provide any other information. 

On XX/XX/XXXX, my partner was contacted by the case investigator at Santander, and was told that he had reviewed surveillance video from the branch that cashed the check, and that the video was not of her. He assured her that our money would be refunded. 

On XX/XX/XXXX, my partner emailed the investigator to learn what personal information the perpetrator had that allowed them to access our savings, beyond a driver 's license. No response. 

Sometime between XX/XX/XXXX and XXXX, my partner called again to learn more about the status of the case and ( again ) what personal information was used to cash the checks. She was told Santander couldn't give any more information. 

On XX/XX/XXXX, we received a notice by mail that the investigation was completed, and Santander had decided that " the video confirms that you were present in the branch '' and that they are not at fault ( obviously this is incorrect ) On XX/XX/XXXX, I called Santander 's Fraud department and was told that it should not have been possible for somebody to cash a check using only a stolen drivers license, and that since the debit card was already canceled, it should not have possible for the fraud to have occurred in the first place. " That was somebody falling down on the job. '' When requested basic details about the incidence ( time, branch location, what personal identification was used to cash the checks ), they refused, and said they could not provide us the video evidence they used to make the determination. They provided no other information about the case, and it has remained closed. 

Santander to date has not refunded the stolen {$5000.00} to our savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXXOriginal Creditor : XXXX XXXX XXXX XXXX ( Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$570.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXXBalance : {$2100.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a Capital One account, and had a balance transfer promotion on the account per a bathroom remodel. My line of credit on the card is $ XXXX, and the balance as of XX/XX/XXXX was {$8500.00}. I have since paid {$8100.00}. 

My issue is as follows : I moved in to temporary housing in XX/XX/XXXX and requested a change of address. The address was not changed and as a result I did not receive statements until the XXXX statement was forwarded by the post office. The account has been on auto pay since the commencement of the balance transfer promotion, which included a balance transfer fee. Capital One was receiving payments all along. I since called Cap One due to the forwarding label and old address reflected on the statement and they confirmed the address had not been changed as requested, but they would proceed to make the update. 

The address change issue led to my account being charged interest I believe for the months of XXXX, XXXX, XXXX, and XXXX due to the balance transfer offer having expired. I had no other transactions other than the promo. I called the customer service department twice speaking with XXXX and XXXX ( ID XXXX ). Both acknowledged the address issues and non receipt of statements being very apologetic. Yet, they indicated Cap One does not adjust interest charged. They totally refused to escalate the call indicating they are sr. representatives and that is where it stops because they do not have the ability to transfer calls to their own supervisor or to escalate matters further. 

I called the executive office as I feel I have been treated unfairly and discriminated against and they advised me that all escalations have to go through their general customer service department. This is a large bank and it is unfathmable that this is the way they operate their business and treat customers. I am requesting that the interest charged of {$350.00} be adjusted. Credit card companies are required to provide monthly billing statements to customers, and the fact that Cap One did not do this and conveniently the Balance Transfer promo was to expire makes me believe that it was intentional. I am disputing the interest charged and am requesting an immediate refund for the amount. This will bring my account balance to XXXX. 

I hope that you can assist me with this matter. 

Should you have any questions, I can be reached at ( XXXX XXXX XXXX. My new address is XXXX XXXX XXXX XXXX, XXXX DE XXXX. But, the new mailing address is XXXX. XXXX XXXX, XXXX  DE XXXX. 

Thank you kindly, XXXX XXXX