23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off the mortgage (XXXX) on XXXX  and it was transferred to a new servicer (XXXX XXXX XXXX XXXX, loan # XXXX) on XXXX. The paid off fund still not being forwarded to the new servicer as of today (XXXX  so the new servicer refused to close the loan even though I paid it off to the previous servicer (XXXX XXXX XXXX) and sending a "event of default" letters.
I filed a complaint # XXXX to XXXX XXXX XXXX, and their response today is it is Better who has to forward the fund, since XXXX XXXX XXXX already forwarded the pay off fund to Better on XXXX. Please refer the following response for XXXX. 

Better Mortgage originated the loan on XXXX XXXX XXXX. The loan transferred to XXXX  for interim servicing on XXXX XXXX XXXX, with the loan scheduled to transfer to XXXX XXXX XXXX Inc. (XXXX) on XXXX XXXX XXXX. On XXXX XXXX XXXX, the Borrower paid the loan in full. XXXX  subsequently completed the release of lien on the loan and has previously provided the Borrower with a copy. The loan transferred to XXXX on XXXX XXXX XXXX as scheduled, with a zero balance, due to the payoff. Because the loan is owned by Better Mortgage and was serviced for an interim period by XXXX, XXXX remitted the payoff funds to Better, for Better to then forward the funds to the new servicer. XXXX sent the payoff funds as part of a bulk wire transfer to Better on XXXX XXXX XXXX, using Fed Reference XXXX. Any additional questions regarding receipt of the funds from Better must be addressed by the new servicer, XXXX, rather than XXXX, as XXXX no longer services this loan and has forwarded all funds and information appropriately.
Product: Credit reporting or other personal consumer reports

Sent request that the credit reporting agencies correct and update the information on credit report. Request the agencies to block for promotional purposes and any negative remarks on credit file to be blocked for promotional purposes. Request that pursuant to Fair Credit Reporting Act any late remarks after discharge in bankruptcy are inaccurate and must be removed immediately. The Credit Reporting agencies are still inaccurately reporting and in violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN FILING DISPUTES WITH EXPERIAN REFERENCE TO XXXX XXXX  AND XXXX XXXX XXXX XXXX. I HAVE INFORMED THEM THAT THESE ACCOUNT ARE NOT VALID. IN ADDITION TO THAT THE COMPANIES AND/OR EXPERIAN ARE REPORTING INACCURATE INFORMATION TO MY CREDIT REPORT.
Product: Checking or savings account

On XX/XX/year>, I received a text message at XXXX from the number XXXX claiming they were my bank and there was fraudulent activity on my account and inquired whether it was me who did it. I responded immediately saying no and shortly after I received a phone call from XXXX saying they were my bank and that I needed to contest this issue with them. Then the number XXXX texted me and asked to confirm my online ID and password for my bank account to which I did willingly. 

At one point in time they claimed I needed to give them my credit card as well as my debit card and that they would send an uber to get them. They then confirmed with me that an uber driver would be on their way to my place and I was to give the uber driver an envelope with my credit card and debit card and that it would be given to a representative. The XXXX XXXX arrived around XXXX and it was a XXXX XXXX XXXX XXXX The uber driver was named XXXX and he was around mid to late XXXX, bald, with minimal teeth on the bottom of his mouth. The driver then asked me if the person knew they were receiving the package to which I replied yes and then I went back into my apartment. 

I remained on the line with them and started noticing more charges coming to my account as well as a cash advance going to my credit card. I questioned them about it but I could not get a straight answer regarding the issue. At one point during my call, I blocked my old debit card and requested a new one to which the person calling me told me to stop messing around on my computer. After the line grew silent and around XXXX the number hung up on me to which I immediately redialed and the number was led to my bank. 

While on the phone with my bank, they confirmed to me that what happened was indeed fraud and they would go about cancelling, and making sure about it, my debit and credit card. After my cards were cancelled, I went through my charges with USAA, my bank, and disputed them on my debit card as well as my credit card. 

At XXXX, XX/XX/XXXX, I have received {$300.00} in credit from my bank in regard to the withdrawal using my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.
Product: Checking or savings account

I have a business account with Axos Bank. Back in XXXX of 2022 I was locked out of my account because of a 90 day mandatory password reset. When I tried to resolve the issue online, I was informed I had to call in to customer service. After being verified by their automated system, I was direct to a customer service rep, who also made me verify my information. After that I was told since it was a business account I would have to verify even more information. At the time, I did not readily have the answers to the questions they were asking. I had become so frustrated by the process I decided to try again later. It was such a terrible experience I kept putting off calling back to resolve the issue. When I finally did in XX/XX/2022, I was given the same run around of verification questions, with the included request, to email my ID and a selfie to them. I have never had a bank request something like that for a password reset. I am concerned this is fraudulent and extremely poor practices to keep my info secure. I have spent more than XXXX trying to get a password reset sent to the email account associated with the checking account. Any help in getting my money out of this bank would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX, my wife and I were shopping for mortgages. We spoke with Quicken and a variety of other companies and decided to go with XXXX Bank, a company that has been great. We never gave Quicken the authorization to pull our credit, either verbally or otherwise. Still, a pull appears on our credit report. I wrote to the XXXX credit bureaus to have it removed. All three refused. I called Quicken earlier in XXXX, and they now say that they can not find the pull. As such, they are unable to remove it. They told me to contact the credit bureaus, as well as XXXX. The numbers they gave me, however, do not work. 

I have attached both mine and my wife 's credit reports from XXXX XXXX as well as the letter I sent to the credit reporting agencies last year. You 'll note that my score is much higher ( not sure why ), and the Quicken pull appears in XXXX. 

Long story short, they have no record of it = why is it there?
Product: Credit reporting or other personal consumer reports

Experian failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.
Product: Debt collection

This company has placed a derogatory remark on my credit. I have been paying the original creditor what I can every two weeks since I incurred the bill and have not missed any payments. I took my son to the doctor and was diagnosed with XXXX. I am not a rich person that can just drop {$1000.00} like nothing. Prices are way inflated. I have worked very hard on my credit. Seriously unfair.
Product: Vehicle loan or lease

On XX/XX/XXXX I was given an extension for my XX/XX/XXXX payment of {$560.00} from American Honda Finance. I received a confirmation of this in the correspondence section on their website. I was advised there is no paperwork for me to sign. This made my account now due for XX/XX/XXXX. On XX/XX/XXXX I made half of the XX/XX/XXXX payment and on XX/XX/XXXX I made the other half of the payment for XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter in the correspondence on their website that they needed signed documentation for my extension. I called them on XX/XX/XXXX and was advised they had sent me paperwork but had not received it back. They told me they would send it to me in two business days. I called back ( within 10 minutes ) to ask how the paperwork had been sent to me. This representative told me that they never sent me any paperwork and didn't need any but she would get with her supervisor and someone would call me back in two days. No one did. 

Because the first representative told me they would be sending me paperwork, I called back on XX/XX/XXXX and asked about the paperwork. This representative told me that since the extension was already processed, they didn't need me to sign anything. 

Today, XX/XX/XXXX, I received an email that my loan was past due for XX/XX/XXXX. I immediately contacted American Honda and was advised they had " backed off '' the extension for XXXX 's payment because they never received the paperwork back from me. I confirmed with the rep that it was never sent to me. She advised they were sending the request back to that department for an extension for XX/XX/XXXXXXXX XXXX payment instead. 

I called back a few minutes later to ask if they could please escalate this request to take care of it today and the representative advised me that they had just started the new request and it would still take up to 2 business days to get a response. I advised this was American Honda 's mistake that they never sent me anything to sign and I had been advised by three representatives that there is nothing for me to sign to process the extension. I also advised that I have documents from them stating they already processed the extension for XX/XX/XXXX. I asked to speak to a manager or supervisor. I was advised that I could not as " this is call center. '' At this point, I don't trust them to send me the paperwork, call me back, or process the extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, This is my third time submitting a complaint that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items for {$870.00} I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an accounts that does not belong to me.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 there was a late payment implemented on my credit report. I contacted the institution multiple times on this matter with no resolution. The institution is XXXX XXXX XXXX XXXX. 

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC -1681 section 602 states I have a right to privacy. 15USC-1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666b a creditor my not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00} and XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently subscribe to a " sports package '' of television channels with the XXXX co. I soon came to find out that I was getting revolting political comentary on the sports channel that I 'm paying for. When I went to cancel the subscription package with XXXX they told me that XXXX ) I would be charged a higher monthly fee if I try to cancel XXXX and XXXX ) if I cancel my service with XXXX that I would have to pay an early cancellation fee of {$220.00} dollars or else they would do harm to my credit rating. I feel as though XXXX is the one that broke the contract with me for providing revolting political commentary on what I thought was going to be a " sports '' channel. 
Please help me end my service with XXXX in a way that prevents them from doing harm to my credit report. 
thanks you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear [ CFPB ], I am writing to file an urgent complaint regarding fraudulent charges that have been reported on my credit report. I am a victim of identity theft, and my personal information is being used by an unknown individual across various accounts that I do not recognize or authorize. I travel frequently and am not well-versed in managing my credit, which my wife recently reviewed and found multiple accounts that have been opened in my name without my knowledge. This is an ongoing and dangerous situation that has persisted for months. Despite my repeated attempts to resolve the issue, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate the charges or transactions. I was not notified by the credit bureaus or creditors within the required XXXX window, as outlined in 15 U.S.C. 1692g ( Validation of Debts ), which I was informed about by my lawyer. This failure to notify me is illegal and violates my consumer rights under federal law. As per 15 U.S.C. 1681 ( Fair Credit Reporting Act ), my right to privacy, confidentiality, and accurate reporting has been directly violated. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, which has clearly occurred in my case. I demand immediate action to remove these fraudulent accounts from my credit report and protect my privacy and rights. I will pursue legal action against both the bureaus and creditors involved for failing to provide the necessary documentation and for violating my federally protected rights. 
the accounts : 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 XXXXXXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to the Experian Credit Bureau to REMIND them that there is no involvement from a third party. They can not legally contact third parties with my private or sensitive information for any reason. Lack of permission defines fraud. The items listed below are false and are having an effect on my ability to establish credit. I want this removed right away! 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$100.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} ; XXXX XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I'm looking to purchase a new home for the first time and I've never looked at my credit before. To look at it and see these fraudulent items was quite disappointing to say the least. According to law 15 U.S.C 1681 there should not be any damages to my report, it's a defamation to my character.