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

XXXX : Recently checking my credit report I noticed that I've been a victim of identify theft and have found numerous accounts and inquires that I have no knowledge of here is a a list of accounts 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Remove These Accounts, Collections And inquires From My Credit Report.
Product: Mortgage

I was contacted by my current mortgage company to offer me a refinance of my loan on XX/XX/2016. The new interest rate was going to save me over {$70000.00} the term of the loan. So, I agreed I was sent the proposal the same day. We sign the electronic docs and sent over the additional info the following business day. XX/XX/XXXX I was asked to sign an additional doc which we did. Meanwhile I keep asking about my current mortgage payment. I stressed that I was concerned I did n't want to be late on my payment because I take my credit seriously. I was told several times do n't worry about it, that I would need that money to use for my closing on my refinance. On XX/XX/XXXX I received an email from the loan processor that my loan had been approved. On XX/XX/XXXX I received the electronic discloses and contract. I signed and returned on XX/XX/XXXX. I was then told that I could sign the documents with a notary on XX/XX/XXXX. I was told that the notary would contact me, which I had to call the loan processor several times that Monday and Tuesday stating that the notary had not contacted me so finally Weds. the day of the signing the notary contacted me and confirmed are appt. at XXXX. I waited until XXXX when she finally showed up to me home. I signed the paperwork and was told my paperwork was going out the next day. So I call on Friday day of funding was told buy the processor that my loan was going to fund at XXXX California time. Processor gave me my exact pay off to the penny. So, I said good please email me when its finished she said fine. Then I receive a call from the loan officer at XXXX eastern time stating my loan did n't fund due to the notary from the title company did n't send my paperwork in time. I was upset and asked why I was told that it was funding that day at XXXX. I was told I needed to make my old mortgage payment so it would n't hit my credit. I expressed that I did n't have an additional {$1700.00} due to I had already gave them {$1500.00} two days prior. I could n't stop payment on a cashier check and my bank was closed. It was now XXXX eastern time when I spoke to the manager of the loan processing department he stated Monday he would resolve this matter and funding would happen. I followed up today and was told that not only did my loan not fund, but was n't and I could n't get the offer until possible 6 months. XXXX top if off now this reported that Im 30 days delinquent on my credit. I expressed that I did everything I was told to due. So now Im penalized for someone dropping the ball. I do n't understand how an internal adjustment could n't have been done since I was refinancing through the same lender. Basically, I got the response of Im sorry. That is not right. How can the borrow suffer from the company errors and the title company that they use.
Product: Credit reporting

In XXXX, 2014, I disputed a number of accounts for my husband and myself against my Experian credit report. I also provided documentation to support my request. I received a notice that the dispute was received form the bureau. However, the items remain on my and my spouses report with no change. 

Since XXXX, 2014, I have submitted online disputes to no avail.
Product: Debt collection

I had a service in XXXX XXXX XXXX XXXX in XX/XX/XXXX due to the complication ofan opened XXXX XXXX. ( FYI, my medical bill 's responsibility would be XXXX after the annual deductible {$500.00} met ). My insurance paid a big bill for the year of XXXX due to the XXXX XXXXXXXX I did. For the fact, I have never received any bill from the XXXX XXXX for any balance due/owed, but only the statements sent me periodically with XXXX balance, which stating clearly- it is not a bill, the patient balance is XXXX. I was shocked when I received a collection letter, dated XXXX XXXX from XXXX which listed that I have owed {$530.00} to XXXX XXXX XXXX XXXX. I responded to XXXX for explaining that I have nerver received any bill from the hosptial, and asked them to proide me the statments from the hospital which showing the balance I owed or any evidence that I have ignored the collection process from the XXXX XXXX. But, XXXX only sent me the signed document, and a list of charged amounts from the XXXX XXXX. XXXX did not send me any proof of statements for the balance I owed to the hospital. I have been a medical biller/coder for almost 20 years, I know I could arrangement a payment plan with the creditor if I could not pay the blance in full. I would not ignore any balance which I have owed to any creditors. But before I could arrange a payment plan, a statement with the balance should be sent to me first. My credit score is over XXXX since I have taken care of my bills carefully. The collection process is still continuing by XXXX, in early of XXXX XXXX, I paid around {$48.00} to XXXX, since I was trying to get rid of this annoying collection action, but after a sincere consideration, I think if I do not owe them ( the collection agency ) why I pay, why my credit history is damaging. ( FYI, XXXX sent me the correspondence letter with the address without unit number ( # XXXX ), luckilly, our mailman was smart to send to me )
Product: Checking or savings account

In early XX/XX/year>, there was an attempt to debit our business " wires in '' account.

We provide our bank details to our 1,300 customers so they can pay via ACH, EFT, Wire, etc. We provide these details because the account was designed to have a debit block.

Because of the above attempt and Capital One Bank 's ( COB ) failure to adhere to debit protection, COB decided to hold the account under fraud protection.

It also decided to force us to close the account and is threatening to do so on XX/XX/year>. 

The " XXXX XXXX '' account is our business 's lifeline ; about 70 % of sales are paid through this account. It is a risk to our business to close the account so abruptly without having enough time to inform our customers of a new account.

It is COB 's negligence to have the debit block on the account, and now we are facing a major risk to our business 's well-being.

COB responded to my prior complaint ID XXXX by saying they would keep the account under fraud protection, which is fine by me. That solution is equitable, places safeguards ( that should have been placed before ), and brings NO risk to us or COB.

However, the response does not mention that the account will be closed unilaterally.

I called the bank 's representative, who responded to me three times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and left voice messages ( there was no email address on the response ). Till today I received NO response from COB, while the bank insists that the account will closed on XX/XX/XXXX ( in 3 days ). 

Time is of the essence, the CFPB 's involved is needed to prevent the account from forced closing.
Product: Mortgage

My mother and I closed on the home in XXXX XXXX, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was XXXX. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following XXXX, in which I followed through. I left XXXX voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in XXXX. I was able to continue making payments with the support of family members. In XXXX, I applied for and was granted an Home Loan Modification. I was employed as a XXXX XXXX XXXX from XXXX until XXXX XXXX when my business closed due to lack of enrollments. As of XXXX XXXX, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is incorrectly reporting to all 3 credit agencies that I was 30 days past due in XX/XX/XXXX. 

XXXX is incorrectly reporting to XXXX that I was 30 to 60 days past due in XX/XX/XXXX. 

There are several incorrect addresses reporting on my credit file. Please remove the following incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debt buyer, Has violated my right. 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 602 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. this account still show revolving and charge off in my credit report and this needs to be removed by law been incorrect information and dates. also it was reported as late payments for many months even though they knew i was going through bankruptcy, they improper used my credit report and this accounts needs to be removed also all the late payments needs to be remove from my credit report by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 an account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. These inaccuracies are stopping me from providing a home for my family.
Product: Credit reporting

I have been requesting verification of the following account that Experian continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to HUNTINGTON MORTGAGE CO XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or HUNTINGTON MORTGAGE 's customer service representative.
Product: Mortgage

I was lead to believe that I was unlocking equity out of my home.After a difficult divorce and a below average XXXX score, the company EasyKnock promised to help.This company manipulates and tricks people into signing over their homes at below market prices and failed to disclose the exorbitant fees and costs that they withhold during this transaction.Easy Knock then rented back my home at a much higher monthly payment than promised, and the rent continues to climb.Major home repairs were not addressed in a timely manner and on top of this, I am forced to pay for all repairs and maintenance on my home .This company is highly deceptive and detrimental to consumers.They have blatantly broken many truth in lending laws and violated all consumer protection regulations, including fair trade standards.EasyKnock has been banned from business practices in Massachusetts and has paid a major settlement fine. Easy knock is being heavily investigated by Attorneys Generals in XXXX, XXXX  and in my home state of XXXX XXXX.Please stop this disreputable business from stealing anyone elses hard earned home equity and livelihood.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
Product: Credit reporting

Equifax failed to Block fraudulent information on my consumer credit report that is being reported as a result of identity theft. Per XXXX XXXX XXXX ( a ) I have mailed Equifax a dispute on XXXX XXXX, 2016 about fraudulent accounts being reported on my consumer report attached with my dispute i attached my police report and FTC fraud affidavit and Equifax did not comply with XXXX ( a ) despite telephone calls and electronic communications about the fraudulent accounts being reported.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX INQUIRIES : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Reference # : XXXX record type : Bankruptcy XXXX  XXXXdischarged Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. And incomplete account # This ground for removal.
Product: Credit card or prepaid card

I was an authorized user on my husbands Synchrony accounts with Paypal Credit and Paypal Mastercard. He asked to remove me since he has fallen behind, but they refuse, instead trying to ruin both of our credit reports. They kept saying they can not do so despite him telling them on recorded lines in front of me to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I noticed there is an account I do not recognize
Product: Checking or savings account

They locked me out my account closed it I do know an unauthorized account was opened. I went to identify myself got stranded they took forever releasing my fund and other companies said my bills were reversed which I have no knowledge of.
Product: Debt collection

On XX/XX/2018 I received a bill for a {$4.00} toll-road charge from XXXX XXXX XXXX XXXX for using their toll road on XX/XX/2018. The bill says the due-date was XX/XX/2018, so I set the bill up in my bank 's BillPay system to distribute the funds on XX/XX/2018. 

On XX/XX/2018 I received a letter from the law offices of XXXX XXXX XXXX XXXX XXXX, XXXX representing XXXX XXXX XXXX XXXX, saying I had not paid this bill, and had been sent to collections for a total of {$35.00}. The letter was authored on XX/XX/2018 - a full XXXX XXXX XXXX XXXX days before the bill was due. 

To be clear : The funds were delivered in full ( {$4.00} XXXX to XXXX XXXX 's billing address of XXXX. XXXX XXXX, XXXX, CO XXXX on XX/XX/2018 - a full business day before the bill 's printed due-date. My bank can provide additional proof of this via a payment verification inquiry, if needed. 

On XX/XX/2018, I drafted and sent via Certified US Mail, two Debt Verification letters : one each to both listed mailing addresses for the offices of Linebarger Goggan Blair & Sampson, LLP. The letters were delivered XX/XX/2018 and XX/XX/2018, respectively. 

Despite the above, today, XX/XX/2018, I am in receipt of yet another bill from XXXX XXXX XXXX XXXX. 
Attached you will find copies of the original bill, the debt-collection letter, two debt  verification letters, two USPS Certified Mail Receipts, and one USPS transaction receipt with tracking numbers.
Product: Credit reporting or other personal consumer reports

I am expressing my profound disappointment and frustration regarding the handling of my repeated attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate. This leaves me deeply concerned about the integrity of your processes and the impact on my financial well-being. Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress toward resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively. I am requesting a thorough and expedited review of my case, with a firm commitment to prioritizing its resolution. Specifically, I request the immediate removal of all fraudulent items from my credit file and confirmation of their deletion. I also ask for transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. The fraudulent items in my credit file that need to be removed are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$480.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed XXXX {$480.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00}. Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests.