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

My name is XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Mortgage

Multiple failed attempts at resolving the payoff of my mortgage. Customer service has been caught in multiple lies and fail to resolve issue. 
We purchased a home in XXXX, OK in XX/XX/XXXX and our mortgage was originally established with XXXX. My Account number is XXXX. We sold our home and closed on our mortgage on XX/XX/XXXX. The payoff was wired to Loancare and received the following week. The very same week they allegedly distributed the real estate taxes to the County. In addition the taxes were paid at closing with funds from the sale. This created a deficiency in the escrow that was not accounted for at the time of close. When Loancare received the wire they made no one aware of this and held the wire for three weeks until the title company and myself reached out to see why the loan was not considered paid in full. They said that the escrow deficiency was the reason that the wire was held because the pay off was not correct in their eyes. As I type this complaint the County has not received the tax distributions that Loancare alleges they have sent. We have asked Loancare to put a stop payment on the tax distribution and accept the wire. Instead of resolving this issue there the wire was sent back. Since then we have contacted the customer service department around 10 times to seek resolution. They still maintain that the taxes have been paid although the county has no receipt of the payment and Loancare can not produce anything indicating that the taxes have been paid. The title company is hesitant to resend the wire until the alleged escrow deficiency is resolved. The only record of payment that the county has is from the title company at the time of close from the funds of the sale. We have had the County on the lookout for Loancare 's tax payment. To date the payment has not been received by the County and Loancare will do nothing to resolve this. The title company is in the process of filing a formal complaint with the CFPB due to the trouble both of us have had getting this resolved. I am turning to the CFPB because it has been two and a half months since I have closed on my mortgage and we still have no resolution. Loancare has sent a foreclosure notice to me for a property that I no longer own. This is unacceptable to put it mild. I am at risk for having late payments posted on my credit report because of my mortgage company 's inability to get this resolved. If they had paid the taxes as they said the county would have received it by now and returned the money. They are lying to me and the title company and we will not suffer for it. In actuality if anything they owe me money from escrow after all is said and done. Please help.
Product: Mortgage

Shellpoint the company servicing the my mortgage account since XXXX of 2019 has impose fees such as escrow. I have asked for Shellpoint to send me a itemized letter of calculated escrow, monthly payments used for escrow and payments sent to escrow and the balance at the time and they have failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX-XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX-XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to respond to my request for debt validation ( not verification ) on an alleged account reported to them by XXXX XXXX ( Not XXXX XXXX ) within 30 days as required by the FCRA. I submitted this request to Transunion on XX/XX/XXXX and did not receive the information required to validate the alleged debt from Transunion by XX/XX/XXXX as required by the FCRA.
Product: Credit reporting or other personal consumer reports

Some of the information listed is cause for concern! These unauthorized accounts pose potential damage to my credit standing and financial future. I request prompt removal of the fraudulent information.
Product: Checking or savings account

Id like to address an issue Im having with Bank of America denying my claim violating my rights on my funds and not following proper protocol and have not done a proper investigation to support there decision on my claim Im requesting that they follow proper regulations. And that I may be returned what was insured by these transactions that were unauthorized and if they need more time as mentioned that they credit me while they investigate this case. I believe that there denying my claim in order for them to cancel off a hardship on a denied claim and to credit me after the 10 days so that the claim is open after the 10 days so that Im not credited and no hardship for it since it cant file for any hardship and cancels out the credit before 10 days XXXX XXXX XXXX
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. After reviewing my credit report, I have discovered an account that I did not open or authorize. This account is clearly the result of fraudulent activity, and I demand that it be removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX and Bankruptcy XXXX XXXX XXXXXXXX
Product: Credit reporting

On XX/XX/2016 I contacted Convergent Outsourcing Inc. to settle a debt that was not listed on my credit report at all. I spoke to a rep and she explained to me that the settlement is for {$270.00}, which by paying this amount the debt would be considered paid in full and it would be cleared up. I paid it and within the same day I received an alert that they changed my account twice ( they duplicated the payment and my credit card company reverse one of the transactions ). I thought everything was over, but in XX/XX/XXXX I received an alert from my credit monitoring app that Convergent Outsourcing Inc. is reporting this account to all XXXX credit bureaus as a unpaid account. I contacted Convergent Outsourcing and spoke to two different reps ( XXXX XXXX and XXXX XXXX ) and I explained that I paid this debt 6 months ago I have the confirmation and credit card statement to show that I paid it. I also asked both of them why did the company post this account to my report if I paid the account 6 months ago, neither one of them could explain to me what happen. The dishonest from this company and their reps and completely uncalled for. They should be able to report anything to the credit bureau if the account was paid and settled 6 months ago. This account needs to be deleted and an investigation needs to be done to see why this company is scamming customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt  collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Vehicle loan or lease

On XX/XX/scrub> 2024, my vehicle financed thru Bridgecrest was involved in a total loss accident. Throughout the total loss process, Bridgecrest employees have given me misinformation and broken promises to follow up with me and to take specific actions on my account. Throughout the month of XXXX, I made Bridgecrest aware of my concerns regarding the potential impact of them failing to properly apply all payments to my account, over the course of several phone calls and also a written letter on XXXX XXXX, 2024. On XX/XX/year>2024, XXXX XXXX, the director of Legal for Bridgecrest, stated in writing that no money was due from me on my account, and that nothing on my account " would warrant future negative credit reporting. '' On XXXX XXXX, 2024, XXXX XXXX once again stated in writing that all obligations under my account were complete, and that a {$36.00} balance due at the end of my loan was waived. On XX/XX/scrub> 2024, Bridgecrest went against their written assurances and reported inaccurate, negative information about my accounts to the credit bureaus which caused an immediate and significant decrease in my credit score, at a time when I am shopping for a new vehicle. The company also mailed me an overpayment refund check for {$77.00}, despite the director of Legal previously stating in writing that there was a balance due at the end of my loan which needed to be waived. I do not believe that the balance at the end of my loan has been calculated correctly, as I have received multiple pieces of conflicting information in writing from Bridgecrest. Although the company states they have submitted a correction of negative info on my credit report, they have not yet explained why this information was reported after the director of legal XXXX XXXX promised in writing it would not be. I also continue to experience significant financial losses as a result of this incorrect negative information appearing on my credit report. The company has also admitted in writing that the negative information could take up to 60 days to be removed from my credit report, during which time my credit score will continue to be negatively impacted. Bridgecrest, to date, has not offered me any offer of compensation for these losses.
Product: Checking or savings account

I opened a business bank account with Chase on XX/XX/2024 on behalf of my LLC in XXXX XXXX Wyoming. I transferred everything over from my private client {$230000.00} on XX/XX/2024. My account got flagged twice and the transfer finally went through then the shut down the account XX/XX/2024. I went to the bank in XXXX on the XXXX when I noticed my account was gone. XXXX told me that they wrote me a check and that I would receive it in 10 days. I then called the customer service line and they said the account closure is still pending today XX/XX/2024. The bank said the reason why it was closed was because my name was not on the secretary of state records which is not required by Wyoming law and the whole reason to open a LLC is to protect my money and name from creditors. The banker who opened the account neglected to tell me this so technically this is their fault. If at all someone comes after that money or they take any out for fraud I will file a lawsuit.
Product: Debt collection

XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an a personal private loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the collections in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

While enrolled at  XXXX   XXXX  it was my understanding that I only had subsidized and unsubsidized loan. When applying for a house last year it was brought to my attention that I had a private loan through FA-PEAKS showing on my credit report. This was news to me as I was unaware of any private loans for my schooling. I contacted FA-PEAKS and the were very unreasonable with their request as far as a repayment plan. The total loan amount was for {$9700.00} but they wanted at least {$4500.00} to even start a repayment plan. This seemed very fraudulent to me the more I spoke with the representative and the more I researched the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3800.00}
Product: Debt collection

A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything. 

Have receipt off hospital Pictures of medical And bankruptcy That's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX Pictures available
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that do not belong to me. I have been fighting this for months. 

These following accounts are not mine : Shabana XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
Product: Money transfer, virtual currency, or money service

Someone on XXXX was selling tickets to the XXXX vs XXXX game for {$160.00} for two tickets. They stated they would transfer the tickets to me thru ticketmaster as long as I sent them payment of {$160.00} thru Cash App. I sent them {$160.00} thru Cash App and never received the tickets. I contacted them thru twitter again several times via direct messaging and they eventually blocked me. I reported the account to XXXX and no resolution came. XXXX also has a policy in which reported DMs ( direct messages ) and conversations will disappear from your inbox and can not be recovered. That makes no sense to me, considering if you are reporting an account for fraudulent/scam behavior why would XXXX remove that conversation after being reported? From there I reported the transaction as a scam with Cash App and requested a refund thru Cash App on XX/XX/22 and they stated they would let me know the outcome on XX/XX/22. Cash App responded today on XXXX and said " We're truly sorry, but we were unable to recover your money. However, your report will help to prevent future scams. Thank you. '' This response and resolution is unacceptable, especially given the lack of response from Cash App for over two weeks. Neither XXXX or Cash App was very helpful or provided guidance as to how I can recover my money or report this scam to get further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief. 
The following accounts need to be removed from my credit report : XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$68.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute to have updated original loan amount of XXXX $ on my car loan with monthly payments of XXXX XXXX I also disputed the fact that my account was not in deferred status but was paid on time since XX/XX/XXXX until XX/XX/XXXX and should be reported on my account. Each month amount of XXXX $ was scheduled to be paid and were paid and should be reported. The balance on the account is XXXX $ and should reflect accordingly, instead credit agency removed my original loan balance to hurt my credit. I have summited documents to support my dispute, whatever credit report agency told me that they listen what creditor is telling them and creditor is telling me that credit report agency is reporting inaccurately so its back and forth hurting me and my finances, including job
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I was 30 days past due on my Amazon chase card also known as JPMCB card on my credit report. 
I called to explain that I was affected by Covid and had lost my job. I was receiving unemployment but in ended in XXXX of 2021 and a Covid-19 forbearance plan through my mortgage company ( attached document ).

The company did not properly notate my account of my request and hardship. Even though I paid them as soon as could, they did not give me any consideration for the natural disaster that I faced. 
I was later told that the company does not take into consideration any Covid related hardships. In the last three years that Ive had this account this was the only time that I was more than 30 days late and they put a negative mark on my credit report.

It is affecting my personal life via my credit score to refinance my home now.

I have submitted a document as proof that I was on unemployment due to CoXXXX and that my claim expired the same month of the delinquency incident in XX/XX/2021.
Product: Debt collection

Today XX/XX/22, we have gotten another phone call as has my grandparents about a debt that I do not owe. They claim I owe money from cash app/ bad check. 
I dont have cash app at all, havent written a check in many years. They REFUSE to listen to, talk so fast and swear I owe it. VERY rude to me and grandparents. Have even said warrant will be issued for bill. 
I have checked all my credit reports and there is nothing suspicious on it. Its perfectly fine. 
Im so sick of getting these calls and my grandparents as well. 
I have even called cash app. They verified I dont have an account, plus said if I did owe money theyd call me personally. 
Also my bank has NO record of this- bounced check, anything about cash app. Believe me IF I had written check that bounced my bank would have notified me immediately, also would have taken the money out of savings to cover it. 
Thank you for taking care of situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act TRANSUNION has violated my rights. They stated that XXXX XXXXXXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX : - XXXX XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX