23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX in XXXX, TX fraudulently opened up an an account under my name without my knowledge. 

My husband opened an account with my children in which a card is on file and autopay is set up. When the account was opened he asked me on a call if I would like to join and I declined. 

The manager got my name during the process and opened up an account under my name separately to receive a commission for opening the account. 

The new ownership of XXXX admitted to me and my husband that they can see there is no signature from me or paperwork that has my signature. The new owners also admitted this same situation has happened to several other customers. 

The account was unpaid as I was unaware it had been opened. I have never used that facility at anytime or spoken to anyone prior to seeing the collection on my credit report. 

Aldous and Associates has collected the debt and is reporting on my credit report. 

I have spoken to the debt collector and XXXXXXXX  XXXX XXXX about this issue. The manager has been unhelpful stating this happened under previous management and they have no knowledge. Aldous and Associates has said I need to file a report. 

The manager at XXXX XXXX XXXX XXXX TX has not bothered to follow up with me. 

I have a perfect payment history on my credit report. I attended a Spin facility in which I have automatic payments set up. 

The account at XXXX was set up fraudulently under my name. I need help getting this removed as soon as possible. It is taking my credit score down XXXX points. 

I am also contacting you to alert you that other customers at XXXX, XXXX have also had this happen to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX You are in violation of The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Remove these late payments update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX account assigned to Collections is Fraud. Never open personal accounts with XXXX Demanded documents of verification from XXXX and never responded to by XXXX. 

This is fraud account. ID theft report filed
Product: Mortgage

I am writing to express my deep dissatisfaction with the handling of my mortgage account by United Wholesale Mortgage. Despite reaching the required equity threshold of 23 % in my home, I have encountered significant obstacles in having my Private Mortgage Insurance ( PMI ) removed, which is both frustrating and unfair.

I have been a loyal customer of United Wholesale Mortgage since 2019 and have always made timely payments towards my mortgage. It is disheartening to experience such a lack of responsiveness and assistance when attempting to address an issue that should have been resolved promptly. 

According to my records, I currently hold 23 % equity in my home, exceeding the required threshold to eliminate the PMI. However, I have been informed by your representatives that I need to obtain an appraisal to proceed with the removal process. This requirement is perplexing and contradictory to the terms and conditions of my mortgage agreement. 

As a responsible homeowner, I have diligently monitored the market conditions and observed the steady rise in property values in my area. It is evident that the value of my home has appreciated significantly since the time of the loan origination, further strengthening my case for PMI removal. Requiring an appraisal under these circumstances is not only an unnecessary burden but also an unjustifiable cost that I should not be obligated to bear. 

I kindly request that United Wholesale Mortgage promptly reviews my case and takes appropriate action to remove the PMI from my mortgage. 

My corncerns were not addressed in a timely and satisfactory manner, and I had no choice but to explore alternative options, such as filing a complaint with the appropriate regulatory authorities or seeking legal counsel to protect my rights as a homeowner. 

I expect a swift and satisfactory resolution to this matter. 

Thank you for your immediate attention to this matter. I trust that United Wholesale Mortgage will rectify this situation promptly and restore my confidence in your institution 's commitment to providing excellent customer service. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Company identified themselves as a debt collection company via email, and is emailing me multiple times a week. Company is using a robocaller to call me at my work, on a work cellphone, 2-3 times, every single day. I have kept complete records of the number and frequency of this company 's daily robocaller calls to my work 's cellphone. I have emailed them multiple times to let them know that I do not have service with the company they are trying to collect a debt for. I have also emailed them to let them know that their continued actions are a violation of the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, yet their emails and robocaller calls to my work 's cellphone continue to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX has violated my rights. The date opened is inaccurate. It's reported on Transunion as a different date compared to XXXX and XXXX. The alledged debt shows as charged off, but another account from XXXX XXXX XXXX shows the exact same account number. Both companies have violated my rights. A debt validation letter was sent to XXXX XXXX XXXX in early XXXX. 45 days have passed and they have yet to send me proper documentation proving I owe on the alledged debt or showing that I have ever done business with them. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX XXXX has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports. 
XXXX XXXX, has violated my rights. Also shows inaccurate date opened when compared on all three consumer reports.

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 : 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: Mortgage

My mortgage was previously with XXXX XXXX, where it was paid and serviced perfectly. 

My loan was recently moved to Flagstar and they failed to pay my real estate taxes from my escrow account. 

I will now have a late fee. 

I tried calling, texting, chatting etc to reach someone regarding this issue but it is impossible to get in touch with a real human. 

The 24/7 loan servicing number just means that it will ring 24/7. They do t answer and dont service anything.

If your mortgage company cant pay your taxes then what use are they? If Flagstar does not want to use my adequate escrow balance to pay the property taxes, they are more than welcome to use their own funds to do so. 

My contract with them is to collect my escrow and pay my he taxes if you fail to uphold your end of the agreement then you can refund me my escrow payments since you provided no service, then I will sue you for breach of contract.

0 stars for Flagstar you had one job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the account numbers XXXX, XXXX****, and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( XXXX ) be removed from the following account ( XXXX ) immediately. XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This credit card was paid months ago still showing a balance on my credit report also showing missed payments. The credit cards been paid off, so there are no missed payments.
Product: Credit reporting or other personal consumer reports

My credit was pulled by multiple different dealerships car dealership that I did not authorized. The dates are in the descriptions of when the. Credit inquiries took place. I did not authorize or give permission for these to be ran. It is all unauthorized.
Product: Credit card or prepaid card

Indigo ( genesis card service ) is refusing to close my account after I paid it off and asked for it to be closed. They are playing games and lying to me and it is beyond frustrating. I keep receiving bills for {$0.00} and my account is still open. They are keeping my account open for their own purposes against my will. I have lost hours of my life trying to get them to close my account but they just continue to lie to me and tell me its been closed when it very clearly has not been. I WANT MY ACCOUNT CLOSED
Product: Bank account or service

I open a citigold account with a bonus offer. 
And got a confirmation message that I have met all requirement and the bonus will show by XXXX/XXXX/2016 in XX/XX/2016. But in XX/XX/XXXX, Citi denied my bonus says I am not the targeted user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Mortgage

On XX/XX/XXXX we closed on our home in XXXX XXXX, Ohio. At that time, our title company paid our XXXX and XXXX taxes to XXXX XXXX, Ohio. On XX/XX/XXXX First National Bank of Pennsylvania also paid our XXXX taxes in the amount of {$2400.00} to the county. 

To resolve this overpayment of taxes, I attempted to call the bank multiple times, leaving a message with no return phone call. I was able to speak to someone in the mortgage department on XX/XX/XXXX, but was directed to call the title company instead. During the phone call, the mortgage company did confirm that they paid our XXXX taxes on XX/XX/XXXX to XXXX County. 

Upon speaking to the title company, they confirmed that their check was cashed, so it was the responsibility of the mortgage company to reach out and ask the county for a refund. As of XX/XX/XXXX I have been unable to speak with anyone in the mortgage department. I left a message on XX/XX/XXXX and XX/XX/XXXX. I have also reached out to our original loan officer, who  directed me back to the mortgage department. Additionally, I have sent emails to their customer service department and leadership email listed on their website. 

It has been 41 days since our home has closed and we have yet to receive any of our escrow account funds or documentation from First National Bank of Pennsylvania. Nor have we come to a resolution on the overpaid taxes.
Product: Mortgage

Option one mortgage company. XXXX  XXXX XXXX XXXX, has fail too give me the ownership paper too the company. Operational agreement, spendthrift paper too me as to new owner and beneficiary. From the old owner. I need cpa accounting too what yall been doing with my money, my companies make .and a copy of the operational agreement, from the old owner XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX  XXXX , XXXX XXXX . XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access Experian and XXXX, but I received a summary from XXXX, but not a complete report. This happened on XX/XX/XXXX. 

The XXXX  did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with XXXX, but the Website did not proceed past a certain point. 

Accordingly I called XXXX  this morning to dispute the item by phone. This happened today, XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XX/XX/XXXX. 

Regarding Experian and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX : # XXXX, has violated my rights. 

XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

XXXX XXXX  : # XXXX, has violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 exclusions Number 2 ( a ) ( 1 ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also under 15 USC 1692 1692k civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Credit reporting or other personal consumer reports

I am writing to report that I was a victim of the Equifax data breach, during which my personal information was compromised. As a result, I believe that the following accounts and their associated late payments on my credit reports were caused by or directly affected by this breach. Specifically, I suspect that fraudulent activity or errors stemming from the breach have led to inaccuracies and unverifiable information being reported by the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified and unauthorized items must be removed. I never gave you permissible permission to report without my consent and I never consent anything 15USC1681.
Product: Credit reporting

Per Original CFPB Case # XXXX, Equifax has yet to comply w/ my XXXX/XXXX/XXXX request to move the 'Consumer Statement ' ( which will expire on XXXX ) from the top of Accounts section to the XXXX XXXX XXXX ( XXXX ) account which it references. The XXXX/XXXX/XXXX request also asked that the XXXX/XXXX/XXXX letter supporting same be added to the XXXX account entry. As was the case when originally submitted, Equifax has refused to process the online dispute request as submitted. 

With respect to the forgoing, I have subsequently asked Equifax to provide the following : a ) Credit File documentation confirming the above request has been satisfied And/Or b ) Credit File documentation confirming that the XXXX is no longer being reported ( as is the case w/ other credit reporting agencies ) Although the request was reiterated in my XXXX/XXXX/XXXX letter to Equifax Personal Solutions President, XXXX XXXX ( attached ), the company is yet to respond.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed some hard Inquiries that I don't recognize. 

XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX once again lied and has lied over and over. I have requested you government to abolish all 3 credit comoanies since all are not reliable and have collected unequal and inaccurate information. Some are ruined and were not able to buy a house or car or whatseoever. It is all because of reporting abuses. In this case, you will see both letters are from XXXX. On same date. But both have different scores. That is why I suggest you to abolish those companies for they have done nothing but misled many companies and businesses that deal with customers who worked hard to reach something greater. The score faked by the XXXX company, see for yourself here in the pictures.
Product: Checking or savings account

I tried to withdraw my money from my XXXX account. They flagged my withdrawal as suspicious and required me to submit identification. I submitted the required documents and it has been XXXX weeks with no response. Everytime I log in and check the date of estimated response get pushed back another day. Please help they have {$XXXX} of my money. I never even placed a trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I bought a pan from XXXX, and they sent four boxes I did not order. I returned all the boxes to XXXX and they credited my account. But Discover card sent bills from XX/XX/XXXX until today. The last bill dated XX/XX/XXXX is asking to pay XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.