23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was recently transferred to Seneca Mortgage Servicing. I have made my required mortgage payment in written check form in the amount owed plus additional amounts to go toward the principal balance of the loan. To this date Seneca Mortgage Servicing has received my written checks with the coupon that is attached to their monthly mortgage statement, but have yet to credited my account the full amount that they have withdrawn from my banking institution. The mortgage statements that they have sent me, reflects my mortgage account history since they have taken over servicing. Seneca Mortgage Servicing has applied my payments as they want, regardless of my coupon stating where to put the money. For instance XXXX of my mortgage payments breakdown was in XXXX different accounts ; Principal, Interest, Escrow, and OTHER. 
I have talked with a XXXX different service representatives, XXXX last week and XXXX this week. XXXX representatives have not been able to give me any indication that they know what has happened to my mortgage payments. I have asked them to have a research analyst review my account and get back to me, twice. I also asked the service representative what was the definition of the " OTHER '' account, neither service representative had an answer. The mortgage statement already has a section titled late charges/fees, so why do they need an account titled " OTHER ''? Is this legal for a company to park money in an unidentified account and not be able to tell you why it is being held there. To date I have yet had any resolution for Seneca Mortgage Servicing misappropriation of my mortgage payments.
Product: Vehicle loan or lease

XX/XX/2023 {$12000.00} tried resolving car was stolen I was still charged then debt placed on my report with false information
Product: Credit card

There was a charged item in the card statement in XX/XX/XXXX for a XX/XX/XXXX charged item {$56.00} plus. I disputed the amount and never been resolved. Subsequently I requested to close the qccount in XX/XX/XXXX and until now the account is open and accumulating interest and late fees. Please keep this complaint in your record file against Barclay or Credit Card Service with business address of XXXX XXXX XXXX, XXXX, DE XXXX.
Product: Mortgage

Rocket mortgage assumed my loan as the mortgage servicer, this mortgage has been in force for approximately 5 years. The escrow disbursement for payment of property taxes has always been received by check prior to XX/XX/XXXX of the current tax year for payment. I received my XX/XX/XXXX billing statement on XX/XX/XXXX. ( statement date XX/XX/XXXX ). Under the escrow it indicated that there was XXXX disbursement, I called Rocket Mortgage service help line ( XXXX ) XXXX and spoke with XXXX. She acknowledged the expected disbursement date of XX/XX/XXXX in the account notes but did not have a reason or any further information as to why my tax escrow check had not been sent. She did state that it should be sent before the tax due date in XXXX. I explained that the escrow check needed to be received before XX/XX/XXXX. Then paid for tax purposes as had been done for all other prior years. I requested that the escrow tax check be overnighted by XXXX, She stated that she would forward the concern to the Tax and escrow department ( I was told that I could not speak directly to them as they were not customer assessable ) and they would call back within XXXX if not that same day. I was called back by XXXX XXXX. XXXX hrs later, she restated that the escrow for taxes would be sent prior to the due date in XXXX and had no further explaination but said that the tax and escrow department would now call back within 48 hours if i wanted them to, I said I needed to speak to them now as the deadline to pay my property taxes was within that 48hr window. She again stated that that department couldn't be accessed directly by the customer. I then asked if there was someone to lodge a complaint with either with the company and/or federal regulatory agency. She said no that isn't something she was aware of and knew of no other contact numbers. I stated that I would do the research myself and that how this CFPB complaint came about
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  CREDIT CARD. 
APPEARS TO BE RE-AGED. 
NEED PROOF OF INVESTIGATION IN TO INCORRECT DATE OF FIRST DELINQUENCY AS 7 YRS IS NOW PASSED. AND SHOULD BE REMOVED FROM CREDIT REPORTING. 
SEE ATTACHED.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint personally to resolve INCORRECT personal information and UNAUTHORIZED inquiries on my record that don't pertain to me. It's crucial to remove this fraudulent information right away.
Product: Credit card or prepaid card

I have possessed a Walmart Capital One card since XXXX. I have NEVER been late with a payment. On XX/XX/XXXX I was on XXXX and tried to make a purchase and was told my card was declined. I called capital one, talked with a voice prompt and they asked me to confirm I tried to make the purchase today. I confirmed I did and it said I should go ahead a place the order. Tried and it was declined again. I Called Capital One and talked to a live person this time. On the XXXX call the girl said I reached my credit limit. I said then we have fraud because I have no new purchases on the card. She transferred me to operator XXXX. That person informed me that because I had a bill of {$38.00} that was due on XX/XX/XXXX ( 7 days ago ) they shut down my entire account. I said, that's impossible. No phone call, no XXXX mail, no notice, you shut down an account because I'm 7 days late and I've never been late before?? She said that is how it's done at Capital One. I asked for her XXXX and was told she is the highest person I can talk to. I called back and talked to another person and was told the same thing. I can't believe the law allows Capital One to shut down an account without notice for {$38.00} for being 7 days late, when I have never been late before. Wouldn't a person just get a bill the next month with an unpaid balance notice and a late fee. To shut down the account is insane. Please help, this can't be the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit card or prepaid card

First Progress bank put a closed account on my credit report about 2 months ago. I disputed the account as fraudulent and they responded saying that they weee able to verify my identity. I have had a ro lemon with the credit bureaus opening credit accounts in my name without contacting me to verify my identity. Specifically XXXX allowing upgrade bank to open an account with fraudulent information. I am asking that First Progress remove this account from my credit report immediately.
Product: Credit card

On XX/XX/2016, I went to the XXXX # XXXX at XXXX. I presented their XXXX XXXX as membership evidence. And I paid {$100.00} worth of merchandise by cash. 
A few weeks later, Citi XXXX card sent me a bill of # XXXX for the merchandise. 
I was shocked. I contacted Citi directly and placed my dispute by mail asking my signed authorization. Citi emailed me on XX/XX/2016 saying they will investigate this. I wait a month and a week. But Citi did not reply about investigation result but carry this charge on their statement. 
This was face to face transaction and they needed to obtain my authorization signature on the transaction slip if I used credit card. But they did not do it because I paid by cash on the spot. This is why they do not have my authorization signature on the sale slip. 
Citi visa continuous billing for this unauthorized transaction really both me and my credit rating. This is why I am filing this complaint.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX XXXX XXXX for Failure to Provide Documentation and Fraudulent Account Reporting. 

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their handling of an account that they have reported as mine. Despite my efforts to seek validation of this account, XXXX XXXX XXXX has failed to provide me with the necessary documentation. I want to reiterate that this account is not mine and is a result of fraudulent activity. 

On XX/XX/year>, I emailed XXXX XXXX XXXX requesting documentation to verify the legitimacy of the account in question. However, to date, I have not received any response from XXXX XXXX XXXX, nor have they provided the requested documentation to validate this debt as mine. 

In addition to their lack of response to my email, XXXX XXXX XXXX has also failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These violations include : XXXX. Failure to provide accurate and complete information about the account. 

XXXX. Failure to conduct a reasonable investigation after receiving a dispute from a consumer. 

XXXX. Reporting inaccurate information to credit bureaus without verifying the accuracy of the information. 

XXXX. Failure to provide a method for consumers to dispute inaccurate information. 

I am deeply concerned by XXXX XXXX XXXX ' lack of transparency and their disregard for consumer rights. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for their violations of consumer protection laws. 

As a consumer, I have the right to request and receive documentation that substantiates the existence and ownership of any debt being pursued by a collection agency. It is imperative that XXXX XXXX XXXX complies with this request in a timely manner to ensure fair and lawful treatment in this matter. 

To clarify, all of the following documentation is required to substantiate the legitimacy of the collection account in question : XXXX. A complete account statement detailing the original creditor, the amount owed, and the date of delinquency. 

XXXX. Copies of any contracts or agreements related to the debt with my signature. 

XXXX. Proof of ownership of the debt by XXXX XXXX XXXX. 

XXXX. Verification that XXXX XXXX XXXX is licensed to collect debts in my state. 

XXXX. Any other relevant documentation supporting the collection account 's validity. 

If XXXX XXXX XXXX is unable to provide the necessary documentation to validate this debt as mine, I demand that they immediately delete this account from all credit reporting agencies to which it has been reported. Failure to do so will result in further action being taken to protect my rights as a consumer.
Product: Credit card or prepaid card

On XX/XX/2020 a charge called XXXX XXXX for XXXX posting on XX/XX/2020 was an XXXX  transaction where I bought a XXXX case and its fake - looks nothing like the pictures - its a pasted decal on a plastic case selling as some real designer case. XXXX closed the seller down and threw them off the site so I cant contact the seller where it states it was coming from CA - the item is fraudulent- the seller you cant get a hold of bc XXXX pulled them off for this and Im not paying this ... so either you credit me and take it up with them or Ill have my attorney write you personally. Your choice
Product: Credit reporting or other personal consumer reports

Several companies emailed me denying applications for personal loans in excess of {$5000.00}. I contacted them XXXX  declined ; XXXX XXXX filed a fraud claim ; and XXXX XXXX. Denied due to lack of credit file. No one at Credit Karma will assist me or help me figure out why this is happening! I asked to close my account yesterday and another ( XXXX XXXX ) emailed me today! What am I to do?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, after which I may request an extension of the block. During this period, you may not report or reinstate any fraudulent information on my credit report. 

I have contacted the credit bureau multiple times to report these fraudulent accounts, yet no resolution has been provided. This issue has significantly impacted me, especially as I am in the process of acquiring a home for my children. Additionally, these collections were removed and not verified by other bureaus, which raises concerns about the inconsistent handling of these accounts.

I have also requested contracts from the company reporting these accounts to verify my information, but after more than 60 days, I have received no response. I urge you to take immediate action to remove these accounts. Attached is my FTC Report for further reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information since XX/XX/2018 - Here 's some of the report numbers : I noticed there were items that had been removed were back on my report so I called equifax to ask why they were re-inserting items on my credit report that were removed. The next thing I know everything was completely deleted from my credit report XX/XX/18 - Equifax claimed to have loss all of my information and suggested that I fax a letter with my missing information via fax- which I did. Now, they are putting items that were previously deleted and re-inserted them without a certified letter to me explaining why-which by law is required within 5 days. 

I'm so tired of dealing with Equifax its a game to them and they are responsible for me not being able to obtain credit. Equifax does not follow any of the 609 rules or anything!

Here 's a list of the reinserted items : Acctmanagement original XXXX XXXX XXXX XXXX {$340.00} ( hippa law ) XXXX XXXX  - {$12000.00} I have asked them to remove ALL ADDRESSES that are NOT associated with me and even sent an affidavit - they refuse.
Product: Debt collection

US Bank Home Mortgage continually calls me, as much as ( 4 ) times per day at my desk at work. They call XXXX, which is my work cell phone. I am delinquent nearly 30 days on my mortgage. I have spoken with a US Bank home Mortgage representative each day since XX/XX/XXXX and run through my financial information and the fact that I have moved to XXXX from XXXX after losing my job in 2008. I have kept up the mortgage payments since I lost my job utilizing my savings and my 401k funds, which are both now exhausted. 

I do have an offer on the home ( finally ) pending. I have asked them to stop calling and to see what happens after the home is sold where upon I can satisfy the mortgage in full. No kidding, their representative XXXX ( ID # XXXX ) told me they will call as much as once an hour until I satisfy the mortgage. This needs to stop.
Product: Credit card

XXXX XXXX XXXX XXXX  In XXXX I got charged close to {$17000.00} on my XXXX  XXXX XXXX XXXX from the months of XXXX to XXXX these XXXX vendors XXXX XXXX and XXXX XXXX  ). I had contacted them in XXXX and we worked through the charges. in which Chase initially replaced my credit card removed all of them. Even with the new card number charges came back in which Chase removed and issued a new card. This happened a few times in XXXX and XXXX of XXXX. 

XXXX of XXXX Chase had removed all charges on my account. In XXXX of XXXX they put back {$9000.00} as charges onto my account. I have tried to work with them since without much results. I am now paying on debt that is not mine. I am uploading a statement showing these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2023 TransUnion received my request for a reinvention of a XXXX XXXX Bankruptcy. on XXXX 2023 TransUnion replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. TransUnion violated the FCRA 15 U.S.C. 1681e ( b ), TransUnion failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that TransUnion did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference XXXX. PLEASE ENCLOSED ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

Cant remember dates But it has to do with address Credit Cards that I dont have Also personal loans that are in my credit report I should only have one and thats a car loan the name on it is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Bank Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX The XXXX XXXX XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariner Finance # XXXX The above-aforementioned company has violated my rights. 

15 U.S.C 1681 section 602a states that I have a 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 instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 states that 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

This is my sixth 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ).

I previously disputed an account EMVLP II, LLC on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from Experian within the required five business days.

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing.

I have already contacted Experian regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Experian complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX