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

I am writing to file a formal complaint regarding case of identity theft that has severely impacted my financial stability and personal well-being. Despite repeated attempts to rectify this matter, I have yet to receive appropriate resolution from your bureau. This situation demands immediate attention and action from your end. On XX/XX/year>, I became aware of unauthorized transactions and accounts appearing on my credit report. After thorough investigation, it became apparent that my identity had been maliciously compromised, resulting in fraudulent activities under my name. These unauthorized accounts : XXXX XXXX, XXXX XXXX. 
These fraudulent activities have not only tarnished my credit history but also subjected me to financial liabilities that I am not responsible for. Despite promptly reporting these discrepancies to your bureau and providing all necessary documentation to prove my innocence, I have encountered significant delays and bureaucratic hurdles in resolving this matter. The lack of urgency and accountability demonstrated by your bureau in addressing this aggressive identity theft is unacceptable. It is imperative that immediate action is taken to : -Remove all fraudulent accounts and transactions from my credit report. -Initiate a thorough investigation into the origins of this identity theft and hold the perpetrators accountable. -Provide me with regular updates and transparency regarding the progress of resolving this issue. Furthermore, I demand that your bureau take proactive measures to enhance security protocols and prevent similar incidents of identity theft from occurring in the future. Identity theft is a serious crime that can have devastating consequences for its victims, and it is your responsibility as a credit bureau to safeguard the interests of consumers.
Product: Mortgage

Initially I had agreed to a loan amount for XXXX. This included the initial escrow of 8 mo for XXXX and the 3 mo cushion for XXXX, A pre paid of XXXX in prepaid property taxes. My loan officer said I would not have to pay a mortgage in 2 months and that I would get the 6K back from the old lender. I did not want to include in the loan but he said I had to. 

I called XXXX XXXX to find out where my escrow was and they said they had paid the escrow and was still waiting on the final check from Freedom. XXXX XXXX is a wonderful company I wish I could go back to. All my fellow veterans steer clear of Freedom Mortgage. Freedom would not return their calls or mine. This was during XXXX. XXXX XXXX was about to wire them their check back. We both were not getting our calls returned. They finally paid them to satisfy the loan. 

I found out from my previous mortgage company that they had already paid the taxes in the amount of XXXX. My loan amount should of been l XXXX. So after spending the month of XXXX trying to find out where the XXXX was with numerous phone calls I still do not have a resolution. They have now revised the closing disclosure saying that XXXX is being put in an escrow analysis and they will let me know next week what they decide. I didn't even see the first closing disclosure until the day of closing. 

What needs to be done. 

You have collected the escrow of 8 months and the cushion. The closing disclosure should be revised to reflect the correct loan amount. It should be XXXX. The money should not be put in escrow. I am writing this letter to complain because I know this company has taken advantage of me.
Product: Debt collection

I obtained a loan from the Small Business Administration ( SBA ) on XX/XX/XXXX for the quantity of {$25000.00}. The monthly payment amount was {$93.00}. 

Covid hit and I was unable to make payments on the loan due to economic difficulties. On XXXX XXXX, I reinstated my loan payments. 

Nonetheless, the US Department of the Treasury, Bureau of the Fiscal Service referred my small business administration account to the collect company called Conserve for collections. 

Two weeks ago I contacted Conserve and informed them that I was going to make the payments, but I needed a payment plan. 

I must mention that since XX/XX/XXXX the US Department of the Treasury, Bureau of the Fiscal Service is debiting from my Social Security the amount of {$100.00}. 

Nonetheless, Conserve is continuing harassing me and telling me that they are going to be suing me for the amount owed, and they also increase the amount of the loan ( $ XXXX increase ). 

I need CFPB assistance in order to resolve this situation.
Product: Credit reporting or other personal consumer reports

Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at TransUnion who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.
Product: Credit card

Consumer Financial Protection Bureau ( CFPB ) Complaint Your Information : XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Unauthorized Charges on Nordstrom Credit Card Dear CFPB Representative, I am writing to file a complaint regarding unauthorized charges that have appeared on my Nordstrom credit card account between XXXX - XXXX of XXXX. The total amount of these charges exceeds {$2000.00}, and neither I, XXXX XXXX, nor my authorized user, XXXX XXXX, authorized these transactions. 

The charges in question were made online at XXXX, and we did not receive any benefits or products from these transactions. Additionally, the packages associated with these charges were delivered to an address that is not my current residence. I have not signed for, ordered, or authorized any purchases from XXXX. 

I have previously disputed these charges with XXXX, but my dispute has not been resolved satisfactorily. Therefore, I am requesting that XXXX reopen my billing dispute regarding these fraudulent charges and issue the appropriate credit as per my credit card agreement. Alternatively, I would appreciate if they could offer arbitration to resolve this matter. 

It is concerning that unauthorized transactions have been processed on my account without my consent, and I am seeking your assistance in ensuring that this issue is addressed promptly. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion is improperly and fraudulently verifying information with for an account that does not belong to me. It was opened in 2009 with XXXX XXXX and I have never even involved with the company. I contacted them and sent them my police report and identity theft report filed with the FTC. And they have closed that account and I can not understand why Transunion is still reporting it. I have included a copy of the letter. I will file another complaint with the FTC with Transunion and seek other legal measures if this is not removed from my account.
Product: Mortgage

My complaint is with Ocwen servicing company for seven years I have been trying to XXXX a re modification of my loan they have been deNY ing me a refinance using all kinds tactics I have been through.all the avenues that pertain to. This problem I even went to lawyers whom seemed to work for them I need some immediate assistance now as they have forclosed on my house without any warning the has been in my family for over sixty years .my husband left me after XXXX years of marriage and I am XXXX years I have no transportation to leave and no place to go .my XXXX son who lives with me is XXXX ( XXXX ) and attends a XXXX we do n't have no place to go and both live on social security.I 'm am supposed to be evicted today please help my .I can be reached @ XXXX or XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 
Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Mortgage

I submitted financials and request for mortgage assistance with my Chase my mortgage company. Chase was processing my request for mortgage assistance when my home was sold at a property auction. I read when the Loss Mitigation dept. is processing a request for mortgage assistance the foreclosure sale is to be put on hold until the homeowner receives a denial from the mortgage company. Also the homeowner is given 30 days and a opportunity to appeal denial for mortgage assistance. I do not want to lose my home. I am requesting this wrongful foreclosure be undone, I feel I was discriminated against because of being elderly and a XXXX man. Chase has been unwilling to assist me with saving my home they are rude and not caring. 
I need Help, Help
Product: Money transfer, virtual currency, or money service

I have been trying to close my PayPal account since XX/XX/2022. They informed me through email after I closed my PayPal credit account within 7 to 10 days they could close my PayPal account. They have refused to close my account. I have a confirmation email and # XXXX that my PayPal credit account was closed as of XX/XX/2022 yet they refuse to close my regular PayPal account. I have spent over 6 hours on the phone with them arguing back and forth. I just want my account closed. I have followed their instructions and now it's time they do their part and close my account.
Product: Student loan

Being charged interest during administrative forbearance while waiting for SAVE litigation to end
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts off my credit profile from XXXX, Trans union, XXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXXXXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies ( XXXX, Experian, XXXX ) have not properly investigated my disputes. In most cases, they have either not investigated my disputes at all, or, simply relied on what the creditors have told them with no documents to support verifying the disputed accounts. XXXX and Experian have also prevented me from submitting online factual disputes. 

I repeatedly requested details from my investigations, but I was not provided with the information. I have not received information regarding their methods for investigating my disputes, who they contacted, or any information that supports their opinion that these accounts are reporting accurately. The bureaus are verifying my inaccurately reporting accounts as accurate without conducting proper and legal investigations. 

These are violations of my rights. 

I submitted disputes for the following accounts, for various inaccuracies, but the Credit Reporting Agencies XXXX Experian, XXXX, XXXX ) have illegally returned these disputed inaccurate accounts as verified. They are violating my rights and I want them to stop. 

XXXX # XXXX - Credit reporting agencies ( XXXX, Experian, XXXX ) XXXX updating this account even though it is closed. On at least one of my reports, ( Experian ) the CRA is reporting XXXX chargeoffs after 2018 the year the account was closed!!! There should be no activity reporting after an account has been closed. This is a serious violation of my rights and needs to be addressed. 

Experian states, " our role is to review accuracy and completeness of any disputed item '', but they have not done this for me. They are not performing their legal role. 

XXXX XXXX # XXXX XXXX Account. Credit reporting agencies, report this account without credit limit and highest balance. Illegally verifies account, stating it is accurate. 

XXXX XXXXXXXX # XXXX I disputed for inaccurate payment history. CRAs verified account with no explanation. They did not provide proof such as furnishers bank statement or my payment history from furnisher. 

XXXX  # XXXX Disputed for inaccurate payment history. Account disputed was returned as verified with no proof or explanation. The CRAs only relied on the opinion of the furnisher with nothing to support it. 

XXXX XXXX XXXX The CRAs are reporting activity on this closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

" XXXX Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose. "
Product: Money transfer, virtual currency, or money service

Trying to get money transferred from XXXX XXXX and it 's says my bank want send updated information
Product: Debt collection

So I lived in XXXX  and move to XXXX XXXX  on a XXXX XXXX on XX/XX/2021. Both my wife and me. Around XXXX of 2021 my wife got a super intimidating new phone call a company called Fair Collections and Outsourcing located on XXXX XXXX XXXX XXXX XXXX, MD, XXXX. 

We told the gentleman that this wasnt our debt. He had offered nothing to verify the debt. And when we called the apartment complex no one there could verify the debt either. We explain to the credit bureaus that this was fraud and that they should remove the debt from our reports. When need your assistance to resolve and remove this from our credit reports.
Product: Debt collection

I received a notice from a credit monitoring agency that Allied Collection Services had posted a debt on XX/XX/XXXX. I did not receive any notifications. Finally, in XX/XX/XXXX, I called Allied Collection Services to find out why they had neglected to send me any information. They told me that they had sent it out in XXXX ( false ). I told them to send it again. They told me it would take 2-3 weeks to get a package together to send to me. I asked why they needed 2-3 weeks when they've had the debt for over three months. They denied they had the debt in XXXX ; this time they said they just got the debt in XXXX ( false, and 2 1/2 months is still plenty of time to send a letter ). They told me they would send it out to me. It has been over a month and a half since I called, and they have not sent anything.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint regarding serious issues I have encountered with XXXX and its affiliated financial institutions. My experience has raised significant concerns regarding the platforms handling of fraud and customer protection, and I believe this warrants further investigation. 

Despite notifying my bank and XXXX about fraudulent transactions and claims on my account, neither entity conducted a thorough investigation into my complaints. This failure to properly address my concerns has led to my account being left in the negative, and in some instances, the account has been rendered unusable. I have faced ongoing issues with XXXX transactions that have resulted in financial hardship, including unpaid bills, accounts at risk of further fraud, and a general lack of support in resolving these problems. 

Additionally, the lack of adequate fraud protection within XXXX system has exposed my account to scams, leaving me vulnerable to financial loss. XXXX failure to fully investigate these issues and provide effective solutions has caused undue stress and hardship, with no accommodations or efforts to correct the situation. 

It is clear to me that XXXX, along with the participating financial institutions, has not met the reasonable expectations for customer service, fraud prevention, and protection. These issues have persisted for an unacceptable length of time, and I am seeking the CFPB 's assistance in addressing these concerns. 

In light of these circumstances, I would also like to express my desire to take legal action against XXXX and the financial institutions involved for their negligence and failure to protect me as a consumer. 

I would appreciate your guidance on how to proceed, as well as any further steps I can take to ensure this matter is fully investigated and resolved.
Product: Credit card

I purchased an XXXX XXXX XXXX from XXXX for {$26.00}, but never received the merchandise. I reached out to the company, and they have no record of the transaction. My bank filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX  The charge appears on my credit card statement. The Bank Reference number is XXXX, and the Claim Number is XXXX The transaction seems to have been hijacked. If you need more information I can supply it if necessary. Also, my credit score from XXXX was lowered by more than XXXX XXXX because of it. I would like a refund and my XXXX and any other credit scores fixed.
Product: Credit card

Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). 

BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. 

As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.