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

My credit card with Bank of America was closed with paid off as of XX/XX/XXXX with a XXXX XXXX Bank of America would not have closed the account otherwise. 
For some reason, a balance of {$89.00} later appeared as of outstanding once card was closed and not in my possession anymore, I was not aware of that anyhow, until sapling for new card in XXXX XXXX i have learned that in XXXX Bank of America XXXX XXXX combined late payments from XXXX XXXX XXXX they always posted XXXX negative derogatory marks on my credit report and despite contacting customer service via email ( XX/XX/XXXX and XX/XX/XXXX ) and phone those were not removed from my account, Revolving account closure on XX/XX/XXXX, and the charge-off status, For undocumented {$89.00} they have impacted significantly my XXXX XXXX and despite contacting them several time to this days the problem is not resolved
Product: Credit card

In XX/XX/XXXX I purchased security equipment from XXXX. They gave me an option to finance the new equipment through a company called XXXX XXXX  XXXX. 
In XX/XX/XXXX I started seeing emails about a credit card I had no knowledge of, nor did I receive. On XX/XX/XXXX I contacted XXXX and they said they had sent me an email on XX/XX/XXXX that I had 45 days to stop them from converting my account to a credit card account and now there is no way to go back. Because I refuse to activate the card, they will not allow me access to my credit card statements.
Product: Mortgage

Early in XXXX I spoke with Flagstar Bank about they not escrowing our account for the homeowner 's insurance. Flagstar agreed to do it .Paperwork was sent over and I signed it and sent it back via email. 
At this time, I informed them that I was going to pay for the homeowner 's policy myself and advise them not to pay any premium. I made the payment directly to the insurance company and everything was set. 
Today I find out that Flagstar took it upon themselves to pay the insurance company {$3700.00} usd.They didn't follow with my request!! Now I am out of {$3700.00} usd and Flagstar wants me to wait around until they resolve the issue. Well, I do not want to wait, and I want the money back into the escrow account.

This is bank fraud! The escrow isn't theirs to disperse as they see fit to do so.

My problem is that Flagstar stole this money by paying for a policy that's already been paid. Not only that they even paid the insurance 4 days late. Its a good thing that I paid it otherwise my policy would have been lapse!! 
I spoke to them today XX/XX/year> and they do not care to rectify their mistake.All I received were excuses why they made the error and wants ME to wait around until they internally investigate the mistake. 
I am sorry this is not acceptable. I did everything they asked to me do and they failed to do what they were supposed to. 
They have committed bank fraud, and they do not care. I want my money back!! I shouldn't have to wait until they finished their process.I spend an hour plus on the phone with them today and all they did was come out with excuses and not solutions. 

Please help I need the money back!! 
Thanks XXXX
Product: Mortgage

A previous complaint was lodged against Specialized Loan Servicing, and now another problem has come up. 

About 2 weeks ago I received a letter from the servicing company stating they were increasing my escrow payments by more that {$200.00} a month, and their own figures on the document did not show a need to increase the escrow payments Since I am required by my home insurer to pay the annual insurance in XXXX myself and that they will not accept the servicing company 's payment.

I phoned and spoke to a customer service person with the servicing company and they said I could not speak to the escrow department and they would send them a message that I have to pay the home insurance myself in XXXX, and to figure that into new monthly escrow payments ; last week I received a letter from them stating I could not eliminate my escrow account, which I did not ask to do! 

I called and spoke to another customer service person and was told that is their final answer, and that even if the home insurer requires me to personally pay the annual policy, that they would require me to make the increased payments into my escrow account, adding more than and excess of {$2400.00} in my escrow balance that they would just leave in my account and not refund to me for the foreseeable future, which is against the law. 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$7400.00}, XXXX XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

responded STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX XXXX XXXX, XXXX  ( XXXX XXXX investigated your complaint. We closed the XXXX account ending in XXXX, ceased all calls and other collection communications regarding the account and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your dispute, we closed the XXXX account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 

Equifax is still reporting this account which actually was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
Product: Credit card

I filed for a XXXX XXXX bankruptcy on XX/XX/year>. I made a payment to Synchrony Bank on XX/XX/year>, while in bankruptcy. I filed the bankruptcy to protect my home from foreclosure. I always paid the account and was never late. I dismissed the bankruptcy on XX/XX/year>. I called Synchrony in order to make sure it would receive my payment through bill pay. Synchrony told me they sold my account to a debt collector. I asked why was my account sold to a debt collector when I was never late? The customer service agent said he no longer had the account and did not know its history. Synchrony sold my account in order to damage my credit history. They received my XX/XX/year> payment while I was in bankruptcy. Attached is my bill pay history which shows the payments made on or before the XXXX of the month, as was required.
Product: Debt collection

Upon checking my credit report in XX/XX/XXXX I had seen 13+ fraudulent accounts and while it was a very stressful time in my life most creditors let me know that they would do a timely investigation and would walk me through each step, almost XX/XX/XXXX now and the only creditor who refuses to do a accurate Investigation is Chase. The accounts held with chase have absolutely NO MERIT. They revealed that they confirmed it was me with a code that sent to a fraudulent phone number that was not mine! But Chase said they confirmed it was mine?. I am very curious to know how they confirmed this?. This is by far the worst creditor for theifts to open accounts with because the bank never admits fault and makes bogus claims of their investigations. Under federal law with the proper paperwork JP Morgan Chase must erase this account I have supplied, Police reports, Federal trade commission reports and more! I have finally taken the steps to contact the attorney generals office and submit paperwork with them. Chase is saying theyre holding me personally responsible for their negligence, I will NEVER give a dime to these accounts, THEY ARE FRAUD. My police report ( # XXXX ) with the XXXX even states their investigation and it was not me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute serious inaccuracies regarding my accounts with the following companies that are reported on my XXXX, Equifax, and XXXX reports : XXXX with XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX ; XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX 
This matter is not just an inconvenience ; it is an outright misrepresentation that demands immediate attention. 
Despite my previous communications on XX/XX/year> and XX/XX/year>, there has been no resolution to the discrepancies I highlighted. The lack of response from all 3 credit bureaus and actions on their part is unacceptable, and I expect a prompt and thorough investigation. 
Details of the Dispute : Nature of the Dispute : According to the FCRA laws sections 605b ( a ) and 15 USC 1681 a consumer reporting agency shall block the reporting of 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 by such agency of. I have the right to privacy please send proof of my written consent that I authorized you to report or obtain my information or remove my account. 
Supporting Documentation : I have enclosed my FTC Report with Ref number XXXX ; ID ; and bank statement as proof of my identity.

I expect this matter to be resolved within 5 business days from the date of this letter. If I do not receive a satisfactory response, I will escalate this issue further, which may include filing complaints with consumer protection agencies and considering legal action.

Your prompt attention to this matter is not just expected ; it is required. I look forward to your immediate response.
Product: Credit reporting

I have disputed with Trans-Union multiple times concerning the XXXX XXXX acctspay history they are reporting on my report. My student loans as being on time in XXXX 2011 to then 90 days late in XXXX 2011. I do n't understand how TRANS-UNION can be verified. How can the information be verified as 100 percent accurate if the pay history is not completely accurate?
Product: Payday loan, title loan, personal loan, or advance loan

Sent letter to XXXX and XXXX XXXX also, no response by either, I was told to sign for solar panels and never pay electric bill again, this was not true. I have to pay electric bill and also be a solar farmer so they can make porfits on me and I have to pay over XXXX to be a solar farmer and I am on XXXX with only XXXX a yr income. I was not qualifed to recieve a laon of this magnitude. XXXX refuses to respond to me and my wife is helping me to try and get this dispute account resolved, We have been told that it is in legal dept hands, but there has been no response. I am not phyiscally able to care for this big solar panel equipment that they planted in the ground on my property. I have requested for them to come get the equipment that belongs to them and sell it as it is their collateral. The contract says I have to right to have it removed by them as I am not qualifed to be in business as a solar farmer and know nothing about electricity solar. XXXX  also made me sign a contract with XXXX so they could make money off of my solar panels but there attorney also told me it is not there problem and i must go to XXXX and have it removed. I want the solar panels removed since XX/XX/year> but no one responses to my letters. Please help me reoslve this issue. I can not afford any of the payments and they are not reporting that true and correct balance and said i never made payments. I paid for 12 months on it, but I want it gone. They lied and made me a solar farmer for XXXX, XXXX XXXX and XXXXXXXX XXXX XXXX. I was told lots of incorrect info by the door to door sales man who had me sign his I PAD and told I was going to be paid for producing power to the power grid. All Lies.
Product: Credit reporting or other personal consumer reports

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.
Product: Credit reporting or other personal consumer reports

my idenity was stolen. fraud was committed in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute accounts that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Product: Credit reporting or other personal consumer reports

In the preceding two months, l 've made repeated requests to TransUnion for a thorough investigation into two particular accounts, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of Meeting FDCPA requirements. Consequently, l am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel Transunion to meet its obligation by conducting a thorough examination into this matter. Supporting documentation is attached to this complaint to support my claim! I want to personally thank CFPB for holding companies like TransUnion accountable for their actions and their policies to report only accurate information!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft dispute in regards to the information on my credit report. I requested the original application with my wet signature and all other information that proves that I am the owner of these accounts and have not been given any. It has been well over XXXX  days to validate this debt and I have not been given anything.
Product: Credit reporting or other personal consumer reports

There are late payments reported to my consumer report. According to 15 USC 1681b ( a ) 2 Consumer reports do not include ; 15 USC 1681b ( a ) 2 subsection A ( I ) : Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

I have a brother who has the same name as me but different dob and different ssn I keep getting my credit score lowered and my credit being blocked because of this
Product: Mortgage

I am a XXXX XXXX  who was affected by a shut down. Although this has happened my husband and I made plans to catch up with our mortgage payments by paying two payments each month. We called Nations Star Mortgage d/b/a Mr. Cooper who agreed to this over the phone and by sending up follow up mailings to this fact. The payment arrangement also shows up on their website when we log in. However, we have been harassed by collectors calling us as soon as a payment was debited from our account. We also have gotten text messages and automatic dialers as late as XXXX. This is at least our 10th time contacting CFPB concerning Nations Star about similar miscommunications, who coincidently, changed there name recently to Mr. Cooper. The times that I have answered a call from them, I ask them why were they calling me and I was told because we have not received a payment. This is the point where I lose it but I have already seen my bank account debit {$2200.00} payment to months in a row. They tell me they do not see this ... .At a time like this, when our income is at risk, but the company is receiving payment I find this to be harassment. We have contacted an attorney 's firm with this information because this company will only respond to this compliant once and say they did not wrong. They will send me pounds of payment history afterwards just to tell us what we already know, that they have received the payment. There are numerous violations we have suffered at the hands of this collection firm concerning our mortgage. As a federal employee, we have not received a lump-sum payment, but we have received funds to pay our creditors and now that paychecks have resumed, its time to re-pay advance loans that were given. I should not need to keep watching Mr. Cooper every mood when my income comes from the government. As a result, I will contact my government POC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with an
y of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting

Debt collector ( XXXX. ) collecter did n't verify collection no contact no signature
Product: Credit reporting or other personal consumer reports

My account with EXTRA was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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.

EXTRA never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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, credit repair services, or other personal consumer reports

somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX