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

My personal information was stolen in 2023, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXXXX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit 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 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 NEVER gave you, XXXX XXXX, XXXX, XXXX, or TransUnion, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report, and I have noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and Experian. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 
Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).
Product: Mortgage

I mailed my payment in XX/XX/2020 to the address XXXX XXXX XXXX XXXX PA XXXX. So far my payment has not been applied. I messaged the firm in the online portal. At their request, I emailed the money order copy with the money order ID number to the email address XXXX. I have not heard from them so far. I messaged multiple times and called. Last week, I called. The agent XXXX ( or XXXX ) emphasized that there was nothing she could do to find the payment and implied I could make another payment to avoid the late fee. I am enraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an XXXX account with TransUnion and while doing so I also reached out to the creditor which is XXXX XXXX XXXX XXXX XXXX ). XXXX sent documentation to me and TransUnion saying they they ( XXXX ) deleted the amount and wanted the collection removed from my credit report. I have the universal data form that XXXX sent to me and TransUnion and also the letter that XXXX XXXX XXXX XXXX XXXX XXXX sent to CFPB as a response as well. These documents will be in an attachment below. The documents was sent over to TransUnion XXXX but they are still reporting this account as a collection when indeed it should be removed IMMEDIATELY.
Product: Mortgage

On XX/XX/XXXX i purchased my house for {$820000.00} ( firs time home owner ) and later on i found out that is only worth less than {$400000.00} I want some one to investgate this as is very unfair that i have a loan for over {$800000.00} .. I have attached XXXX XXXX document stating the value of the house, XXXX from the year XX/XX/XXXX and XXXX from XX/XX/XXXX. Please open an investigation ASAP
Product: Payday loan, title loan, or personal loan

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, OneMain, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). 

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
Product: Checking or savings account

I tried using a Huntington targeted promotion today ( XX/XX/year> ). The promotion stated you can open a new Huntington checking account, deposit at least {$1000.00} into the account within 90 days, and Huntington would pay you {$400.00}. I called XXXX days ago and spoke to someone and confirmed that there was no " catch. '' You did not need to set up direct deposit, and everything would be honored as long as we have a promotional code and the money is new money to Huntington. I asked if my wife and I can each open an account and get the promotion. He said that would be fine, as long as we each have a promotion code. 

I brought my promotion card in this morning. I had my ID and a copy of my mortgage. They said no- I have to have my social security card. I drove back home and returned with my social security card ( as well as my passport, birth certificate, mortgage, XXXX card, fingerprint card, and high school yearbook - just in case ). Then, they said I would need to make an appointment. I asked to confirm that they would honor the promotion before I drove home and back again for a XXXX time. They then said they would not honor the promotion because the promotion pamphlet they mailed me had someone else 's name on it ( but my address ). I left without opening the account. 

My promotion pamphlet had my address, but someone else 's name. I know who we bought my house from, and they had lived there for XXXX years. I have lived there for XXXX  years. I have no idea who this other person is, but they haven't lived at this address for at least XXXX years. I talked to a couple of other people who received promotion cards, and they both received cards with other people 's names on them. It looks like a bait-and-switch situation where they have no intent at honoring this promotion.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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  Original Creditor : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Since the first week of XX/XX/year>, I have requesting in excess of 3 times via mail and at least once via phone of each credit reporting agency to correct my name and address. I have sent in via the U.S. Postal Service proof of my identification including my driver 's license, my social security card and the first page of a recent bank statement in an effort to correct the problem. I have even spoken at least via phone with each credit reporting agency regarding this issue, requesting that my name be corrected to XXXX XXXX XXXX XXXX XXXX my address be corrected to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that my phone number to corrected to XXXX and that all information that does not match the aforementioned be deleted. Sadly, my efforts have been mainly fruitless.
Product: Mortgage

My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. 

My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home.
Product: Checking or savings account

My bank USAA put my account into Inactive Status, which then accrues no interest for 3 years, and did not notify me they were doing so. I routinely checked the account to make sure there was money there, and it was linked to my checking via overdraft protection, but nothing indicated it was actually " inactive ''. The account status was not indicated on their website when I checked the account, I received no email nor paper mail about it, nor any other communication about the change in status. I only found out when I tried to move money out of the account and had no way to access the account as it had been disconnected from all ability to move money in the account.
Product: Credit card or prepaid card

Hello I got this card with the promise that they will give me XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX they never gave me the XXXX and keep throwing me back and fourth finaly they said it's on XXXX XXXX but it's not i tried very hard to get them to honor their promise XXXX tells me to call American Express and American express tells me to call XXXX
Product: Mortgage

My mortgage company ( planet home lending ) has contacted me numerous time telling me that I owe an extra mortgage payment to them. I have submitted to them all of my bank statements proving that I have paid all of my mortgage payments on time. 

After months of them contacting me telling me I'm late and investigating where my payment was, they told me that they took the money I paid them and " accidentally '' applied it to the principal balance without my permission. But they are still telling me that I am responsible for their error and I must pay them or my house will be put in foreclosure. 

I am a XXXX vet, I dont know what to do. Please help. This is stressing me and is torchering my mental health.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX XXXX a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$40000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act this creditor, has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I applied for credit with American Express in good faith with the intention of getting a credit card. But American Express took my social security card ( the true credit card ) used it and I received no benefit. By me not receiving no benefit American Express committed fraudulent activity ( unauthorized use of a credit card.
Product: Mortgage

I am refinancing my home mortgage and experienced unfair business practices with my current mortgage servicing company - Arvest Central Mortgage Company ( " Arvest '' ) based in XXXX XXXX, Arkansas. 

Arvest received a wire payment ( ~ $ XXXX XXXX from the title company connected with the refinancing of my mortgage on XX/XX/2020 that covered the entire principal and accrued interest based on the amount Arvest provided in the payoff letter ; however, Arvest held the money and did not apply the payment to the loan. 

Arvest claims they have an internal policy to not apply loan payments if the escrow balance is negative. The escrow balance went negative in early XXXX but this was never communicated to the borrower. They do have the right to add to the debt balance with written notice but that was never provided. 

Instead of applying the payment received, Arvest continued to charge interest on the ~ $ XXXX outstanding principal for 5 additional days ( ~ {$140.00} ) until I would pay a new payoff amount ( {$200.00} additionally ) to cover the escrow shortage. 

XXXX XXXX as XXXX XXXX Specialist ( # XXXX ) and supervisor XXXX XXXX ( # XXXX ) as the Mortgage Servicing Supervisor both agreed this was unfair but were unable to credit the additional interest as they stated it was the internal policy of Arvest to not apply payments when a payoff was short due to an escrow shortfall. 

I find the lack of applying the payment when received to be an unfair business practice as they not only continued to charge interest to my account but also were able to earn interest on those funds that were held. 

We are being put in a negative position as the new loan will charge us interest at the time the funds were disbursed and result in being charged double interest for the 5 days Arvest refused to apply the wire payment to my loan. 

In order to get the existing loan released by Arvest, I paid the amount ( {$200.00} ) on XX/XX/2020 they demanded in order to release the loan and begin my new mortgage.
Product: Credit card or prepaid card

On or about XX/XX/2018, I made an application online with Chase Bank for card member services business credit card. After time, i called and Chase said that they could not receive my documents or that way I'm sending documents ( faxed ), it looked like it could not be verified by myself. So, I went to the downtown XXXX XXXX Connecticut branch office on XX/XX/2018, then, they sent over documents on my behalf to cardmember services department. I have been getting run around saying that it's denied but, they only said they the way their receiving documents and someone else using my name, which I didn't know about.
Product: Money transfer, virtual currency, or money service

im here about the cash app settlement ive been a customer of cash app or block inc for years i just want what XXXX owed
Product: Debt collection

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving The CBE Group , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group , Inc . If The CBE Group, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The CBE Group , Inc continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

On XX/XX/2016 a locksmith service provided services to replace a broken automobile key. I was handed a BLANK INVOICE with {$280.00} written at the bottom. I was asked to write my contact information at the top. The price was significantly higher than I expected but agreed to the {$280.00}. My credit card was processed and the work was completed. When I received my credit card bill the amount charged was {$780.00}. 

When questioning the charge I was sent a copy of the invoice with multiple line items written in AFTER THE FACT which totaled up to {$780.00}, although the total at the bottom still ready {$280.00}. 

On personal investigation of the locksmith company I have found this is an illegal scam operation with an endless list of consumer complaints of fraudulent charges and over charges. XXXX XXXX acts as a biller, broker, and licensed FRONT for UNLICENSED independent locksmiths. They have had their locksmith license revoked several times. The just move to a new address and open a new company and resume their fraudulent operations. 

Disputing the charge with Bank of America, B of A has repeatedly ignored the facts I have presented, including a complaint I filed with the California Department of Consumer Affairs , Bureau of Security & Investigative Services who found irregularities warranting a higher level of investigation for XXXX XXXX. You may contact them at ( XXXX ) XXXX and reference complaint # XXXX. B of A 's response as simply been that I was billed correctly because the line items added up to the total I was charged. 

B of A has failed their duty to protect consumers from fraudulent merchants. As a result I refused to pay the entire charge of {$780.00}.