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

I, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony closed my account due to they misunderstood my message. Now I can't get anyone to explain why I didn't receive any advance notification. I've request a explanation, they refuse to reply.
Product: Mortgage

I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.
Product: Student loan

I have paid off my student loan ( account #   XXXX   ). On  XX/XX/XXXX , Discover Student Loans issued me a letter saying that they owed me money under a Consent Order with the Consumer Financial Protection Bureau and had issued me a check in   XXXX   that I had not cashed. I never received that check. The  XX/XX/XXXX  letter gave me until XX/XX/XXXX  to reply to have the check reissued. I was out of the country for work between  XX/XX/XXXX  and  XX/XX/XXXX , giving me no time to actually respond to the letter. When I called Discover today,  XXXX , the agent, was incredibly nice and explained that because the date had passed I would have to contact CFPB directly online as stated in the letter. There is no instruction on the letter about where to go on that webpage or what to do when I got here. I would like them to arrange for me to get the money owed under the Consent Order.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX  XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts/inquiries in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts/inquiries are unknown to me. Also, the information you provided on some accounts/inquiries are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts/inquiries are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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. ; INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am listing 2 accounts fraudulent from my Experian, Transunion and Equifax Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX. Listed accounts do not belong to me and must be removed from all of my 3 bureaus. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Transunion and Equifax to mark these accounts as fraudulent and remove from my Credit Report.
Product: Checking or savings account

This complaint is about my brother 's account. In XX/XX/XXXX, he was in the hospital with a XXXX for XXXX weeks when I discovered fraud on his account - someone had created fake checks & they were being paid by the bank. In XXXX, I went into the bank to report this & they finally agreed to freeze the account so no more checks would clear. Six checks had cleared totalling > {$6000.00}. A police report was filed. I provided them with a Durable Power of Attorney giving me authority on his behalf. After several trips to the bank finally in XX/XX/XXXX they took the information to submit to their main office. The fraudulent checks were numbered the same as valid checks that had cleared a couple of months before so the fraud was evident but the bank claimed that they didn't catch that because it was at the time of transition from BBVA to PNC. My brother passed away in XX/XX/XXXX, so today, XX/XX/XXXX, I went to the bank as executor of his estate to start the process of closing his account & to ask why the funds had not been redeposited to his account. Again another run around about why since the issue was filed XXXX days ago it had not been resolved. They want to start the process all over again. This is totally unacceptable.
Product: Debt collection

I received a letter from XXXX XXXX XXXX For a creditor by the name of XXXX XXXX XXXX XXXX.XXXX XXXX. Creditors account number : XXXX. With a principal balance of XXXX with an interest balance of XXXX XXXX with a balance due of XXXX. This debt does not belong to me. I'm unaware as to whether or not my deceased ex-husband, XXXX XXXX XXXX, signed my name on any forms requesting this loan. However, in the event this loan were to be his or was to have been signed by him that should have been before our bankruptcy was filed in XXXX. In the event that this debt is owed by XXXX XXXX XXXX it should have been resolved with the bankruptcy. There were many loans XXXX XXXX XXXX took out in my name without my knowledge, which he was required to pay in the divorce settlement in XXXX. I have never received funds for this loan nor did I request this loan nor do I have knowledge of this loan.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems has and is still reporting me as an adverse account. I spoke with XXXX XXXX, of Chexsystems who was no help. Chexsystems is reporting an Account that has been paid in full as adverse action, which causes me Financial Deformation because I am unable to open up a basic checking account. My Chexsystems report consumber ID is XXXX.
Product: Debt collection

Midland Credit Management informed me that I have debt from XXXX XXXX XXXX that has been transferred to them, then I made requests that they sent me debt validation documents to establish their claim which they declined give me couple of time and were just routing my calls to different department. ( The sign agreement is the basis of every transaction which I'm entitled to see ). 

Then in XX/XX/XXXX, I received a summon from conciliation court to appear because MCM represented by XXXX XXXX has sued me on the alleged debt. The hearing was scheduled for XX/XX/XXXX. Again I immediately made effort twice to write both parties to send me signed agreement on the card to valid their claim but all they sent was bill of sale, and statement. Also, I called both entities but was been pushed around and told that they don't have the document I requested. 

During the cause of my call to Midland Credit XXXX, I discovered someone in XXXX has access to my Personal Identification Data ( Name, Address, DOB, SSN ), through their organization mismanagement of data of which I confronted the individual. That individual quickly hung up the phone when I told her i will file a complain about the breach. I wrote 2 letters to MCM to explain why my data is in XXXX through them and to establish the debt again but they ignored my concern. 
I have received a lot of phishing, scamming attack and scammer calls since from the period that MCM notified of the alleged debt. 

At the hearing, I mentioned to the judge all the efforts I made to MCM to validate their claim to furnish me with the agreement on the alleged debt and the breach of my PII but the judge quickly shut me down and gave the plaintiff the opportunity to bring in statement, bill of sale denying me the chance to defend myself as specified by the law, I'm planning on vacating the judgement because the hearing was bias. 

I have attached the letters of validation I sent to MCM and XXXX XXXX I will like FTC to assist me in this matter because I'm financially handicap, I lost my job for over a year during the pandemic, I'm currently going to school, got sick thrice and just getting back on my feet after I escaped from my abusive spouse. 

thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT. I WOULD LIKE FOR THEM REMOVED FROM MY REPORT
Product: Credit reporting or other personal consumer reports

Im writing this letter because i found several errors i you are reporting which are hurting my good name. This account with different date under last active. If this is the same account being reported by the same collector why is this information different. Any further collection activities or continuation of reporting this unsubstainedted claim on my credit reports will regard as a violation of the FAIR DEBT COLLECTION PRACTICES ACT and the FAIR CREDIT REPORTING ACT. Further more, i wish to remind you that non compliance with the aforementioned request may result in my pursuit of legal action and sealing damages against all parties involved, in accordance with all a viable state and federal statues, as well as UCC9 remedies. IT HAS BEEN OVER SEVEN YEARS AND THIS ACOUNT SHOULD BE REMOVED FROM MY CREDIT REPORT. I SHOULD NOT BACCOE IGNORED AGAIN OR RECEIVE GERNTIC MESSAGES. 

ACCOUNT : XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score when I saw an inquiry from XXXX XXXX XXXX. I have not applied for new credit cards or cosigned for anyone. This was an unknown inquiry I would like to report
Product: Credit reporting or other personal consumer reports

Erroneous activity has been reported multiple times. It is imperative that any unauthorized items are removed within four business days. This process includes verifying my identity, submitting an identity theft report, identifying the relevant information, and confirming that the activity is unrelated to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On both XX/XX/XXXX and XX/XX/2020 XXXX at XXXX  of Ohio requested a payoff from TCF Bank. Our closing date was on XX/XX/XXXX. There was NO response to her requests. I tried several times as well and there was no answers on any of the numbers leaving me on hold as long as 8 hours until I finally hung up the phone. Not just once but several times different days. 
I sent emails to all of the bank committee members including the president with no response. 
Finally I called the collections dept and did reach XXXX XXXX who tried several times over several days to try to get someone to respond regarding the pay off with NOTHING as well. 
I drove to the local branch and was told there was nothing they could do. 
On Thursday XX/XX/XXXX driving back home from XXXX  from signing our paperwork a XXXX or XXXX called me and in a nasty tone said " Can i help you with something? '' acting as though I did something wrong and she was aggravated she had to pick up a phone and talk to me. DISPICABLE CUSTOMER SERVICE! 
I explained the situation and also explained how XXXX was the only one who I was able to reach on the phone, how he tried to help even though it wasn't his dept. and she chuckled ... .SERIOUSLY? She then said she could see my file and that the payoff would be sent in 1-2 days as it needed another set of eyes, they were short staffed, having to hire people, can't keep up, blah blah, blah. Still no payoff and Barristers finally got through to someone after 3 hour hold time on Friday, XX/XX/XXXX, who told them it would be another 5-7 days  before someone could get to it. I am wracking up interest on this loan that could have been paid off last week. i have sent out more emails this morning and again the only one responding is this XXXX XXXX who said he has done all he can do as no one is responding to him either and that he would try resending his emails he sent last week. XXXX XXXX in the Collections Dept I was also told by XXXX XXXX has been trying to reach someone in regards to my payoff with no response. 
I went onto TCF XXXX XXXX to see if anyone else is having issues and OH MY GOODNESS there are hundreds of complaints! 
I feel as though my hands are tied. My money is being held up because of TCF and interest is building not only on the home loan but the loans that were to be paid off in XXXX ... which is obviously not happening. I have several emails that I have sent out. XXXX at XXXX  of Ohio also can provide her emails sent. 
This bank is poor at best and honestly a bit scary according to other dissatisfied customers on their site. 
I need a payoff immediately. the n

ew owners paid in cash and TCF is holding everyone up for title transfer, my proceeds, realtor commissions, etc. I would like to file a formal complaint against TCF Ba
nk.
Product: Debt collection

I called Transworld Systems Inc and asked them to stop calling me at work. They asked for my phone number so they could take it off of there list. Well, they stopped calling that particular number. They must have gone on my company 's website and found other numbers and its unclear to me which numbers they are calling now. They asked to verify my employment and gave out the last XXXX digits in my social to my coworker and they told her that it was for a garnishment. It bothers me that the continue to call me at work after I told them they were putting my job in jeopardy by continuing to call. What is even more frustrating is that I have never given the student loan company my work phone number. That means this third party company researched and found my number!
Product: Credit reporting or other personal consumer reports

This company is a gigantic POS they don't resolve any issue and every customer service associate lies. They provide XXXX proof outside of fluff. They continue to report my account 30 days late even though they have received over {$800.00} in payments. This company needs to cease to exist. They received a recent payment of {$140.00} plus and they apply it after the due date to continue to hurt the consumer. CFPB should be ashamed for not turning over this company to the FTC for an internal investigation. Prosper employees people who can't read, can't articulate and that's the reason their products are designed to XXXX on their consumers. I have sent 4 subpoenas and inquiries with XXXX response from this disgusting and vile company.
Product: Credit card or prepaid card

I called MT BANK to discuss options of reducing my credit card debt or monthly payments on a balance that currently requires over {$300.00} of min payment per month, due to the COVID-19 situation in which I was left unemployed. I talked to somebody who just told me to go to a website and get the " help '' from there. I was previously on that website and the only options they have were for mortgages and car loans and the like, and nothing that could be of help in my case, there were hardly any options for credit card owners and the only thing available was if my account was in " bad standing '', to use a form to apply to get it back to good standing. At the present moment, I'have not missed a payment due but I will in the next weeks and my call to the bank was to inquire about the ways to prevent that, by arranging some sort of alternative payment so that I don't lose my " good standing '' status! I am currently under a 0 % promotion, which will automatically turn into default 25 % or something like that if I skip a payment and will automatically incur THOUSANDS OF DOLLARS OF FEES AND PENALTIES, which I am naturally trying to avoid!!! This was clearly explained to the representative, who replied " WE are a business and you can apply for hardship relief only AFTER your account IS PAST DUE '' .... Basically they told me that they WILL CHARGE ME EVERY FEE, INTEREST AND PENALTY THEY CAN, and then start looking into my application to see " if '' they can do anything about that!!!! 
After repeating to the representative that I do not want to end up in that " after the fact " situation, she just told me " have a nice day '' and hung up!!!!!!!!!! 

I can not imagine a more blatant, brutal and arrogant disregard of somebody's hardship situation and sincere attempt to keep " good standing '' status!!!!!!
Product: Credit card or prepaid card

Dear Expert Researchers in these kinds of cases, and how harmful it is for a person who is struggling, struggling, to keep his credit score at XXXX. points .... BUT CAPITAL ONE COMES REALIZANDOMEPROMISES AFTER PROMISES, TO APPLY GARANTIZANDOME A CARD, WHEN I DID IT, GAVE ME 3 GREEN CHECK MARK AS PASS. ( APPROVED ) .. THEN I GET A LETTER THAT I FEEL SO MUCH,  AND THAT LITERATURE CLASSES THAT DISANIME ANYONE AND DOUBT THE REPUTATION WITH ME 3 BUREAU. XXXX, XXXX XXXX INCITING, TO APPLY THAT I HAVE A CODE AND NUMBER THAT GUARANTEE MY APPROVAL. BUT THE TRICK IS THAT THEY DO IT FOR THE PERSON TO APPLY AND REDUCE IT XXXX POINTS, OR MORE EVERY TIME IT APPLIES. I ASK CFPB INVESTIGATORS AND HELP ME TO RECOVER MY POINTS IN MY 3 BUREAU XXXX, XXXX, AND XXXX..TX.
Product: Mortgage

In case it matters, my mortgage is secured by XXXX. In the summer of XXXX, I took advantage of the XXXX XXXX mortgage payment forbearance. At least four times over the past 18 months, during the forebearance, I reached out to Rocket Mortgage to confirm that, since XXXX secures my loan, the " partial deferral '' option would be available at the end of the forbearance, where the total amount of the unpaid principal and interest payments is added to the loan balance, and becomes due either when the loan is paid off, or when the house is sold. I was very specific that I wanted to confirm that the deferral would be an option, not 'might ' be an option, and Rocket was equally specific in confirming this. I recorded all of these conversations. I even reached out to XXXX XXXX to confirm this, and they likewise confirmed that the deferral would be an option rather than 'might ' be an option. However, XXXX days ago I logged onto my Rocket account, and the only option they are offering me is a loan modification that doubles the term of my loan from 20 years to 40 years, and increases the total amount of payments by more than {$300000.00} over the life of the loan. I took another look at the XXXX XXXX website, specifically at XXXX XXXX XXXX, which seems to confirm that Rocket is failing to provide the required " partial deferral '' option. I called Rocket, and they said that they only allow the deferral if the consumer only uses 17 months of forbearance, not when they use the full 18 months of forbearance. I can't find any information online that supports this. I just want to begin paying my mortgage again on XX/XX/XXXX under the partial deferral plan. thanks for your help.