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

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has XXXX days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX file # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Inaccurate Information on my Credit Report Dear TransUnion Consumer Solutions , I am writing to formally dispute inaccurate information on my credit report that I believe is negatively impacting my financial well-being. I am fully aware of my rights under the Fair Credit Reporting Act and am requesting a thorough investigation into these inaccuracies, as mandated by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX and XXXX for its failure to adequately investigate consumer disputes, citing sham investigations and other unlawful practices. I am receiving the same types of responses from TransUnion Consumer Solutions, your company, regarding my requests to adequately investigate my consumer disputes. 

These practices, as outlined by the CFPB, include : - Conducting insufficient investigations that do not properly address consumer disputes. 
- Reinserting previously disputed and inaccurate information without explaining. 
- Failing to effectively notify consumers about investigation results. 

These allegations reveal systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly. I urge you to review the inaccurate information currently being reported on my credit file.
Product: Mortgage

I AM SELLING MY HOME AND PHH IS THE SERVICING COMPANY. MY ESCROW OFFICER HAS TRIED ON SEVERAL MULTIPLE OCCASIONS FOR PHH TO SEND A PAYOFF. SHE HAS FAXED AND CALLED. NO HELP FROM PHH WHATSOVER. IF I  DON'T OBTAIN THE PAYOFF THEN I CAN NOT CLOSE ESCROW AND WOULD BE BREACH OF CONTRACT. PLEASE SEE ATTACHED PHH STATEMENT AND HELP ME PLEASE. ALSO, FULL DISCLOSURE, PHH HAS PRE FORECLOSURE ON MY PROPERTY AND THAT IS WHY I'M IN ESCROW TRYING TO SELL.
Product: Debt collection

I am getting multiple calls for the past several weeks from two companies ( which I think are the same company using different names ) and they leave recorded voice mails. One says its from Hollis Cobb Associates saying it is trying to collect a debt, or calling about an important business matter. Some of them ask for a specific person ( THIS IS NOT ME ). The other says they have important information regarding my name and social, press a number to speak to an operator, or leave a callback number to XXXX XXXX XXXX. A couple left messages saying they are serving papers and filing in our county. I feel very harrassed by these calls. 

One time I did get a live person on the phone and said my number was not XXXX 's number and to stop calling but they continued. 

Recent calls : XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year>. I think there are more but I got a new cell phone around XX/XX/year> and I don't have voice mail records on my app from my old phone.
Product: Credit reporting or other personal consumer reports

Global Lending Services ( Finance ) conducted a hard inquiry on my credit without my knowledge or consent. I want this information removed immediately.
Product: Credit reporting or other personal consumer reports

My HELOC was to mature XX/XX/scrub> 2024. In XXXX I began talking USAA knowing I would be able to pay the {$110000.00} balloon payment on or before XX/XX/XXXX. USAA pointed my to Long Term Loan Modification program designed for individuals sharing my circumstance. On XX/XX/XXXX the application was submitted for review. Will under review the application stated all term and payments remain unchanged. I never heard anything further. I havent heard any from USAA regarding my application. I was not notified if the application was approved or denied and if denied, why. In XXXX I attempted to make my regular, interest only pay, it was refused. Instead, contrary to the conditions of the loan application USAA demanded {$110000.00}, or payment in full. The thing happen in XXXX. I sold my home at the end of XXXX, closing escrow on XX/XX/year>2024. The loan with USAA paid in full on XX/XX/XXXX. Despite the provisions of the loan application and the fact that I made attempts to make payments in XXXX and XXXX they insist on reporting the account 30-60 days last to each on the credit bureaus making it impossible to qualify for a new mortgage.
Product: Mortgage

Newrez mortgage is not applying payments and reaping the interest benefits. I make bi-monthly payments totaling my full monthly payment via my bank every month. They do not apply the first payment because they do not accept partial payments. They are applying these payments to principal and then harassing me that I haven't made my monthly payment. Since my loan transferred to them they had not been applying any of my payments correctly, and even after talking with rep, I was advised that even they fix the past patment i would have to keep doing this each month. Why is company allowed to mismanage payment. I have even gone through thier online portal to for the issue and all i recieve is a message that they are researching my issue & will get back to me. I never have any other message than this. Every week the message from Newrez is that someone will reach out soon. Now I keep getting calls from them that i am late with my payment. I am not late, they are misapplying payment. It is a deceptive and unfair practice and they need to be held accountable.
Product: Credit reporting or other personal consumer reports

inform you of potential identity theft that I have encountered upon returning from my overseas trip. When I attempted to log into my Credit Karma account, I discovered multiple credit accounts opened in my name that I did not authorize, as well as the closure of one auto loan account without my consent.

I believe I have taken the necessary steps to notify the appropriate authorities regarding this issue, including filing a report with the local police and other relevant organizations. I am reaching out to the FTC to provide documentation and seek guidance on further actions I should take to protect myself and rectify this situation. 

I appreciate your attention to this matter and look forward to any assistance you can provide in resolving these unauthorized activities.
Product: Credit card or prepaid card

Synchrony bank, the issuer of the Amazon Store Card does not make statements clear to determine the minimum payment needed to avoid interest. I called after the XXXX statement was released to ask for the amount as the statement itself does not make it clear. The service representative responded with an amount of which I paid. Checking the latest statement, I was still charged interest on a balance which I am unable to calculate with the information provided in the statement. This is the 3rd time this has occurred where I have paid off any non-promotional balances and still have been charged interest. Both times in the past I have called the customer service center and they reluctantly refunded the interest charge after a long and rude conversation from the rep with no actual explanation of how they arrived at the supposed balance to which interest was applied. It is my belief that Synchrony bank is conducting business in a manner which incorrectly charges interest to customers in the hopes that we will not want to deal with the hassle of dealing with customer service and just pay the interest. I pay any non-promotional balances every month for this card without fail and I am still being charged interest. Please advise.
Product: Credit reporting

In XXXX, I paid Experian {$4.00} for a XXXX score. There was NOTHING that indicated that I was signing on for anything other than that score. Today, I noticed that XXXX was charging my debit account {$19.00} for Experian. I called XXXX, and they told me there 's been a monthly charge of {$19.00} since XXXX. They called Experian, who said they would credit {$19.00}, but no more. XXXX said, with further investigation, they MIGHT be able to get a total of {$59.00} XXXX for XXXX, XXXX and XXXX XXXX. They said they could not go back to XXXX because their liability did not allow them to. I called Experian, who said they could only refund ONE month of {$19.00}. When I said that I never authorized or signed for anything other than a {$4.00} XXXX score, the representative claimed " It was on our website. '' I then inquired that if I had signed on to some long-term contract, why had n't I receive a confirming email or review of exactly the service and terms to which I had committed. She reiterated that she could only refund {$19.00}. I asked her again for the total refund of {$79.00}, but she refused. To this moment ( and I was on with XXXX and Experian for a better part of an hour ) I have NO idea what the {$19.00} monthly charge was for, or what benefit or service I was receiving for that money. I believe this is an underhanded manner to get people 's credit or debit card information and surreptitiously charge them. I told Experian I expect the full refund because I was never informed of the charge or service, and never asked for the service. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, CREDCO add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

Our former lender, XXXX XXXX XXXX, sold our mortgage to PHH Mortgage on XX/XX/XXXX. 

It was not until XX/XX/XXXX when we began to see a BK ( Bankruptcy Lawyer ) advanced amount fee appearing onto our new statement. We have spoken with XXXX XXXX XXXX and their bankruptcy department and they have no documentation of the BK fees mentioned by PHH Mortgage Service.

We soon contacted PHH Mortgage and they have stated they received it when our mortgage was transferred to them. They stated the account was service transferred with outstanding bankruptcy expenses. 
They requested that we contact XXXX XXXX XXXX  about the matter. However, as mentioned before, XXXX XXXX XXXX  have stated they do not have any documents of BK fees being posted onto any former statements. We have contacted XXXX XXXX XXXX  multiple times but they were of no help either and they unable to explain why that fee has accrued onto our new statement. They directed us to contact PHH mortgage, as they have all of our current mortgage information. 

We were unaware a bankruptcy lawyer was hired for us. No email or letters was sent about a lawyer being obtained for us. We have received no direct answers from either mortgage companies about the reasoning of a bankruptcy lawyer being hired. PHH Mortgage Service has sent us a research document about why there was such a fee, however, they still did not provide a detailed and direct explanation nor did they show proof that a lawyer was obtained and the lawyer receipt. They provided us a breakdown and description of the bankruptcy attorney fees, however the description showed that the attorney was hired XX/XX/XXXX without our knowledge. 

We have already been discharged from bankruptcy XXXX  XXXX on XX/XX/XXXX. Additionally per my lawyer, the case was closed XX/XX/XXXX. Therefore, we began to ask the lenders why an attorney was hired after the closing date, but no response was given. 

I have contacted PHH Mortgage multiple times and requested for them to provide proof a lawyer being hired and the receipt. However, they have not responded to my requests. They're claiming that we owe PHH mortgage more than {$2500.00} and they keep charging more for bankruptcy lawyer. We called again XXXXXXXX XXXX XXXX on XX/XX/XXXX they said they only hired their own lawyer they don't hire from outside. What I'm going to do now?. It's hard to talked to PHH mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS FRAUDULENT ACCOUNT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting

XXXX removed information from my credit report on or around XXXX XXXX but when I checked my credit report on XXXX XXXX, I noticed that they had reinserted deleted information.
Product: Credit card or prepaid card

I had a credit card account with Commerce Bank in excellent standing for a few years and closed it in XX/XX/2018 with a XXXX balance. I received a letter dated XX/XX/2018 stating this and was concerned about the sentenceIf further transactions are presented, you will receive a statement showing the amount due. The card expired at the end of XX/XX/2018 and no charges were made from then until receiving that letter stating official closure of the account. I have confirmed this. I contacted multiple representatives of Commerce Bank, in particular, XXXX XXXX ( XXXX ) and XXXX XXXX ( a consumer advocate at Commerce Bank XXXX, who both told me that the account could be charged in the future if a person or company sends a charge to it. Even months or years later, according to both of them. According to XXXX XXXX, Commerce Bank has an agreement with XXXX that allows this to occur. I read my Cardholder agreement in its entirety, and there is no stipulation that my credit card account is indefinite after it is closed. This is highly irregular and unsettling -- an account that is perpetually open. I can't even access the account anymore because I closed it, yet it may be charged in the future. This is highly irregular. Never encountered this before, and I have used credit cards for nearly 4 decades.
Product: Mortgage

I have two mortgage accounts with Select Portfolio Servicing Inc., 1st and 2nd liens on the same property. I refinanced the property with another lender. Payoff checks ( {$160000.00} and {$29000.00}, respectively ) were sent by the title company to Select Portfolio Servicing via Overnight delivery ( XXXX ) on Monday XX/XX/21. They were received on Tuesday XX/XX/21, yet they have not yet been credited to EITHER account. I have made calls over the past week to determine why and when they anticipate crediting these payoffs, but each representative I speak with has a nonchalant, laissez-faire attitude about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 2 disputes to XXXX in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with Bridgecrest. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. XXXX refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for Bridgecrest. On XX/XX/XXXX Bridgecrest responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my XXXX and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that Bridgrecest send to the CFPB. Obviously Bridgrecrest lied again did not correct there mistake even though they said they did. XXXX wont let me dispute the Bridgecrest account as they say I have already disputed it. I am also attaching a copy of my XXXX credit report dated today XXXX which clearly shows the inaccurate balance for my Bridgecrest account. Please CFPB look into these violations of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit card or prepaid card

On XXXX around XXXX XXXX CST I spoke to XXXX a supervisor in Chase Disputers who stated the following charges were valid because I stayed at the hotel. For them not to be valid I need to have canceled the stay. 

XX/XX/18 XXXX XXXX  XXXX XX/XX/18 XXXX XXXX  XXXX I provided the original invoice from the merchant which clearly shows a credit in the amount of {$100.00} should have been received. Instead I was charged {$100.00} Additionally, I highlighted the items I was charged in error for, including the mini bar and minibar tax fees. Upon check-in I had the hotel remove all items from the mini bar to prevent these charges. I was also charged for breakfast which is an included amenity for XXXX XXXX XXXX XXXX XXXX. To substantiate this claim I also included a copy of the printed member benefits from XXXX 's website. I even provided the exact chargeback reason code of XXXX Misrepresentation, which she stated in order for it to be valid I would have had to have canceled the breakfast despite the merchant verifying it was included and would not be charged. When I asked for her name and id number to identify her she refused to provide any identifying information stating they were not required to do so and they were not required to process the dispute as requested in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.