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

I'm contacting you in regards to Account # XXXX with the company XXXX XXXX. I submitted a complaint on XX/XX/XXXXXXXX  with the CFPB about this account, as a result XXXX XXXX agreed to close the account. According to the response on XX/XX/XXXXXXXX  it was stated : Nevertheless, at this time, we have made a business decision to close your account. No further payments are owed. We will also submit a request to the three major credit bureaus to which we furnish information to update our reporting to reflect the account closure. Please allow up to sixty ( 60 ) days for this update to be reflected in your credit report. Although we will not delete the tradeline associated with your account, once we report your account as closed, we will no longer furnish information to the credit bureaus. Currently my equifax account reports that the account is active, and have been reporting as late since the arrangement. I opened a dispute with equifax and have yet to get a response. The inconvenience is causing a negative effect to my score in the process of me rebuilding my credit. I spoke to the credit monitoring department at credit acceptance yesterday and the the representative mentioned that it is a possibility not a promise that the account may be removed as of XXXX of XXXX. I'm asking that this account be removed from my complete credit profile via : XXXX, XXXX, and Equifax due to the violation and reporting false information. Thank you
Product: Debt collection

Ive already let them know some one either has the same name or something but I assure it isnt me and it came off and went right back on my report My information may have been impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists I also have inquiries that I would like removed as well The collection Is : IC SYSTEMS The inquiries that should be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have applied for the SCRA Civil Service relief Member Act ) benefits under the key provisional state law of OHIO as that is my home of record and I am a military spouse. I provided all of the documentation needed for the process ( military orders, LES, marriage license, proof of HOR, etc. ) I sent in my initial request via fax number based on the number given by a representative in XXXX and followed up weekly via phone call. I provided a letter in my request with specific account information and that to review the eligibility under OHIO code as it is different than the Federal code. Each follow up call lead to more frustration as no representative, including supervisor staff were educated on the SCRA benefits. I was told different information each time. I was then told I was denied because of XXXX XXXX service member date was before the account opened. Again, I requested my 2 accounts be reviewed again because Ohio law states even DURING the XXXX XXXX period. My spouse is STILL XXXX XXXX. I was denied again and told that Ohio is not a Key provisional state which is not correct. The company needs to train their staff better on this topic and I have not received the benefits on my 2 accounts that I am entitled to receive. Also, not to mention when we submitted this request, 2-3 days later, my husband received a credit alert stating that 2 new cards were applied to his credit report FROM THIS COMPANY! SO NOW HE IS ALSO A VICTIM OF IDENTIFY THEFT. Genesis FS Card services has horrible customer service and does not honor their military service members.
Product: Debt collection

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cah App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Mortgage

We applied to Citibank for refinancing in XX/XX/2020. The loan was still not approved in XXXX. We applied to XXXX XXXX  in XXXX and notified Citi we did not want to pursue the loan with them. The loan officer contacted me and asked what rate XXXX was offering. The loan officer contacted me again, informing me that if we could provide additional documentation the loan would be approved immediately. Then they pressured us into canceling the application with XXXX, by saying they could not approve the loan because we had a loan with XXXX. 
The loan was finally approved XX/XX/XXXX but we still have not closed ( today is XX/XX/XXXX ) and have no information about when we will close. 
If we had stayed with XXXX we would be closed by now.
Product: Mortgage

My name is XXXX XXXX. I purchased a townhouse in 2007 at XXXX XXXX XXXX XXXX XXXX, MN XXXX. I became aware recently that I had been charged PMI insurance for much longer than I should have been. 

I have requested in writing several times over the years to cancel my PMI insurance. I also called the different mortgage companies that owned the loan many times over the years to find out if I was still being charged and I was told that I wasn't several times. Most recently I called New Rez ... .and I just found out that I was still being charged until just a few months ago. 

I believe I have been overcharged by thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the required documents to correct the errors being reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called Transunion on XX/XX/2020. Customer Service Wouldn't help and take care of the Negative Hard Inquires reporting to my credit report. THAT I DID NOT AUTHORIZE As Iam A Victim of Their Inquiry Issues!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX Balance : {$29000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX Attn : Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

I received a cancellation of debt notice from XXXX , XXXX dba XXXX XXXX , XXXX in XX/XX/2018 indicating that a debt that I supposedly owe XXXX XXXX had been discharged in the amount of {$1200.00} dollars. 

On XX/XX/2018, I sent a letter along with a copy of the cancellation of debt notice to XXXX , XXXX dba XXXX XXXX , XXXX disputing this alleged debt and requested validation of the debt. Thirty days passed with no response from them. After failing to respond to my request, a second request for validation of the alleged debt was sent on XX/XX/2018. I  included a copy of my previous letter, a second copy of the cancellation of debt notice, and a copy of the mail receipt showing that XXXX , XXXX dba XXXX XXXX , XXXX received my first request for validation of debt letter on XX/XX/2018. 

XXXX , XXXX dba XXXX XXXX , XXXX responded with a letter and a copy of a check that I supposedly signed and cashed ; however, after carefully reviewing the check, I still disputed the validity of the alleged debt. The check states that a Payees endorsement and 2 forms of ID are required. XXXX , XXXX dba XXXX XXXX , XXXX did not enclose a copy of the 2 forms of ID used proving that I indeed endorsed the check. Identity theft is rampant in the world that we live in today, and a signature can easily be forged by anyone. 

I am requesting that this item be deleted immediately from my credit file because XXXX , XXXX dba XXXX XXXX , XXXX has failed to validate this debt. Please send me an updated copy of my credit report reflecting this change. 

Sincerely, Enclosure
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent 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
Product: Credit reporting or other personal consumer reports

Subject : Opt-Out Request Pursuant to 15 UCC 6802 Dear American Express I , XXXX XXXX XXXX am formally submitting this letter as an Opt-Out Notice pursuant to 15 UCC 6802. I am aware that American Express is not officially affiliated with any credit bureaus. However, if personal information and transaction history are being reported to credit bureaus, I insist on opting out of such information sharing.

According to 15 UCC 6802, there is no exception to this opt-out request. I demand, unequivocally, that you immediately cease any sharing of my personal information with third parties in accordance with the mentioned statute.

This is not a mere request but a formal demand based on my rights under 15 UCC 6802. I appreciate your prompt attention to this matter and expect confirmation of my opt-out status within a reasonable timeframe. Kindly provide written documentation confirming the fulfillment of this demand at your earliest convenience.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting

EVERYTIME THAT I TRY TO GET MY FREE CREDIT REPORT AND IT ASKING ME QUESTIONS THAT IS ON MY CREDIT THAT I HAVE NOT HAD MY HANDS IN INCLUDING ACCOUNTS AND LOANS.
Product: Credit reporting or other personal consumer reports

Credit bureaus reporting inaccurate information on my credit report regarding closed accounts and balances. Acct name : XXXX. My account is paid/ never late and closed which is accurately being reported by XXXX. However, Transuion and XXXX reporting charged off and late.
Product: Credit card

Second email today ; second time I'm reporting. Different sender. It's an almost believable email telling me there are restrictions on my CHASE credit card. Earlier I received one, which I reported, saying security has been violated ; someone is purchasing XXXX XXXX with my card. This time the sender was XXXX. 

I know it is fraud because I click on the sender 's name immediately and it is not from Chase. They want me to click on their links ( I'm not that stupid ) and that's where I stop reading. 

Here is the second email ; Chase Logo Account Update Important : Please contact us or use the secure link - To help protect against fraud, we restricted and may need to close your account soon : At Chase, we're always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your accounts and may need to close it soon. 
We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account- you may be able to provide the information needed to keep it open.

Here 's what you should do Click the secure link below to quickly provide the necessary information to lift these restrictions ; otherwise, your account may be closed Secure Link Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

This service email was sent based on your alert settings. Use the Chase Mobile app or visit chase.com/alerts to view or manage your settings.

Chase can not guarantee the delivery of alerts and notifications. Wireless or internet service provider outages or other circumstances could delay them. You can always check chase.com or the Chase Mobile app for the status of your account. 

To protect your personal information, please don't reply to this message. Chase won't ask for confidential information in an email. 

If you have concerns about the authenticity of this message or have questions about your account visit chase.com/CustomerService for ways to contact us. 

Your privacy
Product: Credit reporting or other personal consumer reports

I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records
Product: Debt collection

After looking over my XXXX consumer report I've noticed that Collection Management its reporting a collection account that I am not aware of. I reached out to the creditor asking. them to provide verification documents which includes signed contracts & agreements, written consent from me giving them the permission to obtain and share my personal information, and proof of date of first delinquency. They never provided this information to me which violates 15 U.S. Code 1692g - Validation of debts. I am aware that I have a right of privacy and by them obtaining and sharing my personal information without my consent they violated 15 U.S. Code 6801 - Protection of nonpublic personal information and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. After refusing to pay this alleged debt that I am unaware of, I asked the creditor to cease all communications with me which by definition of communications, reporting this debt to my consumer report is a form of communication in which they failed to do so. I am also asking that XXXX properly verify the information listed in my dispute letter and if they can not provide the provided documents asked then they must remove the account immediately in accordance of 115 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby filing a complaint on the denial of loan modification because your company failed to evaluate this borrower for all los  s mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 (  c ) ( 1 ) ( i ).
The lender has refused to review this clients file for loss mitigation options due to the package being received on  XX/XX/XXXX 2017 with a sale date of  XX/XX/XXXX 2017 - This is more than 7 days prior to the sale date and being that the lender services more than 5 thousand loans they are required to review this file.
Product: Vehicle loan or lease

In XXXX Yamaha claimed they did not receive our payment. I faxed over proof of payment from the bank. Yamaha has charged us two months late fee. I have made 4 phone calls, submitted ( fax ) our proof of payment and they still have not removed the late fees. I am attaching the payment report from our bank that shows we have been timely with our payments. The bank reissued the XXXX payment in XXXX since it was sent, but not cashed. I have been disconnected twice now by Yamaha while on hold to see if this issue can be resolved and no one will follow through or connect me to a manager for escalation.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute letter was mailed to all 3 credit bureaus dated XX/XX/2021. As of today I have yet to hear back with a resolution to my dispute. The accounts are fraudulent and should be removed. from my credit profile.
Product: Credit reporting or other personal consumer reports

Self Financial is reporting XXXX late payments on my account for the months of XX/XX/2020 and XX/XX/2020. This is false information. I was never late and the account is paid and closed. Please remove this information.
Product: Mortgage

On XX/XX/XXXX I signed a refi on my property via a broker and XXXX witnesses at XXXX XXXX XXXX XXXX of XXXX XXXX to be picked up with XXXX XXXX due to machine problems Picked up check/over XXXX missing told credit score and 30 mins before closing received call from agenct stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. 
Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX XXXX, comscent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of XXXX XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Phone call to XXXX XXXX XXXX who forwarded an an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX f.After too many calls to Town & Country was able to bring the XXXX closing Documents safe RETURN from XXXX XXXX ALL XXXX pages. 
g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from XXXX XXXX. 
And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. 
Was I Profiled?
Product: Vehicle loan or lease

BMWF has been calling repeatedly despite a payment arrangement or intentions thereof made with a rep on or around XX/XX/XXXX, I believe. The rep spoke with may or may not have noted my intentions/promise to pay which includes a payment in the amount of {$1000.00} via bill pay with my bank, XXXX. In addition to this, a recurring payment is set to come out also on the XXXX of every month. The account is past due for the month of XXXX, payment in XX/XX/XXXX will cover it and recurring payment on same date will cover XXXX as well..
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the recurring problem the credit bureau has been called XXXX XXXX about there handling of my credit report. This company transunion. Has for years taken my XXXX XXXX down for no credit being used. Never goes up when cards are paid off or accounts. They just lower score at least XXXX to XXXX points and never raises for months just reduced score
Product: Credit reporting or other personal consumer reports

I do not recognize the following findings XXXX XXXX XX/XX/XXXX SYNCB/TJX DC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that verification be provided to me for credit inquiries that posted to my credit report. 


XXXX XXXX XXXXXX/XX/2018 XXXX XXXXXX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXXXX/XX/2018
Product: Mortgage

I closed on a HELOC with PNC Bank. As part of the terms of the loan, PNC required that I use a portion of the funds to pay off a XXXX credit card to reduce my debt to income ratio. I agreed. During closing, I provided information for PNC to pay XXXX directly. I was told I was not allowed to receive the funds myself and then pay it off, they needed to send the check. 

After the closing, PNC sent a check to XXXX, which was confirmed received. XXXX credited my account for the amount of my credit card bill, which was just shy of {$20000.00}. Three days later, XXXX reversed the payment stating that PNC had refused to pay the check. The same check PNC issued. 

I have been attempting to resolve this issue with PNC for weeks. I get nothing but the run around and people saying it's not their department. Meanwhile, PNC is currently charging me interest on that same {$20000.00}. They have not, and they refuse to, reverse the payment. They are billing me for using the money that has not been, nor can it be, used. I was also charged a fee from XXXX for having a returned check.
Product: Debt collection

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.