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

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX Credit Plus XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2022 consumer, in good faith, entered into a consumer credit transaction with DISCOVER for {$15000.00} for money which are the subject of the transaction are primarily for personal, family, or household purposes. DISCOVER denied consumer stating reasons was due to credit. Based on the Equal Credit Opportunity Act, a consumer can not be discriminated against during any aspect of the transaction. DISCOVER discriminated against me by denying my right to extend credit. Consumer is also aware this is unauthorized use of my credit card per Truth In Lending Act. ON XX/XX/2022 consumer contacted DISCOVER bank in attempt to resolve this and get the credit I applied for extended to me. The supervisor stated they would not reverse their decision. Per DISCOVER 's adverse action letter sent via, DISCOVER specifically has a notice that states The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants, because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Product: Debt collection

In XXXX with the Fair Credit Reporting Act and XXXX Account # 1. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING Paramount Recovery Med Account Number. : XXXX {$930.00} 2. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX {$120.00} 3. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX : XXXX {$100.00} 4. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX  : XXXX {$750.00} 5. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX  : XXXX {$300.00} 6. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXXXXXX XXXX XXXX : XXXX {$92.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at below address listed and have name misspelled twice on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Mortgage

I have always made my monthly mortgage payment on time ( by the XXXX  of each month ) to New Rez LLC through a bank bill pay service. Due to a typographical error, my XX/XX/XXXX mortgage payment was {$.00} short. I was not notified of the error until after the grace period ended ( XX/XX/XXXX ), I immediately called the NewRez account servicing number, explained the error, and I was charged a late fee of more than {$26.00}, which I paid immediately. A late fee of {$26.00} for a XXXX cent error with no timely notification? Is that reasonable? I respectfully request that the late fee be waived. Thank you.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Bank account or service

Money Market Account with Ny Community Savings - withdrew remaining balance and brought account to XXXX. Requested account closure via telephone 6 times, to no avail. Bank then charges series of minimum balance fees on a XXXX balance account. Bank credits {$1.00} in interest earned on prior balance. Instead of crediting my checking account with the interest and closing money market the bank waives one of the fees, charges more fees putting the account into overdraft for {$28.00} and conducts an unauthorized EFT from my checking account for the {$28.00} to pay their fees. This is an unfair practice that aims to increase fee revenue at the expense of the consumer. The account was at a XXXX balance and the bank posted {$1.00} interest. There is no clear justification to begin billing low balance fees on a XXXX or residual interest balance. Stop this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my 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
Product: Debt collection

There have been unauthorized disclosures of my personal identifying information. RC/RESURGENT RECEIVABL, XXXX, XXXX, and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am and will be invoking my rights to suretyship as subrogee/implied surety in a notice of subrogation and substitution to collect any and all chattels owed to me under the maxims of equity due to RESURGENT CAPITAL SERVICES making false claims against my Estate XXXX XXXX XXXX RESURGENT CAPITAL SERVICES has provided false and misleading documentation in an attempt to coerce payment for unjust enrichment. 



I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. 

I have also provided opt-out notices from the model disclosures that I found on the CFPB website.
Product: Mortgage

Specialized Loan Services ( SLS ) currently takes impounds out of my mortgage payment to pay for Flood Insurance covering my property. The loan servicer did not make the payment. The policy was set to expire in XXXX of 2022. As of XX/XX/2022, no payment has been made by SLS. 

We had a policy in place with XXXX 's XXXX. This policy lapsed XX/XX/2022, due to SLS not making a payment from the agreed-upon escrow account. SLS then took out a lender policy at an amount over 200 % more than what our current policy was. To this date, SLS made no payment to XXXX. We had to pay XXXX 's directly for a new policy. SLS did not make a good faith effort to pay the existing policy we had in place. Per their representatives, they stated the Insurance Company and Agent were called, the latter, two business days before the policy was set to lapse. Nothing was sent in writing the Insurance Agent, Insurance Provider, or Mortgagee. 

My husband and I did not receive any calls. My husbands number is available through their system. I have requested mine to be updated multiple times, both over the phone and through their customer portal. The number was not input correctly when it was purchased from the previous servicer. As of today, my phone number is still incorrect. 

We have sent SLS a " Notice of Error. '' Requesting that they refund the over {$900.00} they charged us for the Lender Policy taken out due to their non-payment. They responded that they were not responsible. The lender stated the Insurance Office once, two days before the policy was set to lapse. I spoke with the Insurance Office ( XXXX XXXX ), but they did not receive any message or call from them. SLS did not start sending anything to us, the property owners, regarding the new, more expensive, Lender Policy until XX/XX/2022. As of today, SLS has not credited us the amount for the Lender Policy. 

I have reached out to SLS by phone to have the escrow account removed. Our low XXXX allows this. They often transferred me from department to department to automated systems requiring me to hang up and call again. Once I finally did get someone on the phone, I was told that I could not remove the Impounds for flood insurance.

It is incredibly unethical for a company to force a consumer into paying into an escrow account for a policy they have historically had trouble paying. To make matters worse, they took out a significantly more expensive policy because of their inability to pay the policy already in place. 

The $ XXXX policy we currently have is no hardship for my husband and me to pay. We pay both our hazard and property taxes-over {$55000.00} in full. We feel that SLS is profiting from non-payment of policies that should be paid out of the escrow accounts of their consumers.

We request that we be credited {$900.00} for the policy SLS took out and charged us. We also ask that impounds no longer be taken from our mortgage payments.
Product: Mortgage

This is a follow up to claim # XXXX in which I disputed JPM claims that they do n't recognize or could n't find any loan on XXXX XXXX XXXX XXXX XXXX. I 'm still waiting for their response regarding : ( 1 ) Indicate whether apartment XXXX was one of the apartments pledged as collateral ( 2 ) The loan was originated by XXXX but then transferred to an Investor who used JPM as the servicing agent. Please indicate the promissory note owner. 
( 3 ) Date loan was fully paid off. 
( 4 ) Status of the lien release To assist in identifying the loan I enclosed and I am enclosing below copies of loan documents, XXXX filed as the servicer as well as copy of a check the corporation issued in payment of one of the mortgage installments.
Product: Consumer Loan

I paid my discover loan payment ontime as usual as confirmed by looking at my credit history I paid XXXX XXXX/XXXX/16 it is confimred by an email from Discover stating they received my payment, I also received a confirmtion number, and I have proof from my bank and a copy of the bank statement showing that discover took the XXXX out of my account on XXXX/XXXX/16 The payment was never applied to my account,, I called and they said there was a system update that caused problems with payments, the money was never applied to my loan, now I am receiving collection calls, and collection letters,, even though they said they will fix the problem they have not,, I faxed a letter to them on XXXX/XXXX/16 to the fax number I called and got from a Loan Manager, they have not replied or acknowledged they received it.. I sent copies of all the proof that the loan payment was paid, including the bank statement. This is now affecting my credit. I pay every month on time all my bills, now I am showing past due..I am so upset about this because there is nothing I can do about it. They will not correct the issue.. I have spent hours trying to correct this, I have done everything to correct this I have documents showing that the payment was made, and not just the payment but XXXX over,, I like to pay over the amount due. What can I do? my hands are tied.. I am now going to have poor credit. How do I make another payment, It will be due again in a few weeks, how do I make the payment and make sure its applied to my account. If having proof, a cofirmation number, a dopy of the bank statement showing that the paymnet was paid to Discover, a copy of the email and these things do not correct the problem what do I do??
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that has been reported on my consumer file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete information in my consumer reports, and I believe the following item ( s ) to be erroneous : - Creditor/Company Name : XXXX  - Account Number : XXXX - Inaccurate Information : - The XXXX report lists the account as having " 0 months ( terms ), '' which is inconsistent with TransUnion and XXXX, which correctly report " XXXX  months ( terms ). '' This inconsistency creates confusion and misrepresents the accounts terms. 
- XXXX includes a " CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER, '' which is not present in TransUnion or XXXX reports, suggesting unresolved disputes. 
- The " Date Last Active '' is listed as " XX/XX/year> '' in XXXX, whereas TransUnion and XXXX correctly report " XX/XX/year>. '' - The " Date of Last Payment '' is reported as " XX/XX/year> '' by XXXX, while TransUnion and XXXX accurately list it as " XX/XX/year>. '' - XXXX includes comments regarding a " CONSUMER STATEMENT, '' while this field is blank for both TransUnion and XXXX.
Product: Credit card or prepaid card

I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. 

Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. 

Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!
Product: Debt collection

XXXXXXXX XXXX XXXX XXXXXXXX XXXX cash link usa XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX sending me collections on something thats not mines. XXXX $
Product: Debt collection

Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.
Product: Credit reporting or other personal consumer reports

This account was sold to a collection agency, and I request that you update the credit report to reflect the proper status of this account. The account should not be listed as " open '' if the debt has been transferred to a third-party collector. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, and I believe the current reporting is incorrect. 

I request that you investigate this matter and correct the account status to reflect the following : The account should be marked as " sold '' or " transferred to collections '' rather than remaining open. 
The collection agency should be reporting the debt separately. 
If you are unable to verify this account or its status, I request that it be removed from my credit report. 

Please notify me once the investigation is complete and the necessary corrections have been made. Thank you for your prompt attention to this matter.
Product: Checking or savings account

I received an email on XX/XX/22 confirming opening a new account with Bank of America. I was provided an abbreviated account number and all documents had my name. When attempting to log in online to change or cancel information, it was under my social but I was unable to do anything as the banking institution was closed. I was able to email their fraudulent department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted XXXX complaints to all XXXX bureaus regarding a XXXX XXXX account that is showing up on my credit report erroneously. Transunion keeps illegally updating it, XXXX has never investigated it, and XXXX reports current payments on a closed account and they refuse to correct it!
Product: Vehicle loan or lease

I PUT XXXX DOWN ON XXXX XXXX XXXX AT XXXX IN XXXX XX/XX/XXXX, DUE TO THE CAR I THOUGHT I WAS GETTING SAID IT COULDNT BE SOLD IT WAS IN ACCIDENT. SO I END UP GETTING THE XXXX XXXX AT XXXX CAME WITH XXXX MILES. SIGNED CONTRACT WITH WESTLAKE FINACIAL SERVICE INTREST RATE IS 18.69. CAR NOTE XXXX FOR 72 MONTHS. REMIND U I PAY CASH FOR MY CARS COULD BOUGHT THIS. BUT I NEEDED TO BUILD MY CREDIT UP. I FEEL I WAS TAKEN ADVANTAGE OF HERE..XXXX XXXXXXXX MY CAR HAD TO GO IN THE SHOP SUNROOF NEVER OPENED DUE TO ELECTRICAL PROBLEM SHORTAGE, AND FUEL PUMP NEEDED FIX DUE TO I COULDNT SEE HOW MUCH GAS I HAD. WELL 4 MONTHS LATER PICKED THE CAR UP FROM THE SHOP. CALLED WESTLAKE ALSO TOLD THEM THIS IS UNFAIR PAYING FOR CAR I DONT HAVE IT HAS ELECTRICAL PROBLEMS. WHILE IT WAS IN THE SHOP XXXX BARELY CALLED, STAYED IN CONTACT. IT WAS ALSO SERVICED AT XXXX XXXX IN XXXX AT THE TIME. I CALLED WESTLAKE ASKED THEM CAN THE CHANGE MY PAY DATE THEY SAID NO BY LAW I CHANGED IT TWICE, CANT BE DONE SO I BEEN CHARGED LATE FEES. BUT IM NOT BEHIND ON MY CAR NOTES. ANYWAYS XX/XX/XXXX, 4 MONTHS LATER WENT TO XXXX TOOK XXXX PICK UP MY CAR I SEEN THE SERVICE LIGHT WAS ON STILL, I WAS TOLD BY MANAGER DRIVE AROUND IT WILL GO OFF. GOT ON FREEWAYS AND THE CAR JUST SHUTTED OFF COMPLETELY, THANK GOD I WAS IN THE SLOW LANE, I COULD CAUSED ACCIDENT. I HAD SOMEONE BRING ME BATTERY. FOR 30 DAYS SERVICE LIGHT ENGINE STAYED ON, THAN FUEL LIGHT FOR THE GAS TO SEE SHUT OFF ONCE AGAIN. CALLED WARRANTY PLACE THAT JUST SPENT XXXX TO GET IT FIX ON MY WARRANTY, HE SAID TAKE IT BACK TO THE SAME PLACE THAT FIXED IT. SO I DID XXXX. XX/XX/XXXX MY CAR HAS STILL BEEN IN THE SHOP. CALLED NEW MANAGER XXXX 3 WEEKS AGO ABOUT THE ISSUE AT XXXX SAID HE WILL GET BACK TO ME AND HASNT YET. I CALLED TODAY ASKED ABOUT MY CAR THE MANAGER XXXX SAID ITS HAVEING ELECTRICAL PROBLEM WITH FUEL PUMP ILL CALL YOU FRIDAY. I EXPLAINED ITS LEMON CAR. THIS IS INSANE NIGHTMARE. HE WAS LIKE ILL HAVE SALES DEPARTMENT CALL YOU. I CALLED WESTLAKE AGAIN MY FINACIAL SERVICE AT XXXX EXPLAIN ONCE AGAIN THEY HAVE PLENTY OF NOTES CAN WE THEY HELP ME HERE ON THIS LEMON CAR. NO THEY CANT NOT WORRIED ONLY FOR THE MONEY WITH THERE OVER CHARGE INTREST RATE AND LATE FEES CHARGES, AND CANT CHANGE MY PAY DATE. I TALK TO SUPERVISORS THERES ALL THAT NO HELP. THIS IS NIGHTMARE MY DREAM CAR IS A DISATER. TALKED TO XXXX TODAY OVER THE PHONE LOOKING FOR MANAGER XXXX HE HASNT GOTTEN BACK WITH ME. HE TOLD ME TO COME IN TOMORROW AND SEE ABOUT ANOTHER CAR. ARE U SERIOUS HERE NEVER AGAIN. I GOT CHARGED TO MUCH AND WESTLAKE FINACIAL IM TOTALLY GOOD. THIS IS UNFAIR AND SAFETY HAZARD CAR ITS CALLED LEMON. WENT TO DMV SUPERVISOR IN XXXX SHE STATED XXXX NEEDED TO DO Z02 ON THE CAR SEND IT TO XXXX. THERES THIRD PARTY ALSO ON THE TITLE. SHE SEEN MY AUTO CONTRACT SAID U GOT OVERLY CHARGED BOTH WAYS HERE MY DEAR. SMH THIS IS UNFAIR THIS CAR HAS PROBLEMS I ONLY DRIVEN IT XXXX MILES SINCE I HAD IT. IT HAS XXXX MILES NOW U BE THE JUDGE THANKS
Product: Credit card

I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''