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

EQUIFAX Has now returned to my credit report, an account with XXXX, apparently at the request of the creditor, that is in charged-off status & which is the result of credit card fraud. Fraudulent charges began in XXXX, and led to the charge-off in XXXX. I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have already submitted a CFPB complaint, along with my FTC identity theft report, and valid identification, however I have been refused my rights as afforded to me by the FAIR CREDIT REPORTING ACT. I have now been repeatedly denied my rights as a citizen of the United States of America, with inappropriate actions taken by the companies involved ( XXXX, Equifax to a lesser extent ). I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within 4 business days. ( SEE XXXX  ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within 4 business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. I have attached a POLICE REPORT with XXXX XXXX XXXX, in regards to the fraudulent use of said credit card. The Account number for the XXXX XXXX credit card I am referring to is : ( ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX This will be my last attempt before I pursue litigation if my rights are continuously violated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor was XXXX, account number XXXX. The current creditor is Rozlin Financial Group , Inc. account number XXXX. They say this debt originated XX/XX/XXXX. 


I received a response from RFGI requesting additional information to properly investigate the claim. The following information was provided to RFGI on XX/XX/XXXX ( Copy of the FTC Identity Theft Report, Government Issued ID, and Utility Bill ) via email ( XXXX ) I would like to have this removed from my credit report.
Product: Mortgage

Roundpoint Mortgage has failed to act as a fiduciary with regard to our escrow account. We have maintained insurance ( option and then mandatory flood - dues to changing flood maps ; windstorm, and hazard ) for many years prior to Roundpoint becoming our servicer. 

In the fall we were notified we would need to have these insurances ( which are not managed by their escrow department ) for our loan to remain compliant. Understanding this, we paid our annual premiums on our own and provided declaration pages to Roundpoint via email, fax, secure email, and their secure portal ( serviced by a third party website ). We then had our insurance agent provide same again. 

We received confirmation of the uploads. For the past three consecutive months we have been threatened with lender placed insurance ( after confirmation they received our insurance declaration pages and confirmation on the phone they received same ). Then, on XX/XX/XXXX, they placed lender coverage which was - by their own correspondence - not needed as our insurance had been in place. 

After many phone calls and correspondence we were told that insurance was placed and then we were told the lender policy was canceled and we would not be charged. 

Today, XX/XX/XXXX, I received notice that my mortgage payment is increasing $ XXXX because of ... .the need to pay the lender placed ( and canceled by their own letter and confirmation that I had insurance and still have insurance which is sufficient ) insurance. The increase will not only cover the annual premium which was wrongly and improperly placed, but also the shortage for next year 's flood insurance premium. 

When we called into the company we are told that we should have had insurance ( we did and they confirmed they had it ) and that they will need to do another analysis before they will release the change in escrow. In the meantime I am only allowed to make the new mortgage payment amount and if I don't then I could see my account fall into default. For context, I am a month ahead on my mortgage and like to prepay a few months in advance when possible as I'm self employed. When we asked for a supervisor, we are initially told there is nobody to speak to. Then we are told that nobody will take the call. Then we are told we must wait on hold for well over an hour to see if someone will take the call. 

I have asked multiple times to manage my own escrow account ( which I already do for the insurances since I can not trust this company 's record keeping and fiduciary capacity to make sure my home is covered. All that would entail is myself paying the cost of annual property taxes, but I am told that would need another analysis ... which is not comforting since the first analysis resulted in threatening letters, unilateral change in payment amounts and obvious and admitted negligence when it comes to actually confirming we had the insurance in place. Our loan to value is between XXXX and XXXX percent ( owe approx. XXXX on a house which appraises for nearly XXXX ).
Product: Credit card or prepaid card

In XX/XX/2018, I closed my account with Capital One which I had for 19 years. I paid the balance off in full since I am now retied and do not want multiple credit cards open. The other issue I had with Capital One was their unacceptable security over the handling of my account. Far too many fraudulent transactions that happened and they could not offer any explanation. 

Since that date Capital One has continued to keep the account open and more fraudulent transactions have happened, some overseas transactions XXXX XXXX XXXX. I have attempted numerous times to close my account to no avail. Please let me know I can do to put an end to this issue once and for all. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 A Section 2 : it also states a consumer reporting agency can not furnish a 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 fo any reason.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. 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 regard 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/2023 I filed a dispute online wih Experian regarding the payment history and payment status for an XXXX XXXX account/tradeline. I had filed at least one ( 1 ) CFPB complaint for the Experian has neither read disputes nor examined the documentation included with the disputes and complaints. Experian has never even read the basic dispute commentary. Instead Experian failed to re-investigate and concluded the dispute was a " fraud dispute, '' because the language in the language in at least one ( 1 ) of the CFPB compaint resolution sections used the word " block, '' as in " block the furnisher of information from inserting additional information under a new and/or duplicate account/tradeline. '' This language should not be unfamiliar. IN fact this is the exact language in 15 USC 1681s-2 b ( i ) ( E ) ( iii ) : " E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information '' ( see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). There is no excuse for this level of incompetence, and no reason why this should have to be reinvestigated twenty ( 20 ) or more times when the enclosed documentation clearly shows the information supplied by XXXX to Experian is inaccuarte/incomplete/false/misleading XXXX XXXX The account/tradeline needs to be deleted.
Product: Credit reporting or other personal consumer reports

Experian.. XXXX and XXXX are reporting negative information on my report without providing the process in which the debt was validate pursuant to section 609 of the FCRA the are telling me to get the information from they creditor if they havent been supplied with this information to validate the debt they can not legally report it on my credit
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter on XX/XX/2022 to XXXX Trans Union and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph XXXX before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and my personal information has been compromised and misused by a XXXX XXXX  to secure an unauthorized loan for a XXXX XXXX XXXX in XXXX. The fraudulent actions include signing my name on a contract without my consent, resulting in a loan with triple the interest rate compared to what was initially agreed upon. 

Here are the specific details of the fraudulent activity : XXXX. Unauthorized Contract : I did not sign the loan contract for the XXXX XXXX XXXX. The dealership forged my signature and submitted it without my knowledge or consent, which is a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, et seq.

2. Inflated Interest Rate : The fraudulent contract includes an interest rate that is triple the rate I had agreed to initially. This inflated rate was not disclosed to me and was never authorized by me, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 
XXXX. Dealership Misconduct : The XXXX XXXX  in question pushed through this unauthorized contract despite my clear instructions and without my involvement. This constitutes a blatant act of identity theft, as defined by the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028. 

Enclosed with this letter, you will find : A copy of my identity theft report filed with the local police department. 
Documentation of the unauthorized loan contract and the original contract terms that I had agreed to. 
My personal identification documents for verification. 

I kindly request that the credit bureau takes the following actions : 1. Immediate Removal : Remove the fraudulent loan entry related to the XXXX XXXX XXXX from my credit report, as required by the FCRA. 
XXXX. Investigation : Conduct a thorough investigation into this matter to ensure that no other fraudulent activities are impacting my credit report, in accordance with 15 U.S.C. 1681i.

3. Notification : Notify me promptly of the actions taken to correct my credit report and provide confirmation of the removal of the fraudulent entry, as mandated by the FCRA.

This fraudulent activity has significantly affected my credit score and financial standing, and I am seeking your prompt attention to rectify this issue. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to restore the accuracy of my credit report. 

Thank you for your cooperation and assistance in resolving this matter. Please contact me if you require any additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Experian Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

My wells Fargo reflect card was fraudulently used on XX/XX/year> an XXXXXXXX for XXXX dollars in XXXX increments. I filled fraud dispute an they denied our claim for no reason. It's obviously was fraud an reported it immediately. I've called to try an resolve this multiple times an get rejected or hung up on.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to use goods and service. I did contacted XXXX and told them this inquires are fradulent and provided proof, even though they told me that this inquires were verifed. Please dispute and remove this fradulent information from my credir report XXXX  XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that my personal and financial information was compromised without my authorization and that this breach has been a clear violation of the Family Educational Right and Privacy Act ( FERPA ) and it is their responsibility to safeguard my information. Also, given the severity of this breach and the resulting compromise of my personal and financial information, I request the immediate cancellation and discharge of my student loan debt in full. Code 15 USC 1681.
Product: Mortgage

Subject : Cross Country Mortgage - Continued Concerns Dear Cross Country Mortgage, I hope this letter finds you well. I am writing in response to your recent communication, where you acknowledged and apologized for the incident involving my forbearance application and my denial for restitution, a claim I'm making due to your error in processing my application. This error is having a negative impact on my credit score and financial stability. 

This incident is part of a larger pattern, which I have been attempting to convey through a series of cases that have been logged with your company, including cases XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. My hope was that by bringing these issues to your attention, you could initiate an evaluation and investigation aimed at rectifying the persistent problems I've encountered. 

While I appreciate your promptness in addressing this specific matter, denied any wrong doings and profusely apologies for all the harm to my credit stability, it has once again underscored the systemic problems within Cross Country Mortgage that have been the source of my ongoing frustration. 

In your previous letter, you expressed your commitment to the security of borrowers ' information and the high standards of service that you aim to provide. While this is indeed commendable, the reality of my experiences with Cross Country Mortgage has consistently fallen short of these assurances. It appears that the issues I have raised are not isolated incidents but are indicative of larger communication and operational deficiencies within your organization. 

I genuinely believe that your intentions to provide excellent service are sincere. However, there seems to be a significant gap between these intentions and the reality experienced by customers. The lack of proper communication between departments and the recurring errors in handling borrowers ' accounts raise concerns about the overall efficiency and reliability of Cross-Country Mortgage 's systems. 

While you assure that sending correspondence was an isolated incident, once again I received correspondence intended for another customer. ( see attached ) I want to reiterate that my objective in highlighting these issues is not to be adversarial but rather to prompt positive change and improvement. I have been adversely affected by these systemic problems. 

I seek restitution for the unfair amount of time in spent rectifying all the wrong doings of my forbearance application. All you have done are unsustainable and poor explanations that does not correlate with the real story. I need resolution, transparency, and the reassurance that my mortgage servicing is in competent and trustworthy hands. 

I appreciate your continued attention to these matters. I remain hopeful that we can move beyond apologies and initiate concrete actions to address and rectify the systemic problems that have been affecting Cross Country Mortgage customers. 

Thank you for your understanding, and I look forward to your response and a productive resolution. 

Sincerely, XXXX XXXX