23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS.  At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at XXXX XXXX. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at XXXX XXXX and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at XXXX more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.
Product: Credit card or prepaid card

Citibank sent me an email in the middle of the night informing me that my rewards account had just been linked to XXXX. The emails I received clearly conveyed fraud, so I unlinked the card and called them. They took an exceedingly long time to answer, and when they finally did they told me that they were linking everyone 's cards and not to worry about it. It's incredibly poor practice to scare your customers with midnight changes to their account without even an email to explain that it was automatic and not related to fraud. I'm honestly still not convinced that I'm not the victim of fraud with it. I have had terribly experiences with Citi before, and I think this is the last straw. I will be looking for a new credit card provider soon.
Product: Credit card

Paid off credit card with Synchrony Bank during the promotional period. This amount covered the amount that was used to make purchases. I told the company to close my card, which they did. 2 weeks later I received a bill in the mail that I still owe another {$290.00}. I called Synchrony Bank and they told me I owe {$290.00} in late fees. I asked them how when I paid each month on the credit card. It is also listed on my credit report that I paid on time every month. The company for some reason, will not remove the late fees, even though I was never late ... They have now charged me another late fee and the balance is over {$300.00}. I made numerous attempts to call them and tell them I do not owe them a late fee if I was never late on payments and have proof from the credit bureaus that it was reported on time.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 16929c ) ( g ), All charge offs need to be removed under 15 U.S.C. 1601 15U.S.C.16819 ( c ) 2, ( e ), ( i ), All late payments need to be deleted 15 U.S.C. 1666 ( b ), 15U.S.C 1637 ( a ), all car repos need to be deleted 15 U.S>C> 1681 ( s ) 2 and all Hard inquiries need to be deleted 15 U.S.C. Code 1681 ( n ) the items that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California XXXX Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was advised that a collection account was placed on my credit report by MRS Associates on behalf of XXXX XXXX for a balance of {$1600.00}. Upon further investigation I learned that a utility account was opened using my information for service address XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I've never lived at this address nor do I know anyone who does or did. The account was opened in XX/XX/XXXX and final bill date was XX/XX/XXXX. I have lived at my current address in Maryland for the past XXXX years with no breaks. This is not my debt and is clearly a matter of identity theft. I have attached a copy of the police report as well as proof that I've owned and lived at my current address since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XXXX and they sent a letter that it would be fixed in 30 days and its still reporting as a late payment when they said it was removed per the letter they submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that LexisNexis freeze my report, a request for suppression because I'm a victim of identity theft, and I also request that my consumer file be sent to me, and neither has been done.
Product: Mortgage

My state taxes was not paid and I got a letter stating its past due with fees.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXX Date opened : XXXX, 2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, 2022 Balance : - ; XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Balance : -.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I checked my 3 credit reports and saw a bad remark that is on my report and is NOT mine. It says {$1100.00} XXXX XXXX XXXX. XXXX XXXX. Never had I ever signed up for XXXX XXXX  and I have 0 negative remarks on my credit. So far this has showed up on my XXXX and experian report and I demand they remove it. This is damaging my credit report! This just showed on my report this month and I have NO idea why this is on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX said : rewrite to make me feel somewhat angry with there process and treatment of me : This is the second time XXXX filing a complaint against experian credit montoring comapny. They have continuesly denied me from having access to my credit account through them which in return is denying me for having access to credit and continues denial from Credit companies when I apply. I have a XXXX XXXX XXXX and they have posted through there company this account is fragilant and in return is causing me to be denied for credit. I have tried calling and have emailed them on several occuations. if this does not work I will get and attorney and look to file a lawsuite against them if this continue because they are causing me stress and ny help from the action they are causing XXXX said : XXXX Heres an angrier, more forceful rewrite of your message : This is the second time I am filing a complaint against Experian Credit Monitoring, and I am beyond frustrated with their ongoing refusal to XXXX me access to my credit account. Their actions are not only preventing me from managing my credit properly but also directly resulting in repeated denials of credit applications. This is unacceptable. 

I have a XXXX XXXX of XXXX, yet Experian has falsely flagged my account as fraudulent. This blatant inaccuracy is causing me significant harm, including unwarranted denials from credit companies. I have reached out numerous timesthrough phone calls and emailsbut they have failed to address the issue or provide any meaningful resolution. 

If Experian continues to ignore my concerns and refuses to take corrective action, I will have no choice but to consult an attorney and proceed with legal action. The stress and financial harm they are causing me are intolerable, and I will not stand by while their negligence continues to affect my life. 

Experian has been able to verify my identity on many occassion through ID, XXXX card, home XXXX, voice recognition and answering a serious of question about my pass credit history which I have answered correctly everytime I where able to get them on the phone
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 


By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with ONEMAIN FINANCIAL Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with ONEMAIN FINANCIAL for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX in XX/XX/... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX... i did not purchas this in XXXXits on my credit report causing problems..i have sent written letter in XXXX  to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family XXXX XXXXXXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and march him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX and its still there..
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Product: Checking or savings account

This is involving a deposit of {$3700.00} deposited to my account and was informed by Chase bank a 7 day hold as it was released to a 24 hr hold and they failed to honor check and falsified the deposit day and now they refuse to release funds, after calling, 3 agent led with when funds are available from XXXX XXXX XXXX XXXX XXXX XXXX. cant get their lie together and refused to release funds to me. 
This was the worst service I've ever experienced. I initially spoke with rep on THURSDAY, XX/XX/XXXX calling re a deposit to my account for XXXX XXXX XXXX XXXX XXXX  from the Chase in XXXXXXXX XXXX XXXX XXXX I called Chase CS immediately as agent informed me that she released the hold & expedited to 24 hrs; same day I received a survey re CS ... due to the fact she falsified info by telling me funds are available in 24 hrs, the funds were not available withing 24 hours. I called AGAIN on XXXX XXXX as so called supervisor XXXX was super rude right from the start, saying he was taking over the call and that his XXXX words were, MY UNDERSTANDING you called to " file a complaint '', but that wasn't the case. I informed him that I can speak for myself and inform you as to why I'm calling, he came off immediately as RUDE and unprofessional. I had already told the previous rep, XXXX, that I was calling about a hold on a check, whom was the one that transferred me to rude XXXX. Last Thursday XXXX, I was told it was placed on a 24-hour hold, but XXXX changed the story and said the check would be released on the XXXX. Then I spoke with XXXX same day, who was also rude, and he said the check would be released on the XXXX. I ended up talking to three different reps, and they all gave me conflicting information and came off to me as being rude. This was the worst service I've ever had from Chase, especially after being passed around from one department to another. I didnt feel valued or treated fairly at all. I told XXXX I would file a complaint with the CFPB, but she refused to connect me to a manager, unless I explained why I was complaining. She didnt help me with the check hold and didnt care about my previous experience with Chase on XX/XX/XXXX, when I was told there would be a 24-hour hold. When she finally transferred me, she just told the rude XXXX that I was filing a complaint. NOT regarding a deposit hold. I received conflicting info from the XXXX agent a 24 hr hold to the XXXX from a XXXX XXXX XXXXXXXX, to the XXXX from XXXX. They need to get the lies together. I informed ALL reps that I previously deposited and cash checked from XXXX XXXX before as now its an issue and the rudeness from the reps as what I have been getting from Chase since my account was in jeopardy of fraud by someone overseas. The directly transferred me to fraud as I did not commit any fraud but the rude and unprofessional behavior is unacceptable. I don't appreciate it nor appreciate the unfair treatment.
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I would like to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : PORTFOLIO RECOV ASSOC In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

BofA once told me to send the last 10 digits of my debit card to them within their specific secure e-m reply site. I did. BofA then impeached its own instructions by saying that what I had sent to them AS IT INSTRUCTED ME TO DO was unacceptable. 

BofA replied with a stupid comment. STILL WILL NOT EITHER FIX its e-m security code link -- - AND -- - REFUSES to send a SIMILAR CODE VIA C-PHONE TEXT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX 

added note re CFPB website : Q on p.5 of 5 re is anyone else involved in this matter only offers 2 choices -- - NEITHER applies -- - my HUSBAND ( XXXX XXXX has 100 % been involved and helped me and has 100 % access to my personal and financial info but is NEITHER a joint account holder nor an additional card holder -- - he is involved because I WANT HIM TO BE, and he has my 100 % XXXX authority and account info access, ... not for BofA 's legal dept reasons. his e-m is : XXXX. your website needs this added option answer for this question. otherwise, your website is very good. thanks.
Product: Debt collection

I have received several calls and a letter stating that I owe money to a collections agency. I have all three of my credit reports and there is nothing in collections. The number that called me was XXXX. I refused to give them any of my information over the phone. They say I owe some XXXX dollars but they don't give any source of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to an account reporting on my experian and XXXX credit report. I have been disputing this account for months now. XXXX  has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that experian and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Product: Credit card or prepaid card

I applied for a TD Bank credit card a while back but I never got anything in the mail so I figured that I got denied. But today I signed up for this website called XXXX XXXX and it says that I owe over {$8000.00} on a credit card that they never sent me. 

How can I owe them for a card I never even received? 

I called them and reported the issue today at XXXX XXXX but they said I have to come into a branch or they wont do anything to help me even though I told them whats going on. I work two jobs and I dont have time to come into a branch. 

This is discrimination against people who dont have the ability to take off from work, they are refusing to help me because I dont have free time to stop by a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion took a collection off and then they put it back on This is the THIRD time they have done this!

This is so ridiculous {$1100.00} is owed in the collection. It was removed and then placed back on. 
This is not okay to keep taking off and putting back into my credit report and it needs to be removed completely! 

They did not verify collection they just placed it back on!