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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  {$450.00} SXXXX XXXX XXXX {$3700.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX I paid the National Credit Systems Inc. {$180.00} on the behalf of XXXX XXXX XXXX XXXX. As of XXXX XXXX the debt is showing in collections on my XXXX credit report. I've called National Credit Systems Inc. multiple times to have this debt /collection removed from report as agreed in XXXX, but they've denied my request and continue to dismiss me. 

Note : this debt was removed from my credit report in XXXX of XXXX, but reappeared this year.
Product: Mortgage

I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.
Product: Debt collection

I am being accessed several late fees from Catherines women 's apparel XXXX for a XXXX XXXX  for {$21.00} that I returned on XX/XX/2022. I have received phone calls and bills regarding late fees for this XXXX XXXX  that I returned. 

The first late fee was assessed on XX/XX/2022. And the fees and phone calls have increased. For your convenience, I have attached a copy of the billing statement in question. 

Catherines has harassed me with phone calls and bills for the past 6 months. In XXXX, I broke down and agreed to pay {$2.00} to resolve the matter. A few days later, I received a letter of resolution from Catherines. I was willing to pay them their requested {$2.00} to have matter resolved and have peace in my life. 

Last week, I began receiving collection phone calls and a bill again claiming I now owe them {$210.00}!!! 

I do not owe Catherines any money. The company is having severe financial problems, they've closed all their brick and mortar stores so they are trying to scam money off of me. 

Under no circumstances will I ever purchase anything from Catherines catalog anymore! 

Please help me. I have been harassed for a non-existent " debt '' since XXXX, 2022 via phone and snail mail. Will you look into this matter? 

Thank you for your assistance, XXXX XXXX XXXX cell
Product: Credit card

On XX/XX/XXXX, I went into the Conn 's at XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I was looking to purchase a dishwasher. The customer service rep talked to me about financing. I applied for a credit card which was offered through XXXX XXXX. The rep told me the credit was declined but said I would be approved for the store financing. I left without accepting that offer and made no purchase. On XX/XX/XXXX I received an alert that a credit card was opened from XXXX XXXX. I believe they store is untruthful so that consumers will use their financing offer instead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2006 I was a victim of phishing scam. Someone stole my identity, hacked my banking info, and opened up accounts in my name. I received a email from my bank instructing me to update my personal information because their system was compromised but it actually was a fraudulent email. I entered all of my personal info to update my account. A couple hours later money was missing from my bank account and days later credit cards were opened in my name and etc.
Product: Mortgage

SPS is a predatory lender who acquired my loan from XXXX XXXX XXXX in good standing in XXXX XXXX XXXX 

SPS lending practices are illegal and they should be prosecuted to the fullest letter of the law. 

When SPS acquired my loan my monthly payments were : {$1000.00} Principal & Interest {$670.00} Escrow = {$1600.00} Monthly Payment XXXX has never assigned an escrow shortfall/PMI to my account. XXXX consistently paid the balance due of my taxes and insurance annually from my escrow account After making my monthly payments consistently to SPS from XXXX to XXXX XXXX XXXX, I received a new escrow analysis on XX/XX/XXXX. The new analysis included the addition of a mortgage shortfall account. 

Escrow Analysis XX/XX/XXXX {$1000.00} Principal & Interest {$740.00} Regular Escrow {$130.00} Monthly Escrow Shortage/PMI = {$1800.00} Monthly Payment In this analysis they advised that my shortfall amount was {$3700.00} and would be spread over 24 months. 

Where are these numbers coming from??? FRAUD!!! 

After receiving this analysis, I reached out to SPS and requested that the PMI/Shortfall account be removed. I advised the State of Georgia does NOT require PMI accounts. SPS responded with the illegal closure of all escrow accounts. ( FRAUD ) After refuting back and forth with SPS, they issued a new analysis on XX/XX/XXXX which reflected a shortfall in the amount of {$4400.00} with the amount being spread over 24 months. 

{$1000.00} Principal & Interest {$740.00} Escrow {$190.00} Monthly Shortfall/PMI = {$1900.00} Monthly Payment With this information in hand and because of the illegal practices with the mishandling of my escrow account and misallocation of funds, I reported SPS to CFPB requesting an internal investigation. 

After the internal investigation by CFPB, SPS issued a new escrow analysis on XX/XX/XXXX which reflected a shortfall balance of {$8100.00} with this amount being spread over 12 months. 

{$1000.00} Principal and Interest {$740.00} Regular Escrow {$580.00} Shortfall/PMI = {$2300.00} Monthly Payment SPS actions are reflective of a predatory lender who is attempting to push the consumer into foreclosure. 

Their numbers are inconsistent and their practices are illegal!! 

I am requesting the following : XXXX. The immediate removal of all shortfall/PMI accounts. ( FRAUD ) ( Georgia does NOT require PMI ) with my monthly not being converted back to the amount at the time of acquisition. ( {$1600.00} ) XXXX. SPS license be revoked for fraud and predatory lending practices XXXX. SPS be subjected to a full internal investigation by the DOJ and FTC for misallocation of escrow payments, money laundering and the illegal closure of escrow accounts. 
XXXX. All fund remitted that were allocated for escrow should be fully applied to the regular escrow NOT the shortfall account. 

SPS creation of the shortfall accounts is identified as money laundering and they should prosecuted to the fullest extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Ive paid that off years ago and call the company and told them Im not using the card every again then they were still charging me XXXX XXXX  I paid my closing balance two years ago and they still saying I have this balance comenity they just closed my account without letting me sign in to my account to make the payment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, contacted TransUnion about the following negative accounts XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$5000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2400.00} ), XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1000.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you? During this COVID-19 i been diligently reviewing my credit and I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX 90 days lates. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card or prepaid card

I contacted XXXX XXXX and was told to call Well fargo to gain online access..they both said I have to wait for the bill ... NONE ARRIVED .... 
I called Wells Fargo again and they told me they sent it and I had a past due amount ... I asked if they had the correct mailing address.. 
( THEY DID NOT ) .... 
they fixed it ..took a payment over the phone and I was told there would be no late fee as it was there fault for the wrong address ... ( she even showed it was returned : ( ( ) The bill shows up today ( X/XX/17 ) that says I owe XXXX on XXXX XXXX 
i attempted to set up on line access with the Number on the invoice ... 
No problem : ) When I call Wells fargo they say they can not setup my online payment account until I pay the LATE fee from XXXX : ( XXXX bucks .... seems WRONG!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}XX/XX/XXXX # XXXX XX/XX/XXXX -- {$0.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$120.00} XX/XX/XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$3200.00} XX/XX/XXXXXX/XX/XXXX # XXXX XX/XX/XXXX -- {$600.00} XX/XX/XXXX # XXXX XX/XX/XXXX -- {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX ODE XX/XX/XXXX
Product: Credit card or prepaid card

While I traveled outside country, I rented a car in XXXX using BOA 's credit card ( BOA TRAVEL REWARDS VISA CARD, XX/XX/XXXX to XX/XX/XXXX ), rental car company withheld a credit on my card on XX/XX/XXXX and released when I returned the car on XX/XX/XXXX, then I realized that I was unreasonably charged usd {$46.00} for less than XXXX XXXX Lira charge ( it should be less then XXXX usd per market rate ), rental car company ( XXXX ) sent me letters clearly stated that only less than XXXX XXXX Lira was charged by them. BOA explain that this is because of the foreign currency exchange rate change and reject to dispute the overcharge, clearly I am treated unfairly and have been taken advantage by BOA.
Product: Mortgage

On XX/XX/2019, Quicken Loans ran an unauthorized credit inquiry in order to refinance my mortgage loan, of which I did NOT want to refinance. I was very clear that I was NOT interested in refinancing and requested that they stop calling each time that I received a call from one their associates. The phone calls were many, I would consider it harassment, especially because they proceeded with working to close the loan, of which I did NOT want to proceed. I found this out when I went to make my mortgage payment online and on my home page it listed another loan with the header : " We're Working to Close. '' I am currently trying to sell our home, we have no reason to refinance, nor did I authorize any credit Inquiry to be done by Quicken Loans. I contacted Quicken Loans immediately upon this discovery, I was told an investigation needed to be done, and it would be a few days. On that day, I spoke with a woman named XXXX, and requested that Quicken Loans retract the unauthorized Credit Inquiry immediately. Within that time, I received a packet of paperwork to proceed with the loan, this packet was sent by a person who goes by the name of XXXX XXXX, with the title of " Power Banker. '' I am devastated by the fraudulent actions of Quicken Loans, and their willingness to conduct business in such a way.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> account XXXX XXXX was blocked from my account after I ( the consumer ) provided a valid Police Report from the XXXX Police District located in XXXX, Pennsylvania. However XX/XX/year> the account was reinserted back onto my credit report without prior knowledge or documentation presented to me as to why the account reappeared and what grounds or relevant information was presented. 

This is a clear violation of my consumer rights under the FCRA : Violation of Section 611 ( a ) ( 5 ) ( B ) - Notice of Reappearance- If information previously deleted or blocked from a credit report is reinserted, the credit bureau must notify me within five business days. 

As of today, I have not received any notice of reinvestigation or valid documentation supporting the reappearance of this account. 

Violation of Section 605B- Blocking of Information Related to Identity Theft Since the account was initially blocked due to suspected Identity Theft, Section 605B mandates that such information should remain permanently blocked unless there is valid reason for its reappearance. 

I have not received any explanation from the bureau detailing any " reasonable grounds '' for reinserting this information, which I believe is a violation of my rights under this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX  - {$220.00} XXXX XXXX- {$560.00} XXXX - {$560.00} XXXX XXXX- {$660.00}
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is all new to me I have not lived at the addresses listed on my credit report. I had my ID stolen in XXXX and I was compromised again when I moved to XXXX XXXX. The following addresses are unknown please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX, XXXX, OH XXXX My name and current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I have never had this many numbers in my life please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account name XXXX XXXX XXXX Account number XXXX Account name Ohio department XXXX XXXX XXXX Account number XXXX Account name XXXX. XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account number XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions/consent.

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.

15 U.S.C 1681 ( A ) ( 3 ) look XXXX XXXX made it clear that you assumed this role I never gave you permission and you didn't exercise your grave responsibilities plus you were unfair partial and conspicuous had no respect for my right to privacy
Product: Debt collection

Purchased item at home show and then decided amount was too much and items were not a necessity. Called and cancelled but was notified item had been prepped for shipping. Never received item and notified company. Been disputing this the beginning.