23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX 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 an 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

Submitting this CFPB Complaint will already be my 4th CFPB complaint requesting the removal of the Fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. However, upon reviewing my updated Credit Report, it can not be just be overlooked since the Credit Reporting Agencies have failed to completely eradicate the disputed items from my Credit File. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they immediately remove the disputed items from my Credit File. Also, the Credit Reporting Agencies have failed to send me copies of proof of verification or proof of ownership with the disputed items. I have been requesting these documents since last month and yet the Credit Bureaus have sent me nothing. Please have the following items removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith XXXX just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
Product: Credit card or prepaid card

XXXX wrong or you close this account discount was in good standing and it was funded by the capital of any machines located in the lobby of the offices downtown XXXX XXXX and also from our business checking and our personal checking account bill is always on time then there's a second account that I found out someone else opened under I think I have my name or the business name which is fraudulent and it has a unusual user name this card shut immediately after I made a payment and they've been very misleading about the circumstances about why they close the account I tried to mention the situation having having not been successful. My fianc and I are just looking to get the card back for our business and we're just hoping for consistency we're not looking for anything more than that
Product: Mortgage

I had a mortgage with First Citizens and made a payment of XXXX and came to find out that they had foreclosed on my house. I called the bank and was told that I would get that money back because they could n't accept a payment when it was foreclosed on. I have waited for 6 months and have n't gotten anything back from them and I want my money back. I do n't understand how they could take my money and it being in foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against AMERICAN EXPRESS.The reason for this complaint is that 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 authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Product: Checking or savings account

On XX/XX/XXXX, I've opened checking account at TD BANK, XXXX XXXX, NJ XXXX branch. I was told and they gave me paper stating that if I deposit {$500.00} in 60 days, I will get {$200.00} bonus. I've made more than {$500.00} deposit within 60 days. But I did not get bonus. Then I've sent multiple emails and got multiple answers. One of them stated that, THE LASTEST THE CREDIT APPLY IS XX/XX/XXXX. I did not get bonus. On XX/XX/XXXX, I visited XXXX XXXX, NJ XXXX and was told she sent email, I will hear in 5 days from her. It was lie as well. I tried to reach out by phone, they have hanged up few times, and on XXXX, XXXX phone conversation I was told they submitted claim, will hear them by Thursday, it was lie too. I told them I will file complaint with federal agency, banker laughed at me and told me GOOD LUCK WITH YOUR COMPLAINT. I hope you will help me solve my issue. Banks are modern day robbers. These days they became even more brazen. I still hope the US is not XXXX XXXX, it has institutions who can oversee bank 's illegal practices. 

XXXX XXXX
Product: Mortgage

Since my loan transferred to SPS in XXXX of XXXX I noticed my Taxes had not been paid ( which I brought to their attention on Friday XX/XX/XXXX and sent the tax bill on the same date ) I started to do some digging on what escrow balance had transferred and noticed that SPS had loaded the wrong balance in my escrow account. I have called in multiple times after my initial call on Friday XX/XX/XXXX and have yet to obtain resolution. 

When my new loan was originated on XX/XX/XXXX I had to deposit {$13000.00} into the escrow account, I then made my XXXX and XXXX mortgage payments, which included an escrow payment each month of {$1500.00} resulting in an escrow balance of {$16000.00} as of XX/XX/XXXX. When my loan transferred to SPS on XX/XX/XXXX the escrow balance they were showing was {$13000.00} the original balance I had at closing and did not account for the two payments of {$1500.00} on XX/XX/XXXX and XX/XX/XXXX. 

I have provided SPS with the payment history from Loan Stream mortgage ( my previous servicer ), the statement sent to me from SPS referencing the improper escrow balance and my XXXX XXXX Tax bill that was due Wednesday XX/XX/XXXX. I have two requests of SPS - 1. Please pay my county taxes to XXXX XXXX in the amount of {$12000.00} that were due by XX/XX/XXXX In addition SPS needs to pay the late fees incurred due to their non-payment 2. Please balance my escrow account and get the proper balance loaded to my escrow account as they are currently missing over {$3000.00} Please feel free to contact me at XXXX with any questions or concerns.
Product: Credit card or prepaid card

i opened this account and went through XXXX had to send bank statement ss card and id finally got approved with a XXXX limit, well i went to go use card today and they denied my purchase and froze my account with out notifiing me against the fcra rules then she told me use another form of payment was so embarrasing, first they discrimate against me with a XXXX $ limit now they froze my accoutn bc im XXXX and XXXX, this bank is XXXX needs to be investagated
Product: Credit card or prepaid card

I was supposed to go on A trip to a XXXX and XXXX this summer. All flights were cancelled by the carrier and I disputed the charge because the flight had been cancelled. 
Capital One, The credit card company closed the dispute finding no resolution and never mailed me stating that they wouldnt proceed after I gave them the additional information they requested. 
I was charged {$640.00} for a flight that was cancelled and was never given any response by the company.
Product: Debt collection

XXXX    XXXX    XXXX  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.   XXXX      XXXX    XXXX  are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report several auto loan places showed up on it last year which prevented me from renting a XXXX XXXX  XXXX XXXX I had submitted info to both the company and XXXX and nothing was done and no response and I requested a response and proof of my signature. 


Auto Financing Companies Contact info Ally Financial Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit card or prepaid card

inquiries stil on my re [ ort after 2 years
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies, XX/XX/XXXX XX/XX/XXXX and Equifax are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XX/XX/XXXX reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.
Product: Credit card or prepaid card

XXXX : credit card XXXX ( closed ) There was an issue with TD Bank reporting an incorrect balance due, which was supposed to have been resolved through CFPB complaint # XXXX, per a letter from XXXX XXXX dated XXXX XXXX 2020. 

However, it has been XXXX months, and the negative information still has not been removed from my credit report, and my credit score still shows about 670, when it should be about 800, and was about 800 before TD reported false information. 

Please report to ALL credit bureaus that I do NOT owe TD Bank anything, and there were NO late or unpaid amounts. As TD said they'd do months ago.
Product: Credit card

I need help with a dispute with concert tickets Im trying to dispute concert tickets and my credit card company sent me a letter with this Please provide a written letter of support from a merchant providing the same type of service, on their letterhead, dated and signed, supporting your claim that the service was of poor quality..The letter should concur with the dollar amount you are disputing. How the XXXX am I suppose to get another ticket company to write me a letter of support if they all have the same rules most likely? I tried to email all different ticket services and they were all bot responses. So I dont know what to do. Just for reference I went to a XXXX XXXX XXXX concert the concert was scheduled for 3 hours but due to unforeseen circumstances it lasted 40 minutes while I waited drenched in sweat by the heat. I disputed these tickets under not satisfied by service. However my credit card company said I must get a letter from a different merchant in my favor which is virtually impossible.

The event was advertised as a three-hour performance starting at XXXX XXXX. However, due to a delay announced by the event organizers, XXXX XXXX XXXX did not take the stage until XXXX XXXX, resulting in a significantly shortened performance lasting only 40 minutes, ending at XXXX XXXX. 
While I understand that delays can occur due to unforeseen weather conditions, it is my contention that if the show had started at its scheduled time of XXXX XXXX, XXXX XXXX XXXX would have been able to perform for at least two hours before the thunderstorm. Instead, the delay of three hours caused significant inconvenience and discomfort, as I had to wait in hot and humid conditions with no clear communication from the event organizers about the length of the delay. 
As a paying customer, I feel that I did not receive the service that was advertised and paid for. The tickets were explicitly purchased for a three-hour show, not a three-hour delay followed by a brief 40-minute performance. This significant deviation from the expected service constitutes a failure to deliver the product as advertised.

In light of the above circumstances, I requested a full refund of {$440.00} to be credited back to my account.
Product: Credit reporting or other personal consumer reports

I recently look at a copy of my credit report and noticed several inaccuracies on multiple accounts these accounts are hurting my ability obtain credit. It is my understanding that you will investigate these items for me to assure accuracy. Below are the items Im asking you to verify as accurate. 

XXXX XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MICROBILT and XXXX have been and are reporting inaccurate information on my credit report. MICROBILT and XXXX have been and are reporting hard inquiry without verifiable proof of my consents. MICROBILT and XXXX have been and are reporting the hard inquiry as inaccurate information without verifiable proof. As a result, there is no permissible purpose of putting the hard inquiry on my credit report. I sent certified mails to both XXXX and MICROBILT asking about the permissible purpose of the hard inquiry and verifiable proof of the inaccurate information. I waited more than 30 days to have the verifiable proof from XXXX and MICROBILT of their inaccurate information and I didnt receive it from all of them. Since neither XXXX nor MICROBILT have verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a )  the following hard inquiry should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to MICROBILT on XX/XX/XXXX : XXXX.The following hard inquiry which should be deleted immediately is : Creditor Name : XXXX XXXX XXXX via MICROBILT Date : XX/XX/XXXX
Product: Student loan

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.
Product: Mortgage

My mortgage loan has been transferred to Bayview Loan Servicing and they have added a force placed escrow account to my monthly mortgage bill, even though I have been current on my insurance and property tax payments. Despite multiple attempts to straighten this out with Bayview, I have made no progress and this additional fee is part of my monthly statement which has caused major financial hardship for me. This is especially worrisome because my mortgage payment is scheduled to adjust next month with my payment increasing over {$1400.00} a month. I have called in to Bayview about this problem as well and they have said that they will possibly work with me, but based on my experience with them for the escrow issue I ca n't believe them. 

This problem began when I went to the county property tax assessor and challenged the value for my property. I opened up a dialogue with the assessor and presented him evidence that my property value was significantly lower than the amount assessed. The assessor AGREED with me but needed documentation and proof and needed the information to be processed through their system. As a result, I paid my property taxes based on the ESTIMATED tax that was going to be owed after the assessor processed my appeal of value paperwork. The county was fine with that as was I, but for some reason Bayview decided to step in and pay the original bill owed FOR ME, even though an appeal review was in process. Bayview believed I was avoiding paying my taxes and without any consultation added a forced monthly escrow charge to my bill. This has started a financial problem for me as I budget to pay my escrow twice a year, instead of being charged every month. 

My current mortgage payment is {$1900.00} a month ; this is due to a step modification that I received back in XXXX when my loan was with XXXX. I have made all payments on time, but the interest rate is now going up to 4.625 % and my payment is increasing to {$3300.00} a month ( not counting that additional escrow that Bayview has tacked on! ). I am still a small business owner ( I own a XXXX ) and business has never really rebounded after the recession in XXXX. I am able to make a decent living but have had to take on boarders in order to make ends meet. I am grateful that I received a modification back in XXXX but need Bayview to work with me to help me keep my home -- I have proven if given an affordable payment I will make it on time each month. 

I will not be able to survive the impending increase in rate and payment as well as the additional escrow fees Bayview is saddling me with. I am concerned that they just do n't care about their clients based on the way they have handled my escrow account
Product: Credit reporting or other personal consumer reports

XXXX/Sunbit has reported my account as 30 days past due in the amount of {$31.00} this is totally incorrect I am not past due and this account has been paid in before 30 days hit. If the 30 days mark is not removed from my credit file I will see council from my attorney. Im not sure where Sunbit is getting this information from and I dont know why XXXX allowed this company to report incorrect information to my credit file. At this moment XXXX is responsible for this inaccurate information as well and will be held accountable if the 30 day past due is not removed the amount of {$31.00} showing past due. I will never do business with TAB/Sunbit due to this inaccurate reporting and will post blogs and reviews on this company if not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit XXXX XXXX bank is stating that I owe XXXX this information is false XXXXXXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX  is stating that I owed XXXX this information is false
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 12 credit inquiries on my report that have expired as of XX/XX/20 & they have not been removed from my credit report???
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I notified Transunion, XXXX, and XXXX XXXX that I was a victim of identity theft via certified mail and as of today XX/XX/2023 Transunion, XXXX, and XXXX continues to report information that resulted from the identity theft. Section XXXX, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX and XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Mortgage

I have asked Cash Call on several occasions now to refrain from contacting me at work. They called again today, and this is not acceptable.