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

I am sending to notify you that I have been a victim of identity theft. Under section 605b of the Fair Credit Reporting Act ( FCRA ), you are obligated to remove any items associated with an identity theft report. I have included the necessary documentation to support the removal of the incorrect information currently listed on my credit report. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX And TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX Balance Owed : {$640.00}.
Product: Checking or savings account

I tried multiple times both on online chat and telephone calls with customer service, they still keep the account open and send me statement of fees. 

Account number is : XXXX
Product: Consumer Loan

In 2009 my grandmother passed away, and I was given her car. I had purchased a car not too long before my grandmother had passed. I called the bank that I had a car loan with and explained my situation. I wanted to see what my options were. I asked them if it would be possible to return the car? I remember the person that I spoke with was really nice and he said that it would n't be a problem. I asked if anything would happen to my credit and he said, " No, since it would be a voluntary return of a car they would just resell it. '' I waited a little over a month before someone came an picked up the vehicle. I thought everything was ok and so I went on with my daily life. About a month later my car from my grandmother was running right and so I decided to sell it and use that money to purchase a new car. I wanted something reliable for myself and my daughter. At the dealership, they ran my credit. The loan agent said that I had a repossession on my credit and that I would have to put more down or have a really high interest rate ( 27 % ). I told him that something must have been wrong because I never had anything taken from me. He that the last car that I had was repossessed. I was getting frustrated because I did n't know at the time that voluntary repossession and a repossession is all the same thing. I explained to him what had happened. He said that we was n't surprised that this had happened to me. He has heard of banks doing this to several of people. I was young and very inexperience when it came to my credit and finances and just did n't know. I told the lender that I had a job and been working for several years. I could have kept the car and continued making my payments and had I known that my credit would be affected I would have kept the car or tried to sell it. The lender worked out a loan for me, but my interest rate was pretty high and almost 7 years later I am still dealing with this. My husband and I are trying to purchase a house give our children something we did n't have. This mistake has been haunting us for so long. The repossession is the first thing that pops up on my credit report and the banks do n't want to help us ... until now. We found a lender that is will to work with us if we are able to have this repossession move to the bottom of my credit report. I 'm praying for some grace! I 'm much older now and wiser. I 've been teaching my oldest daughter about credit and finances and how important it is to read and search on things before you sign anything. Do your research before you agree to anything. A very hard lesson I had to learn, but I learned it.
Product: Mortgage

I am have the power of attorney on my mom 's finances and due to her health issues she has fallen behind in her property taxes. We have been working with her reverse mortgage company Wells Fargo. In XXXX of last year they paid the delinquent taxes and contacted me. my first contact with them was fine. They said to pay back what you can to reduce the amount. We began paying them and the following XXXX, I was contacted by a new agent there who said that they could put my mother on a payment plan but needed to know her budget and expenses. She was to contact me the following day so I tried to contact her and could not. During the months of XXXX and XXXX, I made multiple attempts to contact her or anyone at the call center. Anyone else that I spoke with said that I would need to talk to my assigned agent. She finally contacts me in XXXX stating that they paid the taxes again and now my mom owes double the amount. She also stated that because of the amount due, we can not put her on a repayment plan. We would have to come up with the full amount or HUD will foreclose on the home. This for a balance of {$3500.00}. We have continued to contact them but they do not return calls nor do they seem willing to answer questions. We are reaching a point of frustration and will continue to call but we are afraid that my mom will lose her home and be placed in a long term care facility. We are prepared to send them a {$1500.00} payment in XXXX but we are not sure if the house will foreclose, if so, we do not want to give them that money. Mom just has Social Security and has no additional assets. Wells Fargo does not seem to want to help us in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent inquiries were not made by me : XXXX XXXX XXXX XX/XX/ XXXX XX/XX/ XXXX XX/XX/ XXXX XXXX XX/XX/ XXXXXX/XX/2023 XXXX XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to IC SYSTEMS INC and requested they only contact me by mail. 
The only response provided from the debt buyer is an invoice sent on XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. The account was originally closed with the original creditor verbally on XX/XX/XXXX due to the sale then eventual death of the pet seen by XXXX XXXX XXXX. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by IC SYSTEMS INC regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection bill was sent to an address I have never lived at. It was for something I had never received nor signed up for. When I called the debt collector on the bill XXXX XXXX XXXX ( XXXX XXXX XXXX is the name on the credit report ) all they would tell me is that it was for magazines through XXXX XXXX and that I needed to pay the {$910.00}. I told them I never received any magazines and never signed up for any, and in fact I never even saw a bill for any until this one, that my mother received at her new home which I never lived in ( not to mention I haven't lived in the city they sent it to in over ten years ) and that this was a scam. The Collection agent told me it was a not scam and that it is on my credit and it has to be paid. I can't fathom paying something I have nothing to do with. This is a SCAM, it is FRAUD. They should not be able to do this to people. They have provided zero proof that I ever was involved in whatever fabrication is being made up. At this time I don't know if I need to get an attorney or what the next steps should be to get this removed from my credit, because I refuse to pay something that is fraudulent. 

I disputed with Experian, they said they investigated and it remains but provided no proof or details on what the investigation entailed. They said I can file a complaint with this agency as my next step. I am asking for guidance and help to overcome the fraud being manipulated on me and my family.
Product: Credit card

I was charged a {$40.00} Late Fee on XX/XX/year>. 

It is my understanding that the maximum late fee is {$8.00} as of XX/XX/year>. 
This information can be found on your website ( CFPB ) here : XXXX XXXX XXXXXXXX I disputed the late fee amount via chat but was told I had to submit a claim via snail mail. Not only is the amount incorrect but they are limiting the claim process by not providing an electronic claim option. It is obviously an anti-consumer-friendly practice to limit the only solution to filing a claim to send a letter through the mail and not provide an email address or online form to submit a claim. 

I want to file two complaints. 
The first is the violation of the {$8.00} maximum amount by charging {$40.00}. 
The second is the anti-consumer-friendly process to file claims against American Express by snail mail only.
Product: Consumer Loan

Here is my issue : My automobile loan was with First Niagara. I never had any issues. The service was great! First Niagara was then bought out by KeyBank. Since KeyBank has taken over my auto loan, I have had nothing but issues. 

Through my bank 's Bill Pay ( XXXX ) I have set up to make my monthly payments to KeyBank. For each of the last three or four months, KeyBank refuses to accept my payment. I then am forced to call KeyBank and when I try to explain my issue, I get hung up on. I have to call back one or two more times to get someone that will not hang up on me. I am then forced to make a payment over the phone, in which KeyBank charges convenience fees for. 

Each time I call, I then find out that there are late fees on my account. Mind you, each month I call and explain the issue, I am told that the fees will be waived. Last month when I called, KeyBank told me the issue was that I had the wrong address for their company. This is the same PO Box that KeyBank had given to me. So I changed the PO Box to what their service representative told me the address should be. I look yesterday at my bank account and see that the payment has been returned again this month. 

I am tired of the games with KeyBank. I am the XXXX and I pay my bills religiously. Please help me. I am also apparently not the only one that is having issues with KeyBank : XXXX I would love to discuss this with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was paid. Complaint against XXXX XXXX, The school falsely advertised XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX was never accredited that type of XXXX, instead midway through, the cirrocumulus was changed to XXXX XXXX XXXX ...
Product: Credit reporting

TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?
Product: Mortgage

On XX/XX/2023 I noticed the deduction from my checking account was increased by {$2300.00}. I called Flagstar bank and was told my insurance was cancelled in XX/XX/2023. The policy was issued in XX/XX/2023 and paid through my escrow at the bank. I called the insurance company, XXXX, and was told I did not respond to a letter to schedule a home inspection. The letter was mailed to an incorrect mailing address, thus I never received it. They had my phone number and email but did not use either to contact me. So the bank took out a homeowners policy for over {$13000.00}. They used escrow funds and 6 days later returned the funds to my escrow all without my knowledge. I live in Connecticut at XXXX XXXX XXXX XXXX. XXXX, Ct. The bank mailed information to me at : XXXX XXXX XXXX XXXX XXXX XXXX, Ct They used part of my Connecticut address and part XXXX, Ma address so nothing was ever received. I would suspect it was returned to Flagstar which should have triggered a different contact method but did not. 
On XX/XX/2023, after speaking with Flagstar bank, I immediately found and secured a new homeowners insurance with an annual premium of {$3100.00}. My previous policy with XXXX was approximately {$2800.00} per year. After numerous hours on the phone with Flagstar I was told the excess withheld on XX/XX/XXXX would be placed in escrow and a check mailed to me for {$820.00}. I asked if anything else was necessary and was told no and the matter was resolved. However, I received a letter from Flagstar dated XX/XX/2023 stating that an insurance charge of {$3600.00} would be charged to my escrow account for the lapse in insurance for approximately 4 months. This amounts to more than my current annual premium. In fact, it showed it was paid on XX/XX/XXXX. I did not approve this and am not willing to be incorrectly charged due to their error The resolution I am willing to propose is to pay a portion of the previous policy premium for the time the policy was not in force. This amounts to approximately {$930.00} or 4 months premium. I can be reached by email or cell phone at XXXX. 

Flagstar Bank XXXXXXXX XXXX XXXXXXXX XXXX, oh XXXX XXXX XXXX I can provide copies of correspondence if needed. 


XXXX XXXX XXXX
Product: Mortgage

In XXXX I opted into a biweekly payment plan with Ocwen, and made my payments under the belief that I was paying down my mortgage with a thirteenth payment. In XX/XX/XXXX I made a payment at the beginning of the month, and I was in a automatic debit program with Ocwen. After the first payment in XXXX I noticed none of my payments were being withdrawn from my account and contacted Ocwen on XXXX XX/XX/XXXX to enquire why my payments were not being debited. Upon speaking to the representative he stated that the automatic debit system was down and stated that I could not make a payment until XX/XX/XXXX. In XXXX I made a mortgage payment and waited for Ocwen to request the back mortgage owed, I was afraid if I made the two payments they would just go to principle and I would still owe the 2 back payments. Around Spring of XXXX I received a call from Ocwen where the female representative stated that I qualified for help from a Maryland Agreement, and I was afraid they were foreclosing from my missing two payments, but after discussing reducing my principle the representative stated " Oh this is a VA mortgage, you don't qualify '' then she hung up. In the Fall of XXXX I received a letter asking me to opt into a review of my accounts with Ocwen, and I agreed hoping whatever happened in XXXX thru XXXX of XXXX would be revealed and I could find out what happened, I was afraid at this point they had just extended my mortgage 2 months. I recently called them after a year had passed and I never heard what happened to my mortgage review and now I know what they did, they cut off the automatic debit on XXXX XX/XX/XXXX and used my two years of biweekly payments to cover the two months the system was supposedly down so that I could accrue extra interest for those two years, and when I asked them why offer the biweekly payment plan if they weren't going to credit it to the account the representative said it was there so I could pay ahead on my mortgage ... .that is not how the product was sold to me. So to sum it up, they cut off debit, lied to me just to steal two years of principal off my account.
Product: Credit reporting or other personal consumer reports

Wrong addresses are reporting on my credit profile. 

my date of birth is also listed incorrectly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was contacted in XXXX of XXXX to inform them of a fraudulent account. They performed an investigation and stated that they are holding me liable to this account. 

XXXX XX/XX/XXXX I contacted XXXX XXXXXXXX again and they were rude and dismissive refusing to provide details as to have they came to their conclusion in the investigation and told me once again they would be holding me accountable. I explained that I would be pursuing this in court and that u didnt think it was necessary. I had hoped to resolve this without litigation.
Product: Credit card

Please review the attached documents. I request the bureau to begin an investigation into these accounts, which I am consistently on time for, but are inaccurately reported as late.
Product: Credit card or prepaid card

Balance of {$5600.00} was charged to card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX, even after XXXX order was cancelled. No work was done. Nothing is due.Card was cancelled and closed by phone call to Wells Fargo Bank at same time. Card was issued by Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Card Account Number XXXX. 
Wells Fargo Bank Phone Number XXXX Nothing is due. No work was done.
Product: Debt collection

XXXX sold a Charged off Debt to Portfolio Collection Company. Portfolio is trying to Collect XXXX $ more then the debt owed. This is False This is Fraud. This is against FCRA this is illegal. I demand that this account and all other accounts be verified with my signature on the original contract be presented and the amount owed. Or Delete them immediately. I will follow suit. 
Thank you. XXXX XXXX
Product: Mortgage

Dear CFPB, IM writing this letter because I'm afraid and exhausted of dealing with ESSEX Mortgage. It is now over 6 months since i applied for a loan modification on my loan ( loan # XXXX ) since then ESSEX Mortgage keeps telling me someone is reviewing my application and after a few weeks. 
ESSEX Mortgage tells me they lost the application and i need to re apply all over again. I am very frustrated since today i spoke to XXXX from the Loss Mitigation department and she told me they lost my loan modification and since they dont have it on file ill need to apply all over again. 
It didnt make sense so i requested for her supervisor and she hang up the call. However right before XXXX hang up the call she told me ill never get a loan modification on my account because i dont deserve it. 

Please help this is unacceptable ESSEX Mortgage/LOSS mitigation dept keeps doing this to me. 

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

* 'XXXX XXXX XXXX ' advertised an offer and i signed for, but it was a false advertisement. They were offering a XXXX  loan and the payback was over 30,000. Therefore i think they have to remove the hard inquiries for false advertisement. 

XXXX Capital one sent me letter of pre-approval for car refinance, and i ended up with Hard inquiry. 

* I do not remember much about the XXXX XXXX XXXX I only do not want those inquiries last any longer on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair rights reporting act : XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX Bank account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX XXXX XXXX the consumer, has contacted Experian numerous times about the inaccuracies found on his consumer report. Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). Multiple Credit reporting agencies have deleted the same accounts in question ( see attached file ). Im demanding Experian show me the verification method used to determine the completeness & accuracy of the following accounts that have been deleted from other consumer reporting agencies. ( see attached file ).