23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax regarding an ongoing issue with the reporting of an account from XXXX XXXX  on my credit file. The case number for my previous complaint is XXXX. Despite providing the necessary documentation and following the guidelines set forth by the FCRA, the account in question remains on my credit report, even after Equifax 's initial response stating otherwise. 

On XX/XX/2023, I submitted a complaint to CFPB about Equifax, stating that the account from XXXX XXXX  appearing on my credit report was a result of identity theft. To support my claim, I included a detailed identity theft report and an official police report, as recommended by the relevant credit laws. My intention was to rectify this issue promptly and protect my credit profile from any further harm. 
On XX/XX/2023, I received a response from Equifax, Case # XXXX, in which they stated, " Please be advised that Trade : XXXX XXXX  is not reporting on your credit file. '' Despite this assurance, I regret to inform you that, as of XX/XX/2023, the disputed account continues to appear on my credit report under the closed accounts section. 

I urgently request a formal and complete deletion of this fraudulent account from my credit report, as previously stated by Equifax. Reporting identity theft accounts is a matter of utmost importance, and prompt resolution is essential to safeguard my financial well-being. The extended duration of over XXXX months to address this matter is deeply concerning and has caused significant distress. 

To assist you in investigating the situation, I have attached the following documents : 1. A copy of my most recent credit report, clearly showing the erroneous entry from XXXX XXXX. 
2. A copy of the police report documenting the identity theft incident.

3. The previous correspondence from Equifax, which falsely indicated that the account was not reporting.

I sincerely hope that you will take swift action to rectify this situation and ensure the immediate removal of the erroneous account from my credit file. I trust that the Consumer Financial Protection Bureau will prioritize this matter to protect consumers from the impact of identity theft on their credit histories.

Please feel free to reach out to me if you require any additional information to expedite the investigation process. I look forward to a prompt resolution to this complaint.

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX {$6900.00} XXXX {$4700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX {$10000.00} XXXX XXXX  {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}
Product: Prepaid card

Paypal credit opened a account in my name. I did not tell them to open the account. They told a company called XXXX sent them a bill and Paypal sent bill to me. Paypal is refusing to give info I need for police report. They keep sending me to other people. They will not take a fax from me with info they asked for. They will not take my info over the phone.
Product: Payday loan, title loan, or personal loan

I am not working and I owe them XXXX they are taking a XXXX membership fee and I have send a schedule stop notice along with several emails they responded and said they will not stop the membership fee until I pay my balance.
Product: Mortgage

XXXX failed to pay for my property tax in full which caused penalty, interest, court fees and title research cost at {$2100.00}. 


XX/XX/XXXX - XXXX  pays {$7100.00}. XXXX is a vendor hired by my mortgage company XXXX to pay their property tax accounts XX/XX/XXXX XXXX XXXX recalculated the XXXX taxes and added supplement amount at {$2200.00} XX/XX/XXXX - XXXX  pays {$3300.00} which is {$2200.00} plus additional {$1300.00} in penalty XX/XX/XXXX, XXXX XXXX Attorney notified me I still owe {$820.00} in court costs due/payable to the XXXX XXXX  District Clerk {$270.00} Title Research Abstract fee due/payable to XXXX XX/XX/XXXX, XXXX I called XXXX and was requested to send XXXX email, I did it on the same day but NEVER received a response Between XXXX and XXXX, I called multiple times to follow up the status, at the end they told me they are only responsible for initial tax, any adjustments afterwards should be taken care of by homeowners. However, they failed to provide any written documents, stating there is none.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 ally financial inc, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote ally financial inc a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under section 1681 ( b ) a person shall not or use or obtain a person consumer report for any reason unless-the consumer report is obtained for which the consumer is authorizedto be furnished under the section- ( 2 ) to add on i never gave this company my permissible purpose to run this unauthorized inquiry on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : Transunion Credit : XX/XX/2022 - XXXX XXXX  New Credit Inquiry XX/XX/2022 - XXXX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and Transunion and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Product: Debt collection

On XX/XX/XXXX at XXXX A collection notice was just placed on my credit report. 
I immediatley call the agency American Profit Recovery speak to representative XXXX XXXX He informs me that 5 collection notices were sent regular mail to XXXX XXXX XXXX XXXX I asked what the zip code was he did not know, then says '' it's the XXXX so it must be XXXX '' The notices were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX.He claims none of the notices were returned.i quesioned him on the zip code ... ..It did not correspond with the mailing address.Judging from his response I doubt the letters were sent.I did confirm my address he claimed the XXXX XXXX address was provided by the creditor XXXX XXXX XXXX. 
The manager XXXX XXXX intercedes admits there was a mailing error. Promised to remove the Collection from my credit report. I asked to have it removed immediatley because it will affect my credit ... I'm shopping for a mortgage. He says it will removed the next time they report. did not give me a dtae
Product: Mortgage

On XX/XX/XXXX of 2023, Roundpoint Mortgage added insurance on to my mortgage without my knowledge. In XXXX my payment was changed to reflect the fact that the cost of insurance had been added to my escrow account. I noticed the change in payment and contacted Roundpoint. I indicated to the customer service representative that I carried my own insurance and I pay my policy in full near the beginning of every year. She said that the issue would be corrected. The insurance raised my mortgage payment by nearly {$800.00} a month. I have made each payment and this month will be the XXXX  month that this issue has not been corrected. I have provided copies of my insurance policies from XXXX XXXX XXXX multiple times at this point and each policy indicates that it was paid in full at the beginning of the policy period and that I have carried insurance full the full duration that Roundpoint has been servicing the loan. I highlight that because there is no possibility that my insurance was cancelled for any reason during that period. Each month they say it's going to be handled and yet there is nothing that has been done. Even as I'm on the phone with the company at this very moment the representative is telling me the same thing that I have been told for approximately the last XXXX  months.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX.
Product: Checking or savings account

I received a statement from BMO Bank of NA saying I had a checking account with XXXX balance. I NEVER opened an account with this company. Not only that but I was told there were 2 accounts opened. The XXXX acct is XXXX. The XXXX acct is XXXX. XXXX was opened XX/XX/23 the other XX/XX/23. They had an email on file of XXXX and a phone XXXX XXXX XXXXXXXX. I was told that the accounts were frozen because someone tried to use it without funds in the account. I asked for a copy of the original application from 2 different people at the bank and was told they couldn't do that. Why not if this is supposedly my account? How did this bank open an account without my authorization? I want it closed out immediately! They told me I have to call back and talk to their fraud department. What kind of bank doesn't have a 24 hour fraud department?
Product: Credit card

I purchased a necklace : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Macys for {$160.00} plus taxes using my Macys store credit card on XX/XX/XXXX as a XXXX present for my son. In the following four weeks, the necklace turned brown. The website description states that the necklace is 14k gold over sterling silver. Gold and silver do not turn brown. When the necklace turned brown, it also turned my sons neck green where it sat on his skin. I contacted Macys and explained the situation and they approved the return for a full refund and issued me a prepaid return shipping label. The item was shipped back to Macys on XX/XX/XXXX and on XX/XX/XXXX, Macys shipped the necklace back to me. I called the store back and they apologized and reissued me a new prepaid return shipping label and said they made notes on my account to accept the returned necklace and issue me a full refund back to my Macys credit card. However, on XX/XX/XXXX, Macys shipped the necklace back to me again but under a different customers name. I do not recognize the name in which the package was under. I called Macys again and spoke with one representative and two different managers who stated that Macys should have never accepted the return because it was returned after XX/XX/XXXX. Even though two other customer service representatives approved the return, that it did not matter because they updated their return policies and were no longer accepting these returns and the other representatives would be educated to the new policies to avoid further misinformation. I explained that the website has the item listed as 14k gold and sterling silver, but the item is not either of these metals. They denied the return. After this, I reviewed the description again on the Macys website and learned that this has been an ongoing problem for many other customers purchasing the same product and Macys denied them as well.
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

Dispute the inaccurate and wrongful reporting of two specific charge-offs related to my accounts with XXXX XXXX XXXX . I am requesting the immediate removal and deletion of these accounts from my credit report, as they contain erroneous information and violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( 5 ) ( A ). 
Upon investigation, XXXX XXXX XXXX  admitted to billing my accounts incorrectly with additional fees and erroneously charged off the accounts, which were then sent to collections in error. These actions occurred while I was awaiting the results of a prior investigation that I initiated with the XXXX XXXX XXXX  fraud department regarding unrecognizable charges on my accounts. 
Attached to this letter are two written confirmations from XXXX XXXX XXXX, which acknowledge the errors they made : Letter dated XX/XX/XXXX2024, for the account ending in XXXX Letter dated XX/XX/XXXX2024, for the account ending in XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my 0 % balance transfer promotion ends. 
According to Credit Card Act XXXX Section 164 B.2 Two months prior to promotion expiring, excess payment over minimum is applied to balance on which interest is deferred. 
XX/XX/XXXX I made an autopay of XXXX ( minimum ) XX/XX/XXXX I made an additional payment of XXXX intended to be applied to the promo balance 0 % that expires XX/XX/XXXX. It was not applied to that balance. 
XX/XX/XXXX I contact Citi customer service and ask for that payment to be allocated to expiring promotion in accordance with this section of regulation. I was told we understand but our system has no way of adjusting that. 
Im wondering how many people are being left with an unexpected interest charge due to this noncompliance.
Product: Mortgage

I have 3 mortgage with the original company that was XXXX, then it became gmac. Because my mortgages use to be auto debit from my bank account I had no awareness that GMAC became bankrupt. Apparently ocwen took over my mortgages and then they claim i was not paying my loans since XX/XX/XXXX even though there were withdrawals from my account. So I notice in XX/XX/XXXX that my auto debit stop debiting my account. Since XX/XX/XXXX i have been on the phone with ocwen every few weeks to try to recetify this matter. Unitl today i have sent numerous emails. faxes and phone calls speaking with the relationship managers and sending in paper work non stop. The major part that makes me angry is at times they say they receive the documents. and then later they say its not there and have to send again. How is it possible that in the same email they only receive part of the attachemnt and not the other part. Their excuses are endless. I ask if i can make some payment to my mortgages and they said its better not to until the whole thing is resolved. They have also indicated many times that as long as i am in this process of trying to resolve this matter with ocwen, that my properties will not be forclosed. And now i find out that they went ahead and will forclose my properties without my knowledge. The worse part of all is now i find out that XXXX XXXX XXXX XXXX is now trying to take me to court because apparently they are now the holders of my mortgage. I dont understand why for since XX/XX/XXXX that Ocwen at no point told me that they are not the holder of my mortgage but XXXX XXXX XXXX is. So now im really confused with who im suppose to deal with. I have owned my properties since XX/XX/XXXX and now i '' m in jeopardy of losing all my properties because i have no clue who i 'm suppose to deal with and how ocwen is not able to fix my mortgage modifications. It has been way too long and still no solution except i 'm at high risk to lose everything. The worse part is ocwen said that the interest that keeps accumulating will not be accounted for once the modifications go thru but apparently i have been advise wrongly by all ocwen representatives because behind my back they are proceeding with the foreclosure without my knowledge. I need help. Please help me in resolving this matter. I want to continue to own my properties and i can make the payments however i 'm not ready to pay for all this interest and late fee accumulations that ocwen has mislead me into this mess. i am completely exhausted dealing with ocwen as everytime i call they keep changing my relationship manager, and each relationship manager continues to ask for the same documents over and over ... ... I need a solution to have a mortgage on a proper way, however im not prepared to pay for all this interest and late fees that ocwen have driven me to because they told me not to make any payments til my mortgage modifications are resolved. i need a resolution asap especially who do i deal with ... is it ocwen, or gmac, or XXXX XXXX XXXX like whose the holder of my mortgage notes.
Product: Credit reporting or other personal consumer reports

Im filing a complaint Because my creditor is Reporting late payments on my report # XXXX and last SSN XXXX that are incorrect and not properly Verified I have Disputed this Directly with the credit Bureau and the furniture, but the late payments Remain without proper Validations. Or Documentations. Under 15USC 1681s2 A furniture must report Accurate information under 15USC 1681i the cradit bureau must perform a Reasonable investigation within 30 Days Nether of them have provided sufficient Evidence to support the negative reporting.

According to 15 USC 1692c. My Rights had Violated Lawful communications please Remove this collection off of my credit.
Product: Mortgage

well I called my Mortgage company to see why my monthly mortgage payment has increased from XXXX to XXXX they said it was because I needed a certain amount of money in my escrow so they put money in their for me with the money they got back from my old Mortgage insurance company. When they dropped me. This is not true. Because when I called safe point insurance company they said nobody from XXXX ever contacted them. 
But it was me that decided not to continue my mortgage company insurance with safe point. The forced insurance enforced by XXXX is XXXX annually. divided between 12 months. first when the first enforced the insurance the Mortgage bill only increased to XXXX. The Amount that XXXX Employee XXXX Employee number XXXX gave me was XXXX. She said they sent this amount to XXXX XXXX   XXXX XXXX. and safe point insurance company sent them back XXXX as a refund. Safe point insurance company said they never received a dime from XXXX. Another complaint I have is that they changed my original due date due by XX/XX/XXXX to due by XX/XX/XXXX. They told me my original agreement would not change. They also reported the wrong amount due on mortgage to credit bureau. the stated i oue XXXX when on the statement I oue XXXX
Product: Debt collection

Asset Recovery Solutions has called my parents home : XX/XX/2018 Asset Recovery Solutions has called my job : XX/XX/2018 XX/XX/2018 XX/XX/2018 Asset Recovery Solutions has called my cell phone : XX/XX/2018 XX/XX/2018 XX/XX/2018 2018
Product: Credit card

Anything that has been opened in my name with my social was opened Fraudulent please delete
Product: Debt collection

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Please send direct information on respond no stall letters please. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.
Product: Mortgage

I received a letter stating that Select Portfolio Servicing , Inc. has received my authorization for automatic monthly payment withdrawal from my bank account. I never gave authorization for automatic payments.