23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX CFPB Complaint XXXX Issue has not been resolved Response to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX dated XX/XX/XXXX and disagree in several areas. 

In XXXX I became aware I was personally responsible for procuring XXXX XXXX XXXX for XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. I promptly obtained XXXX XXXX XXXX XXXX XX/XX/XXXX. Attached are the XXXX declaration pages for XXXX and XXXX ( XXXX  XXXX ). I had flood insurance in place and uploaded this insurance info to www.mycoverageinfo.com. I have always been in compliance with flood insurance requirements. 

Loancare website shows I currently owe {$1200.00} for XX/XX/XXXX as of today XX/XX/XXXX ( XXXX  XXXX ). I dont agree with their accounting. My XX/XX/XXXX mortgage payment, like every mortgage payment to Loancare since they became the servicer, was made electronically by XXXX XXXX. Attached ( XXXX  XXXX ) is confirmation from XXXX XXXX  that the payment in the amount of {$1200.00} on XX/XX/XXXX. 

I am an accountant and manage my finances with XXXX. Attached ( XXXX  XXXX ) is a report showing every payment I made to Loancare since XX/XX/XXXX. Per my records, my account is current and paid in full through XX/XX/XXXX. Should Loancare take exception to any of the payments shown on the report, please advise and I will obtain documentation from XXXX XXXX  that the payment was made. 

XXXX XXXX advised that Loancare refunded me {$510.00} via a mailed check. My position is I am not due a refund ; I will not cash the check. Please cancel the check and apply it to my account. I ask that Loancare Audit my account to validate all my payments, since XX/XX/XXXX, were applied currently. Ive paid every mortgage payment on time and can prove it with documentation from XXXX XXXX. 

XXXX XXXX also states that We regret to an oversight. I take exception that there was any oversight in this matter. Prior to filing this complaint with the CFPB, I attempted to resolve this matter directly with Loancare Customer Service. I was advised that the Customer Service person could not open a case to investigate this matter. She directed me to email XXXX which I did without any resolution. 

From my viewpoint, Loancare doesnt provide enough training and resources to sufficiently manage the loans, they have a fiduciary reasonability to manage. Loancares inability to resolve this matter in a timely manner, and falsely reporting delinquency to the credit bureaus has damaged both my and my wifes financial reputation.
Product: Checking or savings account

I have held a XXXX  personal, savings and business and XXXX account as well as a personal checking and savings as well as a XXXX XXXX XXXX XXXXXXXX account with well Fargo and made many deposits and transfers as well as a XXXX account and yet they closed my accounts due to overdraft payments and withdrawals that I spoke to them about that I did not make or was unaware of and was told it would be handled then they closed all accounts which I cant do nothing with for some odd reason and I cant access anything about my personal account
Product: Checking or savings account

XX/XX/2022 {$120.00} Chime refuses to do anything. Ive put XXXX appeals in. 

There is thousands of people with the same issues.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ) I was never late on this account listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

+ Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 7/23 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Checking or savings account

On XX/XX/18 someone between XXXX and XXXX completed 4 unauthorized ATM withdraws from Chase Bank in the amount of XXXX each. 
( {$800.00} [ {$810.00} w/fees ] ) On XX/XX/18 I filed a police report with officer XXXX XXXX of XXXX XXXX Police Department at XXXX. 
He asked Chase security for the footage so he could apprehend the thieves. They refused to provide the footage and my bank ( XXXXXXXX XXXX XXXX ) refuses to refund me the money without the video footage.
Product: Credit card or prepaid card

I have an account with Syncrony bank that is connected to my Amazon account. They issue credit for purchases on Amazon.com I filed a dispute with them regarding a broken product that I had recieved and ended up loosing the dispute. They had pre credited my account for the amount disputed. I ended up loosing my dispute, and they Re-instated the charge back twice. I have attached the statement in which is shows the Re-instatment twice. Once on XX/XX/2022, For the amount of XXXX under " Amazon XXXX XXXX XXXXXXXX XXXX and once on XX/XX/2022, for the same amount of XXXX under " XXXX '' as the description. 

I have called them multiple times, spoke to multiple people. It has been months of fighting this battle. I have collected multiple extension numbers and names, and all of them agree that it is a double charge. Once they send it to their billing department that is based in another country, that is where the disconnect happens. Billing sends me the same automated message everytime stating that they don't see a duplicate charge. I am stuck on what to do. A friend in law pointed me here and told me to file a report in hopes to get their attention on a higher level. I genuinely hope someone can help me as this is not a small amount. Thank you so much.
Product: Credit reporting or other personal consumer reports

This company is a 3rd party debt collector for XXXX. I asked Radius Global for proof that I owed them or even XXXX. Instead of granting my request, they hung up in my face. When I called back the person told me that I owed them a bill and they wanted to know when I was going to pay. I told them I do not owe anyone any bill, not even to XXXX  and not to call my number again, because they kept calling back to back from different phone numbers in my area code. They then put it on my credit report and I just discovered that they had access to my credit report after finding out my information was found on a data breach. I have only been living in XXXX  since XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was compromised as part of the Equifax security breach.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX 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 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My wife paid my credit card bill for me on XX/XX/2021 for {$400.00}. The customer service rep at the window asked her for her social security number. This is the most invasive thing ever. Her state issued i.d . is enough. This is a security risk. I don't what this person will do with her social security number. I am not happy with this and should not happen with any other customer. The REF : XXXX XXXX XXXX XXXX XXXX ( Payment {$400.00} ) This payment was made at XXXX CST time account ending in XXXX. This is intrusive and sketchy. I think this has potential of stealing her information. This should never happen at this branch again nor any other Capital One location. Nobody should have to give there social security number to make a payment for someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Security Service Federal Credit Union for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX Security Service federal Credit Union reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {XXXX I contacted Security Service on XX/XX/XXXX and was told to file a dispute with them via XXXX. I did so and received a letter stating they can not find this account in their system. I received XXXX letters stating this last week. 
Today, XX/XX/XXXX I have spent XXXX hours being transferred with representatives at Security Service Federal Credit Union and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2022 To Whom it may concern, Once again good evening Transunion, how are you doing today? You sent me information regarding my report XX/XX/2022 File number XXXX Verified as belonging to me and information has changed or been updated to reflect recent activity. 

I want it to be clear I never disputed the account didnt belong to me. I disputed the information reported. Delete the following accounts because you did NOT do a proper verification. It is past the 45 days time required. 

I demanding a Updating of the following accounts : US DEPT OF EDUCATION/XXXX - XXXX US DEPT OF EDUCATIONXXXX - XXXX US DEPT OF EDUCATION/XXXX - XXXX PLEASE MAIL UPDATED CREDIT REPORT TO MY ADDRESS SHOWING THE DELETIONS. 

Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on Experian XXXX XXXX there are unauthorized use some one have been using my information I have not applied to any of these companys
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Fraudulent Accounts from Credit Report and Immediate Blockage under 15 U.S. Code 1681c-2 Dear Equifax, I am writing to you with a request under the provisions of the United States Code Title 15, Section 1681i , which empowers consumers to dispute inaccurate or fraudulent information in their credit reports. There is information on my consumer report that I did not provide written permission, instructions, or consent to be reported on my consumer report as a result of identity theft. Therefore, I am formally requesting that the reporting of this inaccurate and fraudulent information be blocked and deleted. 
My request for the blockage and deletion of this data is not a mistake, nor is it founded on any misrepresentation of facts on my part. I am committed to ensuring the accuracy and integrity of my credit report, and as such, I am rightfully seeking the removal of these wrongfully attributed transactions. It is crucial to clarify that the transactions identified in my report are in no way associated with any of my legitimate financial activities. As the victim of identity theft, these transactions do not represent any transaction undertaken by me as the rightful consumer. 
In accordance with the Fair Credit Reporting Act, I am entitled to a fair and accurate representation of my credit history. I kindly ask that you investigate this situation promptly and take the necessary steps to remove the fraudulent accounts from my credit report. I understand the importance of a correct credit profile and its implications for my financial well-being. 
Enclosed with this letter are copies of documents substantiating my identity and the fraudulent nature of the reported transactions and trust that these documents will provide the evidence required to facilitate a swift resolution of this issue. I kindly request a written confirmation once the fraudulent accounts have been removed from my credit report. 
The identified transactions are not information related to any transaction by me as the consumer and must be deleted and removed from reporting 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 In accordance with the regulations stipulated in 15 U.S. Code 1681b, governing the permissible purposes of consumer reports, I hereby demand the immediate removal of all inquiries not initiated by myself from my credit reports. Specifically, the following inquiries are unauthorized and must be promptly deleted : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer reports from Experian, XXXX, and XXXX contains information about my income within transactions of mine from the experiences I have with others which is not required to be on a consumer report. How can my private transactions appear so others can view? if these companies say they are reporting 100 % accurate and by law? I have contacted them and bought these inappropriate use of my consumer report to their attention with not avail. 

Exclusions- Reports containing information solely as to transactions or experiences between the consumer and the person making the report
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 usc 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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: Debt collection

Spoke to the with payment arrangement XX/XX/XXXX at XXXX XXXX. The calls have been nonstop since that day using various numbers from different states. Today I had 4 by XXXX. I told them that payment arrangement was already made and they had no right to call me nonstop. I have them logged in my cell but it's alot of calls and can't write them all on here due to disability. I probably have 20+ calls from them since the XXXX. I tod them I will sue them for harrassment. I'm fed up. The bill is around {$1000.00}.
Product: Mortgage

I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Product: Credit reporting or other personal consumer reports

The company is reporting a bankruptcy on my credit report that needs to be investigated. As stated on my report the information was verified from U.S bankruptcy court. US bankruptcy court has provided a written letter that no information was verified from them pertaining to a bankruptcy. Reporting unverified information to my credit profile is of violation of privacy rights and total embarrassment. The courts will not provide my birth month or social security number. So how was the accuracy of a bankruptcy matched and who verified it.
Product: Credit reporting or other personal consumer reports

I saw an account with XXXX on my credit report and I have never had any dealings with XXXX. I have never been there or purchased anything from them. I do not know how this account got put into my name.
Product: Checking or savings account

On Saturday XX/XX/scrub> 2024 I Saw 4 Transactions In Large Lump Sum Transactions Sent To Someone I Dont Know In A State I Never Been To I Requested A Dispute On The Transfer To XXXX XXXX For {$300.00} at XXXX, Transfer To XXXX XXXX For {$400.00} at XXXX, Transfer To XXXX XXXX For {$2000.00} at XXXX, Transfer To XXXX XXXX For {$290.00} at XXXX all on XX/XX/XXXX ,2024 fraudulent transactions leaving my account negative {$100.00} XXXX reach out to my bank they complete a dispute in 3days stating no mistakes were made even with me constantly saying these charges werent authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXXBalance {$0.00} XXXX {$8100.00} XXXXXXXX XXXX****-Balance {$49.00} ( Original Creditor : XXXX XXXX ) XXXXBalance {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continue to report and inaccurate address on my credit report. I didnt and have never reside at XXXX XXXX XXXX XXXX XXXX, XXXX Massachusetts XXXX.
Product: Debt collection

Receiving upward of 5-10 repeated calls back to back. Spam calling over and over again.
Product: Credit card

Consumer reached out to investor services to request account be reopened. Discover Bank ( incorporated in Delaware ) closed consumer account and has not withdrawn the Power of Attorney on file with the IRS. The companys issuing entity has an indentured agreement with XXXX XXXX XXXX XXXX XXXX XXXX ) as the consumers fiduciary to ensure request are completed that are received by the noteholder ( consumer ). Per the Trust Indenture Act of 1939, there are duties not being completed when it comes to the consumers account, which include discharge. Since the company would like to trade the Notes/Bonds backed by the consumers financial asset that was signed at the beginning of the contract/cardholder agreement by trading in the secondary market the consumer wants the account reopened. The company is still making money from the consumers signature ( forensic audit details this information ) and collecting in a certificate of deposit created for deposits received to get interest every two years. Additionally, Discover Bank sold its rights and title to all receivables to its depositor, who turned the financial asset into cash, securitized it through the master trust which allows the cash flow that is accumulating. Thank you for your attention. Consumer would like something in writing about next steps.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am a consumer who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

I am writing this complaint because I have sent Experian a copious amount of complaints in which Experian has repeatedly and willfully neglected his duties and obligations under the FCRA and other applicable laws. This is a final chance for Experian to cure before legal action is pursued. 

This complaint is NOT coming from a third party and should NOT be considered as a duplicate complaint. Considering this complaint as either will be construed as willful and intentional negligence.
Product: Debt collection

I am writing to dispute a charge of {$1100.00} the charge is in error because I did not do business with LVNV Funding at all no contract/consent nothing no approval from me.