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

XXXX XXXX XXXX '' IS MY ONLY TRUE NAME I WOULD LIKE THE FOLLOWING NAME ( S ) LISTED REMOVED FROM MY CREDIT REPORT. " XXXX XXXX XXXX '', " XXXX '', '' XXXX '', '' XXXX '', " XXXX XXXX '', " XXXX '' XXXX XXXX XXXX XXXX TN XXXX IS MY PHYSICAL ADDRESS, I WOULD LIKE THE FOLLOWING INCORRECT ADDRESSES ATTACHED TO NAME " XXXX XXXX XXXX '' TO BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX CT, XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX United States THESE ADDRESSES LISTED COULD POTENTIAL REFERRING TO MY FATHER, " XXXX XXXX XXXX XXXX '' WHO I INHERITED THE NAME FROM. I WOULD LIKE FOR ALL INCORRECT INFORMATION TO BE REMOVE IMMEDIATELY. 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( Fair Collections Outsourcing ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Product: Mortgage

On XX/XX/XXXX I was notified that there was an issue with my escrow account. My paperwork was not completed to receive my XXXX Tax Credit on my Summer XXXX taxes causing my Summer Taxes to go up {$1900.00} and my mortgage payment to go up {$500.00} per month. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the about how to fix this situation. I was told what paperwork was needed to prove residency and reinstate the tax credit. A hearing was set for XX/XX/XXXX. The township ruled in my favor and sent me documentation to send to my lender to have my escrow and mortgage adjusted. I sent this document to Summit Funding in XXXX but my account was not corrected. I have not been able to get in touch with anyone at the company. I have uploaded the documents to Customer Care and to my own account on the portal several times. I have called Customer Care on XXXX occasions and was on the phone for over an hour each time being sent back and forth from Customer Care to the tax department, each time being told ny issue would be escalated. I finally reached someone at the corporate office who took down my information and said that they would get back to me on XX/XX/XXXX. I have yet to get a call back. I am at a loss as to what to do. My payment is now showing that it is 2 months delinquent and my credit score has dropped tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon inspection of my credit report, I found charges adding up to {$600.00} abouts. XXXX XXXX Idaho, aka TransWorld Systems, is also reporting that I owe them. Problem with that is I have tried reaching out for them to fix their mistake as my service kept getting cut off. They say it's withing guidelines of me oweing them. XXXX is who should be taking care of that not me. I had XXXX service but stopped when was security breeches on my account four times at least.
Product: Credit card

Three credit cards were processed during the last year without my knowledge : CBNA/THD - The Home Depot - Run on XXXX XX/XX/year> XXXX - XXXX - XXXX XX/XX/year> BEST BUY - XXXXXXXX XXXX XXXX I tried to apply for a credit card in XXXX XXXX XXXX for Best Buy and was declined on the premise of there already being an application being processed.
Product: Debt collection

I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with DISCOVER BANK, to substantiate my claim. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. 

DISCOVER BANK XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. 

I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. 

Thank you for your prompt assistance in resolving this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges & credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair & request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

My cash app got closed down 2 years ago and I was never able to recover my funds in my account
Product: Credit reporting or other personal consumer reports

Please remove this fraudulent accounts found on my consumer reports. 

You have been re-aging my accounts which is a violation of the fcra please delete this account as its hurting my ability to obtain credit in good faith You are also reporting XXXX month terms collection accounts dont have payment terms delete accounts immediately for inaccurate reporting if this keeps being reported you are in vioalation of the fcra You never notified me before parking this on my consumer reports you are in violation of the fcra and fdcpa delete immediately 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

Wrong credit score was placed on my social and also a wrong address in XXXX tn
Product: Checking or savings account

My chase account was randomly closed with no explanation as to why. XXXX dollars that I depended on were not returned and I was told I would not be getting my money back until whatever investigation they had ended. 

I spoke to three branch managers and they all told me that they dont have access to my account anymore. 

Furthermore, upon calling chases customer service line, a customer service representative hung the phone up on me once she told me that my funds were not available and told me to wait. 

This is completely ridiculous and I deserve to have my money. If the bank does not want my business thats fine but I should not have to wait for an investigation which I have no idea why Im being investigated in the first place be finished before getting my money back. I have bills to pay and it seems that Chase does not care at all about that.
Product: Mortgage

I took a mortgage from Sterling National Mortgage to purchase XXXX XXXX XXXX, XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$360000.00}. I paid {$70000.00} cash to reduce the loan amount to {$290000.00}. My closing was on XX/XX/XXXX. 

I recently discovered that the previous owners debt to XXXX XXXX XXXX was left as a lien on my property from XXXX XXXX until XX/XX/XXXX. I would like an answer as to why the previous owners debt was not resolved at my closing in XXXX? Why was no mortgage satisfaction issued as per the NYS Statute? Did Sterling issue any payments toward the liens associated with XXXX XXXX? Isn't it Sterling 's responsibility to settle from the sale proceeds when they are creating a new mortgage loan to clear up any previous debts on the property before the new owner assumes it? How can a new mortgage be issued on a property when there are outstanding liens and why did the XXXX lien remain for over ten years on my property unknown to me? What would be the purpose or use of this lien place holding on my property? When I made my payments for this loan in XXXX where and who received my payments? Sterling Bank or XXXX XXXX? 

Refer to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. XXXX XXXX and XXXX XXXX both require a mortgagee to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days in New York.
Product: Credit card or prepaid card

My Synchrony Bank Care Credit account statement closes on the XXXX and is due on the XXXX. My promotional balance is due on the XXXX, so I scheduled payments for the XXXX so that I would not be late on my promotional balance. I got charged late fees for XXXX months, {$37.00} and then {$49.00} even though I had been paying my statement ahead of time. I called and the automated voice mail reversed the first fee and then they sent me a link to fix any other issues. The link did not work, so I called back the second day and after an annoying automated phone system, I was able to speak to a very nice lady XXXX who told me that the reason I was being charged late fees is because I was paying my bill on my statement closing date! I was ahead on my payments but getting charged late fees! That makes no sense. I wonder how many people end up just paying it. I have had issues with this company before, charging me late fees when I had a balance, and they did not apply my balance to my expense.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$19000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting

My dispute is with SpringLeaf Account # XXXX in the amount of {$6300.00} Tried to contact them with the information on my credit report - Was told they were no longer in business??? 
This is all the information I have : SPRINGLEAF XXXX XXXX XXXX XXXX {$6300.00} REV {$6300.00} $ XXXX {$6300.00} 1 0 0 0 CLOSED XP PURCHASED BY ANOTHER LENDER
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of several unauthorized hard inquiries from my credit report. The inquiries in question are as follows : XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry dated XX/XX/XXXX XXXX. XXXX inquiry XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/XXXX XXXX XXXX XXXX {$4700.00} 2. XX/XX/XXXX XXXX XXXX XXXX {$940.00} 3. XX/XX/XXXX XXXX XXXX XXXX {$570.00} 4. XX/XX/XXXX XXXX XXXX XXXX XXXX {$440.00} 5. XX/XX/XXXXXXXX XXXX XXXX XXXX {$380.00} 6. XXXXXXXX XXXX XXXX  {$37000.00} 7. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} 8. XX/XX/XXXX XXXX XXXX XXXX  {$940.00} 9. XX/XX/XXXXXXXX XXXX XXXX XXXX  {$670.00} I have no knowledge of these companies and this is fraud because I have never signed any written documents stating this was me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Checking or savings account

My aunt, XXXX XXXX died on XX/XX/XXXX leaving a will funding XXXX XXXX XXXX XXXX of which I am a named beneficiary. While I was awarded one part of the money, a second part ( {$300000.00} ) was never distributed to me. The Trustee ( Wells Fargo Bank , N.A . with XXXX XXXX of Wells Fargo Advisors XXXX, Texas aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXssured us that she was worthy of my aunt 's trust. We flew home, buried other relatives and forgot about the paperwork. Late last year while going through old boxes, I came across the aforementioned documents and realized that {$300000.00} was never distributed to " Trustee of XXXX XXXX  Trust created in Article 5 for the benefit of XXXX XXXX brother, XXXX XXXX XXXX '' ( as quoted in the Amendment of Trust Agreement ). XXXX XXXX XXXX XXXX ( The XXXX XXXX XXXX ) was created on XX/XX/XXXX and no check was ever issued to me from my aunt, XXXX XXXX XXXX, or the XXXX XXXX XXXX in the amount of {$300000.00}. 

Furthermore, I researched that Trust beneficiaries are lawfully entitled to an accounting of the Trust and a copy of the Trust document. We were told in XXXX by XXXX XXXX that we were not entitled to these things. I then wrote letters to Wells Fargo seeking restoration and to reclaim what my aunt intended for me. The letters I wrote also indicate that the Amendment to the Trust may have been made after my aunt 's death. If the official and notarized signature page to the amendment was printed on the same printer as the other documents and the printer document number in small print at the bottom of each page is after XXXX ( as on her Last Will and Testament filed and dated XX/XX/XXXX after her death ) then the signature of my aunt is a forgery. The amendment is null and void. And there is theft and Grand Larceny involved of about {$10.00} XXXX dollars! Additionally, there were Texas oil leases involved and oil income ( about {$15.00} XXXX ) which would have continued perhaps to this day. If that is so, then there is a current prosecutable crime involved. 

My complaint to Wells Fargo 's Enterprise Complaints Management Office ( ECMO ) proved unsatisfactory and the case was closed. I was told that I needed to provide the account number for the Trust. I do not have that number. Wells Fargo has the number. I realize that 15 years have passed and locating that number is problematic. However, I am XXXX XXXX XXXX with no XXXX or pension other than Social Security. I can't seem to get hired anywhere. I started a business in XXXX and it is failing. I can not pay rent and pay my credit cards, too. I am close to homelessness. I do not want to hear Wells Fargo tell me how hard it would be for them to find the account number! 

Trusts do not have an expiration date and Wells Fargo is the Trustee. I need what is owed me. I ask for your help, please!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 i, which mandates a reasonable investigation of disputes. Furthermore Equifaxes actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File number 2025-CFPB-0002 ) against them for similar violations. I request that the cfpb take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of Investigation.
Product: Money transfer, virtual currency, or money service

I placed an order with online retailer XXXX, using Venmos debit MasterCard. Including tax the total amount due was $ XXXX. 
Upon placing the order a second charge was withdrawn from my debit MasterCard : [ photo of transactional record would be placed here if allowed ] {$24.00} was deducted from my Venmo account to XXXX XXXX but i am unable to see delivery address or any additional information.
Product: Debt collection

Today, XXXX, XX/XX/XXXX, I am filing a complaint on accounts that were fraudulently opened under my identity. I check my credit reports on a daily basis since I have been victimized with identity theft since XXXX of XXXX last year. Utility accounts have continuously been opened under my identity linked to Texas addresses I have no association with. I am and have always been a resident of New Jersey all of my life and have never visited or resided in Texas. Upon checking my credit reports yesterday, I discovered two new fraudulent accounts that were placed for collections under my identity. The two utility companies that sent me to collections are XXXX XXXX and XXXX XXXX XXXX and both accounts were taken over by the collection company, Online Information Services. After discovering these collections on my accounts for all three credit bureaus, I contacted Online Information Services to dispute both fraudulent accounts yesterday on Thursday, XX/XX/XXXX. I spoke with their representative, XXXX, who provided me with all the information on both of these fraudulent accounts. She stated the XXXX XXXX account is in collection for the amount of {$620.00} and the address linked to this account is XXXX XXXX XXXX, XXXX, Texas XXXX. This fraudulent account is owed {$620.00} as of XX/XX/XXXX. The XXXX XXXX XXXX account is in collection for the amount of {$490.00} and the address linked to this fraudulent account is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. The amount owed is {$490.00} as of XX/XX/XXXX. In total, the collection agency, Online Information Services, is attempting to collect {$1100.00} for these fraudulent accounts. The dates these utility accounts were opened are around the same months from last year that I have submitted complaints for other fraudulent accounts with CFPB. After viewing my older complaints filed with CFPB, I saw the address XXXX XXXX XXXX XXXX, XXXX, Texas XXXX appear on my Complaint # XXXX. The identity thief using this address sent me into collection with another collection agency, XXXX XXXX XXXX, which was later resolved. After believing the identity thief could no longer open accounts under my identity after placing freezes on my credit reports, I was wrong and still continue to discover fraudulent accounts being opened and sent into collections under my identity. I have filed police reports documenting this entire identity theft situation and I have been placed under the FBI database in regards to this matter. This whole situation has been a nightmare and has taken a toll on my mental health not knowing what I will discover next. CFPB has truly been a blessing in helping me resolve my credit report issues and I pray this identity thief is caught so this can all stop for good.
Product: Credit reporting or other personal consumer reports

Kohls credit card financed by Capital One continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties.