23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am a victim of identity theft. I discovered this when checking my credit reports through XXXX in XXXX XXXX 2015. 
I immediately placed an initial fraud alert with the XXXX credit reporting agencies. I received my credit reports by XX/XX/XXXX and I proceeded to go through the dispute process. I also filed a police report - Case number XXXX. 

In XXXX XXXX, I received a phone call from XXXX XXXX from the XXXX XXXX financial crimes department. He told me that they pulled over someone with a false license plate. When the officers asked him for his ID, he claimed to be me. He had a fraudulent copy of my drivers license with his picture on it. He eventually confessed to the fact that he has been using my identity to pick up phones from stores. 

With this information, I proceeded to file a dispute with all three credit reporting agencies. 
XXXX and XXXX removed all my requests. 
Equifax, however, did not. Equifax refused to removed a few accounts because they verified that the items belong to me. I 'm not sure what their procedure is but it 's definitely incompetent. They also refused to remove the fraudulent and unauthorized hard credit inquiries that are a result of the identity theft. These hard credit inquiries will affect my credit score and will remain in my file for two years. 

I urge CFPB to investigate Equifax and their procedure on how to verify accounts as I find them to be incompetent and lackluster.
Product: Credit reporting or other personal consumer reports

These accounts were opened fraudulently without consent. XXXX XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. These items are currently showing inaccurately on my report filed with your credit bureau. Pursuant to 5 U.S.C 552a ( i ) ( 3 ), I am requesting that these disputed items be removed permanently from my credit report immediately. This statue states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please help me get resolution and correct my credit report by removing the disputed items as stipulated by the Fair Credit Reporting Act. Thank You for your Cooperation in correcting this erroneous information on my credit report.
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I opened a Comenity/XXXX  Credit Card I made a charge in XX/XX/XXXX and paid it off in full in XXXX and closed my account for good measure. 

This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 
XX/XX/XXXX - {$100.00} delinquent payment XX/XX/XXXX - {$140.00} delinquent payment Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. 

My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.
Product: Checking or savings account

I have my reoccurring fees set up to be pulled from my account on the XXXX of every month so I can always be sure that I wont be charged an insufficient funds fee. However to my disappointment it does not matter that I am attempting to be responsible with money, Chase bank always posts the reoccurring fees last according to the representative I spoke with. This way they can charge consumers the most money.

3 reoccurring transactions debit my account on the XXXX of every month. In this case XX/XX/XXXX. I received a direct deposit from my place of employment and then as normal, any reoccurring fees are taken out first thing in the morning. I had enough to cover these reoccurring transactions Chase posted them on Tuesday, XX/XX/XXXX, not in the order they came in but purposely at the end to maximize their profit. They post these transactions this way because I currently have debit card coverage switched off and because of this, they cant charge my account {$34.00} for everyday debit card transactions. So I was charged 3 separate {$34.00} fees for the reoccurring transactions which apparently are treated differently than normal transactions. Obviously this isnt true because other banks, XXXX XXXX, treat this the same as any other transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

Experian : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX  : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : XXXX
Product: Vehicle loan or lease

ALLY FINANCIAL, they have done this to me twice, they call 3-5 times a day after you are late 5 days, they offer you a loan extension to place the owed payment on the back of the loan if you pay right away, once you pay, you get a call usually about 10 days later, but in my case they called about 7 days later requesting back payment, I informed them of the extension payment and they tell you that you had to sign and return by mail, not fax, or email this letter, once I told her that its not been 10 days, shes says my extension request was denied ..there was never a mention of any letter, just payment
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX of 2021, after a sum of {$3200.00} ( two separate invoices ) were deposited into our business PayPal virtual wallet, PayPal permanently removed our ability to manage and withdraw the funds. Over the course of several digital and phoneline communication attempts with PayPal, their support services have refused to elaborate as to why the account lock action was taken and have refused to facilitate management of the funds to our business. 

Reference ID : XXXX The course of action I am taking today has not been taken lightly and has been suggested by several sources.
Product: Mortgage

they said they would give you a loan modification I 'm making the payments already loan modification but I have no signed contract I do not get monthly statements they tried to raise my mortgage rate by XXXX a month they have committed many many infractions according to the law I have read the law it is not hard to find numerous infractions no monthly statement trying to foreclose on my house this is all illegal
Product: Credit card

I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.
Product: Debt collection

This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store. 
I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.
Product: Credit reporting or other personal consumer reports

I entered into a settlement agreement for the balance due on my XXXX XXXX ( through synchrony bank ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said XXXX  days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than XXXX  days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion- XX/XX/XXXX Several inquiries reported last year in 2021 that were not authorized, I submitted a letter in writing but was unable to get any resolution.
Product: Credit reporting

I went on annualcreditreport.com. I wanted my credit score from TransUnion so I agreed to pay the fee. However, I feel it was not made clear to me that I would be charged a month fee from that point on until I proactively cancelled. I think this is underhanded and they are taking advantage of countless citizens that are not clearly aware of the contract they are agreeing to when requesting a score which in my opinion should also be free once per year. I feel I was tricked and they refuse to give me my money back.
Product: Mortgage

Hi CFPB, I have my current mortgage of my primary residence with Citizen 's bank. My original loan was with XXXX XXXX Mortgage XXXX and the loan was later bought by Citizen 's Bank. In XX/XX/2021, I got an email from Citizen 's bank saying I am eligible for lower interest rate if I refinance the current loan. As the letter was genuine and from the bank where my current loan is, I contacted a loan XXXX whose contact information was on the letter. She initiated the refinance process by initiating credit check and requested for all my documents ( recent pay checks, immigration documents, my investment property mortgage information, home insurance information, bank statements etc. ). I mentioned to them from the very beginning to let me know if there are any pre-conditions that I need to be aware of for successful execution of this refinance process. Regardless, bank started asking me to do few things for me to be able to get the better interest rate. To emphasize, these conditions are not the letter they sent me and they didn't tell me all conditions at one. Below are the conditions they asked me to fulfil one after one : 1 ) Open a checking account with Citizens and have a monthly deposit- I complied 2 ) Pay my current loan with Citizens Bank with the checking account opened at Citizens- I compiled 3 ) Include home insurance in escrow - I refused as I currently pay by myself and not from escrow. I escalated to this with the bank and agreed they will drop this condition 4 ) Paid for house XXXX and spent lot time sending and resending the requested documents After all this and XXXX  months after the process started, I am now being told that I do not have XXXX XXXX  and can't move forward my application. I am on legal visa ( XXXX ) and my previous re-finances with other bank didn't deny my loan due to my XXXX status. 

I feel that this is marketing strategy where they made me open checking account with them, waited for 6 months and now saying my re-finance application didn't meet their conditions. I request XXXX to look into Citizens ' bank practices. 

Thank you for all you do Concerned Individual
Product: Checking or savings account

on XX/XX/year> my personal checking account was put on block and they cant give me a reason or answer why they keep saying i dont know the reason the spoke with care taker and anylist and the same respone they dont know. i just lost my home from hurricane milton and lost everything and my bank account has all my money and i cant access it at all ive been sleeping in the car past couple day
Product: Credit reporting or other personal consumer reports

I called all 3 reporting agencies TransUnion, XXXX and XXXX!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!! 
Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX, XXXX XXXX XXXX ...., XXXX XXXX XXXX .... & XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was a victim of a data brench all my info was stolen an somebody i become a victim of fraud an identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 at XXXXXXXX XXXX I got a notification saying that I had a HARD INQUIRY from American Express. I never applied for American Express or had any dealings with them. I would like this removed from my credit report. And if possible can I find out who did it?
Product: Debt collection

This is in reference to my complaint and disputed in submitted via CFPB in XXXX 2015 of which I have not yet had any response. The disputes complaint number is:XXXX and to re iterate ; I was informed by the IRS that my personal information had been used and advised me what I should do as a victim of Identity Theft. I am contacting all account that do not belong to me and have been opened fraudulently. I forwarded my Identity Theft Affidavit via the CFPB portal ( 9 ) months ago and I would like this matter addressed as it is causing great hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to up date my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they will not allow me I have sent disputes in from this address and there not accepting my dispute. There are several inaccurate unauthorized accounts and unverifiable accounts on my credit i filed a complaint before it was closed not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter Services as a formal complaint that you are reporting inaccurate and incomplete information on my Credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date, and balance whether reported or not. [ Guild Mortgage - Acct. No. XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must first verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed Never Late ) according to the consumer protection laws. 
15 US Code 1681A, Para.2, Sub.Para A. Sub.Sect.I states that Transactions are not included in the Consumer Report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7800.00} XXXX XXXX**** Balance Owed : {$55.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$200.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$1700.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$3300.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Spoke with a broker on XX/XX/2020 license number XXXX, in regards to refinancing my loan. Member insisted several times that VA mandates escrow accounts on all loans. Several times he promised he his trained and has been doing this for seven years. When I confronted the individual about the requirement stating other companies do not he got awkward and ended the phone call as soon as possible. Abuse of escrow accounts, including my personal one currently, is a systemic effort with Wells Fargo. They blatantly lied to me during the refinance process to secure an escrow account. To resolve this issue I am requesting a company wide investigation. This is my second complaint against them and their efforts to misinform and take advantage of uneducated customers/veterans, this is the third time I have been told from different people within wells fargo that the VA is mandating an escrow on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Acount # 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 602 A. States a consumer reporting aenc can not fumish an account with out my written instructions
Product: Mortgage

On XX/XX/2018 ( 38 days before foreclosure ) we submitted by fax requested information of getting loan modified due to death in the family of primary mortgage holder ( XXXX XXXX ) per conversation with Mr. XXXX XXXX of State Home Mortgage. Mr. XXXX verified that he had received the docs on XXXX XXXX. On XX/XX/2018 Mr. XXXX needed more documents an asked for info on roommate and it was sent via email given by Mr. XXXX. After two weeks had passed with no calls, emails or any other form of communication a call was made to Mr. XXXX concerning status and was told that a letter was sent out requesting documents ( to our suprise ). We waited another 3 days but still nothing came in the mail so another call was made and another representative unknown started inquiring about the loan and made reference to proof of residency after having provided the requested documents on XX/XX/2018. The file had been closed because information hadnt been received but nothing was ever asked. She then requested more documents and said that an email would be sent to detail everything. So on XX/XX/2018 ( Friday ) an email was sent requesting detail documents and those documents were sent back on XX/XX/2018 ( Monday ). After a 3 days a call was made but no answer, 4 days another call but no answer. Another call was made on the XXXX but no answer so an email was sent asking for updates but no response. After routinely calling everyday finally a voice picks up on XX/XX/2018 and Mr. XXXX informs us that file was turned down due to missing information not being turned in before the deadline on XX/XX/2018. I explained to him how can it be turned down for missing information that you just emailed us on XX/XX/2018 that was promptly given to you on next business day. Mr. XXXX said the lady that was handling this was out an wouldn't be back until after the foreclosure day. He said he would call back but we have yet to hear from him and I dont expect he will he hasnt been trustworthy in responding. While we had been going thru all this foreclosure proceeding was still proceeding. We have always provided the information that was needed in a timely manner, and have done as asked accordingly. We had thought to work something out but now given that it is 3 days before foreclosure and we havent resolved this we are forced to do the drastic measure of possibly filing bankruptcy. We are writing the consumer department because we thought this entity was in place to protect the consumer against bank actions such as these. Please help XXXX