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

XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX, a two same personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a personal loan opened at VA Department of Social Services on XX/XX/XXXX under the account number ( XXXX ) due to long-term disability/unemployment, a person credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a XXXX XXXX credit card in my name. I tried to reach out to the company and have emails stating that it was not me that opened the account. The card went to a address I had never heard of let alone been associated with. They did NOTHING to help me fix it! Now I have disputed it and it just came back the information is correct and it stays. Only after they removed it once and than turned around and stuck it right back on for a longer period of time!! They are XXXX XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, NET CREDIT XXXX
Product: Credit reporting or other personal consumer reports

PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with bridgecrest about being late a third time. I was not late and have proof I paid when bridgecrest told me to. Now there new emails after i complained about being reported incorrectly have a time on a certain date to pay by as opposed to a simple pay by or on this date. Bridgecrest added remarks to my account about a reinvestigation and that i dispute the account information which I do however from my research disputes are not supposed to lowed my credit score. XXXX  according to XXXX XXXX reduced my score by XXXX points for this dispute and that is not ok. I want an explanation of this.
Product: Credit card

XXXX XXXX for their product/service in full on XX/XX/XXXX. XXXX filed for Chapter XXXX bankruptcy and shut down their XXXX XXXX XXXXn XX/XX/XXXX. I never received the product/service that I paid for. After finding this out, I made several attempts to contact the business to get my money back and was not able to get in touch with anyone. I then reached out to my credit card company, Citizen 's Bank, and filed a Claim with them on XX/XX/XXXX and was told I would receive a call from the Claims department in XXXX to XXXX business days. I never received a call during this timeframe and did not receive any information from them via mail or email either. I then called the customer service department again ( because the XXXX 's XXXX department does not have a number to call ) on XX/XX/XXXX and was informed the " investigation '' was still ongoing and not to worry because I would not be responsible for any interest that accrued during this process. Finally received a letter in the mail on XX/XX/XXXX which stated my claim was denied because they were not able to get in touch with me. At this point, this was the first contact I had received from them. I then immediately called the customer service back and was told that they are going to reopen the claim, reassured me that I am not responsible for any interest on the account, and stated I would receive a call from the Claims department in XXXX to XXXX business days to resolve the issue. I never received the call or any other attempts to contact me. Called customer service again on XX/XX/XXXX and was transferred to the fraud department. The fraud department stated they were not able to reopen the claim and had to create a new claim for me. They also stated that I am not responsible for any interest on the account during this process and that I will receive a call from the Claims department in the next XXXX to XXXX weeks. Despite being reassured that interest will not be accruing on this account during the investigation by XXXX separate individuals, I am being inundated with calls from XXXX 's collection agents trying to claim I am not paying my bills and they filed late payment claims with the credit bureau so my partner and my XXXX XXXX 's have now significantly dropped due to this. I called customer service again on XX/XX/XXXX and was transferred to XXXX separate departments before being escalated to a manager, who told me I should expect a call from the Claims department in XXXX to XXXX business days. The same thing I have been hearing for the last XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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

Unwillingness to Cooperate and Provide Transparency related to PMI charged for the Mortgage Account by Key Bank. 

We have our mortagage account with Key Bank and the escrow charges a PMI. I have been in regular touch with the Bank to understand the process of PMI and its cancellation but it not customer friendly and requires 30 mins of call every time to get in touch with an Escrow Office. Even on getting touch there is no effort to provide how much the customer needs to reach in terms of balance to cancel/remove PMI. 

We have reached 80 % of our mortgage balance and as per general understanding applied for removal and also asked the Key Bank Escrow Servicing Department what balance we should reach to remove the PMI, but all efforts to reach out through phone/email have never worked, The Bank staff 's typical reply has been they do not know the numbers like it a red tape. 

We need CFFB help to bring transparancy in the process, so Banks can share this with Customers on they pages and showcase next steps to take care of the PMI/Escrow fees. 

I appreciate CFFB for helping us provide a forum to raise this issue. I am pretty sure many bank mortgage customers will be a in similar situation with no clarity on when and what amount can help then remove the fees charged. 

Attached 1 ] Recent letter from Key Bank without any details on balance required just saying out it LTV not at required amount, previous letters have also been cryptic with no specifics 2 ] Emails send from my account asking Key Bank mortgage department on the specifics on PMI and when can we remove it and what LTV value needs to be reached
Product: Debt collection

On XX/XX/XXXX I was alerted by my credit monitoring service that a collection account was added to my XXXX  and XXXX  credit report. I do not recognize the name of the company AFNI or alleged debt. On XX/XX/XXXX they also added I was120 days past due and the account was opened on XX/XX/XXXX. I have never been contacted by AFNI by phone call or letter regarding any alleged debt owed. I have absolutely zero information regarding them and for them to report to credit agencies I owe money without providing me validation of this debt is fraudulent. I have the right by law to respond and/or dispute any attempted debt collection and I was never contacted or given that opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate this unverifiable account below : XXXX XXXX XXXX Balance {$1000.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> CCR XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my credit report on XX/XX/XXXX by JPCB which was never submitted or approved. Tried calling them, response was I have a data leak or fraud on my account and to provide sensitive information to check which sounded suspicious to me. I would like to dispute this inquiry. thank you.
Product: Mortgage

I have submitted numerous complaints involving Midland Mortgage fraudulent practice with escrow account. Midland mortgage refuse to reduce mortgage payments to reflect accurate payments. I have submitted documents called and did two complaints with CFPB with provided documents and response from mortgage company stating they have reduce my payments. Midland mortgage have held payments reflecting negatively on my credit as late when in fact they are holding payments over the amount that I owe such as {$870.00}, but I paid {$890.00}. This is trickery that complaints are done and the company can continue to make false statements. Please see the attached documents.
Product: Mortgage

Since moving into my home, I have had issues with XXXX the management company of my HOA. The account number they gave me was invalid thus making it difficult for me to pay online. They did not send statements and so was it incredibly difficult to confirm the payments until the quarterly statement arrived right before payment was due. I then started sending the payment through my credit union 's bill pay to ensure timely payment. In early 2021 I received a noticed that I owed a {$70.00} payment. I informed the XXXX that I would research with my bank since my statement showed that the payment went out. With COVID still in effect it was not business as usual at the credit union so it took a couple of weeks to get the report. Soon after I sent the payment details, I received a letter from the attorney for the HOA. The amount had grown to {$480.00}, I sent them the details from the bank and the amount grew then to {$860.00}. I then overpaid my HOA fees and was running a credit but that did not matter to the attorneys. Even with all that the amount then grew to {$3200.00}. This is when I decided to get an attorney because they were threatening a lien against my home. 

Unfortunately, the nightmare was just beginning for me. The attorney noticed that the lien was not properly executed and that the HOA attorneys had violated a Florida law and the Fair Debt Collection Act. XXXX XXXX  never contacted me to see if the debt was valid. They instead paid the {$3200.00} and added it to my escrow which in turned messed up the negotiation that my attorney was working on. I only learned about this because one of the attorneys in the HOA law office felt sorry for what had been done to me and contacted my attorneyXXXX XXXX XXXX never called and never provided a letter, phone call, or an email on the matter. We had to file a Fair Debt Collection lawsuit and I advised them providing the case number. They called and said that they would put the account on pause while I worked out the matter. Sadly, they continued to call me five times a day and loaded the account with late fees. They also reported me late even though I continued to make payments every month. I've written twice to their corporate office and sent several emails. It is always the same the form letter stating that customer service will look into it followed by a letter two weeks later stating we looked into it and the HOA lawyers gave us ten days to render payment to them. I believe ten days is enough time to contact your customer by letter, email, mail or phone. They have been bullies, they answer is always WE ARE BIG and you are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

IDENTY Theft report attached Please remove all listed fraudulent inquiries from my TransUnion credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX  90 Days Late Real Estate {$0.00} Status Date Reported XX/XX/XXXX Payment Status 90 Days Late Account Status Transferred Account Details Account Type FHA real estate mortgage Responsibility Individual Original Loan Amount {$110000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral DEFERRED TO XXXX Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term XXXX Payment Frequency Monthly ( every month ) On Time Payments 26 % Worst Pay Status Late 120 Days Lender Info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Remarks : I want this removed they were not my mortgage holders I am currently with XXXX XXXX I went through a loan modification for a lower interest rate m during the covid years, I was not late or did they EVER have my mortgage loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX & midland funding dont match. photos attached XXXX XXXX  -- last payment XX/XX/XXXX trade line shows XX/XX/XXXX account closed XX/XX/XXXX midland funding got collections XX/XX/XXXX why long wait from XXXX XXXX  to midland? 
re-aging on both parties? 

2 credit shows open, one shows closed and not in collections which is correct
Product: Checking or savings account

Bank will not refund all funds stolen from account, due to identity theft/fraud. 
My father past away in XX/XX/XXXX, when I went through his bank statements, I found someone had stolen his debit card info. and had been making a lot of red flag purchases, such as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX My father never charged anything from online sites, since he had no home computer, also his account history for years showed no such purchases. Bank Fraud started in XX/XX/XXXX to XX/XX/XXXX. {$34000.00} was cleaned out of the account. Bank stated will only refund first XXXX from the time fraud started ( which is wrong ). Bank security system did not catch Red Flag irregularities as it should have and if it did, then it should have frozen the debit card. My cousin banks with same bank and if she makes irregular charges, the bank freezes her debit card service. 
I reported theft to Police Department and gave a copy to the Bank, since I had to wait 6 months for courts to make me Executor to my fathers WILL, I was not able to talk to bank and make out Police Report until XX/XX/XXXX. 
XXXX and XXXX who I spoke to at bank admitted that there security system failed. They made comments at XXXXon XX/XX/XXXX. I have spoken to XXXX at the Bank on XX/XX/XXXX and XXXX, XXXX, she stated to me what the Fraud department told her and that if I wanted to file a complaint, she would have Fraud Department call me sometime between XXXX XXXX XXXX, I was in line with other complaints, this is way to long to receive a call, Also from talking to XXXX XXXX it does not seem Bank will reimburse all funds, due to there incompetence. 
Bank is Northwest Bank, XXXX XXXX XXXX, XXXX NY XXXX Ph : XXXX XXXX Police Department Complaint Number XXXX
Product: Debt collection

Portfolio Recoveries has been contacting me repeatedly on both my cell phone numbers as well as my home phone number daily, for over a year regarding an aged debt. After verifying the original date of delinquency from an older credit report, I then compared it to a more current XXXX and saw that the debt had been re-aged. I immediately disputed the validity of the debt with the credit bureaus who moved the account earlier in 2015. The calls had stopped temporarily, then started again and it began relentless. I even told the person the debt was aged and they continued to call. At XXXX point, I said that debt was no longer mine with the though process that since the debt was no longer collectible, that would be the correct tactic. To no avail, the calls will not stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion countless times. TransUnion is not unaware of the fact that it is reporting inaccurate information on my credit report. I have called and used every possible online dispute method it has allowed me. I have disputed this false collection claim on my credit report multiple times. At times, TransUnion even agreed to remove it, and then placed the exact same fraudulent collection back onto my credit report that I disputed and had removed. 

Then, for months, TransUnion gaslighted me and blocked me from being able to dispute anything on my credit report. It's representatives played games sending me back and forth saying that I needed to contact a different department, then a different department, and then the department that told me I needed to contact a different department. Eventually, I was able to get a representative to remove what they referred to as an " error code. '' There is no error here ; there never was an error. 

This is and has always been willful circumvention of correcting my TransUnion credit report. None of my other credit bureaus kept this fraudulent collection on my report once I notified them. It seems like TransUnion has a relationship with this fraudulent collection agency and intends to gaslight me until the end of time. I have filed a number of complaints with CFPB on TransUnion, and nothing ever seems to happen. 

TransUnion is itself actively participating in this fraud. As you can see from the documents that I attached, TransUnion is sending out different reports than the report it is providing to me for dispute filing purposes. The version of my credit report that TransUnion sends for credit checks contains the fraudulent collection claim, but the version of my credit report that TransUnion provides me with to dispute items does not list any collections whatsoever because TransUnion knows that there should not be any on my credit report.
Product: Mortgage

Back on XXXX/XXXX/XXXX my realtor received an offer on my home, and we emailed the offer, third party authorization, buyer proof of funds and the preliminary HUD to the lender for review to postpone the foreclosure sale. Me, my realtor and my realtors assistant have phoned the lender everyday this week to check the status and to do a formal request to postpone the foreclosure sale and the lender has continuously informed us that they did not receive the email which the email address is XXXXXXXXXXXX and XXXXXXXXXXXX. 
Then when I phoned today, they stated that they have the documents but they will need more time to review the documents, and I do not have more time. The foreclosure sale is Tuesday, XXXX XXXX, XXXX @ XXXX. The lender has been XXXX around with me and my realtor for two weeks now, and this is simply unreasonable and I am desperate for help and trying as hard as I can to make this work, and I feel as if the lender is not assisting me with the foreclosure postponement. I understand that the lender did not put me in this situation, but they are not doing what the government says a lender should do to provide foreclosure alternatives to me as a homeowner either. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

There should be an easy way to freeze my credit report on all 3 agencies. I have tried to do this online with all 3 agencies and after much time, all 3 errored out with vague error messages that " my request could not be completed at this time ''. This is unacceptable.
Product: Checking or savings account

I opened a citibank checking account on XXXX XXXX, 2021. I tried to transfer money I deposited into that account to my other checking account with a different bank but it didnt work. On XX/XX/XXXX I called customer service because my account wasnt working and was told it was locked because they couldnt verify the cancelled transfer. I was told to wait for a letter with a reference number to verify my account so it could be unlocked. They mailed it out on XX/XX/XXXX and I got it on the XXXX, so I called back. My account was unlocked but I still couldnt log into my online account. On XX/XX/XXXX I called customer service again because my account was locked again with no warning. I was told that the service representative failed to follow proper steps during the verification process so they locked it again. I was also told that my account would be closed and when I asked about getting the money in it, I was told I would get a check in 1-2 months. I was also told I would get a letter explaining why its being closed but still havent received that. I inquired about getting the check sooner but was told to call another number. I waited some weeks and called the number on XX/XX/XXXX but keep getting hung up on with no answers about the check.
Product: Debt collection

I have never had Jeffersons capital for XXXX and have disputed for it to be removed. I didnt open this account and it is not under my name or any address I lived and have submitted this information to all 3 credit bureaus and only XXXX have removed it.