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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant XXXX Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX XXXX  that was fraudulently opened in my name due to identity theft. 

Please remove collection fraudulently account : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information.

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account.

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Checking or savings account

Someone opened a Debit/Savings account in my name through PNCBank. I have tried several times to get the account closed through PNCBank without success.
Product: Credit reporting or other personal consumer reports

While speaking with a supervisor in the fraud department for TRANSUNION on a recorded call at XXXX XX/XX/23 he told me that TRANSUNION does not have to honor nor abide by FCRA 605b, which is a binding legislative law that protects me as an American whos afforded constitutional rights as a citizen of this country. Additionally, i explained to this supervisor that the other two bureaus being XXXX and XXXX honored my documentation requesting that my XXXX fraudulent accounts and XXXX inquires be *BLOCKED, not DISPUTED, as this supervisor insisted that a DISPUTE was my ONLY LEGAL RECOURSE, which is a lie, A XXXX OF JUSTICE, EGREGIOUS and a direct violation of my consumer rights to be afforded accurate reporting by this TRANSUNION bureau, BY REFUSING TO APPLY THE POTECTION OF FCRA 605B WHICH WARRANTED THIS BUREAU TO BLOCK THE AFOREMENTIONED ACCOUNTS AND INQUIRIES WITHIN 72 HOURS OF RECIEVING MY REQUEST TO DO SO WHEN THEY RECIEVED MY DOCUMENTATION ON XX/XX/23. I even sent them a copy of the FCRA 605b definition and controlling authority so its in excusable for them not to apply it, in fact it was malicious and CRIMINAL to ignore its enforcement.
Product: Credit card

The individual alleges that JPMORGAN CHASE & CO. violated their rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus without proper consent. They highlight several key violations : Violation of Privacy Rights : The individual claims their credit report, as non-public personal information, should be protected, and JPMORGAN CHASE & CO. failed to disclose their right to rescission.

Failure to Obtain Consent : JPMORGAN CHASE & CO. allegedly reported information without the written consent of the consumer, as required by FCRA Section 604.

Misrepresentation of Credit Payments : They argue that JPMORGAN CHASE & CO. misrepresented credit payments, potentially committing security fraud. 

Willful Violation of FCRA : The individual warns that any continuation of negative reporting would constitute a willful violation of the FCRA, demanding accurate reporting and correction of their credit report. 

Legal Action Threat : They threaten legal action if JPMORGAN CHASE & CO. fails to comply with their demands and request the transfer of funds to their Treasury Direct Account within three days. 

The individual asserts that their application is being traded as a security without their authorization. They emphasize that they have unequivocally revoked any consent for such trading activities. This unauthorized trading of their application is a grave violation of their rights and demands immediate cessation. 

Moreover, the individual cites specific sections of the U.S. Code to support their claims : 15 U.S. Code 1666b : Creditors are prohibited from treating payments on credit card accounts as late under an open-end consumer credit plan. 

15 U.S. Code 1666d : If a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction, the creditor must refund any remaining balance upon the consumer 's request. This refund should be made in good faith, and can be provided via cash, check, or money order.
Product: Debt collection

Even tho I have no contract with these people I tried to settle the debt for {$34.00} we both agreed on and these crooks still have not removed this debt from my credit reports and their derogatory mark!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INFORMATION BEING REPORTED IS INACCURATE AND REPORTING IT IS A VIOLATION OF THE FCRA
Product: Checking or savings account

Citibank decided to close my checking account. And they won't say why. That I don't care about so much. Each bank has it's risk department and that is fine. What I do have a problem with is they are saying the funds in the account are not mine. Which is not true. That money was transferred from MY XXXX  XXXX account into the Citibank account. So the fact they are trying to keep the money means they are trying to steal from me. It was a very simple ACH transfer from MY account at XXXX XXXX to My account at Citibank. I would like this dealt with asap as I'm trying to start a business and literally every dollar matters. I don't have {$170.00} to just give to Citibank. And they won't provide any account documentation. They offered no appeal process. And I'm pretty sure the phone rep called me a XXXX. So also XXXX. I want this dealt with immediately and I want my money back plus interest. This is very quickly going to turn into a lawsuit if not dealt with properly.
Product: Debt collection

I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.
Product: Vehicle loan or lease

This isnt mine yet its been on my credit report for many years. Ive never had an account with any auto loans. Please remove this account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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 rebelliousness 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 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

Hi I am submitting this XXXXXX/XX/XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXXhas me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing meXX/XX/XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Request for Proof of Loan Satisfaction for Loan Number XXXX Dear Carrington Mortgage Services, I am writing to formally notify you that the loan associated with Loan Number XXXX has been satisfied in full. As such, I am requesting an official document verifying that the loan has been paid off and executed. 

This proof of loan satisfaction is necessary for my records, and I kindly ask that you provide it at your earliest convenience. Please include details confirming the release of any associated liens and the closure of this account. 

Should you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Not XXXX XXXX or XXXX XXXX XXXX XXXX ca XXXX it wax update on there as that it incorrect
Product: Money transfer, virtual currency, or money service

Greetings : I made a Money Gram Transfer onXX/XX/XXXXusing the online service in the amount of {$100.00} + {$12.00} for the service fee totaling {$110.00}. The funds were deducted from my account onXX/XX/XXXXTwo ( 2 ) days passed and the receiver never picked the money up, so I canceled the transaction. I contacted Money Gram and they stated it would be up to 10 business days ( I think it was ) so I waited. I did not receive my money back in the 10 days as promised, so I called again. The second call, they stated give it to Monday which was 2 more days away. After that Monday, I called again and was told to give it to the end of the week. Again, I waited ; still no refund. I called again and was asked to check my bank account ( no refund there ) and was given an email to send a copy of the transaction showing it was deducted from my account. I did that onXX/XX/XXXX ( an entire month has now passed ). Please keep in mind that NO ONE has contacted me AT ALL regarding this matter. I'm the one who has to keep calling them and every time I call, it's always something else they are asking me to do to show proof. Today XX/XX/XXXX.. now almost 2 months have passed and they are asking me to send them my ENTIRE BANK STATEMENT as if what I sent isn't showing enough. I've sent that in as well as of today. Today, I called the complaint line to file a consumer complaint and was directed to this website. I'm contacting you guys because I use Money Gram frequently and to have such a hassle just to get back my own money is RIDICULOUS!! I AM LIVID, DISAPPOINTED, FRUSTRATED AND READY TO HAVE THIS RESOLVED. No one should have to go through such extreme to get their money back. Every thing requested OF ME has been done ... why can't they just release my money back.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Mortgage

When I bought my house 15years ago, I had an 80/20 loan. I thought they were both 30year fixed. The 20 % on ( now with PHH mortgage ) even said on the website. 9.875 % Rate / Conventional / 30 Years Term is what says online but that is not the case. 
Everything I do is online with them and I lost some of my original loan documents when my water heater flooded my house about 10 years ago. 

So I tried working with the mortgage company ( PHH ) to get an extension or refinance and was turned down. The loan modification dept. was no help and when I was working with a refinance person he said they wouldnt refinance this low of an amount.then we tried to combine both of my mortgages ( the balance on the 80 % one is XXXX ) for a total of XXXX and he said that was too low for what you need to qualify for with all of the fees and charges in Texas. He then said he would try to add {$20000.00} to it to take out in cash to raise the amount and called back and said that wouldnt work either. 

I need to save my house and feel this company has be deceptive as it states very clearly online it is a 30 yr term conventional loan Can you help? 



Thanks, XXXX XXXX XXXX XXXX XXXX Customer Experience Product Owner Res Agent Channels - Support XXXX Office XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHEDXX/XX/XXXX THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE
Product: Debt collection

I mailed XXXX on XX/XX/2021 and filed my FTC report to verify a debt that was reported in the amount XXXX that was never verity and they sent the debt to a debt collector. They are in violation of 15 usc 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX ~ {$16000.00} 2. XXXX ~ {$3000.00} The above accounts are continuously appearing on my Equifax report and I did not open these accounts and have written to Equifax to remove them as they are fraudulent. 
But Equifax either removes and replaces them or flat out do not want to remove even with proof and with an FTC Identity theft report sent out to them.
Product: Mortgage

I have repeatedly requested information on 1 ) how to remove escrow from my mortgage account with Caliber Home Loans, 2 ) and have twice requested by written letter it be removed. 

I requested the escrow account be ended on at least 2 separate occasions before I received instructions on the required process. The first was over the phone after I recast the loan following a very large principal payment on XX/XX/XXXX that put the mortgage account well over 20 % equity. That was followed by messages submitted in the online messaging center and over the phone in XX/XX/XXXX and XX/XX/XXXX. This was a long, drawn out process due to the fact that at every step of the process I was given incomplete information ( e.g., it took two months and multiple requests for the required recast request form to be sent. When I submitted the recast request, I included a note to remove the escrow. This was ignored. Eventually, I decided to wait until my homeowner 's insurance and property taxed were paid before removing the escrow account. 

On XX/XX/XXXX, I sent a signed letter with the instruction to remove my escrow account to the address provider ( Caliber Home Loans, Inc Attn : Escrow, XXXX. XXXX XXXX, XXXX, Ohio XXXX ) On XX/XX/XXXX, I sent the request again via certified mail which was delivered on XX/XX/XXXX at XXXX XXXX. 

I am today filing this complaint with the Consumer Finance Protection Board and sending a letter ( via certified mail ) to Caliber 's inquiry and dispute address : XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX.
Product: Credit card or prepaid card

I have submitted paperwork to the credit card company about this fraudulent account and it still reads as a charge off/close account. I am submitting case numbers for the FTC so that this unknow fraudulent account info can be removed from my credit report at this time. Here are the report numbers XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ). I can be reached at XXXX of any further info is needed.
Product: Credit card

I have had my XXXX XXXX XXXXXXXX card for around XXXX  years. I only have one or two charges associated with this card. I have a reoccurring monthly charge of {$16.00} from XXXX. Every month I pay {$16.00} to have a zero balance. It appears in XXXX an additional charge from an annual subscription of {$40.00} was processed on the card. I unfortunately did not see this statement and paid my monthly payment of {$16.00}. The payment went through on XX/XX/year> for the due date of XX/XX/year>. I received an email stating I was late on my payment and owe {$8.00}. I called the Capital One directly and learned that I had another charge that changed my minimum payment to {$25.00} for the XX/XX/year> payment. Due to this {$8.00} I was now charged with a {$25.00} late fee. The Representative would not remove the {$25.00} fee. I closed the card on this call and make a full payment via my Bank 's bill pay for a total of {$90.00}. My compliant as a consumer is that a fee of {$25.00} is beyond unreasonable for a lateness of {$8.00} and a card balance of approximately {$60.00}. The card company is charging interest at XXXX  % which is astronomical, but I accepted it. This fee is unfair, deceptive and abusive. This is why Bank 's have to have people opt-in to fees that are over the actual charge. Thank you for accepting my compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 credit cards with XXXX XXXX  that charged off. I settled the balance with XXXX XXXX  this summer XX/XX/2020and was told the balance would be deleted from my credit reports. Despite frequent phone calls to XXXX XXXX  where they have assured me they will correct the balance they have failed to do so. Last month they even reported an increase in the balance! This is ruining my credit score that Im working very hard on to improve. It is illegal that despite multiple requests to all 3 credit bureaus they continue to reply that the balance has been validated. I have the pay off documents that show the accounts have a XXXX  balance but I dont understand how the credit reporting agencies keep saying its verified ... how can the balance be verified if its truly a XXXX  balance but they are reporting balances on both accounts?