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

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX XXXX XXXX XXXX with a balance of {$20000.00}, a personal credit card from XXXX XXXX XXXX Credit Card with a balance of {$1000.00}, a XXXX XXXX account with a balance of {$2600.00}, an account with Elevate XXXX XXXX XXXX. {$1300.00}, a XXXX XXXX XXXX account bal. {$1300.00}, XXXX accounts with XXXX. XXXX XXXX. {$1700.00}, XXXX XXXX. {$1000.00}, XXXX XXXX. {$6500.00}, XXXX XXXX. {$2600.00}, XXXX XXXX. {$4500.00}, XXXX XXXX. $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit file. As a victim of a data breach that resulted in the unauthorized use of my personal information, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent entries removed. 
Accounts : 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 XXXXXX/XX/XXXX
Product: Mortgage

Every XXXX I receive an escrow analysis for my home that I purchased on XX/XX/XXXX. Huntington had been paying insurance and taxes on my home with my monthly mortgage payment. 

I was very curious this XX/XX/XXXX because I wanted to know what my new payment would be after covid and everything generally increasing. My payment went from around {$500.00} to {$900.00} a month because there was a negative balance in my escrow. I later found out that my taxes had not been paid to the city of XXXX for almost XXXX years. I actually received a letter from the XXXX of XXXX stating I was subject to losing my home. I had no clue any of this was happening. 

After calling and speaking with numerous people, I learned a parcel was " missed. '' This was their exact words. And I'm baffled since they had been paying every year with no problems since I moved in. 

Now, I am scrambling to figure out how I will pay my new monthly payment when this is NOT my fault. I already got another part time job in addition to teaching full time. 

An apology would be great, as they have yet to admit to their HUGE errors, but I also have requested all my documents showing that they have paid the taxes since XXXX, and a resolution that is reasonable and affordable. 

They sent me a refund check late in XXXX. This was probably done in error. Shouldn't I only be responsible to pay that back? I'm still not sure what happened in XXXX. They are doing a review, and I am trying to patiently wait, while my supposed new payment of exactly {$930.00} is due XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an unauthorized account listed under my profile as an authorized user on an account with CITICARDS CBNA Account # XXXX I never gave permission to be added as an authorized user on this account, nor did I sign any agreement or provide my consent.

Under the Fair Credit Reporting Act ( FCRA ) 609 & 611, I have the right to dispute and remove inaccurate or unauthorized information from my credit report.
Product: Credit card or prepaid card

My complaint is recording my XXXX XXXX XXXX XXXX account. 

For the past four years I have lived overseas because of my husband 's job. For three of these four years, I have been able to go onto the XXXX 's website to see my account statement and pay my bill. However, this past year XXXX 's updated their website and required users put their account/credit card information into the site as if for the first time. This was a problem because I do n't have a current XXXX 's card - XXXX 's never sent it. The only card I had was expired, which would n't work on the site. I called customer service several times about this and was told that XXXX 's will not send either a credit card or a paper statement to an overseas address. In an attempt to compromise, I asked if I could give them my son 's address in Virginia. He could get the bill and send it to me by email. He never got anything. 

On XXXX XXXX XXXX, I wrote letters to both XXXX 's billing and their credit departments for a solution. XXXX 's reply ( XXXX XXXX XXXX XXXX came in the form of an email saying to go the Document Center online to see a very important letter that could affect my account. Please note that this is in response to a letter saying that I have no access to my account online. 

I contacted a customer service representative on XXXX XXXX XXXX site on XXXX XXXX, again to try and get a result. The response I got today ( XXXX XXXX ) by email categorically stated that XXXX 's will not send a paper statement to an overseas address and suggested that I call the customer service center if I had any further questions. I do not want to do this for two reasons : 1 ) this is not just a long-distance call for me, but a trans-Atlantic call and 2 ) the service center has proved unhelpful in the past. The email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX did contain this month 's statement. When I looked at the address on the bill, it was indeed my son 's address ; however, XXXX XXXX failed to put c/o [ my son 's name ] in the address line. The address simply had our names and our son 's address. I 'm assuming that the post office has returned said mail as not living at this address. That said, I do n't think it 's fair to put the burden on my son for me to get my bill. 

Over the past 6 months or so, I have been paying my bill blindly through my bank hoping that I was at least paying the minimum amount. As we were in the process of moving from XXXX to XXXX, I did n't really have the time to deal with it, which is why it has taken me this long to file a complaint. I do n't want to be issued credit, I just want a bill so I know what I am paying. 

Please note, the account is in my husband 's name but I am an authorised user.
Product: Vehicle loan or lease

Wells Fargo took all payments I designated in writing that were to be applied to the principal ( extra payments ) and did not apply to principal. My loan is fully paid but they owe me several thousand dollars. I called more than 10 times trying to get the situation straightened out. Usually they said it was fixed but it was not or they hung up one me. <P/>They sent an unacceptable explanation that did not address the issue then refused to answer the 15 calls I made since I filed a complaint here. THEY HAVE NOT ADDRESSED THIS ISSUE yet the case was closed with their explanation that simply showed my payments and even showed that they indeed did not apply the payments to the principle as requested which is the entire basis of the complaint!! <P/>Why was the case closed without being addressed? <P/>**attaching proof of my payments is not answering the problem. They refused to apply my extra payments to principal regardless of how many times I called and asked. I was told the payments were applied to principle then when i found that they were not i was then told it was too late. This is unacceptable.
Product: Credit card

I was called on the phone by a company claiming to be my bank and then transferred to a company claiming to be the Consumer Financial Protection Bureau. XXXX XXXX, XXXX. 
XXXX. They claimed to know my credit card debt and offered a restructuring of my debt for a fee of {$4500.00}. This seemed to be a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To FCRA XXXX XXXX XXXX XXXX, DE XXXX Sub : URGENT My home mortgage will be disqualified due to XXXX XXXX Barclays Credit Card Reporting 's misuse of late payment history. That was their Error on account number XXXX Dear Sir/Madam : I tried to close the account in XX/XX/2022. However, I Was encouraged to keep the card open to obtain millage Barclay 's customer service agent. I have requested a paper statement, but they set me up online only. 

I missed my first payment ; however, upon reviewing my account, I realized that I needed to make a payment which I did by calling customer service and in and paid {$100.00} also requested to set up AUTO pay. I never had any issue with auto pay with all my accounts except for Barclays. In XXXX, I got an alert through my credit monitoring that I missed payment on Barclays ; I called them immediately and asked them to investigate ; the agent agreed that I was requested to be set up auto-pay, but previous agents missed. They have given a refund on late fees. 
Today, I am trying to purchase a house and getting disqualified due to this Error by Barclay. I would request that Barclay fix my Credit report and make a change in policy to prevent others not to suffer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Consumer Reports, I have identified instances of late payments recorded on an account for which I have always made timely payments. It is of utmost importance that Consumer Reporting Agencies fulfill their obligation to accurately report consumer information to the best of their abilities. I would like to draw your attention to the specific account in question : XXXX with the associated account number XXXX I kindly request a comprehensive investigation into this matter and kindly ask for supporting evidence in the form of statements that substantiate the reported lateness of these payments. In the event that it is not feasible to provide such evidence, I firmly demand that these payments be corrected and updated to accurately reflect their true status as on-time payments. I want to emphasize that I have consistently made timely payments and it is crucial that this information be faithfully represented. 

Thank you for your prompt attention and prompt resolution of this issue. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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

This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX/XXXX/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Vehicle loan or lease

Complaint that Defendant Santander Consumer USA Inc. violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b,
Product: Money transfer, virtual currency, or money service

I am filing 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 proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX i financial loss, and I seek appropriate redress These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I went into a branch in XXXX, OR in XX/XX/2020. I asked to withdraw the remaining {$100.00} out of the account and close it that day. They told me I couldn't close the account or withdraw the funds. I was told they would look into this situation and I never heard back. I was shocked with their response and I'm XXXX years old and don't live anywhere near a local branch, it's a 200 mile round trip for me. I have never been told, " I can't close my account and withdraw the remaining balance ''. The account is active and I still get statements but I wish to close it and withdraw the funds now. This account is in good standing and should have been available to me to take care of in XXXX. I want a full explanation of why they turned me away and I want them to get this done immediately and send me a check to my PO Box .
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates LLC placed a collection on my consumer credit file with all three credit bureaus. I was not aware of this item until it was reported and I saw it via an online report in early XX/XX/XXXX. On XX/XX/XXXX I sent a request for debt validation certified with a return receipt. The return receipt is dated XX/XX/XXXX with signature. They stated ; The following information is being provided in response to your recent communication concerning the account referenced above. Account number XXXX by the Seller to PRA, LLC on XX/XX/XXXX. at the time of the sale, the seller provided an electronic file of its business records containing information concerning the account, a summary of the account can be found below. Please contact us if you would like to receive a payment history to this account since our company purchased this account. 

pursuant to usc 15 1692g I am requesting the company known as Portfolio Recovery Associates LLC stop reporting this inaccurate information to my consumer credit file 's. they did not supply me with the requested information to prove I owe this money to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the following accounts below from my report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00}
Product: Checking or savings account

On XX/XX/year>, I discovered a pending unauthorized transaction on my business bank account for {$1700.00} at the XXXX XXXX. I immediately contacted the banks fraud department to report it. They informed me that they could not take action until the transaction posted. 

On XX/XX/year>, the transaction posted to my account, and I promptly filed a formal fraud claim. On XX/XX/year>, I received a decision from the bank stating that they denied my claim because they believed my card was present at the time of the transaction. However, I have had the physical card in my possession at all times, even after it was deactivated on XX/XX/year>. 

Through follow-up inquiries, the bank disclosed that the online transaction involved an email address and a delivery address not associated with me. The only correct piece of information used was my billing address, suggesting identity theft. I have never authorized this transaction and received no benefit from it. I filed a police report on this matter. 

Despite multiple attempts to resolve the issue and a letter requesting reconsideration of my fraud claim, the bank has not reversed the charges or provided any documentation justifying their conclusion. It has now been several weeks since my last communication, and I have not received any response or further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I trust this message finds you well. I am writing to bring to your attention a matter of concern pertaining to recent disputes filed with TransUnion. On the dates XX/XX/23, XX/XX/23, and XX/XX/23, I submitted disputes with the expectation that the Fair Credit Reporting Act would be upheld, ensuring a thorough reinvestigation. 

Upon reviewing my current credit reports, it has come to my attention that there is a notable absence of evidence indicating that the credit reporting agencies have diligently pursued the required reinvestigation process. This oversight is disconcerting, and I believe it is imperative to address this issue promptly. 

I kindly request your intervention in investigating this matter further and facilitating the necessary steps to ensure compliance with the Fair Credit Reporting Act. Your assistance in resolving this discrepancy is greatly appreciated. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on TransUnion Please look into this new complaint as soon as possible
Product: Mortgage

I would like to make a complaint about Nationstar mortgage. They purchased my mortgage from Nationwide mortgage in XXXX 2011 and immediately claimed that I was not making my payments. I never missed a payment. They claimed this until the end of 2011, even though I made every payment that year through electronic transfer. My lawyer told them that we could prove payment, but they did not was to hear it. They started the foreclosure process in XXXX 2011. My lawyer worked with the mortgage company directly and even worked out a short sale with them until they got a lawyer involved who told us that no short sale will be allowed and my lawyer had to stop all contact with Nationstar directly. For the next 2.5 years we tried to get this situation resolved but to no avail. The lawyer did not care about the proof of payment and kept telling my lawyer he never received the proof even though it was sent to him multiple times in several different ways ( the same happened with Nationstar when we send them documentation showing proof of payment ). Our lawyer then told us to try to get a government refi loan and claim bankruptcy, so we did. We filed all the paperwork for the new mortgage, had a specialist help us fill out all the paperwork ( he even told us that we should be approved ), but Nationstar denied the loan application saying that it was n't applicable for this situation. We even told them once again about never missing a payment and that this whole situations was started because of a mistake on their end, but they denied any claims we made ( even with the proof ). Now we are going to lose our home due to nothing we have done wrong, my lawyer has washed his hands of the situation saying that he ca n't work with this company, that they are the worst company he has ever had to work with. So please help us, we really do not know what to do now.