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

Inflicting another breach, they reported an adverse account in violation of 15 USC 1681C ( a ) ( 5 ), which clearly states that reporting agencies can not publish any adverse item of information without specific authorization. This includes items which predate the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} XXXX XXXX Balance : {$6100.00}
Product: Mortgage

My mortgage lender Caliber Home Loans sent me a letter stating that I need to contact them to opt out of communications that involve them sharing my private info with their affiliates. Their letter was confusing and stated that I could send an email to XXXXXXXXXXXX to opt out. I sent an email with that request but it bounced back with the following errorDelivery has failed to these recipients or groups : XXXXXXXXXXXX ( XXXXXXXXXXXX ) Your message ca n't be delivered because delivery to this address is restricted. 
For more information about this issue see DSN code XXXX in XXXX. 


They appear to be making it very hard to opt out for a consumer. There is no link on their website to do this via a profile setting ; you must send an email to an address that does n't accept emails. 

XXXX XXXX
Product: Credit card or prepaid card

My identity was stolen and they tried to a business account with JPMCB. Filed police and ftc reports notified JPMCB, provided all information requested via mail to JPMCB and they will not respond nor remove it from my credit report nor give me copy of the application. Did a follow-up letter as per ftc identity theft and JPMCB ignores me. I want it off my credit report and copy of the application falsely submitted using my name to give to police to further assist with report
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from XXXX that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from Equifax on XX/XX/XXXX, Account No XXXX and immediately put back on in XXXX I can not locate my XXXX report for XXXX but the removal date was the same. XXXX showed that negative reporting began in XXXX to be removed in XXXX of last month. 

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this XXXX  has deleted all my favorable credit and left me with just XXXX. My XXXX XXXX that I purchased in XXXX no longer shows and a few more that were updated in XXXX and were paid in full The XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me
Product: Checking or savings account

The morning of XX/XX/2023 someone entered u.s.bank in XXXX XXXX XXXX. Deposited a XXXX check into my checking account. Then he withdrew XXXX from my account after teller told him how much was available for withdrawal at time of deposit. Bank called me 30 minutes after withdrawal to verify I had made deposit and withdrawal. I said no and she locked the account and me to go nearest branch and fill out fraud complaint paperwork. I did this paperwork 3 different times because he time I inquired, they said they needed it again. 4 months later, I'm still without my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY TO OPEN ( XXXX XXXX AND A CAPITALONE BUSINESS CARD THAT DOES NOT BELONG TO ME IT COMING UP ON MY CREDIT REPORT AS A CHARGE OFF ACCOUNTS I DO CURRENTLY HAVE 2 OPEN CREDIT CARDS WITH XXXX  XXXX THAT DOES BELONG TO ME THAT I AM AWARE OF ( THE CHARGE OFF ACCOUNT FOR XXXX BAL ACCOUNT NUMBER XXXX ) IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT BECAUSE IT WAS OPEN FRAUDULENTLY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate 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 Service for other possible violations of the law.
Product: Prepaid card

I have 3 AMEX pre-paid gift cards totaling {$1500.00}, each card valued at {$500.00}. I received one as a gift from my uncle and two from my employer as part of a rewards-program. I have tried to use them consistently ( confirmed they are active on the AMEX online site to check ) but they have always gotten declined. I have confirmed the balance as well for each card in the AMEX online site and each one still has {$500.00} on them. I can confirm the card number details as well. 

AMEX won't resolve this issue and does not inform me what merchants the cards will magically work at. I have tried to use them multiple times to no avail. This is not acceptable.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Theinvestigationdidnotfixerror
Product: Mortgage

I sold my home in XX/XX/2023. XXXX XXXX XXXX notified SPS Loan Servicing that the property would be sold, and a payoff quote was required. SPS requested a payoff of {$210000.00}, which included an overpayment of approximately {$2300.00} related to the escrow account. The first issue is SPS failed to reconcile my escrow account before the sale and overcharged by roughly {$2300.00}. 

After the closing, I contacted SPS to request an escrow reconciliation, which they provided dated XX/XX/2023, and mailed to XXXX XXXX XXXX, XXXX, XXXX XXXX, and I received via USPS. 

Since the property sale, I have continuously called SPS to get my escrow account refund. Each time I called, I was informed that a check had been mailed, and they would proceed with re-issuing a new check and a stop payment on the old check. Note that the USPS had been notified to forward all my mail to my new mailing address, and no check was ever received. 

On XX/XX/2023, an account representative informed me that the check had been cashed on XX/XX/2023, and no new check would be reissued. I have two issues : ( 1 ) I had called several times before XX/XX/2023, and this is the first time I've heard of an issue, and ( 2 ) I never received or cashed this check. During this call, I requested a copy of the cashed check to move forward and file a fraud complaint, and I have yet to receive it via USPS. 

On XX/XX/2023, I called SPS, letting them know I had not received any correspondence regarding my request for a copy of the cash check. I was told it would be re-requested to be mailed out again, AND I am assuming to be mailed out again means via USPS, not paperless on their platform, which I can not access anymore. 

On XX/XX/XXXX and XXXXXXXX XXXX I received two emails to review my SPS account for new correspondence. On XX/XX/2023, I tried logging in several times and seemed locked out of the account. This was not the case on XX/XX/2023 ; I logged into their platform successfully to see if any requested information was placed there without any issues. 

On XX/XX/XXXX, I called SPS twice to have a representative help me reset my account password to access their platform to review my documents. I was informed that I no longer have access to their platform since my loan has been paid off ; however, they're sending paperless communication through that platform and not using USPS. 

For the last six months, I have been trying to get back my overpayment of approximately {$2.00} from SPS Loan Servicing. Had SPS reconciled my escrow account before the sale of my house, this would not have been an issue. I don't understand how a loan processing center doesn't have accurate financial records, as I know they're subject to regulatory audits. 

I, XXXX XXXX, swear that I have not received a check from SPS related to this issue, nor have I cashed this check. I have been jumping through hoops with them, and I need this resolved as I need my refund. Below is my name, account number and property address. 

XXXX XXXX Account Number : XXXX Property Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX
Product: Student loan

I 've been working for a XXXX employer since XX/XX/XXXX. I recently ( XX/XX/XXXX ) had my loans transferred from XXXX to Fedloan Servicing ( Pennsylvania Higher Education Assistance Agency ) as part of signing up for the Public Service Loan Forgiveness program. 

They have been dragging their feet in explaining to me why they only counting my qualifying payments from XX/XX/XXXX forward, which means I would have to pay for an additional 3 years before my student loans are forgiven. They have made no attempt to properly explain their logic for determining this decision, nor have they sent me any kind of communication regarding my PSLF payments. 

I 've spoken with customer service reps and I 'm either given conflicting answers or no explanation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Transunion Credit Bureau is reporting inaccurate information on my credit report. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

This complaint is with XXXX XXXX Experian report # XXXX. In response to your recent claim on XX/XX/year> that XXXX XXXX has verified that the account they are reporting under my name is accurate.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated or electronic response or e-oscar verification is unacceptable. I am requesting a reinvestigation AND your method of verification. I also request that the results be sent via XXXX only. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. If you can not provide the requested information. I kindly ask you delete this account from my credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX AXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I opened a dispute claim with XXXX Credit Card issuer Elan Financial Service, the date of dispute XX/XX/XXXX for XXXX in the amount of {$730.00}. Since that date of opening the claim, the company XXXX Credit Card/Card Member Service/Elan Financial Service never requested supporting documents. The date of XX/XX/XXXX the case manager XXXX, called back from a spam phone # XXXX, stating that the XXXX claims department, had submitted supporting documents that says otherwise from what my claim was. I advised XXXX that I have supporting documents that support my claim, she advised if she did not received documentation by the end of business day of XX/XX/XXXX, she WILL close my case and I can take my matter somewhere else, I was appalled by the way of ethics they manage their claim process, I tried to explain that they are not allowing a reasonable timeframe for someone to provide supporting documentations, XXXX stated that it does not matter to her, if the supporting document was not received by XX/XX/XXXX, she would closed the case. I had to pay {$8.00} to have the documents fax as they requested. I called back and asked for a Supervisor to call me back. On XX/XX/XXXX I received another call from the same phone number by a Supervisor called XXXX, she has no idea why I requested the call back, & that they received their documentations and that was the end of it, when I asked about their ethic handling of their claims and threats, she just stated we do what we do and that is all. When she was asked if she listened to the call from the previous rep, her response was " we do not record those calls ''. Which basically means the handling of the call from either of them have no repercussion because they can say whatever they want without anyone listen to their handling of calls. When I asked if this was their way they conduct their case management process & their response was that once again, they do what they do.
Product: Checking or savings account

Im currently having an issue with Capitol One bank. They have allowed, on three different occasions, for transactions to double charge. Ive observed that its the transaction with the tip that is pushed through and the transaction without the tip stays in pending, which appears as a double charge and has sent my account in negative on XXXX different occasions. My account is negative {$130.00}. The first two times it happened. I contacted the merchant and the merchant confirmed. They did not double swipe my card, and there werent any errors with their computer. as long as Ive tipped, Ive never had this issue where the transaction appears twice and sends my account into negative.
Product: Credit reporting or other personal consumer reports

My address is wrong and I want only One address reporting on my report. I have sent this request in several times. Dear consumer department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of you legitimate AUTHORITY to retain much less report without infringing my consumer rights. You are not authorized to report my Social Security number on my credit report or sell any information containing my Social Security number to any company. Reporting my Social Security number on my record report arises a safety issue and opens me up to potential identity theft. Immediately delete any and all Social Security numbers that your company is reporting on my credit report. My date of birth is XX/XX/XXXX. I do NOT have any requisite OTHER dates of birth, and I do NOT desire any OTHER dates of birth to be retained or reported if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported. If ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that timeframe, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/23 I made payments totaling {$750.00}. I checked my account and saw charges disguised as fees on my card. They were fees from merchants but I havent used the card for retail merchants for several months. I tried to dispute the charges online using their online system but it doesnt allow me to.
Product: Checking or savings account

On XX/XX/XXXX a XXXX I had with Popular Direct, ( XXXX XXXX XXXX, XXXX XXXX, Florida ) matured. I called to have it redeemed with funds mailed to me. I have a XXXX XXXX with Popular direct and I followed the same procedures I have done each month since 2022. 
XX/XX/XXXX : Popular issued a check for XXXX. I received check in the mail. 
XX/XX/XXXX : I deposited the check XX/XX/XXXX : Popular put a stop payment on check. Funds were therefore removed from my checking account. 
XX/XX/XXXX : I called Popular at XXXX XXXX. I was told they were unclear as to why stop payment was enacted. They told me they would look into it and call me back on the phone number they had on file. They did not call back. I called them at XXXX and spoke with XXXX XXXX. He said they would overnight me a reissued check at no charge to me. 
XX/XX/XXXX : I gave them extra time to get me the over nighted check. None was received so I called and spoke with XXXX. She could not explain why the stop payment was issued. She said she was marking my case as urgent and she would personally expedite an explanation and would have the check overnighted. I told her I wanted to speak to a supervisor. I was transferred to XXXX. She indicated the matter was an issue with processing. She would investigate with internal department to see why stop payment had and she would call within XXXX hours with an answer. I waited XXXX hours and never received callback. I called Popular. This time I spoke with XXXX. He said XXXX was unavailable, but would have her call right back. She did not after another XXXX hours. I called back at XXXX. I spoke with XXXX again. She said she would escalate the urgency of the matter. She told me I could not speak to any supervisors as all were unavailable. She told me the head supervisor was XXXX and I should call back between XXXX the following day. 
XX/XX/XXXX : I spoke with XXXX. She said all supervisors were out until Wednesday the XXXX and that I should call back then. 
XX/XX/XXXX : I spoke with XXXX he said still no supervisors available, and they were well aware of the issue.
Product: Credit reporting or other personal consumer reports

I am trying to get qualified for a house and lender is unable to get a report from Equifax. The same information was provided to the other XXXX credit berus and they reported with no issues. When i called Equifax they claimed that they cant see any issues why the lender wouldnt be able to pull my credit. I explained again that they can not pull it and i need to speak to some one to help resolve the issue because there has to be an issue because even when i try to see my credit report on XXXX XXXX i get an error that it cant be pulled and to contact Equifax. They refused to transfer me or do anything to help me resolve the issue they told me to call the business number when i did the business side said they dont know why they told me that they dont have access to my report. I also tried getting un updated report from them and I kept getting the run around about that, I disputes on my report that i had to take off and i was trying to get an updated report showing they are gone, I was told to go to annual credit. com and it would show the update and it didnt so i called them back and was to told if i signed up for thier preimum service i would be able to pull an updated report and i was not able to i could only get a summery. Lots of false information and my lender still can not pull my report frome them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted XXXX, XXXX, and TransUnion multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with XXXX. XXXX is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with XXXX multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that XXXX updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.