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

according to the fair credit reporting act 15 USC 1681 section 602 a states there is a need to insure that consumer reporting agencies exercise fairness, impartiality and a respect for creditors rights to privacy equifax, XXXX and XXXX are third parties reporting agencies that share which is backed by 15 USC 6801 which states it is the policy of the congress that each entity must adhere to these laws that protects customers, consumers, and creditors-me! and that the information is confidentiality of those customers non public personal information I have opt out from receiving any promotional, marketing, and or my information shared with other entities without my permission and this is a vioaltion
Product: Credit card

I was in XXXX in XXXX, and the rental car company charged me an extra {$810.00} for damage to the car that I didn't cause. I presented video evidence showing that the damage was there when I picked the car up, and they still took a deduction from my security deposit for it. I disputed this charge with Wells Fargo ( Dispute # XXXX ) on XX/XX/XXXX when I returned, and was told that I would be notified of any developments in the process. I never received any further correspondence, or a final decision, but my card was charged the full amount on XX/XX/year>. When I called Wells Fargo about this, they told me that the merchant had presented compelling evidence to support that this charge was warranted, and they had denied the dispute and closed the case. This was all done without notifying me, and never in the entire process did they give me an opportunity to present my video evidence proving that this was an incorrect and unjust conclusion. When I mentioned this on the phone, they told me that there was nothing they could do, despite their website clearly stating that there was an appeal process for cases like this. When I called back and spoke with a supervisor, they immediately reopened the case, but still never asked or gave me an opportunity to submit my own evidence. They promised that they would have an answer within 30 days from today ( XX/XX/year> ), and I have a recording of that phone call. Attached are the photos of the car when I picked it up, if that is helpful. Please let me know if there are any more documents or statements that would be helpful for this case.
Product: Credit reporting or other personal consumer reports

In XXXX, I was the victim of identity thief. I filed a report with the local police and with the FTC ( Identity Thief Report ). This breach impacted my mailing address ( changed with USPS by criminal ), my bank accounts, my driver 's license, credit cards and all three credit agencies. I closed the impacted accounts and placed a credit freeze, along with a 7 year extended fraud alert with all three credit agencies. ( Experian Report # XXXX ) In XX/XX/XXXX, I received an email from Experian stating that my personal information had been updated. Once again, someone had accessed my Experian account and changed my email and phone number. I contacted Experian ( Report # XXXX ) and was asked to mail a copy of my driver 's license, social security card, and a recent utility bill to them. I did this and they removed the false information. 

On XX/XX/XXXX, I received 4 emails from Experian. The first XXXX were each about XXXX minutes apart. The email said, " Thank you for contacting Experian customer service. '' The fourth email was about 2 hours later and said that my personal information had been updated. 

I contacted Experian and was asked to mail them my driver 's license, social security card, and a utility bill. ( XXXX XXXXXXXX ) I am so frustrated with this endless loop. The sequence of emails saying thank you for contacting Experian, indicate to me that the person simply keeps calling until they get an agent that is poorly trained. The fraudster eventually gets someone that will change my personal information with a single phone call. When I ask them to put it back to what it has been for 2 decades, I have to mail out my personal information once again putting it at risk. 

Given the serious consequences associated with HIPPA violations- disclosing ANY personally identifiable information, it is hard for me to fathom that a company that is this incompetent ( Experian ) at maintaining protected information is allowed to continue having access.

I genuinely have no idea how to stop this. It is the same person or organization from XXXX, because they used the same mailing address in XXXX and XXXX. They will not give up. They will continue to go to Experian, because they know that they are an easy target.
Product: Checking or savings account

I recently opened a checking account with BBVA Compass. Originally I opted in for overdraft protection until I realized that the fees were being assessed though an overdraft was not processed. I spoke with a supervisor on XX/XX/XXXX and as he credited me a credit for over draft protection and I agreed to opt out of overdraft protection. On XX/XX/, I transferred {$35.00} to my checking account to cover a transaction that I was about to make. My transaction went through. I was charged a XXXX fee. When the funds were in my account. My account is a XXXX because I have been charged {$38.00} 3 times. 1 for my purchase on XX/XX/ and 2 additional of for XXXX and XXXX. If I would not have been charged {$110.00} ( 3 XXXXX ), I would have XXXX in my account. In addition, on XX/XX/XXXX I agreed to opt out of overdraft protection due to the fees. The representative advised that computer automatically assess the fees to the account. BBVA Compass need to fix their system. This is an unfair and deceptive act and practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had specialized loan servicing for my mortgage account from April 2018-April 2021, and there numerous inaccuracies on my credit report from XXXX XXXX XX/XX/2019. My credit report shows that I was late on my mortgage. I was in the process of doing a loan modification on my home and i was informed by SEVERAL people within the company that this would not affect my credit. As well as once the modification was completed any negative reporting would be corrected. Well here we all two years later and 30-40 phones calls, my credit report is still showing late payments for that time period. This is very detrimental to my credit and my ability to obtain another home for my pregnant wife and daughter to enjoy. This is the one thing stopping me from being able to purchase another home and it's very unfair to have put my faith within a company to be truthful to their word and do right by me as a customer. Now that I have sold my home and no longer have an account with specialized loan servicing it has been impossible to have any communication from specialized loan servicing.
Product: Credit card

When Truist bought out BB & T I closed out the BB & T & called Truist. I explained I did not want to continue with Truist. I cut up the card and considered the matter closed. Truist called me sometimes twice a day trying to regain my business.I made calls & posting asking if anyone knew how to stop them but to no avail. 
Always, without exception, I pay my credit cards in full monthly. I have lived on Social Security since retiring and this am I went to my credit union. I asked them to please print out all I have paid monthly, called Truist, gave them the amounts and dates but Truist is not accepting my facts. 
I am told I can not close out the account until balance is paid. Total of XXXX plus.Soon to be XXXX. Then I asked to be transferred to the dept to get the final balance so I can get rid of this. I don't owe this but am XXXX and completely defeated by this action.Also the people I spoke with demanded my full social security number. I gave it but I thought that was wrong..* aAlso I do not know the account number except either XXXX or XXXX. 
I do not know the mailing address or email or anything. I called & cancelled BBT and cut the card up. 

I dont know what to do next. I was put on hold until my battery only had small time left so I hung up.

Then I decided to write to youXXXX XXXX XXXX XXXX XXXX and always prided my self on managing my affairs. But this has me stumped. Any advice you can offer will be greatly appreciated. I cant close the account so naturally the interest keeps growing, please advise. Thank you so much, XXXX XXXX XXXX. XXXX XXXX
Product: Mortgage

Im very close to having 80 % of my loan paid - so pmi can be removed. Flagstar says they dont have to remove pmi until a predetermined date. Ive asked what the amount is that I need to pay now. Flagstar bank says they have to submit this request and it will be 14-30 days before I get a response. She could not tell me what the course of action will be after the 30 days. 

I just want to pay enough of my loan to have pmi removed. There shouldnt be these hoops to prevent that from occurring. She said XXXX XXXX is the investor on my loan but she does not have a number I can call.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items that are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I tried contact with the bank citizen and sent the letter and evidence the bank not received and i called probably 25 times about the fraud of XXXX more fee the bank not give my money back i did the contact with business bureau the bank not did contact with me and not fix the situation, i loser XXXXa lot money and more fee of bank i am not happy with the customer service Clain XXXX
Product: Debt collection

I have reached out to original creditor multiple times and disputesd with credit bureaus. I am not responsible for charges on this account. My information was taken when I was in treatment for XXXX XXXX in another state.
Product: Debt collection

I am filing a complaint against KAY JEWELERS because they are attempting to collect a debt that I do not owe them. Account Name : KAY JEWELERS, Account Number : XXXX I would like for KAY JEWELERS to show proof of verification that I owe them {$1500.00} with the account above. To my knowledge, this account has been paid. KAY JEWELERS is reporting inaccurate information on my credit report.
Product: Mortgage

XX/XX/2021 Attn : Very Urgent Please! 

Lender : XXXX, XXXX, Loan Number : XXXX, XXXX Lender/Servicer Address : XXXX XXXX XXXX, XXXX, MI XXXX XXXX : XXXX XXXX XXXX, Cell : XXXX XXXX XXXX Home Address : XXXX Mosticone Way, XXXX XXXX, NV XXXX Dear Sir/Madam : On XX/XX/2021, we submitted a request online to Remove our PMI ( Private Mortgage Insurance, $ 331 Monthly ) since the value of our property had gone up way more to satisfy our lender 's requirement of removing PMI when it reaches an LTV ( Loan to Value ) of 80 %. Today current estimates on our home is at {$580000.00} with XXXX and {$590000.00} with XXXX. Also, recent sales and houses comparable around the neighborhood less or a little more square footage and lot sizes compared to ours have been sold from {$550000.00} to {$620000.00} during the last 90 days. Current Balance owed : {$410000.00}. 

On XX/XX/2021, XXXX, XXXX responded to our request with instructions. However, it took take them more than a month, XX/XX/XXXX to be exact before we received the request form that they said we need to sign with an appraisal check to formalize the request. To make the story short, the signed request form along the {$150.00} BPO check as instructed were returned to them the same day via Priority Mail. 

However, yesterday, XX/XX/XXXX, we received another mail from them stating that our loan is now being transferred to a new servicer ; XXXX XXXX XXXX XXXX with telephone XXXX. 

We are not sure whether this is intentional or a coincidence but this looks very suspicious and perhaps a tactic to delay the cancellation of our PMI. Hence, we would truly appreciate any urgent help you can provide to make this work for us. Since our current Loan Servicer, XXXX, XXXX also stated on their notice transfer letter that the last day they'll accept any check from us will be on XX/XX/2021. Just a few days from now. 

Sincerely, XXXX XXXX XXXX, Tel : XXXX, Email : XXXX XXXX XXXX XXXX XXXX : XXXX, Email : XXXX XXXX
Product: Credit reporting

MY CREDIT IS SHOWING SEVERAL DIFFERENT USE 'S OF MY SS # I WAS UNDER AGED AND HAD NEVER USED MY SS # PRIOR FOR CREDIT OR HOME USE. I WENT TO ATTEMPT A PURCHASE OF A VEHICLE AND DEALER TOLD ME THERE WERE 5 CHARGE OFFS ON MY CREDIT. SOMEONE IS USING MY SS # FOR APPARTMENTS. I WOULD LIKE THIS TO BE REMOVED AND SECURED BY PUTTING AN THEFT ALERT ON THE CREDIT PLEASE ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$380.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
Product: Debt collection

The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.
Product: Mortgage

In XX/XX/2022 Loandepot posted my wind insurance policy amount 2 times to my escrow account. They also posted an unidentified {$300.00} to the escrow account. This has caused a recalculation of my mortgage payment from {$1100.00} to {$1500.00}. The current payment is {$1400.00} which represents a 36 % increase due to Loandepot 's error, not mine. I can not afford to continue to pay the inflated amount which was caused by Loandepot. 

This has also caused my monthly extra principal payment to be posted to escrow instead of reducing my principal balance and interest paid since XX/XX/2022. 

I've called multiple times and was told they were correctly it, but today I had my autopayment returned and again, had to repay the increased amount to keep my mortgage in good standing. 

After 4 months of trying to get them to correct their own mistake, I'm reaching out to you in hopes that a complaint will force them to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XX/XX/XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my TransUnion credit report and discovered that there is an account on my report that does not relate to me. The account is an account under the name of XXXX XXXX XXXX XXXX. I tried on several different occasions to communicate with Transunion and they have ignored the section 605B of the FCRA. I was a victim of identity theft. I sent over to them my documentation and identifications including the FTC ID affidavit signed and notarized and police report case number for their own investigations and verification. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report. 

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits. 

Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B. 

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. This account needs to be removed from my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/1986 XXXX XXXX XXXX XXXX Florida XXXX
Product: Checking or savings account

I tried to open an acct online and I have to agree to this term ( which I do not agree nor want ) Consumer Report Authorization By choosing " Next, '' you authorize us to obtain consumer reports that we may use when considering your application ( your credit score will not be impacted ). You also authorize us to obtain subsequent consumer reports and any other information about you in connection with 1 ) the administration, review or collection of your account and 2 ) offers of enhanced or additional products and services or for other legitimate purposes associated with your account.

Check this box if your information is correct.

I didn't check the box because I will not like my credit to be pull now or ever unless I am looking for lending products. I called the office in XXXXXXXX XXXX and I was told even if I come to an office, they can't bypass the option. not quite sure why and why is it necessary to just open a checking and savings ( not even debit card since I do not want one either ). I will like someone to look into this and see why is it necessary if i am not getting a lending product and even if I decide on a lending product why would they do subsequence pulls of my credit? 

Please help me figure this out since the employees do not seem to have an answer or way to bypass. 

thanks XXXX
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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX/17 I filed a dispute with Experian about a credit card that showed up on my credit report that I 've never had nor applied for from XXXX XXXX XXXX in Delaware. Simultaneously I filed a complaint about the same card with XXXX. XXXX promptly deleted the account from my credit report. Experian however has not deleted this credit card from my account after emailing me that they had " resolved '' this issue claiming in effect that this card belongs in my credit history.
Product: Credit reporting

Inquiries not authorized are on my file and trans union says it is a matter of public record that ca n't be disputed