23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2024 XXXX XXXX  XXXX. in sole capacity of Trust filed change in Escrow with the XXXX XXXX XXXX North Carolina Bankruptcy Court-XXXX  XXXX indicating change in escrow to reflect {$560.00} to {$650.00} effective XX/XX/2024. However, this violates but is not limited to 1024.17 ( c ) ( 3 ) of the Consumer Finance Protection Bureau procedural code
Product: Credit reporting or other personal consumer reports

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, American express accounting ending in XXXX and American express XXXX XXXX XXXX ending in XXXX and any other American express account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 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 21 days before the payment due date. American Express corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the XXXX credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXXXXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$27000.00}
Product: Mortgage

I got a refinance from Supreme Lending out of XXXX, XXXX ( XXXX XXXX ) and because of a miss communication they have denied me the new loan. I have a XXXX XXXX years ago. I dont do well under pressure. Its now XXXX months behind. I got a lawyer group to do this for me and they screwed it up. I had to give them {$3700.00} retainer. Im screwed I think. XXXX XXXX is the firm. XXXX. Im not well and they knew this. Please help Im at XXXX or email XXXX The XXXX referred me to you
Product: Checking or savings account

I received a phone call from USAA collection representative discussing an overdrafted checking account at the beginning of XXXX. I informed the representative that due to covid-19 affecting our household, I would be delayed in handling this matter ; but would have the account balance in the positive prior to XX/XX/XXXX when the account would be charged off. On XX/XX/XXXX, {$100.00} was transferred to the checking account ; bringing it to a positive balance - fulfilling my obligation to not have the account closed on XX/XX/XXXX. Stop payment orders were also requested for future attempts of these charges - as I had corrected the billing information with those companies. On the morning of XX/XX/XXXX, the checking account showed a positive balance of {$0.00}, another attempt for the same charge ( which a stop payment order of future charges was already requested ) was processed at the end of the day, overdrafting the account in a separate incident. I was not notified of this, no attempt was made to recontact me via phone per the notes on the account written by the previous representative. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX, which stated my checking account had been closed. USAA policy is that an account in an overdrafted or negative status for 41 days will be charged off. As my account was positive the morning of XX/XX/XXXX, when the account was closed on XX/XX/XXXX, only 7 days had passed. 

After filing a complaint with the XXXX, USAA purposely triggered the 6 day Answered Assumed timer on XX/XX/XXXX. They waited until XX/XX/XXXX to contact me to inform me they would take no action on this matter and make no attempt to resolve. 

I have not had access to the checking account to be able to verify any of the information they gave me and the corresponding account which triggered the NSF fee does not show an attempted payment on the day they sited. 

I had done my due diligence and had corrected the billing issue with XXXX XXXX, I had corrected the negative balance, to all objective observers agreement, to the exact specification that all available information told me - including the USAA representative who initiated the conversation on XX/XX/XXXX.
Product: Debt collection

i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Saw this morning on all 3 credit reports an account that dont belong to me. Never opened. Have no knowledge of. XXXX XXXX needs to be deleted off. This is fraud identity theft. I have a fraud alert on file on all 3 credit bureaus. Also have security freeze. No one called the number on my fraud alert. To try to get this loan. This loan was not open by me nor was open to anyone I know. I did not give Permission To anyone to act in my name or give my personal information to anyone. There is no inquiry from this company on my reports. Please block take off delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report. Please see attachment
Product: Credit card or prepaid card

While traveling for work on XX/XX/2021, I received a text that my Capital One XXXX  XXXX  was charged for {$1100.00} from a location in Virginia. I was in NC at the time, so I said I didn't make the charge. Turns out it was a legitimate charge from XXXX, who charges in advance from their XXXX, not the local branch where you are, which I did not know at the time. The card was cancelled and the charge reversed. I got a XXXX balance receipt at that time from XXXX, so I didn't realize they hadn't been paid. XXXX did not respond to the dispute so I didn't know the charge was from them until they sent me a " do not rent '' letter in XXXX. When I received the letter, I realized they had not been paid and I provided my credit card info to them on the form they provided at that time. On XX/XX/XXXX, XXXX XXXX XXXX, a collection agency retained by XXXX, contacted me about the same issue. I told them I had provided XXXX with updated credit card info, and they assured me that it often happened that XXXX didn't use the information they were provided on mail in forms, so I gave them the same credit card information to resolve the issue. Both XXXX and Viking charged me the {$1100.00} on that very same day, XX/XX/XXXX. I contacted Capital One by telephone and was told to work it out with XXXX since XXXX had failed to follow the proper dispute procedure. I exchanged emails with XXXX for the next 2 months, culminating in XXXX sending me an email in XXXX acknowledging that I had been charged twice and that they had refunded the money to my bank on XX/XX/XXXX so I would have to work it out with Capital One. I tried for the next month, but Capital One now says they never received the money and recharged my account for the {$1100.00} on the bill this month. They stated that the dispute is outside the timeframe for resolution according to XXXX XXXX guidelines, so there is nothing they can do and they are refusing to help me. XXXX " Customer Service '' is not responding to emails and refuses to elevate the matter to supervisors as I have repeatedly requested. Further complicating the matter, I received a check form XXXX  Services for {$720.00} in XXXX. This matter is the only time I have ever interacted with XXXX, so I called them and asked why they had sent me the check. They could find no record of the file number written on the check and could provide no information as to why I received it. If that check was supposed to be a refund for the second charge, which is the only thing it could logically be, it is {$390.00} short. I need someone that these corporations will listen to to get them to look at the data and resolve the issue. I have it all documented and it is plain that one of them owes me money, but they are not willing to do the right thing without pressure from a regulating entity such as CFPB. I hope you are able to help.
Product: Credit reporting or other personal consumer reports

Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with SYNCB/PAYPAL, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.
Product: Credit reporting or other personal consumer reports

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Product: Credit reporting or other personal consumer reports

SENT THE DISPUTES IN FOR THESE UNKNOWN, UNVERIFIED AND INACCURATE ACCOUNTS SEVERAL WEEKS AGO. YOUR COMPANY VERIFIED THAT THE INFORMATION WAS ACCURATE IN REPORTING. THE ACCOUNTS HAD SEVERAL DATES REPORTING INCONSISTENCIES BETWEEN THE XXXX BUREAUS. I STATED THAT THE ACCOUNTS WERE INACCURATE AND MUST BE DELETED BECAUSE OF THIS, BUT MY CONSUMER REPORT IS STILL REPORTING THESE ACCOUNTS. THIS IS A VIOLATION OF THE FCRA. WHEN DISPUTED INFORMATION IS FOUND TO BE INNACCURATE OR UNVERIFIABLE, THE ITEM MUST BE DELETED IMMEDIATELY. ( I AM REQUESTING THE METHOD OF VERIFICATION OF EACH XXXX OF THESE ACCOUNTS LISTED. IF YOU CAN NOT GIVE ME A DETAILED METHOD OF VERIFICATION OF THE ITEMS I HAVE LISTED, THEN YOU WILL IMMEDIATELY DELETE THESE ACCOUNTS WITHN XXXX  DAYS OF RECIEPT OF THIS DISPUTE. ) Delete these accounts : ( XXXX XXXX- Account # XXXX ) ( XXXX & XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX  -- Account # XXXX ) " AGAIN YOU HAVE 15 DAYS '' AFTER THAT I WILL BE FORCED TO SEEK LITIGATION FOR DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  shows " Paid, was past due 180 days or more '' which is incorrect. Account was never late. XXXX and XXXX credit report show " Paid, never late. '' Experian needs to update this record to " Paid, never late. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My home loan was transferred to XXXX at the beginning of the year. I started to make my scheduled online payments. In XXXX, I enrolled myself in Autopay. I received a letter from XXXX in early XXXX stating " Our payment drafting program is ready to do the work for you. This notice confirms that you have given authorization to XXXX XXXX XXXX XXXX XXXX to draft recurring monthly payment for your above referenced loan. '' I had already make the XXXX payment online so was under the impression that my XXXX payment would be drafted accordingly. 

I never received any additional letters or notifications from XXXX until XXXX stating my XXXX payment was delinquent and they had also not received my XXXX payment yet. I IMMEDIETLLY called them ( which they have a record of and acknowledged during my dispute ) and XXXX the XXXX and XXXX payments as well as the late penalties ( although I did not think I should have to pay a late fee in this situation ). 

I think re-enrolled in autopay. I received another letter in late XXXX again stating I was enrolled in autopay and their : payment drafting program is ready to do the work for you. '' This time I was sure to check in XXXX if my payment had been drafted, and it HAD NOT. I immediately submitted payment. 

I AGAIN re-enrolled in autopay and once again received a letter stating I was enrolled for XXXX. I didn't receive any correspondence that I was disenrolled any of the times. Again, I was sure to check the status in XXXX and saw it wasn't deducted from my bank account. I made the payment online to assure I wasn't delinquent. 

Shortly after this I sold the house and paid off the loan. Then I went to apply for a new home loan to purchase a new home and was told my credit score had dropped by XXXX points. I have always had credit around 750 and was never delinquent on a payment. I went through the research department at XXXX to try and get this resolved and was told " no adjustments were warranted ''. I have done everything right in this situation and feel I am being wrongfully hurt my XXXXXXXX XXXX  by this scam they seem to be running to try and get late fees from clients.
Product: Mortgage

I have a new flood insurance and was given to the company weeks ago this is a new loan with new flood insurance, on XX/XX/2019 Loan Care received the information and has not updated my monthly payment which is to be lowered. My mortgage is due in 2 days and still no new monthly payment. I have reached out to Loan Care many many times and still no conclusion. I also sent a request through Loan Care website as instructed to by a representative of Loan Care. Have been told it will be updated by XX/XX/2019 and as of today XX/XX/2019 payment has not been updated.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that I believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX Account number : XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid of my car last year and it continues to show on my report as active no missed payments. 

wages where garnished and payed off 2 years ago account is also showing up when credit is being pulled. 


XXXX XXXX account was settled and it continues to show on my report '
Product: Debt collection

I would Like to file a complaint on AFNI COLLECTION AGENCY On  XXXX   XXXX   2017  I sent in a debt validation on account that they say I owe So Today  XXXX   XXXX  I got a letter from AFNI With some bogus logo from  XXXX  I have never had a account with  XXXX  or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors or the inquiries they made.
Product: Money transfer, virtual currency, or money service

I received a text from what I thought was XXXX informing of an attempted wire transfer on my account. I was then called by a person stating he was from XXXX. The number he called from was the XXXX customer service number. He said he was stopping the wire transfer and used the information he asked me for to get into my account and steal {$3200.00}. He bank listed on the transfer was Discover Bank and his name was listed as XXXX XXXX.!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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: Money transfer, virtual currency, or money service

Had unauthorized transactions XX/XX/XXXX and XXXX, filed a dispute on the XXXX with Cash App. They responded on the XXXX saying : Recently, you requested the documents Cash App relied on to determine the outcome of the dispute claim you made in case # XXXX. 
An investigation of your claim submission and account details concluded that this was an authorized transaction and no error occurred. 

They provided a print out of the transactions disputed but no other information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I sold my condo and during the closing my HELOC with XXXX XXXX was paid off and both the HELOC and associated checking account was closed. I have had a credit score of 830+ for years, and now suddenly it's plummeting every month because XXXX has reported the checking account as delinquent for some overdue payment. I have called customer service and they told me no accounts are showing as open and that I had to send an email to a seemingly unmanned email address " XXXX '' which I did. I have followed up three times and get no answer. Meanwhile, every month my score drops by 100 points. I wanted to buy a new home, now I can not. Calling XXXX XXXX customer service is a multi-hour affair always, and the email address is a complete void. I have spent at least 15 hours on this and can not get anywhere with them, they just don't care. 

They're basically ruining my life and I have no recourse. No one will help.
Product: Debt collection

This account was open in XXXX for emergency use. I wasnt able to pay it back but for 6 years on my credit its been saying closed and there was no increases occurring or any type of negative impact on my credit. The amount I borrowed was not even close to what they are trying to say now. If an account is showing closed for 6 years how is it magically opened and charging now. if closed it should not keep increasing on my credit. That barely started to happen in XX/XX/XXXX. Its being fraudulently opened again increasing and affecting my credit score.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is filed pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that you, Experian, block information appearing on my credit report that is the result of identity theft and fraud. A personal credit card account opened at XXXX on XXXX XXXX XXXX under account number XXXX I have attached a copy of my credit report maintained by you which shows the aforementioned fraudulent items. 
Identity Theft Verification : I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) with Case Number XXXX. A copy of the report is attached as proof of identity theft. 
Demand for Relief : I request that you, Experian, block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Contact Information : Please send all written confirmation regarding this CFPB complaint to my email address : XXXX XXXX
Product: Credit card

The supervisor I just spoke with today XX/XX/2023 about XXXX est was extremely rude offering to waive only one fee when the issue was for XXXX and XXXX. He was speaking so fast in a foreign language and speaking over me as I spoke. He then refused to waive any fees all because I told him I couldn't understand what he was saying especially being that he was speaking over me as I spoke. I absolutely hate that I even have to speak with you at all but someone really should do a better job at hiring and coaching these people. You all already owe me over {$200.00} that I've not gotten resolved and now I'm not receiving my invoices and incurring late fees.
Product: Credit reporting or other personal consumer reports

There should not be late payment reflecting on my credit reports.
Product: Mortgage

They along with federal national mortgage ( XXXX  XXXX ) illegally took our name off the title of the house at the appraisal district and pulled a fast one on me. Mr. XXXX passed away he was a veteran. I probated this estate so I inherited his house and the debt? Now they haven't honored a thing they have said. They are charging nonsense fees and saying one thing doing another. They were also suppose to give time to sell and didn't honor that? There paperwork doesn't even add up. They have lied to us numerous times. Falsified foreclosures numerous times it's not right. they have lied to me over and over. They tried to act like we didn't have a will. There are numerous people in this scandel they pulled.
Product: Credit reporting or other personal consumer reports

My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX