23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested an Escrow waiver for property taxes and Homeowners Insurance from my lender Flagstar Bank. Let it be known that Flagstar Bank bought the loan from XXXX XXXX. Flagstar sent me a physical letter via XXXX stating that the waiver is approved. 
To date, Flagstar has NOT released the Escrow funds and I am still being charged ESCROW on my mortgage payment. Weeks after the ESCROW waiver was approved, Flagstar states that I need to pay {$320.00} for Flagstar to release the ESCROW and to stop collecting the funds. 
# XXXX This is a breach of contract as they already approved the waiver before demanding the fee # XXXX This is extortion ; extortion is illegal # XXXX How can they charge a {$320.00} fee on money that is NOT the property of Flagstar ( Property Taxes & Homeowners Insurance ) # 4- Flagstar purchased a loan from XXXX. I was NEVER given a choice about this arrangement and I have NEVER signed anything with Flagstar # 5- It costs Flagstar NOTHING to ESCROW money that DOES NOT belong to them. 
# 6- I pay 4.875 % interest. Flagstar makes enough from me.

Flagstar should release my funds immediately based on the above facts. 
XXXX XXXX
Product: Checking or savings account

Good day Sir/Ma'am, how are you hope all is well, My name is XXXX XXXX , I'm writing this complaint letter in hopes of getting help from your agency to get my issue elevated to HSBC 's executive office and receive my sign on bonus of {$500.00} ( welcome bonus ) .I believe your agency is empowered to take needed action and get a resolution as soon as possible.I trust your agency that this issue would be completed in timely manner.Anyway I took advantage of their sign up bonus promotion back in XXXX XXXX so I attempted to sign up for a new checking account # XXXX, I set up direct deposit of $ XXXX with a reference # XXXX from HSBC 's website, per conversation with HSBC and XXXX XXXX reps. the automatic deposit was set up correctly and all was good.FYI I left more than enough to cover the 3 consecutive months direct deposits, this was back in XX/XX/XXXX, and so I thought, little did I know after their waiting game of 4 months, they failed to credit my premier checking account the {$500.00} sign on bonus ( instead they gave me XXXX cents and email survey ) I then realized this promotion HSBC was running at that time was more like a lead on bogus and not sign on bonus.It 's unfortunate burden falls on me to spend countless times/hours speaking with their customer reps. ( At this # XXXX spoke with XXXX XX/XX/XXXX she said to call the other dept.I did and spoke with XXXX he said somebody from higher up will be getting back with me within XXXX hrs in which never happened.HSBC other # XXXX today XX/XX/XXXX spoke with XXXX after I told him what happened and get status of {$500.00} sign on bonus, he just breathes on the phone and not say anything so I then hang up after I kept saying hello repeatedly without any help but a complete waste of time ( this money on XXXX XXXX bank I left aside would've yielded 4.1 % if I left this money on my other bank, not XXXX XXXX ) Needless to say writing this complaint letter to send to your agency and HSBC survey dept.to leave my feedback out of my busy schedule to get your agency involved in hopes to get this resolved ASAP.At this point I'm patiently waiting for HSBC 's response and resolution.If you need to reach out for question/clarification XXXX feel free to call me @ XXXX or via email : XXXX you for your involvement with this XXXX a great day.God bless!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an certified letter to Trans union to verify incorrect info reporting on my credit report. Ex Bankruptcy Case Number : XXXX In response to my request, Transunion did not provide documentation where the information was verified to be accurate. Transunion also claimed to have verified with XXXX XXXX  in the past, i have sent them a letter from the company starting they were not able to verify this info.
Product: Debt collection

I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Over the phone, I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
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 involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Transunion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX XXXX # XXXX  ; XXXX XXXX # XXXX ; XXXX  XXXX  XXXX  # XXXX ; XXXX  # XXXX ; XXXX  XXXX  # XXXX ; XXXX Collections # 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 NA # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX store on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at XXXX XXXX store on XXXXXXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. XXXX said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!
Product: Credit reporting or other personal consumer reports

I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time
Product: Credit reporting

My concerns are the Inquiries that is on my credit report. I am not concern with the bill you see because I taken care of that already. As you can see I sent them a detail report of the Inquiries on my credit report in which I have no clue why they are on my credit report. This is my complaint against TransUnion. In which I wrote to them all asking to remove the inquiries that I did n't not authorize with no one verbally, electronically, or written to pull my credit report.
Product: Checking or savings account

Between the days of XX/XX/XXXX to XX/XX/XXXX over 5000 dollars was taken out of my account ( Wells Fargo ). Filed A claim which they told me would take ten business days, XX/XX/XXXX claimed denied. Went to branch to have claim reopened didnt hear from anyone till XX/XX/XXXX, they still denied my claim because my cards were in my possession. I asked numerous times if they checked the atm cameras they said no they didnt. Thats a major issue for me because I work two jobs and hard for money. So I would appreciate if they would do a thorough investigation including checking the cameras of who actually did it. I already left a voicemail and email for help me XXXX so it can go on the news because its ridiculous how they just shove everything under the rug. Mind you, they opened up new accounts for me, what is that supposed to do for me ... .oh and I filed a police report and still nothing. I even told them that I can show proof that I was working both job while all of this was going on. They still didnt want to hear it. I seriously want to close my account with Wells Fargo, its always some XXXX with this bank ... .I even had two direct deposits come in that I couldnt even touch because it was already gone
Product: Credit card or prepaid card

Received a ReliCard from U.S. Bank in XXXX, CO regarding unemployment benefits from the state of Colorado. I never applied for unemployment/remain employed so think it is a case of identify fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA XXXX According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX ***, nor did I provide written consent for my credit report to be accessed. 
By committing this act, you are also in violation of 18 U.S.C 1028A is a section of the United States Code that addresses aggravated identity theft because you have possession of my information and are using without my consent.
Product: Credit card

I applied for the XXXX XXXX Credit Card offered by XXXX ( XXXX XXXX XXXX XXXX XXXX ). I was denied because they said they were unable to verify my identity. I called and spoke to their reconsideration department. I spoke with an underwriter named XXXX on XX/XX/XXXX. XXXX confirmed my name and information matched my credit report that they obtained from XXXX. I advised that I had a name changed on XX/XX/XXXXXXXX XXXX XXXXXXXX. She stated everything looked fine and would send this to a manager for approval. Within a few minutes of the call I got an email saying my application was denied. On XX/XX/XXXX I receive a letter in the mail saying my identity could not be verified. I called and asked what they meant by that because the underwriter said she could see my name was updated on my credit report just fine. I stated I have lived at my address since XXXX. I have had the same phone number for over a decade. My date of birth has not changed and my social security number has not changed. I asked if I could submit the court order reflecting the granting of my name change or my current driver 's license. I was told they do not do reconsideration or provide what information is not verifiable or why. I asked how that would be helpful to obtain an approval or fix this issue. I have a hard inquiry on my credit report and their underwriter clearly stated everything matched what I said on XX/XX/XXXX. So, I am not understanding why they're unwilling to assist or provide information on why their denying the application. Yet also putting my credit score on the denial letter saying I have a credit score of XXXX and keeping the hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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 XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, consent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Checking or savings account

PNC is stubbornly refusing to close my account. It should be illegal to hold open a bank account against a customer 's will. My bank account has XXXX balance, no outstanding transactions, and no recent activity. Hopefully PNC will listen to the CFPB, if not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank XXXX in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : Bk:XXXX His Name is XXXX XXXX XXXX I contacted Rushmore and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, An unknown personal loan was added to my credit report which was never taken by me and opened fraudulently. The company Regional Finance which claimed that I have taken the loan hasn't helped in fixing in the issue but was rather more focused on collecting the debt amount of {$1500.00} which I have not taken and the interest has been charged every month. This has greatly affected my credit score and shows at charged off on one of my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized credit inquiries listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681b. These inquiries were made without my explicit written consent or legitimate business purpose. 

Below are the details of the disputed inquiries : XXXX. XXXX * Inquiry Date : XX/XX/XXXX * Business Type : Home Furnishings XXXX XXXX XXXX XXXX XXXX  * Inquiry Date : XX/XX/XXXX * Business Type : Mortgage Reporters XXXX. XXXX XXXX * Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX * Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX XXXX * Inquiry Date : XX/XX/XXXX * Business Type : Personal Loan Companies XXXX. XXXX XXXX XXXX XXXX * Inquiry Date : XX/XX/XXXX * Business Type : XXXX XXXXXXXX XXXX Under the FCRA, credit inquiries must have permissible purpose and written authorization. I request that these unauthorized inquiries be removed immediately from my credit report. Please provide written confirmation of the removal. 
Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA.
Product: Credit reporting

Back in XX/XX/XXXX a number of accounts were deleted from my reports per Credit Karma and replaced back on. With this happenng my scores down over XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$4400.00}.
Product: Student loan

I applied for REPAYE on XXXX XXXX, 2016, through studentloans.gov. I just discovered today ( XXXX XXXX ) that my request was denied on XXXX XXXX by my servicer ( Fed Loan Servicing ) because I have a deferment. First, Fed Loan Servicing never sent me any mail or email to tell me the application was denied. I only found out when I happened to log into their website to check my account and saw the notice there. I searched my email I never received anything from them about the denial. Second, the application was improperly denied. The Income-Driven Repayment Plan Request application specifically includes a question ( # XXXX ) about whether the applicant is in a deferment -- and I check " Yes, but I want to start making payments under my plan immediately. '' Therefore, Fed Loan improperly denied my application and should have granted it.
Product: Mortgage

I paid my mortgage off
with Ditech on XX/XX/XXXX. The excess escrow amount was XXXX. and they said that amount was mailed out and check cut XX/XX/XXXX. I have called 3 times asking where the check is and i am told " in the mail '' and I also called to see if it was cashed, maybe stolen and they said no. They told me that I had to wait 30 days before I could call and have another check issued. I think that they are holding my money to earn more interest on it.
Account number is XXXX name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX  XX/XX/year>