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

My name is XXXX, XXXX XXXX. I am sole heir and beneficiary to the legal name XXXX XXXX estate. On behalf of my estate a trust relationship has been expressed on behalf of the XXXX XXXX XXXX XXXX, XXXX XXXX Estate, the trust name is XXXX XXXX XXXX XXXX LIVING TRUST to which all property, rights, titles, and interest has been conveyed to said TRUST. I am notifying CFPB within this complaint that XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( closed ) has committed identity theft by using my information to report to the Credit Reporting Agency XXXX. As beneficiary to XXXX XXXX XXXX XXXXXXXX XXXX TRUST and as heir to XXXX XXXX XXXX Estate, I have all priority beneficial rights, titles, and interest in all property/assets in anytime pertaining to and including names and account ( s ) information with CAPITAL ONE BANK USA NA . CAPITAL ONE BANK USA NA is in breach of their fiduciary duty by causing harm to my trust and estate by sharing incorrect, inaccurate, false and misleading representation of information without my expressed consent. This is a violation of Trust Law and principles of equity are also being violated against me as authorized agent/representative for XXXX XXXX. I need for CAPITAL ONE BANK USA NA to provide their authority to share any of my privacy information regarding any alleged debt or accounts. How they came up with the alleged debt balance to report to XXXX? Failure to respond to this complaint will lead me to believe that CAPITAL ONE BANK USA NA has used aggravated identity theft to furnish my information to XXXX, XXXX, and XXXX. Please take note and be aware of their compliance to [ 18 USC 894 ] and [ 18 USC1028A ] this is in reference to this company and any of its representatives committing identity theft or crimes against my Estate and Trust name and all property held in trust.
Product: Mortgage

I sustained hail damage to my roof back in XX/XX/XXXX. It was not discovered until summer of XXXX. I filed a claim with XXXX XXXX. ( Claim # XXXX ). The roof was completed XX/XX/XXXX. XXXX XXXX mailed me a check for XXXX. I sent the check to Flagstar Bank for their endorsement along with the adjuster 's report. They sent the check back without the adjuster 's report for my and my wife 's endorsement and send it back to them. They cashed the check. I informed Flagstar the roof was completed back in XXXX. I have been back and forth with Flagstar Bank-loss dept. ( XXXX ) Asking for the check so I can pay the contractor. They told me they do not have the adjuster 's report and I need to send it to them. ( They have the adjuster 's report when I sent the XXXX check to them ). They told me they requested a copy of the adjuster 's report from XXXX XXXX the XXXX XXXX claim rep. I spoke to XXXX XXXX on XX/XX/XXXX, sat. evening when he called, and he told me he had already sent Flagstar the adjuster 's report. I called Flagstar XXXX XXXX and spoke to XXXX on a recorded line. She informed me they already have the adjuster 's report and will release the funds and order a roof inspection. The roof was inspected on XXXX XXXX. To this date, I have not received the check for XXXX. Can someone tell me what Flagstar is pulling? Did they invest the insurance company 's money and do not want to release the funds? It appears they are using the adjuster 's report as an excuse not to release the funds when they have had it all the long. I looked into my file last night, it said waiting for documentation??????
Product: Debt collection

Collection agency, who claims to be a law firm, XXXX XXXX XXXX XXXX XXXX, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.
Product: Money transfer, virtual currency, or money service

For XXXX months they have delayed. The month of XXXX and now XXXX. Their statement is 'they will research it and contact me. This is a scam. I want my money and I want to close the account.
Product: Credit card

Someone charged multiple charges XXXX XXXX on my Apple Credit Card by Goldman Sachs, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX accounts for XXXX XXXX. XXXX is a game and the XXXX are the game 's " money '' you can purchase for in app purchases. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX all reimbursed/dismissed the charges for the disputes I made on those charges. The Apple Credit Card by Goldman Sachs has refused to dismiss those charges each time I have disputed the charges. These charges were around {$3000.00} on my Apple Credit Card that I did not authorize. I have disputed the charges 2-3 times over the past several months and each time they come back and state, " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim ''. They did ask me for more information once and I did provide some unauthorized transactions that were dismissed from XXXX. I do not know what more they want from me to prove I did not make these purchases. I did not authorize these charges. I did not make these charges. I do not understand why, if they needed more information, they have not contacted me to provide it. I do not understand why they insist their investigation comes up with the charges remaining. What investigation did they do? They never state how they investigated the situation. I have informed them that all of the other accounts that were affected have dismissed those charges and I was not responsible for them but they continue to keep those charges on my account. I do not know what more I can do to have those charges dismissed. I have emailed XXXX several times in regards to these unauthorized charges and they reported to me that I needed to contact my involved financial institutions which I did, including my Apple Credit Card. I did not make these charges and I would like for them to be dismissed off of my credit card.
Product: Debt collection

The date on this is from XX/XX/2016 originally from XXXX and sold to valley empire collections in XXXX Washington the state I live in is a non collection state and I was never once notified if this bill nor advised it was being sold. It is against policy I would like this removed from my XXXX report immediately
Product: Debt collection

On XX/XX/XXXX Grant Mercantile Agency reported a debt of {$1500.00} for XXXX XXXX on my credit report that does NOT belong to me I have repeatedly asked for the identification used in opening this account as proof and they have not been able to provide it. On XX/XX/XXXX, I filed a complaint with CFPB about this issue at which time Grant Mercantile Agency LIED in their response saying it would be " closed with explaination ''. Instead of doing that they have increased the collection amount, keep sending me identity theft papers to fill out, and it has remained opened on my credit reports as collections even tho they refuse to provide me with MY identification to prove that it is my account. I will not perjur myself by filling out identity theft reports when I have no idea if thats what it is or not. What I do know is that Grant Mercantile Agency LIED to both myself and to CFPB by saying they would close the account with explaination when they have no intention to do so. They should be penalized for LYING about resolving this.
Product: Checking or savings account

I sold a XXXX card and sold through PayPal and the XXXX XXXX XXXX  didnt do the job correctly and scan the package so the package was thought that I never dropped it off but I dropped it off and it ended up shipping to them and he ended up getting it but it meanwhile he don't build our refund and everything and PayPal gave him the refund put my account {$430.00} in the hole and kept {$380.00} of my money and a card and shut my account down
Product: Debt collection

XXXX is charging an additional {$130.00} after attendant per conversation credited amount for multiple months that were not billed with the promo. I have communicated this multiple times and now XXXX has sent this file to collections wrongfully which has decreased my overall credit score.
Product: Mortgage

XX/XX/XXXX - We received an Escrow overage check dated XX/XX/XXXX from Caliber Home Loans for {$2600.00}, leaving a {$1100.00} Escrow Balance, resulting in an escrow shortage to pay XXXX taxes & insurance. Taxes & Insurance are estimated ( as shown on statement ) to be {$3500.00} for XXXX. After leaving the shortage in our escrow account by sending us the overage check, they then raised our mortgage payment by adjusting the escrow payment from {$290.00} to {$290.00} ( raising our monthly mortgage payment from {$1100.00} to {$1100.00} ), which to me seems completely unethical! Also, this raise in monthly payment will still leave our escrow account short to pay taxes & insurance. I spoke w/Caliber Loan Rep who stated they would still pay the taxes & insurance if there was a shortage, to which I replied, then you would raise our mortgage again after you do an analysis and find there was the shortage! They are basically scamming by shorting our escrow account for tax/insurance payment, and then turning around and raising our mortgage payment again!! We had enough escrow to cover taxes & insurance before they sent us the overage. This seems totally unacceptable, unethical and a total scam. They are getting more interest each time they raise our mortgage payment so I believe this is the reason they are doing this. I could understand if they sent us a check for an overage, but leaving enough in escrow to pay for taxes & insurance, not a shortage and then turn around and raise our mortgage payment due to the shortage THEY caused!! They also told me that if we put the money back into escrow, it would not bring our mortgage back down to what it was originally. This is COMPLETELY UNETHICAL!
Product: Mortgage

Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. 
Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. 
Thank you
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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

CFPB, I have disputed these accounts many of times though your portal. I have asked Equifax to verify these accounts accuracy. Every single time they have came back verified which it's impossible to come back verified. If Equifax, verified this accounts as accurate. I need to see there method of verification on how they are reporting a collection with a past due balance on these accounts? If they can not provide this information. Please delete immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all.
Product: Debt or credit management

I signed with XXXX to resolve my Credit Card debt. We set up a withdrawal of {$670.00} from my checking account. My last full payment was in XX/XX/year>. I was notified my last payment of {$420.00} would be in XX/XX/year>, which it was. I received a letter dated XX/XX/year> that I had no upcoming payments scheduled and still had remaining debts to be settled and if I didn't respond to the letter my program would be cancelled. I called the number provided XXXX times a day for almost XXXX weeks. Each time I called I got a message that " There was no one to answer the phone and leave a message. '' I left messages. These calls were all during regular business hours. I have never received a call back. I XXXX ; XXXX know if this is a scam or for real, but I know I was informed that the XX/XX/year> payment of XXXX would be the last payment,
Product: Credit reporting, credit repair services, or other personal consumer reports

Simplified statement of ongoing unresolved claim : Experian is incorrectly calculating and falsely reporting revolving credit utilization figure. Current verified correct total revolving credit balances of approximately XXXX and total credit limits of approximately XXXX calculates to a utilization ration of approximately 48 % This is is being falsely reported as 100 % AND NEEDS TO BE CORRECTED. 

NO INDIVIDUAL ACCOUNTS ARE BEING DISPUTED- ONLY THE INTERNAL EXPERIAN MATHEMATICAL CALCULATIONS USING INCORRECT FORMULA RESULTING IN FALSE REPORTING
Product: Mortgage

I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. 

Thank You
Product: Credit reporting or other personal consumer reports

I have no idea why these are reporting on my credit file please remove inaccurate information
Product: Mortgage

I was in the process of getting a mortgage modification with M & T bank. The modification agreement had been approved and the papers were sent to me for signature. The transmittal letter advised that I consult an attorney before signing the agreement. After review the document, I hired an attorney to look it over. There were a few issues that I had with the document and my attorney contacted the underwriter! ) the property was owner occupied 2 ) the interest rate of 6.875 % has not been reduced. In other words the bank did not make any modifications at all. Subsequent to my attorney contacting the bank, all calls and correspondence were thereafter unanswered. I am still making the payments required, but the payments are not being credited, and each statement has charges added to my mortgage statement that are in dispute. Is there anyway you can get the bank to contact my attorney to resolve these issues.
Product: Money transfer, virtual currency, or money service

I've been trying to close a crypto.com account since XX/XX/2022. Their customer service seems to only be bots from another company called XXXX. Basically when I contact " customer service '' to close my account a bot will tell me to do the following : " To fulfill your account closure request, please provide us with the following details : Last 4 digits of the phone number Last 4 characters ( digits/letters ) of the ID document used upon your account registration '' I've completed this several times and my account is still open. This seems to be because after completing the task, no actual person is doing anything. So the request then goes to another bot and the loop seems to continue. Or the bot closes the request because it will determine you have another open, after the last request didn't work. So a loop, I have tried everything in my power to close it and there has been no movement, so I am looking for help. I have I believe XXXX dollars or something in the account. They have at times made it seems they can pay me out and close the account, but in other instances they made it seem if I didn't have another digital wallet ( I don't, I've learned my lesson ) I would have to forfeit the funds. I'm okay with the giving up the funds if the account is ultimately closed, but its not been closed. 

I am looking for help with finally closing my account. I've submitted the information above but I am trapped in a loop of bots and just want to close this chapter so I don't have this hanging over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email from Experian monitoring stating my credit utilization was 73 % and my next step was to open a new credit card to increase credit utilization and FICO score. Within minutes, I applied and was declined. Instantly I recieved another email fro. Experian informing my credit FICO dropped 3 points. I called and complained you XXXX dispute specialist, XXXX in marketing and XXXX membership supervisor. 
1. Email was predatory telling me my credit utilization on XX/XX/2020 is 73 % and my next step is to open another credit card. 
2. My actual utilization rate on XX/XX/2020 is 63 %. 
3. Experian batted me to apply for a new credit card and provided me with inaccurate information to use in my decision. 
I want the inquiry deleted.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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: Debt collection

XX/XX/24 Wakefield & Associates XXXX XXXX XXXX XXXX, TN XXXX XXXX Closed account shown on my credit report under collections for XXXX Needed to verify accuracy of account to prove existance to my potential employer for a job offer.
Product: Checking or savings account

Approximately {$95000.00} was embezzled/ stolen out of our three corporate bank accounts and Cash App is refusing to assist despite sending documentation and certified letter. Despite numerous calls, they simply tell us it's not their problem, and at one point, even hung up on me while I was asking for a resolution. 

Original XXXX Revised XXXX  forged checks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Personal XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2500.00} {$5400.00} XXXXBusiness XXXX XXXX {$7300.00} XXXX {$4700.00} XXXX {$4500.00} XXXX {$4500.00} XXXX {$430.00} XXXX {$430.00} XXXX {$6900.00} XXXX {$230.00} XXXX {$700.00} XXXX {$1800.00} {$31000.00} XXXX # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4200.00} XXXX {$6800.00} XXXX {$6700.00} XXXX {$2700.00} XXXX {$740.00} XXXX {$6600.00} XXXX {$11000.00} {$39000.00} Attaching a copy of the spreadsheet, admittance of guilt texts and XXXX XXXX XXXX 's report. Also attached a copy of the certified letter we sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not remove the inaccurate account. 

The date of last activity is not correct, the date reported is not correct, the date opened is not correct, the account status is not correct, and the date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached a copy of the account on my credit reports that is inaccurate to show how XXXX, Experian, and XXXX are violating my rights.