23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a letter in the mail that I had opened a checking account in my name. I did try to contact the fraud department and the lady acted like she couldnt hear me. I did not open this account and need it closed immediately. I am pursuing identity theft protection and legal actions. And my credit report had to be accessed as well as XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts being reported on my credit file. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$48000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


IDENTITY THEFT ACCOUNTS : XXXX XXXX  XXXX # XXXX - IDENTITY THEFT XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2021 XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

U.S. Bank withdrew {$390.00} from my personal checking account ( also with U.S. Bank ) to pay a business credit card account without my authorization or permission, and without providing me notice. They claim they sent me an overnight letter via XXXX on XXXX and the money was taken from my personal checking account at XXXX on XXXX. I never received such a letter.
Product: Student loan

MOHELA is my student loan provider. I had submitted an application for Income-Based Repayment, for which they approved for $ XXXX. A few days later, I noticed a random " pending application '' on my account history. I messaged them to tell them that I did not submit this application and asked why it was on my account. They replied and apologized for the confusion and reassured me that my current payment was still {$39.00}. 

About a week later, they emailed me and told me my new payment was $ XXXX. I can not access any sort of documents on my online portal showing this application that they processed ( past applications have had links to view a PDF of the application ; this one did does have this link ). 

I feel like I now need to babysit my account to make sure they don't add more random stuff. They are beyond untrustworthy. 

Thanks for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX, 2018 I disputed via mail certain accounts and inquires that appeared to be errors reported on my credit report. I am a victim of identity theft and I am in desperate need of theses items being reviewed and blocked.
Product: Credit reporting or other personal consumer reports

There is an account from XXXX XXXX XXXXXXXX appearing on my equifax report that is not mine. It is not reporting on XXXX XXXXXXXX or XXXX. I contacted XXXX XXXX XXXXXXXX and sent a copy of the equifax credit report to them. I received correspondence through the mail that they would be removing the account as it is not mine. Please ensure this account is removed as indicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act these following companies has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX 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 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 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
Product: Debt collection

This is a collection account with Jefferson Capital systems for {$2600.00} I have been disputing since XX/XX/year>. I have no knowledge of this account I have requested a debt validation and has yet to receive it.
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 Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

I submitted proof that the 8 hard inquiries on my credit report should be removed to XXXX on or about ( mailed ) XXXX XX/XX/2020. To date, they have not been removed ; and, I have not been told why, either. 

On XXXX XX/XX/2020 I bought a motor vehicle from XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX I XXXX XXXX in XXXX Texas ( invoice number XXXX ) with the assistance of Mr. XXXX XXXX at XXXX For my daughter XXXX XXXX XXXX. 

In XXXX 2020, I became aware of the eight hard inquiries to/on my credit report, all 8 related to this sale and transaction. Since I had made it very clear that I did not want any credit report requested in conjunction with this sale because I was going to be paying cash in the total amount for this vehicle ( {$26000.00} ). In late XXXX. 2020 I was forced to ask Mr. XXXX for a letter stating that the credit inquiries should be removed so I could mail it to TransUnion following receipt of my requested credit report as I could not submit such a complaint on-line ( Why is that anyway? ). Then, I mailed that letter from the XXXX XXXX XXXX XXXX company along with my request and complaint to Trans Union for a resolution. The resolution has been approved yet the inquiries were not removed. 

Again, Trans Union, XXXX and XXXX continue to document these erroneous vehicle loan inquiries that shouldve been removedAnd, in fact, never Should have been documented In the first place. A copy of the letter I mailed to TransUnion is attached.
Product: Checking or savings account

I tried to open an account with JP Morgan Chase online, and was told I have a previous balance with them due to an overdrawn and closed account. The overdrawn account was as a result of a claim wrongfully handled by their claims department. The merchant cancelled the concert and refused to issue me a refund despite stating that refunds will be provided. I provided this information to JP Morgan Chases claims department, twice. Not only did they let the merchant get away with defrauding me for a concert I couldnt attend because they cancelled, the bank is still holding me liable for the overdrawn balance. They failed on their part to retrieve my funds from XXXX XXXX and now are refusing to open an account for me due to their own negligence. I provided them with proper documentation from the merchant stating refunds will be issued, but I never received a refund. I lost money on hotels and flights traveling to XXXX XXXX for this concert and the show was cancelled the day of the concert.
Product: Mortgage

My original mortgage was with XXXX XXXX XXXX. Recently my account was sold to Carrington which has been a nightmare. I had purchased new Home Owner 's insurance before I received the notice of the change in mortgage companies. My Agent has sent Carrington 3 notices of the insurance change, once each time I receive a notice from Carrington. On XX/XX/2018, I received a threatening letter from Carrington that they were going to add Homeowners insurance to my policy that would cost me much more than if I purchased it on my own. Once again, I sent this notice to my insurance and they sent Carrington the information on XX/XX/XXXX. On Friday, XX/XX/XXXX, I received a letter stating that my mortgage payment would be going up {$87.00} per month due to their insurance amount. When actually, my new insurance decreased somewhat and my mortgage payment should be less than what I was actually paying with XXXX  XXXX XXXX. 

I have called and no one seems to be able to help me with this situation, they ramble and then ask " is there anything else I can help you with '', when they haven't even come close to answering the first question I had.
Product: Debt collection

CMRE credit bureau showed up on my credit report with an erroneous charge for $XXXX for XX/XX/2018. This was sent to them for collections by XX/XX/XXXX (part of XXXX XXXX XXXX). When I called to inquire the person on the phone was very rude (I filed a complaint with manager). At first he would not tell me the name of the place that sent me to collections and then he wouldn’t give me the contact information so I could call to inquire. He told me not to tell him how to do his job when I asked for the information. He then hung up on me. I spent over 6 hours calling back and forth to the XXXX XXXX XXXX, my insurance XXXX XXXX XXXX and CMRE. XXXX XXXX said they had an incorrect address ( I never received any notice and they confirmed this) and they billed the incorrect insurance, they said CMRE would have to bill XXXX. XXXX said they will pay it if someone sends the bill and both CMRE and XXXX XXXX won’t send the bill for payment. This is impacting my credit negatively and creating hardship. I do not know what to do next. The bill should have been sent to my insurance originally. 
Please contact me at XXXX XXXX XXXX, or email XXXX. Both agencies are  at a stand still. I left a voicemail for a manager XXXX at CMRE and spoke to another agent XXXX, XXXX   said she would only set up a payment arrangement (I don’t have $ to pay and should have gone to insurance) and XXXX never called me back. XXXX at XXXX XXXX said her and supervisor stated tey cant do anything and to go through CMRE and get names if they don’t send bill to call them back I did and no response has been received.
I want to file a complaint.
Product: Mortgage

Upon seeking line of home equity, we found that on the deed is a statement and code Quicken/ Rocket Mortgage XXXX, Says it is closed but not satisfied. I have reached out to them with no success. They say they can not find any account. We used my SS # and that of my late husband. I contacted my current mortgage XXXX XXXX as well as XXXX. No one has answers and blame each other. I have spent a week or more talking to these people. this all happened when they sell your mortgage to others which is not fair to the consumer.
Product: Mortgage

XXXX XXXX XXXX XXXX has arbitrarily and without notice decided to restrict online access to my mortgage account on the grounds that I have a bankruptcy on record, nevermind that I never stopped paying ( overpaying ) my mortgage and that the bankruptcy was 10-plus years ago ( so long ago that the customer service rep I spoke to on XX/XX/19 could not even find it in the bank 's records ). 
I've always had full access to my mortgage information with XXXX XXXX. This has been valuable for budgeting and planning, showing insurance costs, escrow information and a schedule of future payments. I wanted to see on this day how many payments I had left.
Product: Credit reporting, credit repair services, or other personal consumer reports

have tried the web portal dozens of times on different days and it never works. asks for my information just as it appears on credit report - enter that and it returns message that the data is incorrect or portal is not operable try again later. have tried on these days in the past few weeks ( XX/XX/XXXX ). i need to dispute an address associated with my account, a collection and late charges. i can not do that because the portal does not work. i have called and could not reach a human to get assistance. i do not have a printer so i can not print out the issues and send by US MAIL to the company to dispute - and i certainly don't have time to transcribe all of this - no should i have to. TransUnion site does not work UNLESS you buy a subscription to the annual services. Consumer has a legal right to 1 free copy of report annually and the ability to dispute the items on report anytime ... but it is impossible to do these things. please, try it for yourself. see if you can set up an account to get ONLY transunion 's report -- - note that transunion site takes you to XXXX -- - but there you can ONLY order all 3 credit reports - not just TransUnion. i have already got my annual free copy of XXXX  and XXXX  - so this route fails when i try it. then go to transunion 's website. can you find a way to navigate to your free annual report??? i can't. i get to a portal - finally get logged in ( yes, it finds me - matches name to SSN ) -- but when i try to start the dispute process it tells me it can't find my information and to check my entries and try again. same thing for week after week. no online help. call 800 number and can't reach a person - only recordings. Dates in last XXXX weeks I have attempted to make corrections ( XX/XX/XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this is crazy. i have a problem - i try to report it, but can't. i appeal to cfpb and get a generic non-relevant response to my complaint and cfpb closes the dispute calling it resolved. this is criminal. i'm a real person who needs good credit. please help me.
Product: Credit reporting

I am writing to dispute the following information in my file. I am requesting that the Late Payment be deleted to correct the information. I have never been late on my account. 
Sincerely, I have been a loyal client of XXXX. I have had no problems with the service until a late payment was reported to me report wrongly, in XXXX, due to a banking error. My credit report shows a 30-day late payment in XXXX 2015. However, I was not late. I have enclosed copies of my statements. Per XXXX policy accounts ca n't be reported late until 60 days. My account was not late. I was given wrong information from to make a payment of {$48.00} in XXXX to bring account current. That was done. Please correct this as soon as possible. Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. Transunion instead filed a dispute, I am demanding under legal requirements of the FCRA 2009 that these be blocked, not disputed. I have filed the paperwork with the FTC for this to happen. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The account is the account with XXXX XXXX Deposit account with a balance of {$2200.00}.
Product: Mortgage

Hello - My report currently shows that we owe {$82000.00}. 
XX/XX/21 - I requested a Pay-off Amount for our Mortgage, with Wells Fargo XXXX They referred me to contact HUD to request a Pay-Off Demand Letter, via phone. I waited on the line for over an hour, no one ever answered the phone. After pressing a prompt, I was provided an auto-mated e-mail address - XXXX. I submitted an electronic request, via e-mail where they stated that I needed to allow 6 Days for a response. I have yet to receive a Pay-off Demand Letter. That same day, by pressing another prompt, I was able to leave a voicemail, with my request for a Pay-off Demand Letter included my name and Loan #. 
I have continued to try to contact them via phone repeatedly, with no answer since XX/XX/21. 
XX/XX/21 - XXXX from HUD called my Cell Phone and left me a voicemail to call her back at XXXX. I called back right away & received their recorded message stating that they were Closed ( which was a Saturday morning ). Regular business Hours are M-F XXXX - XXXX Central Time. 
XX/XX/21 - I found another e-mail to send my request for a Pay-off Demand Letter to XXXX. I submitted our Request via e-mail and received a bounce back stating that the mailbox was undeliverable because it was full. So frustrating. 
XX/XX/21 - I also sent to another e-mail address I came across and submitted our Request to XXXX. I have yet to receive a notification of receipt or a response. 
XX/XX/21 - I resent our Request to the e-mail XXXX, it went through without a undeliverable message. I have yet to receive a response. We also tried faxing to phone # 's that the auto-mated message provided at XXXX, XXXX, & XXXX. Each Fax # was busy, with us trying 4 times per line, without any connection. 
We have been waiting for our Pay-off Demand Letter for the last 2-1/2 months. Delaying our ability to refinance our home. It is very frustrating not being able to receive the information that is due to us. Please provide any assistance that you can for us to get our Pay-off Demand Letter in our hands. Thank you in advance for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! 
The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX I am currently Self Employed. Please remove the following employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries on my XXXX  XXXX XXXX report from Citibank Na, XXXX XXXX the XXXX on XXXX XXXX and XXXX XXXX XXXX I did NOT authorize these and Ive tried everything to get their customer service on the phone please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$13000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Checking or savings account

This is my official statement to report fraudulent activity on this debit card account ending in XXXX. On Monday XX/XX/XXXX at XXXX XXXX XXXX, I contacted Prosperity bank to report compromised card and after speaking to the bank rep named " XXXX '' & " XXXX '' on a recorded line two separate times and it became very evident that my bank card was being used fraudulently and charges were run at multiple simultaneous merchants and even attempts to withdraw funds from my accounts per the reps comments. The debit card has been stolen and the charges are outside my geo area and spending pattern and per the bank rep comments, large transactions were attempted with my debit card at XXXX XXXX. I have requested that the bank launch an investigation to identify how the card was approved despite unusual spending transactions. NONE of these transactions were done by me nor anyone I know and specifically, they are all outside of my spending pattern and spending locations. 

After consulting with my legal team about the charges, I have launched an investigation to uncover the nature of the fraud and identify if my personal information is also being used and have uncovered that ALL fraudulent transactions done were in differing cities and merchants I've never done any business with before. It's very concerning that on the recorded line the Prosperity Bank rep mentioned that the card was still being attempted to be used. NO one has my PIN number so I'm very concerned that my sensitive information is not being protected in accordance with regulations. 

I will be updating detailed information as I gather details from legal parties involved and the bank to assess next steps. Thank you.