23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to notify me of my results from my dispute I sent in over 30 days ago. I need answers to my disputed items.
Product: Debt collection

I sent a dispute letter within the 30 day period. They received the letter on XX/XX/XXXX at XXXX. They called XX/XX/XXXX on my Daughters Cell phone who is XXXX years old at XXXX : XXXX XXXX so my daughter answered it and I told them that the dispute letter was sent and that they need to stop calling. They called again on my daughter 's cell phone on XX/XX/XXXX at XXXX and I have no response to my Dispute letter. I believe under the fair Debt act that they are suppose to stop calling until I receive the response to my dispute. I also told them to stop calling my daughters number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I have disputed and successfully got 3 collections removed from Experian XXXX and XXXX, but they keep reinserting and posting inaccurateAND incorrect info to my report. 

From the debt collection XXXX for amount of {$520.00} and {$240.00} XXXX XXXXXXXX XXXX {$310.00} medical I've had these removed from XXXX successfully because of inaccuracies, incorrect reporting dates, balances and codes, that the bureaus have not reported correctly and lied about validating and verifying, also Experian will not remove incorrect addresses from my report and names and numbers!! XXXX  and XXXX have updated majority of my info, XXXX XXXX XXXX closed account was removed and reinserted! 

these accounts have so many inncuracies and are severely affecting my financial life, schooling, and mental health. 
I have sent in letters asking for original statements, signatures, bank account info and have been ignored. and they try to sneak and insert info without informing me and providing documentation to support their claims! please help me hold them accountable for their inaccurate reporting the FCRA says It has to be 100 % correct and I promise you it is not!
Product: Mortgage

I received my annual escrow statement from Flagstar bank in the mail on XX/XX/XXXX. The date of my escrow analysis printed on the mailing was XX/XX/XXXX. This statement said they had found a shortage of escrow funds in the amount of {$500.00}. 

I found this shortage to be caused by Flagstar Bank making the required XXXX tax payment of {$1000.00} and the insurance payment of {$360.00}. The tax was previously paid in three installment payments due in XXXX, XXXX, and XXXX. This time, the tax was paid in full in XXXX. This tax payment and the insurance payment brought the account down from {$1000.00} to a negative balance of ( {$370.00} ). If the installment payment was made as in previous years, the account should have only been charged {$270.00} for taxes and {$360.00} for insurance both due XXXX of XXXX. This would have left the escrow account with a balance of {$440.00}. 

Upon calling Flagstar Bank customer support on XX/XX/XXXX, I spoke with three customer service representatives. One from Flagstar Bank 's tax department and two from Flagstar Bank 's escrow department. I relayed my above explanation to each representative. Each representative was confused by my explanation and I asked each to investigate the situation or send me to someone who might be able to help. During this call, I was told false information by the last two representatives. I was told that my previous loan servicer did not hold funds in the escrow account to cover the costs of insurance and taxes. This is untrue because if the tax payments were made by Flagstar in three installment payments required by the County, the account would not have gone below {$400.00} as stated above. I was also told that my taxes had increased and that was the reason for the shortage. This is untrue because the previous three years have had tax decreases for the property. I was told someone would call back once they had a chance to review the account. 

On XX/XX/XXXX, I received a mortgage statement from Flagstar by mail. This statement reflected the increase in escrow payment necessary to cover the supposed shortage for next months billing. As of one week later I still have not heard anything from Flagstar regarding this matter.

Due to these conversations, I believe Flagstar to be grossly negligent in their handling of escrow account funds. I believe that they, through the use of the aforementioned error, are attempting to increase funds available in escrow beyond the legally allowable amount. This may cause consumers undue financial hardship while dually benefiting Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries Appearing on credit report. 



Inquiries 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: Checking or savings account

I had previously filed against this Bank but there was misinformation that I recently became aware of ; The original complaint was that the bank mishandled a refund from XXXX but I've since discovered that they opened their own fraud complaint, misrepresented that XXXX was the one who took the money which involved a an investigation from the Arizona attorney general 's office, and then harassed me with reporting my debit card stolen and finally taking an additional {$120.00} from my account meanwhile they had refused multiple requests to file a fraud complaint on the transaction that occurred on XX/XX/XXXX, which was an action by the bank not XXXX, as they represented, and to take an additional {$120.00} from my account several weeks later by the XXXX of the fraud department in order to settle this dispute! 
Again that can't stress enough they refused to take the fraud complaint on the end transaction that occurred on XX/XX/XXXX and it is on this complaint that I am refiling. 
I'm refiling based on the refusal to take a fraud complaint regarding the XX/XX/XXXX transaction and the secondary complaint when they took in the additional {$120.00} for my account by the XXXX of the fraud department that's punishment for filing the original complaint. 
I'm not at all satisfied with the results ofthe previous case I had received a {$120.00} refund from XXXX, I called the bank to confirm it was XXXX, p they apparently decided that this was fraud and they took the {$120.00}! When I tried to file a fraud complaint about it they Refused. I kept calling so in retaliation they reported my debit card STOLEN. They finally mailed me a replacement debit card that had been CANCELED by them. I finally got a hold of the fraud XXXX who DEDUCTED ANOTHER {$120.00} from my account putting me overdrawn. It took about a week to get the {$240.00} back and I received a letter that the money was replaced with no apologies. 
Understand I've been without that money for XXXX weeks and with no access to ANY of my funds for several weeks. I live XXXX miles from the nearest bank, alone, XXXX, in a XXXX XXXX and it cost me {$65.00} to get someone to take me to the bank to get a temporary debit card. I've since closed the account but I'm seeking substantial compensation to be fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested XXXX to please provide proof of me giving then my signature for this Unsecured Loan. My request is for XXXX to delete this account one and for all from my credit report. XXXX # XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/2021 Responsibility : Individual Account Loan Type : Unsecured Loan Revolving Account Balance : {$40000.00} Date Updated : Payment Received : Last Payment Made : High Balance : Credit Limit : {$750.00}
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Unrecognized Hard Inquiries and Address Data Breach Concerns Dear CFPB Complaints Department, I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit report and to express concerns related to a data breach involving XXXX Credit Bureau. I recently discovered the following hard inquiries on my credit report that I am unaware of : TransUnion : XXXX. XXXX XXXX XXXX XXXX Hard Inquiry - XX/XX/year> XXXX. XXXX Hard Inquiry - XX/XX/year> XXXX : 3. Hard Inquiry - XX/XX/year> I have no knowledge of these credit inquiries and did not authorize them. To support my dispute, I have attached a report from the Federal Trade Commission ( FTC ) requesting the removal of these hard inquiries from my credit report. 

Moreover, I am deeply concerned about a data breach involving XXXX Credit Bureau, as my personal information may have been compromised. Given this breach, I am worried about the security of my sensitive data and the potential impact on my credit profile.

I request that the CFPB investigates these unauthorized hard inquiries, ensures their removal from my credit report, and addresses the data breach concerns related to XXXX Credit Bureau. Additionally, I seek assurance that my personal information is protected and that measures are in place to prevent any further unauthorized access to my data. 

I appreciate your attention to these urgent matters and look forward to a prompt resolution to safeguard my credit information and privacy. 

Thank you for your assistance in addressing these critical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : XXXX ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX, I noticed that a XXXX request ( XXXX dollars ) I made from my bank to my XXXX XXXX was withdrew twice. Putting my account to a negative XXXX. I initially only wanted to withdraw the first XXXX $ but when I realized my bank withdrew XXXX $ .As a result of this, I called my bank immediately to notify them/ and I filed a dispute. I was given a provisional credit by my bank in till they figure out where the second transaction is. 
By the time the system updated the other XXXX charge was gone. And they made the dispute on the XXXX I had authorized. 
XX/XX/XXXX the provisional credit was taken back : the problem now is my actual XXXX on my XXXX XXXX isnt there anymore and when I contacted XXXX XXXX I was told the bank pulled it back. And that I should contact the bank for my money : when I contacted the bank, they told me to contact XXXX XXXX. I have emails from both party, pushing me to each other. This is not helping me and this has taken a toll on my mental health and well-being. 
My bank is BMO Harris bank
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax regarding their failure to adequately address my dispute letter sent on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. The disputed items include accounts from XXXX, XXXX, and a reference to bankruptcy with the case number XXXX. 

Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Equifax regarding the results of their investigation. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus like Equifax are mandated to conduct a reasonable reinvestigation upon receipt of a dispute to verify the accuracy of the information in a consumer 's file. Equifax 's failure to respond with investigation results indicates a violation of my consumer rights under the FCRA. 

Enclosed with this complaint is a copy of the dispute letter I sent to Equifax as proof of correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for a fraudulent account on my credit reports. 

XXXX XXXX Equifax - XXXX XXXX XXXX {$38000.00} The balance keeps increasing every month. I never lived here!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out dispute letters to XXXX and TransUnion disputing some inaccuracies on my credit report. I was not satisfied with their vague response of 'verified ' without showing any proof. So on XX/XX/2021 I sent letters requesting a reinvestigation, including the method in which the items were " verified ''. I also submitted another dispute to both bureaus, and neither has responded to neither of my dispute letters sent on XX/XX/2021. This is a violation of my rights as a consumer. I have attached to letters below for your reference.
Product: Mortgage

XX/XX/XXXX Debt Collector : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT cc : Federal Trade Commission XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX  XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT or MORTGAGE DEBT PAID This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 2. Default date of Mortgage 3. Proof that the Statute of Limitations has not expired Your office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX  during the time that my information was being used. I have submitted a police affidavit and FTC to equifax and I haven't gotten a reply back for that. I submitted a XXXX  letter as well earlier this year and got no results.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.
Product: Mortgage

We entered into a repayment plan with Seterus in XX/XX/XXXX. We paid {$2500.00} at the time and then paid higher payments for the duration of the 18 month agreement. This agreement ended with the XX/XX/XXXX payment. As soon as I paid that, Mr. Cooper began the Preforeclosure process, claiming we were in default. I IMMEDIATELY contacted them and asked how we can be in default status when we completed the repayment plan as agreed. At this time, I checked our mortgage statements more closely and saw that they also have been charging us late fees and some other type of fee this entire time saying the payment was late every month. Additionally, oddly enough, the original amount they said we were behind was {$2500.00}. I have asked on multiple occasions for them to explain how we can be in Default. I've asked to see the assignment that gives them ownership of the note ( it has never been recorded here in XXXX ). I've asked them to review the original repayment plan with Seterus ( they can't find it ). Logic would dictate that if we weren't in default for the entire time since beginning with them, then we wouldn't suddenly be in default at the end of a repayment plan meant to cure a default. They have yet to provide an accounting as to the original {$2500.00}, why we're getting charged late fees, and how we're in default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting fraudulent information in my credit report. Ive tried to straighten this out with them and the creditors by submitting documentation validating fraud however the company doesnt comply with the law. The XXXX accounts and XXXX XXXX Bank accounts are all fraudulent.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these Accounts. 
XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Product: Credit card or prepaid card

XX/XX/XXXX, I submitted {$250.00} with my application for a " USAA Secured Card Platinum Visa card. '' The card was received with a letter stating " ... more ways your card is working for you : -- helping you build/rebuild your credit. '' My credit limit is {$250.00}. The CD matures XX/XX/XXXX. 

XX/XX/XXXX, I rang USAA, and spoke with " XXXX. '' She informed me that " closing the CD would close my credit card. '' XX/XX/XXXX, I received a letter from USAA stating " your CD ... will soon mature. If no action is taken, your account will automatically renew in a CD with a similar term. '' XX/XX/XXXX, I rang USAA, and spoke with " XXXX. '' He restated what " XXXX '' had previously said. I was then transferred to " XXXX '', who was *supposed* to be a " credit card specialist. '' In fact, " XXXX '' is in the " new accounts '' department. She stated that there is no procedure whereby my account could be " graduated '' OR " converted '' to an " unsecured card. '' Furthermore, my {$250.00} CD will be applied directly to the outstanding balance. It is worth noting that the cumulative amount of interest paid on my CD ( as of XX/XX/XXXX ) = {$2.00}!!! 

My payments have been made on a timely basis, automatically withdrawn from the same checking account, are usually above the minimum amount, and my balance has NOT exceeded {$250.00}. Closing my account will negatively impact my credit score -- contrary to the very reason I opened the account in the first place!!! 

In contrast ( XX/XX/XXXX ), I submitted {$150.00} with my application for a " XXXX XXXX Secured MasterCard '', and a credit line of {$200.00}. XX/XX/XXXX, I was notified that my credit line had been INCREASED to {$600.00}. I rang XXXX XXXX, to confirm that a mistake hadn't been made. I was informed that they proactively review accounts, my account was " in good standing '' and my payment history justified the increase. 

Upon receipt of the notification from USAA, I once again rang XXXX XXXX. " XXXX ' '' informed me that the CD security is held for the " life of my card. '' However, XXXX XXXX ALSO proactively reviews accounts, my account *can be* " upgraded '', and the CD released to me. 

Had I been advised that my {$250.00} would be held indefinitely, I would NEVER have opened an account with USAA. Furthermore, 2 years is most certainly sufficient time for USAA to recognize my credit " worthiness. '' Indeed, XXXX XXXX made such a decision after only 6 months!!! 

USAA is, once again, engaging in unconscionable predatory practices. Reference prior CFPB complaint XXXX, wherein a " defender hold '' was placed on my payment for 10 days, and I was accused of " money laundering. '' I have been a USAA member for 29 years, and am currently facing a lose-lose proposition. My credit rating will be irreparably damaged. 

USAA 's ( current ) slogan is " good enough is NOT good enough. '' Indeed, USAA is NOT EVEN " good. ''
Product: Credit reporting or other personal consumer reports

I have XXXX credit card accounts in which were accessed fraudulently between XXXX. The first being XXXX XXXX XXXX, which reported a late payment in XX/XX/XXXX, a negative item on my credit report due to fraudulent charges being made without my knowledge, authorization, or involvement. The second account is XXXX XXXX XXXX, which reported a late payment in XX/XX/XXXX. The Late Payments appearing on my credit report are the result of Fraud, and I had NO participation these charges were made against my credit card account WITHOUT my knowledge, authorization, or participation of ANY kind. They are the result of IDENTITY THEFT. I have submitted a CFPB complaint, along with my FTC identity theft report, and valid identification and I am demanding my rights as afforded to me by the FAIR CREDIT REPORTING ACT.. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within XXXX business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to these credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. The Account number for the XXXX XXXX XXXX is. I am supplying all the documentation required in FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) for the credit reporting agencies to BLOCK all information within XXXX business days. ( SEE XXXX ) I DEMAND that this FRAUDULENT use of my credit cards, a result of IDENTITY THEFT and resulting in the negative information on my credit reports, be no longer incorrectly reported on my credit reports. I also DEMAND that ALL negative information pertaining to this credit card account be BLOCKED within XXXX business days and REMOVED from my credit report, as I had no involvement in these unauthorized charges and therefore am not liable for them. ( REQUEST FOR BLOCK AND REMOVAL -- -> XXXXXXXX XXXX XXXX XXXX  ACCT # : XXXXXXXX XXXX XXXX LATE PAYMENT, XX/XX/XXXX. XXXX. XXXX XXXX XXXX BANK ACCT # : XXXXXXXX XXXX XXXX LATE PAYMENT, XX/XX/XXXX. ) If my rights are ignored and not granted I will be inclined to pursue litigation. Thank you.