23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Someone fraudulently opened a Living spaces credit card account back without my knowledge or authorization on XX/XX/XXXX for {$10000.00} and I immediately on XX/XX/XXXX called XXXX XXXX after I learned of the account that I didnt open an account with them and to cancel all purchases. I called Synchrony bank ( XX/XX/XXXX ) and told them of the fraud account and they investigated but later tell me that my denial was rejected because they say I did open the account. I again called ( approx XX/XX/XXXX ) to ask if the fraud investigation form were mailed for me to fill out because I had not received. I too asked Synchrony bank for evidence of documents submitted while opening the account with XXXXXXXX XXXX but they said they couldnt give me that information and for me to wait for fraud investigation form. I did fax the fraud investigation forms ( XX/XX/XXXX ) within the timeframe of 15days but then received claim review and synchrony fraud team responded with saying they were unable to approve my claim because they believe I authorized and items were shipped to my address. I want justice in this matter because Im a victim of fraud.
Product: Debt collection

Called me at XXXX, XXXX, XXXX, XXXX. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less!
Product: Debt collection

I am filing a complaint against XXXX, XXXX, and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my numerous submissions, XXXX, Experian, and XXXX respond within 24 hours stating the account is accurate. All I am asking for is the Purchase Agreement, Bill of Sale, and Sale Data File. I recently attached a copy of the XXXX XXXX document where XXXX XXXX XXXX took me to court and was later Dismissed without Prejudice. I am prepared to send a copy of the paperwork to CFPB. If you are reporting these accounts to any credit reporting agency, under the Fair Credit Reporting Act ( 15 U.S.C 1681B ), you must verify this debt to these agencies upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the XXXX companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Debt collection

The company contacted me at work. Ive never heard of this company in connection with my student loans. I have also never received information from the original debtor or the company so that I may verify the original debtor contacted this company to use their services regarding my student loan.
Product: Mortgage

I originally contacted my mortgage company PennyMac XX/XX/2021 regarding a refinancing of my current mortgage. I have had my home for 10 years and wanted to refinance the remaining 20 years of my mortgage. 

I was told based on my credit score I was eligible for a 2.25 % re-fi FHA and closing costs would be approximately {$500.00}. 

Each time they requested documents I had to supply them within 24-48 hours and I complied even though the requests were made late on Thursday nights. 

Aside from the requests for information there was little communication with them. When the process was approaching 60 days I requested an update several times wanting to know why it was taking so long and no response was received. On XX/XX/2021 I received information that they had identified {$900.00} in my checking account for closing costs and another {$250.00} was needed. When I questioned what the closing costs were really based on because it did not seem right to be based on my available funds no response or explanation was given. Nor did anyone respond with an explanation as to why the process was taking so long. XX/XX/2021 I received an email that indicated there was information needed on my account. When I logged in there was a document request dated for XX/XX/2021 stating {$900.00} had been identified as available for closing and an additional {$600.00} was now needed. How does this happen? Why did the closing costs go up? Why the different dates going backwards on the request? Still no explanation as to why the closing costs were much higher than stated or why the process was nearing 90 days. I had been with this company for many years and never late on a payment. There was no pending inspection or appraisal but no one would answer my questions.
Product: Credit reporting or other personal consumer reports

I see that there has been an update to my report but it seems no one actually made the change the account in dispute XXXX XXXX. Can you please update my report by changing my account to paid never late as I previously asked. 

This is in response to complaint ID XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 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/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint through CFPB on XX/XX/year>. I received a response from XXXX XXXX XXXX XXXXXXXX but I disagree with their final decision. As stated by CFPB through the website, " While there isn't a single law explicitly protecting a consumer in this exact situation, the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ) could potentially provide some legal recourse if a mortgage company reports missed payments to credit bureaus even after you've applied for and been approved for a mortgage assistance program and notified them of your XXXX XXXX causing the missed payments. '' After the XXXX XXXX XXXX on my work site,  I took all the necessary steps with XXXX XXXX XXXX XXXXXXXX to ensure my credit score would not be impacted. I applied for the mortgage assistance program, and I was approved. It was not confirmed that my credit score would be affected. It is said that XXXX XXXX XXXX XXXX should aid me in this situation because it is not my fault pertaining to CFPB policy. Additionally, I have paid off the balance entirely and submitted my most recent loan payment. I do not believe my credit report should be impacted. I would like to know if I could be provided legal recourse from CFPB to help me with resolving the issue. I have been a borrower for over seven years and have never missed a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. I submitted various letters to the above reference bureaus on different dates, with the last date to be given on XXXX, Can you please assist me in fixing the error. 

These are the facts : : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 3. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report 8. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. This is a duplicate account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
11. The following account is not mine XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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 & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX back has sent me multiple notifications by mail regarding a new checking account, including a brand new debit card. I never opened these accounts. In XXXX of the pieces of mail it states I visited or applied online for a new account on XX/XX/24 and a XXXX digit online access pin was used to enroll. I never opened these accounts or established any pins. I called PNC bank ( XXXX ) on XX/XX/24 after I finally went through a stack of some old mail. Prior to calling I confirmed online that this was a real bank and the phone number is accurate. As I have never heard of this bank and it doesnt operate or have any branches in the state that I live in. A woman on the phone would not verify if I had any open accounts and only suggested I call the credit bureaus to freeze my credit. She did ask for my full social security number though!
Product: Vehicle loan or lease

I initially disputed this account because I noticed multiple Fair Credit Reporting Act violations. I reached out to Capital One via certified mail. After receiving little documents from them regarding this account, I immediately noticed that they never provided me certain disclosures that are required by Federal Law such as legal disclosures required under 15USC 6802, legal disclosures required under Uniform Commercial Code 9 and Proof of Commercially Reasonable Manner of Transaction of the Subject Vehicle. Capital One responded saying they basically have complied and that is a flat out lie. I was never given the opportunity to not disclose this information to a third party and this took away my consumer right to non-disclosure. 

SINCE I DIDNT GIVE YOU WRITTEN INSTRUCTIONS TO report anything to my consumer reports, this is another violation of this Federal Law known as the Fair Credit Reporting Act. 

I have to tried to resolve this matter with Capital One but they have shown no effort into deleting this account after violating my consumer rights and the FCRA. 
So now I am requesting compensation for Capital One willfully failing to comply with any requirement imposed under 15USC 1681. I am demanding $ 1000per violation totaling {$5000.00} and a full deletion of this account from my consumer reports due to this repossession being reported on my consumer reports causing me damage. 

In addition, i received a dunning letter from XXXX XXXX attempting to collect this same alleged debt as Capital One and this is another violation of the FCRA. Because it is illegal for two companies to collect on the same account at the same time.
Product: Credit card or prepaid card

On XX/XX/2021 XXXX XXXX sent a refund to an old credit card, this card switched companies from XXXX XXXX to Comenity Bank. XXXX XXXX provided me with the XXXX Reference Number ( XXXX ). The refund was for an amount of {$750.00} and it was given to XXXX XXXX. 

When I contact XXXX XXXX they state that they do see the positive balance owed to me, but cant help me and tell me to contact the new card company ( Comenity ). When I contact Comenity they state that the money is at XXXX XXXX. 

I have called many many times. Sent emails and have contacted an attorney. My attorney could not get them to speak with her & I had to fill out an authorization for my attorney. 

I called again before pursuing this option and they offered no help. 

My family desperately needs this money back. I would like the full refund that was sent by XXXX XXXX to XXXX XXXX to be refunded to me and sent by check.
Product: Mortgage

CMG Mortgage , Inc. its affiliates, agents and employees ( collectively, " Servicer '' ), is the servicer of my mortgage loan. I have experienced financial hardship negatively impacting my ability to make on-time Mortgage payments due to COVID-19 and made a request for a COVID-19 Forbearance in XX/XX/XXXX and was granted such for 18 months until the end of XX/XX/XXXX. On XX/XX/XXXX the Servicer ( CMG Inc ) approved and tried to put me into a COVID-19 Owner Occupant Loan Modification that resulted in a higher mortgage payment than before the forbearance, which is not affordable as my COVID-19 financial hardship continues. 
On XX/XX/XXXX I appealed, the Servicers, decision and stated : I am hereby informing you that I am requesting an appeal of your decision not to evaluate my eligibility and produce terms for all the retention programs available to me after the Cares Act Mortgage Forbearance program. Namely I request that I be evaluated for the Covid-19 Combo Partial Claim and Modification, and the Covid-19 HAMP Combo Mod/Partial Claim. 
As of XX/XX/XXXX the above retention options have been consolidated into the COVID 19 Recovery Modification, which replaces the COVID 19 Owner Occupant Loan Modification, COVID 19 Combination Partial Claim and Loan Modification, and the COVID 19 FHA HAMP Combination Loan Modification and Partial Claim with Reduced Documentation. CMG, the Servicer, responded on XX/XX/XXXX by denying my appeal and threatening consequences. To this day CMG still refuses to evaluate and grant the aforementioned COVID 19 retention options despite the law and repeated requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have been separated multiple times, i am a twin and my social security number and name keeps getting merged with my twin sibling whos name is very similar to mine, our social security numbers are very close as well. I can not access anything and the credit reporting agencies think i do not exist.
Product: Checking or savings account

Marcus bank is holding XXXX XXXX dollars from a real estate transaction wire fund. The wire fund was supposed to have been rejected 2 business days ago and after multiple phone calls with supervisors. First they would not accept a transaction over XXXX. I was not aware of that. However, the same days I then just requested for them to reject the wire. They did not do it. I am now being told there was an error on their part but it will still take another 1-3 business days for the funds that were never accepted by them to be returned to the escrow bank that sent them. This is deceptive practice & should be illegal for a bank to hold funds. Its very scary as a consumer to not know where my money is to be told basically that its floating somewhere in space! TERRIBLE. I will be closing my account the them as soon as this mess is resolved but feel others should know about this. Also, their customer service people have no business working in banking. I understand working for home but these people have no idea what they are doing & I could hear a womans baby screaming on one of my calls!
Product: Debt collection

I XXXX, XXXX co-signed for a car for my brother and he didnt meet the payments, Due to amount of payments not being paid, they repossessed the car and still say that I own them {$20000.00} been working with some credit people to help dispute this off my credit but nothing havent changed yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. XXXX  is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

On today, XX/XX/XXXX of XXXX I received a call from a lady named XXXX who works with a debt collection company called IQ data. 

I spoke with XXXX at links, as she told me that she had a collection in her possession from the XXXXXXXX XXXX. I lived at the XXXX from XX/XX/XXXX until XX/XX/XXXX, my lease ended on XX/XX/XXXX of XXXX and I paid all of my rent for the entire lease. In fact, I over paid by {$1400.00}. 

I offered to send XXXX correspondence between me and the manager, XXXX, at the XXXX proving that I did not owe any money at all. She refused to allow me to send the correspondence proving that I do not owe the debt. She also refused to give me her contact information. 

This point I called back and I spoke to a lady named XXXX who also refused to give me an email where I could forward the conversation between me and the XXXX She transferred me back to the lady named XXXX who gave me a fax number where I could fax proof that I do not owe the debt, but they would not except the correspondence from me because I have an attorney hired who handles my credit issues. 

After contacting them and letting them know the issue that I am having, they are sending correspondence to her and they advised me to contact you and let them know. 

The name of the company is IQ data. The fax number is XXXX I do not have any information regarding this debt because they refused to give me any information including a reference number or any way for me to identify the debt. She would not even tell me the full amount of the debt only that it was around {$3000.00} They also refused to send proof of the debt I was told that they were not legally obligated to send proof that I owed the debt.
Product: Checking or savings account

I recently opened a high yield savings account at the start of this year, XX/XX/year>, with Barclays XXXX XXXX a Barclays XXXX XXXX account, with over {$50000.00} deposited into the account. I initially funded the account by transferring money via XXXX from another account with XXXX Access. Two weeks later, I attempted to set up the ability to make transfers with a second bank in my Barclays account, this time with an account I hold with XXXX XXXX XXXXXXXX, as this is my main hub bank. It required the same method of verification that setting up the initial deposit with XXXX Access did : two small transfers to the account in XXXX 's name, which I would then be required to verify the amount with Barclays. Today, XX/XX/year>, I noticed in my XXXX XXXX  XXXX notifications that the deposits had posted, so I attempted to log in to my Barclays account, only to be greeted with a message informing me that " your account is currently restricted '' and to call their customer service phone number for assistance. When I called, their representative verified my information, but told me they needed further verification that I was the owner of the accounts I had set up for transfers or order to regain access to my money, and that it would take at least 10 business days to get my money back. If there was any doubt that the accounts I attempted ( and already used to fund my Barclays account ) to set up for transfer weren't truly mine, why would they initiate the test deposits via ACH in the first place???
Product: Debt collection

AD Astra Recovery Service, on behalf of " Speedy Cash XXXX '' has had a collection to my credit report for the amount of XXXX. I am not aware of this debt, nor have I received a letter about the debt notifying me of my right to dispute - Nor have I received a debt validation letter. 

I live in the state of Alabama. I am not sure that this creditor is even registered in alabama to collect funds. 

I want this erroneous information removed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid of the balance on a XXXX card in two payments. On XX/XX/2020 I made a payment of {$120.00} and on XX/XX/2020 another payment of {$130.00}. Which results in a XXXX   balance. I checked my credit report and transunion is reporting a balance of {$250.00}. I contacted XXXX XXXX  XXXX and was informed they reported the new account balance to the three credit bureaus. I then called transunion to dispute the information. I just checked my credit report to see the update and it says transunion investigated but didn't make any changes.
Product: Checking or savings account

I received approximately 15 letters from Wells Fargo regarding unauthorized purchase, 4 were kept and reimbursed and a XXXX reference number was recovered, but XXXX are still missing. I contacted both Wells Fargo and XXXX at the return addressee provided on letters. I received one phone call with an unintelligible phone number. So I am still owed about {$10000.00} or more in reimbursements for unauthorized product purchases from Wells Fargo.