23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I am victim of ID Theft. I have notified my craditor which is Bank of America, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions.
Product: Debt collection

XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from Synergetic Communication , Inc. a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX XXXX. There is a secondary collection company named XXXX XXXX XXXX who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX XXXX  nor XXXX XXXX XXXX nor Synergetic Communication , Inc. And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX
Product: Mortgage

Attn : Research Dept Account : XXXX Borrower : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Chase has failed at the branch level and the leadership level, to answer the simple question of how and why XXXX  was added to a loan modification on XX/XX/2022. A supporting timeline of the unaddressed is enclosed. 
In one more attempt before counsel gets involved, I request again. 

Section XXXX of the loan modification agreement, there is an amount of XXXX with no supporting detail calculating how that number was derived. 

Please supply detailed documentation on how this number was created and calculated to support the agreement. Please assist us with full disclosure or refund the undocumented amount.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate names and address on my credit report. Despite prior disputes, these incorrect names and address remain listed : These names and address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct names and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

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

There is a fraudulent account reporting on my Experian credit report. The account is not mine. I have submitted a Federal Trade Commission ( FTC ) report and contacted Experian to dispute and remove the account from my credit report. Initially, they removed it. However, short after, they added the account back on my report and will not allow me to dispute to have the account removed. The same account was disputed and removed from both XXXX and XXXX without any issues. I am filing this complaint, to ask you to please help me have Experian dispute the account, remove and block this account from my credit report. 

The account name is XXXX. 
The amount charged off on the account is {$320.00}. 
The account open date is XX/XX/2019.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts XXXX Balance {$1200.00}, XXXX Balance {$500.00}, XXXX XXXX {$300.00}, XXXX Balance {$1700.00}, XXXX XXXX XXXX Balance {$2400.00}, XXXX XXXX Balance {$2900.00}, XXXX Balance {$1700.00}, XXXX XXXX Balance {$3100.00}, XXXX XXXX Balance {$3600.00}, XXXX XXXX {$1700.00}, XXXXXXXX XXXX  Balance {$880.00}
Product: Debt collection

I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. 

The late payments in question are associated with the following accounts : OPORTUN/PROGRE SO FINAN XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or OPORTUN/PROGRE SO FINAN customer service representative XXXX 


I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. 

I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. 

Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. 

If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

The account XXXX on my experian credit file is reporting inaccurately compared to others. This should be looked at immediately. Ive uploaded documents supporting my claim multiple times and nothing has been done.
Product: Money transfer, virtual currency, or money service

Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Both complaints are refunds are over the 10 business day policy time frame
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX Balance : {$500.00}
Product: Credit card or prepaid card

Approx. XX/XX/2017, after reviewing the charges on my credit card, I became aware that I had been the victim of identity theft. I promptly notified Bank of America, reported the identity theft to the credit bureau and filed a police report. Despite timely notice, Bank of America continued to allow charges from foreign countries to accrue, despite the fact that I never visited these countries. The total amount Bank of America allowed to accrue is over {$600000.00}, despite the {$3700.00} credit limit and the timely notice of disputed charges. I had to hire an XXXX XXXX XXXX XXXX letters to Bank of America and despite the certified mailing being signed for, Bank of America stated it was received or was sent to the wrong dept. After resending the letter to the correct address provided by Bank of America, they stated the same thing after signing for the certified mail sent to the addresses they provided. I have personally physically went into the branch and filed a complaint to no avail. I was unable to purchase a new home because of the adverse reporting of Bank of America on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting or other personal consumer reports

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. XXXX said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Creditor is reporting different info to all credit companies Experian, XXXX, and XXXX The following Account Creditor : XXXX XXXX Bank Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH XXXX  XXXX  XXXX  TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXXSUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} SUNBIT, INC XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 0 Remarks -- Creditor Name SUNBIT, INC Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} XXXX/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information XXXX XXXX Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last XXXX  years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX/SUNBIT Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct ? 
If not, you can report an inaccuracy.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/year>. Tower loan. XXXX XXXX. These are inquiries on my credit report that didnt consent too. I would like them removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, XXXX consistently responds within 24 ours stating the account is accurate, without providing any evidence of a thorough investigation. this practice violates the Fair Credit reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provided consumers with the necessary proof of investigation. Account with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans used to be with XXXX XXXX, then was transferred to XXXX. XXXX discharged my student loans due to my disability. I tried to get the 3 credit bureu 's to fix my student loan 's on them to show closed or paid off. I even uploaded and mailed in proof of the discharge to all three, XXXX XXXX doesn't exist anymore, all their phones are disconnected, i have disputed to all three credit bureau 's at least 7 or 8 times and each time they keep saying that the investigation shows the information is accurate. How can it be accurate when they can't contact fedloan, two, i uploaded and mailed in proof of my loans being discharged. Why aren't they going by proof mailed to me from XXXX themselves showing that each loan was discharged. If you google XXXX XXXX, this is what you get : XXXX XXXX, a company that collected and tracked federal student loan payments, is no longer active. Its government contract expired in XXXX XXXX and all loans in the XXXX portfolio have been transferred to other servicers. So being that they are no longer active, they were sent to XXXX in my case, in which nelnet discharged mine due to my disability. Why is it so hard to get the 3 credit bureau 's to actually fix my student loans on my credit reports, I mean evidence shows that it should show paid off, as well as XXXX said they should show paid of as well.
Product: Mortgage

I took a conventional 30 year loan from XXXX XXXX in XX/XX/2020. This loan included an escrow for property taxes, home insurance and HOA fees. There was no lock in period for the escrow. 

In the next few months, the mortgage was transferred to Wells Fargo. It was conveyed to me that all terms of original loan were to remain the same, as is the norm. 

Two weeks ago I contacted Wells Fargo to close my escrow as I want to take care of these payments myself. 

Initially, I was told the process would happen and I would receive a check from Wells Fargo for the escrow amount collected. 

Instead, I have now received a letter from Wells Fargo that my escrow can not be closed for a a period of 24 months. 

I have contacted Wells Fargo numerous times. Till now, they have been unable to provide me with a single document that shows my acceptance of a 24 month lock in for escrow, or for any time whatsoever. 

This case is now escalated to their Executive Complaints team. The Case number is XXXX. 

At this point, Wells Fargo is " researching '' the issue. 

I am attaching a copy of my original closing documents with XXXX XXXX as well as the letter received from Wells Fargo. 

My resolution is simple : Close the escrow and return the amount collected till date. There is no basis for adding a lock in period after the fact, as well as without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I checked my credit report through XXXX. XXXX and XXXX   reports came back as accurate. Upon pulling my Equifax report, the Equifax website asked for my personal information and ask for me to complete the e-verification questions, which I completed appropriately. When the credit report was pulled, the report contained the name of another individual with a complete different credit history from my own. I have reached out to Equifax and filed a formal compliant and put a fraud alert on my account. 

My concern is their website linked my information to an entirely different individual and credit history. I'm also concerned as a consumer that my sensitive personal information is not secure and may be  available for others to view.
Product: Credit card or prepaid card

On XXXX I placed an order via website XXXX  and I was to receive the order within 5-6 days. I repeatedly emailed asking to ship my order and because it took so long I requested to cancel. I received an email stating it was in process sorry for the timeframe, etc. After almost 3 weeks I got the order and it was the wrong size. I immediately returned the item after notifying the merchant which took them a week to respond. Because it took so long for the merchant to respond to request to cancel the order or ship the item I filed a dispute with the bank. In the meantime I received the order and immediately returned it. When I received it I called paypal on XX/XX/XXXX and notified them I received it and returned them and provided the tracking number. A few days later on XX/XX/XXXX I get notice my case was closed because they shipped it. No regard for my call with the track info that the shoes were returned. I then called AGAIN on XX/XX/XXXX because they rep did not process my dispute on the previous call. So I called again for the 3rd time to file another dispute because I no longer have the item I requested to cancel, that took too long and I paid for the return. The tracking number XXXX XXXX which was confirmed delivered
Product: Credit card or prepaid card

{$500.00} was taken from from cashapp available balance on XX/XX/XXXX going into XX/XX/2023. The company ( Cashapp ) can not tell me where my money is or what transaction lead to taking it. Please I need my money back.
Product: Debt collection

I 'm in the process of credit repair! I contacted all the bureaus in regards to verifying each debt on my credit files. Conn 's ( XXXX ) originally submitted my charge off amount as {$1300.00}. The resolution in my dispute was the account was " verified ''. I did n't receive any documents showing my affiliation to this account. The update amount of this particular account added an additional {$10000.00}. My new balance is {$13000.00} on all of my three credit files. I spoke to a XXXX rep who stated that it was n't anything they could do but verify AGAIN what the amount is. This process can take another 30-45 days. I 'm totally upset and feel violated that a creditor can add an additional XXXX to my credit file, drop my credit score XXXX points and I have to wait until more research is done. Can you please assist me in this matter? Is there anything I can do? I attached the different credit files from XX/XX/XXXX and XX/XX/XXXX to show the difference.
Product: Debt collection

Jefferson Capitol System ( XXXX ) XXXX Debt Buyer I didn't authorize or gave permission for the Debt Buyer with my information. 

XXXX XXXX XXXX XXXX DEBT BUYER didn't authorize or gave permission for the Debt Buyer with my information. 

XXXX XXXX XXXX ( XXXX ) XXXX didn't authorize or gave permission for the Debt Buyer with my information.