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

" I've noticed several attempts to obtain credit and loans in my name, all within a single day, despite not being responsible for these actions. It appears that someone has fraudulently used my identity to apply for financial products without my consent. I'm deeply concerned about this unauthorized activity and would like to take immediate steps to address and rectify the situation. '' XXXX this occurred inquiry XXXX I noticed it
Product: Mortgage

I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
I am pretty sure that they are taking money from my escrow account which are not shoved on my escrow balance. 
Now I have terminated and removed my Escrow account for the mortgage. I asked also about remaining balance on escrow account.If they send me check with balance I will know exactly how much money dissapeared from my account.
Product: Mortgage

My recent mortgage was underwritten by XXXX Mortgage ( BHM ) for XXXX XXXX XXXX XXXX XXXX XXXX ). During the application, we advised XXXX that we intended to make a large payment to the principal amount shortly after closing and seek a recast of the payments. We were advised by XXXX that we could do this at any time. Shortly after we closed and before we had made a single payment, our loan was apparently purchased by XXXX and servicing transferred to Specialized Loan Servicing ( XXXX ). When I called XXXX to do the recast, I was told that I would have to " apply '' for the recast, pay a {$500.00} fee, and that it could not be done according to XXXX 's internal policy until after 90 days had elapsed from closing. 

I spoke to XXXX and this is not a requirement it imposes, but seems to be imposed by XXXX at its volition in an attempt to generate fee and interest income by charging unwarranted amounts to consumers. It is not disclosed in any of the documents I received from XXXX, XXXX, or XXXX. This seems to me to be an unfair practice under the XXXX XXXX XXXX as it causes substantial ( financial ) injury ( in my case, I estimate more than {$2000.00} ) ; it is not reasonably avoidable as it is not disclosed prior to closing ; and its benefit is not outweighed by the harm it caused me and potentially numerous other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint on Lendmark Financial Services. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX Lendmark Financial Services Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX . I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XX/XX/XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was Lendmark Finanical Services they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report that was provided by your agency. I request that you review this information and make the necessary corrections to my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  secured card account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXXt # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX I believe that this information is inaccurate and incomplete, and I am requesting that your agency conduct a thorough investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.

Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.

The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 I request that you review this information and make the necessary corrections to my credit report. 

Additionally, I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these XXXX XXXX XXXX and it has not been corrected. The following accounts are still reporting wrong on my credit report but it is already closed. These accounts have been closed however, the account payment status is 30 days late. The accounts payment status CAN NOT be 30 days late on accounts that has been closed. The account 's status is wrong and should be closed. Now, I want you to correct this misinformation on my file. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$5700.00}.
Product: Credit card or prepaid card

In XX/XX/2022 I put a deposit on a vacation for the amount of {$1800.00} using my Barclaycard. In XX/XX/2022 I received my statement and paid off the balance in full. 
Due to the vacation area unfortunately bearing the full impact of Hurricane Ian in XX/XX/2022, I attempted to contact XXXX XXXX XXXX XXXX XXXX XXXX and cancel my vacation and retrieve my deposit back. They refused. I put in a dispute with Barclays for the charge of {$1800.00} in XXXX of 2022 and that amount was credited to my account. I asked for Barclays to be send it back to me in the form of a check as I had cancelled my credit card and I was sent the amount of {$1800.00}. 
I did not cash the check as Barclays was contacted by XXXX  who told them I had to pay the deposit. Barclays sided with XXXX and closed my case. 
I sought legal representation and the lawyer managed to get XXXX to agree to cancel my vacation, as they were unable to provide me with lodging. 
Barclays is saying that they are unable to obtain funds from merchant, and XXXX is saying funds were released to Barclays in XXXX upon my initial dispute. 
Barclays now have sent me a statement, as they believe that I owe them {$1800.00}, and it is collecting interest daily. They have sent my information to the Credit reporting agencies. 
I have spoken with many different representatives ( 25 plus ) and they are unable to help me, nor fully understand the problem. Each time I call I have to speak with a different person, who gives me different answers. They have truly complicated a very simple issue.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- - Unauthorized Inquiry 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I was denied a relocation assistance without ever being notified despite numerous phone calls. I went through the home modification program twice. I told them I wanted to do a short sale after all of this. Nationstar provided me with a realtor who worked for them. I got railroaded the whole way through. Now I 'm out of {$3000.00} and no home.
Product: Mortgage

an insurance company issued payment for flood damage to a home, and listed tthe mortgage holder on the draft. after endorsing the draft and sending it tothe mortgage holder ( seterus / XXXX ), the mortgage holder has committedintentional fraud, and will not refund the money to complete the flood repairs. 
they continually change criteria for release of the funds, indicate that we haveto complete repairs from money out of our pocket, and has caused loss ofuse of our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from Equifax informing me the results of my investigation are complete and lacked any proof of verification. Police and identity theft reports were received by Equifax containing accounts that were opened without my consent. Neither the creditors/collection agency has yet to respond to my dispute, therefore Equifax could not have verified these debts.
Product: Debt collection

They keep asking for a person who does not belong in my household nor is a person that this phone number belongs to. I do not personally know the person that they are trying to collect the debt from but they have made several calls to my phone after I had expressed that they had the wrong number to the person they were trying to reach.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX 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 XXXX XXXX customer service representative.
Product: Vehicle loan or lease

XXXX practice 'XXXX XXXX  '. XXXX XXXX  '. as recognise more insidious forms of XXXX that counter a very real impact on the employment chances, pay, health and finance of XXXX minorities. 

During the coarse of my tenure with XXXX they adopted acts to discredit and discriminate my account because I made all my payment timely, they seeked to perform acts to remove any all account related to my name to systematically discriminate me from financing another vehicle with them because of ny XXXX 

XXXX would note ny accounts as past due or completely remove my account from their system to enact XXXX XXXX, due to lack of protection by Congress and/or The Department of Justice for systematic XXXX
Product: Credit card or prepaid card

I was really surprised when I received a copy of my credit score showing XXXX points lower due to the closure of Macy 's credit card by the merchant. This is a very abusive practice from Macy 's due that Macy 's is penalizing a customer for not using their credit card and in addition without previous warning and without giving the opportunity to the customer to remedy the situation even when knowing how closing an account by the merchant will affect the credit score of the customer. This is abusive and against the fair and safety practices towards a customer. Called Macy 's customer service and talked to XXXX who informed me that she could not do anything that it is Macy 's practice to close an account after it has not been used for a period of time and if I wanted I was more than welcome to apply for a new Macy 's card. I can understand that Macy 's can have their policies for the use of Macy 's card, however, I have been a cardholder since 2014 and never been late with my payments, in fact, I never carry any balances due that I paid off the balance as soon as I received the statement. Macys did not even have the courtesy and the business integrity to let me know that they were closing my account. No previous notice, no letter informing about the decision, nothing, they just closed the account without including any information or reason to the credit bureaus on why they were closing the account, it only shows account closed by the merchant, which resulted in lowering my credit score for XXXX points. This is not fair, this can not be legal, and moreover, when based on the new law my credit scores were supposed to increase and now they are lower than ever. I need your agency to investigate this matter due that Macys is on purpose and knowingly hurting the most important tool a person could have to keep and maintain good credit scores in order to receive good rates in any service that the credit report is required, including employment.
Product: Credit card or prepaid card

In XX/XX/2021 my husband and I received promotional offers to upgrade our AMEX. This was emailed. We followed the link and I upgraded to Gold and was supposed to receive a large sum of XXXX points if we spent $ XXXX in 90 days. Our statements show we made a clear effort to use the Amex for our spending and we reached the agreed upon amount very quickly. 

We noticed the points didn't arrive after the statement ran. We have called several times and we get the runaround with no real knowledge or seemingly a department to handle these issues. 

Ultimately today after cases were opened with no return calls as promised a supervisor informed us that because we didn't keep the email we can't prove that we accepted an offer and they refuse to provide the points. 

Unfortunately this was a quid pro quo agreement with American Express and we did out part. 

They are putting it on US to prove when THEY had THEIR promotion. 

We did not keep that type of an email as this does not seem that it would need to be an issue that would require proof from their promotions. They are able to confirm the timing of their own promotions, see when we upgraded and see what we spent. 

This is a clear refusal after receiving their portion of the agreed procedures to not provide their part of the agreement.
Product: Debt collection

About 3 years ago the wife had XXXX. XXXXnsurance covered most of it but the gas to put her under was not covered we didnt know at the moment that it didnt cover nothing so we had to pay everything out the pocket. We couldnt pay it at the time. So they had sent her information to browns collection. After about 12 months I get a call from ( Ms XXXX ) stating that they kept on send me mail ( they had the wrong address ) to get the debt paid. That I needed to pay her debt since we are married and it can affect me credit. So I started to send payments as they requested. The wife asked if they had a debt settlement which she stated they didn't that we had to pay everything in full. So I never missed a payment until recently due to covid19.  Around XXXX Ms. XXXX calls and advised that the payment was due. I advised her that Im the only one working and wont be able to make the payments since they took my overtime away. She said she was going to note it in her system. Which was good i didnt think they were going to make a big thing about it since everyone is going through this covid19. I also asked if they had any help ( Hold on payments ) they can give due to covd19. She replied no they only have it for people that are paying over XXXX a month. I said ok and let it be. XXXX comes around and she calls me around the XXXX around XXXX ( 10 days before due date ) that there is 2 payments ( XXXX and XXXX ) Due on that same day she called me. I advised her that i still havent gotten my hours back. She continued to say that the debt will collect interest and that my information will be sent to attorney if i dont send the payment. I advised her that I dont have the money at the moment that Im not going to leave my family with out food. To do what she needed to do to get her money. She said she was going to note it. We will be sending her what we can until I get my overtime back.
Product: Credit reporting or other personal consumer reports

We requested proof or verification of debt. Company unable to provide such. 

Per 609 Law, credit error must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

The overdraft on my account wasnt made by me. It was a XXXX purchase that wasnt mine. My phone was stolen by my nephew and sent to my brother. He did not know anything about it. I called Federal Navy and I told them and they said they cant do anything about it. The XXXX was for XXXX and XXXX.
Product: Credit card

Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vid rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Closed Account Names : XXXX XXXX XXXX, XXXX XXXX XXXX, 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

I filed and discharged BK chapter XXXX on XX/XX/10/18 case number XXXX including US Bank credit cards. However, US Bank never report these accounts in my credit report as discharged accounts. Can you help me to correct US Bank creidt card company to report these account below on my credit report.

1 ) US Bank Person loan {$10000.00} 2 ) US Bank Credit card {$5500.00} 3 ) US Bank credit card {$7600.00} 4 ) US Bank credit card {$5400.00} Thanks.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A XXXX  FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

These text copies are from Western Union Netspend ( XXXX ). 
1.Welcome to your new Western Union Netspend card ending in XXXX. Your card is now activated. 
2.This confirms the block has been removed from your Western Union Netspend card . You may use it immediately.

3.Your balance is $ XXXXWestern Union Netspend : {$410.00} available after {$260.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs 4.Western Union Netspend : {$780.00} available after {$780.00} Direct Deposit load from SSI TREAS XXXX on XX/XX/2020 XXXX Reply STOP to stop msgs The complaint is concerning not possessing this card ending XXXX. 
Please help me by blocking withdrawals and any other protection against fraud and scam. 
Thanks again for your advice through this website article. 
Truly yours in expression,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection account on my record. I am victim of identity theft and I sent Equifax a copy of police report. They requested additional information to verify my identity and it was sent. They have not removed the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX Balance : {$0.00}