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

Hello, I have credit inquiries that I have asked to get removed from the credit bureaus and to no avail they have not been removed as yet. To my knowledge I did not authorize these credit inquiries to be on my report. 

The following are a list of those inquiries that I did not authorize : 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 Bank I also have a collection account from XXXX XXXX that was sent to XXXX XXXX XXXX, this was resolved with XXXX but is still showing on my report I have asked for this to be removed as well and to no avail it is still showing on all XXXX credit bureaus. 

Please help me to get these removed they are hindering me from repairing my credit.
Product: Mortgage

On XX/XX/XXXX my mortgage company paid out an incorrect amount towards my county for property taxes resulting in a negative balance in escrow. When I went to the county to correct the information they refunded {$680.00} to be sent back to my mortgage company and then returned to me. During this time my escrow was incorrectly reanalyzed and as such increased my payment from {$910.00} with escrow and principal to {$1100.00}. This was a significant increase that created immense financial strain. I requested that my escrow be reanalysised on XX/XX/XXXX. They did not complete the reanalysis at any point from XX/XX/XXXX to current day. The refund from XXXX XXXX XXXX was processed and withdrawn from their accounts on XX/XX/XXXX and confirmed by forensic XXXX. PHH refused to tell me that they had received the refund even after transferring my loan to XXXX Mortgage starting XX/XX/XXXX. I did not receive adequate notice of my loan transferring I received mailed notice only 8 days prior to the change. I know that they transfered my loan to avoid fixing all of their errors as they transferred my loan with the incorrect escrow analysis and did not let my new mortgage company know of the pending request. On XX/XX/XXXX PHH is claiming that is when they received the money from XXXX XXXX but they did not notify myself or send the funds to my new mortgage company instead I had to call them to find out why they were hiding my funds. I have contacted them every single day for the last 21 days to get this resolved and have not gotten a straight answer as to were the funds are. XXXX XXXX- the XXXX XXXX XXXX XXXX  has not responded despite being in charge of my account and escrow information. The company refuses to tell me where the {$680.00} is and have mad it so I am unable to get the money back. I am still fighting to get the correct escrow to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, I purchased a 2023 XXXX XXXX from XXXX XXXX. I applied with the credit manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call XXXX XXXX about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX XXXX, which was sent over by them to XXXX XXXX had another social security number. 
Yesterday I spoke to a total of 3 agents from XXXX XXXX. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from https : //ww.ssa.gov/forms/ssa-89.pdf. I printed the form, filled it out, and then went straight to the dealership XXXX XXXX. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! XXXX XXXX someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.
Product: Credit reporting or other personal consumer reports

I sent a letter of dispute to XXXX and called the phone number ( XXXX ) XXXX as given to me by one of their employees at the phone number I called which was ( XXXX ) XXXX. XXXX has not responded to my request. 

The following is a summary of what I sent to XXXX and have not received a response. I have never been late on any of my accounts. 



I am writing to dispute an inaccurate late payment on my credit report for the XXXX account, account number XXXX. The reported late payment is incorrect and needs to be removed. 

Under Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act, I request that this inaccurate late payment be investigated and corrected. Below are the relevant details : Creditor : XXXX  Account Number : XXXX Date of alleged late payment : XXXXXXXX XXXX  Please investigate this matter, remove the inaccurate information, and send me written confirmation once the issue has been resolved. I also request an updated copy of my credit report reflecting this change. 

in addition, I did not at anytime give the following companies permission to look at my credit report nor did I apply for credit with them and I want the unauthorized inquiries removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was sold effective XX/XX/2018 by XXXX XXXX XXXX, XXXX to Shellpoint mortgage servicing. I had made an agreement with XXXX to pay {$300.00} per month for 12 months ending XX/XX/2018. I made those payments on time and as agreed. Upon taking over my mortgage, Shellpoint began sending correspondences and calling me demanding higher amounts. Their representatives continually claimed I was in foreclosure and hadn't made a payment in 15 months. The payment amounts have varied radically from {$490.00} to {$510.00} to {$690.00}, {$710.00}, and {$810.00} in a statement dated XX/XX/2018. I have lived in my home for 20 years and these threats and correspondences have me in fear they will take my home. I am retired, or so I thought, on social security of {$1300.00} per month.
Product: Credit card or prepaid card

In XXXX of 2016, we opened a Chase Sapphire Reserve credit card with an add-on spouse card. The reason we opened our account was the perks and benefits promised for travel. XXXX of the most coveted perks was accessibility to airport lounges through the free XXXX XXXX offered with Chase. Initially, we had no problems and really enjoyed this benefit. The annual fee was {$550.00} plus and additional {$75.00} for the spouse card. It has since gone up to {$650.00} plus the {$75.00} annually. We have had no issue with paying this high fee since we felt the perk of being able to relax in the XXXX XXXX lounges before our flights were exceptional. A few years ago, we started noticing the lounges that contract with XXXX XXXX began limiting PP members. Many times we were unable to get in due to " capacity restrictions on PP members. '' Today I went in to check PP lounges available at XXXX for an upcoming flight next week and was shocked to see there are NO Priority Pass lounges at all in XXXX XXXX. I checked XXXX, NY and a few others and there were none. However, the XXXX XXXX website has a long list of XXXX XXXX XXXX. When lounges weren't available, a backup food allowance perk at certain restaurants was given. A simple lounge search on the XXXX XXXX website shows airports with lounges but the app does not show the same list. Total bait and switch. 

I have contacted Chase several times trying to find out why this has happened without resolution. Chase is still advertising this perk with their credit card however the perk is mostly unavailable. This is a real issue for me and my spouse. We feel duped and lied to, the benefits promised have been GREATLY reduced. We feel too many credit cards began offering XXXX XXXX that the lounges put in restrictions but Chase continues to advertise this perk. 

Is there something we can do?
Product: Payday loan, title loan, or personal loan

They recently updated their terms to change the credit limit of their users and make their current balance the limit. As I had no balance with a {$1000.00} credit limit, my limit is now {$0.00} and useless.
Product: Checking or savings account

On or about XX/XX/XXXX, Chase closed and/or suspended all of our accounts. We were not notified of this until XX/XX/XXXX. By that time, several checks had bounced. Automatic withdrawals ( XXXX health insurance policies ) were not made. Monthly Social Security deposits were denied and will not be reinstated until XX/XX/XXXX ( according to SSA and AFTER we opened a new account at another bank ). Without the deposit of Social Security benefits, we had to pay XXXX out of pocket. Because of the NSF check to our water department, we can no longer pay them by check or automatic withdrawal- they will take cash only for ONE full year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! This is my last and final attempt to file a complaint in the XXXX BUREAUS. I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAU the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following accounts are listed below : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

Customer Service Failed to display phone number calling from and called multiple times over multiple days but never left a voice message when asked regarding who is calling leaving consumer not knowing who called. 
Agency tied to collect payment from a bank account which it knew was already closed and then penalized consumer.
Product: Debt collection

This company has threatened to ruin my credit e en though that is against the law to make threats. They also have been told that Ive never owned an animal to have a anima hospital bill in my name. Im allergic to cats and dogs so its impossible for this debt to be mine! I want this deleted from my credit report immediately.
Product: Credit card

On XX/XX/2023, I signed up for a timeshare account with XXXX XXXX XXXX  ( XXXX ). At the same time, XXXX opened a Hilton American Express credit card account in my name to make a payment for the timeshare. ( Reference Credit card ending in XXXX in the name of XXXX XXXX XXXX for {$4000.00}. Am Ex reference number XXXX ) Soon thereafter and after consulting with an attorney, I was able to cancel the timeshare. The legal reasons for the termination were ( among others ), it was an unconscionable agreement, it lacked consideration, there was misrepresentation and a lack of attorney representation. The timeshare was never used. 

I transferred deeds back to XXXX and waived all my rights to the timeshare. 

Thereafter, effective XX/XX/2023, I received confirmation from XXXX that the timeshare contract had been cancelled and the associated vacation ownership interest had been transferred back to XXXX. Please see attached letter. 

The credit card was not used for any other purchase. We requested the credit card charge be taken off and the credit card could not be cancelled. On XX/XX/2023, we received a letter from American Express saying they could not remove the charge as the merchant had not cancelled the agreement. They urged us to resolve the matter directly with XXXX. 

XXXX has now cancelled the timeshare agreement. We have resolved the matter with the merchant per the direction of American Express. Therefore, there is no valid charge that should remain on the credit card. We have written American Express numerous times with no reply. 

Please have the charge removed from the credit card immediately so that my good credit can be restored. Thank you.
Product: Credit reporting or other personal consumer reports

I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA 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

This is an attachment to the complaint sent on XX/XX/2023. 
CFPB Case number : XXXX ( XXXX ) XXXX ( XXXX ) Experian ( XXXX ) There is another fraudulent account that has been added to the theft report. 

Account : XXXX XXXX XXXX  This account was open without my consent and is a result of fraudulent. Remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE UNTHORIZED INQUIRIES LISTED BELOW XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  : # XXXX, XXXX XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX, 2016. I made the payment on XXXX/XXXX/2016. Then she goes to states that the code for the settlement was not entered into the system as of yet. We are 3 weeks into me paying this company and you mean to tell me that my account is not updated. I want this problem fixed IMMEDIATELY and removed off of my credit with all XXXX bureaus.
Product: Payday loan, title loan, or personal loan

I should receive a return check of XXXX usd from Barclays Bank since XX/XX/XXXX XXXX, as I paid off the full loan amount with a check of XXXX usd on XXXX XX/XX/XXXX. the check was higher than the final amount of pay off due to the bank deducted automatic from my bank XXXX on XXXX. they never sent this check back to me of XXXX usd and every week on my calls ( more than 15 calls ) I have been told that they don't know what is the problem. they said we sent the check to your home address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ) they have been lying to me now for 4 months with the same excuses that their back office is who's handle the issue and they don't know what's happened. the end of this is that for my understanding they don't want to return my money. I need your help to solve this issue my loan acc is under my name XXXX XXXX my date of birth is XX/XX/XXXX and the last 4 of SSI is XXXX. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. 
Account # XXXX Account opened XX/XX/2016 amount {$410.00}. 

Contact Information : Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Collection management, original creditor Advanced What Happened? 

These are medical debts that have been disputed with personal phone calls and I believe the original bills are re-generating themselves. 
I would like these inaccuracies to be investigated and removed from my credit file,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXXXXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against TransUnion credit bureau. The complaint was not handled. The company is legally and federally liable for accuracy of the reporting information, including score. It is by law. They can not arbitrarily choose a score that is low with no specific reason as to why it is low. That is a violation of the FCRA. Please open the complaint again and pursue it.
Product: Credit reporting 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

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

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Mortgage

Our mortgage company Seterus has failed to provide us with monthly statements for several years. They have varying reasons as why this is the case, all of which are not their fault. In XXXX 2015, I filed a complaint with CFPB ( Case # XXXX ) due to the severity of our financial situation at that time. We never received a " regular '' statement by mail, but our online access was restored. I still have online access, but the most recent statement is XXXX 2015. I am now missing 6 months of statements. Surely this ca n't be legal.
Product: Checking or savings account

My Credit KarmXXXX account was closed due to fraudulent activity and have since been banned from using their credit services.