23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a victim of identity theft, and my personal information was stolen and used by an unknown third party to fraudulently open an account in my name. I recently discovered a fraudulent account on my credit report with the following details : Creditor : XXXX XXXX XXXX ( AMEX ) Account Number ( Last Four Digits ) : XXXX Open Date : XX/XX/year> Reported Balance : {$0.00} I never applied for, opened, used, or authorized this account. I have never registered, made payments, logged into, or signed any agreements related to this account. This fraudulent account is negatively affecting my credit report and financial standing. 

I have already taken action by filing an identity theft report with the FTC and gathering supporting documentation, including previous credit reports that prove I never had this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a XXXX XXXX. am stating on the record and let the record reflected am the consumer, living breathing man, XXXX, beneficiary and XXXX of name and estate. i have reason to believe and do so great faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 & XX/XX/22 I had disputed with each of the three credit bureaus about the two inaccurate accounts on my credit report. XXXX. XXXX XXXX Number : XXXX XXXX XXXX XXXXAccount Number XXXX XXXX XXXX As a result they sent me back a letter stating they were unable to locate the file, yet they are still reporting the inaccurate/negative account information. I have asked for them to provide me with signatures from the original creditors to prove I have ownership of these two accounts that they are reporting on my credit reports and they have failed to do so. I have also asked them what their method of verification was if they even conducted an investigation and they have failed to provide me with such information. I believe the letters are stall tactics so they can keep reporting negative information about me. I have already been denied housing because of these negative remarks on my credit report. Its not only injurious to my score but its preventing me from doing things such as getting a place to live. As a result id like these two accounts deleted because they have yet to do their job in providing me the information I'm privy to based of the Fair Credit reporting Act. I'm asking your company to make them abide bay the govern laws set in place to protect me the consumer from and business practices such as this.
Product: Debt collection

Since approximately XX/XX/year> I am repeatedly called almost daily by Receivables Management Partners automated system about a debt that is not owed. I have spoken to their company representatives since that day, and also filled in the information in their online portal to dispute the debt around XX/XX/XXXX. Most recently today I spoke with someone named XXXX who said they would not contact the creditor to verify the accuracy of this account. And the only thing they can do is stop the phone system from calling me. Today I have informed them in their website access that any further communication from them, aside from verifying this account is deleted, will be considered further harassment and I will take legal action
Product: Debt collection

Dear, XXXX XXXX This letter is being sent to you in response to : Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, Autograph By : XXXX XXXX
Product: Mortgage

Hello, I am writing to report an issue with my mortgage lender, Freedom Mortgage ( FM ). They wrongfully withdrew {$15000.00} from our escrow account in XX/XX/XXXX to pay a XXXX tax bill for a home that we have no association with. 
We found out in XX/XX/XXXX when FM sent an escrow account disclosure statement notifying us that our escrow account is short {$9400.00}, and beginning XX/XX/XXXX, they are going to increase our monthly payment by {$2100.00} to recover the shortage. After investigating our escrow account activity, I found that FM correctly paid our {$12000.00} tax bill in XX/XX/XXXX and then incorrectly paid an additional {$15000.00} tax bill that is not ours. 
I immediately called FM to resolve the issue and talked to a representative who said FM had XXXX parcel numbers listed on our account. I confirmed XXXX of the parcel numbers is ours, and the other is not. The representative said they would make a note on our account to delete the incorrect parcel number and transfer me to the tax department. The representative also recommended I call XXXX XXXX XXXX XXXX ( XXXX ) to confirm it is correct on their end. The representative from the XXXX department said they would investigate the incorrect parcel number, and FM should provide an update within XXXX business days. Afterward, I called XXXX and confirmed they only have XXXX parcel number associated with our address. 
Equally frustrating is FMs lack of communication. After 10 business days without an update, I called back and had to re-explain the issue to different representatives. They said there was a note on my account that there would be an update by XX/XX/XXXX. Without an update by XX/XX/XXXX, I called again and talked to a different representative, who said she would contact me directly by XX/XX/XXXX. Still without an update by XX/XX/XXXX, I called yet again and talked to different representatives who said there was a note that FM would refund our escrow account within 90 days - after they received the money back from XXXX XXXX. I asked if I would be notified when the refund hit our escrow account, and they said they did not know. 
Additionally, I asked them to drop the additional {$2100.00} from our monthly payment while we wait for the refund and was told no multiple times before a representative was able to escalate my request. She said they would call me by the end of the day to let me know if it was granted. I did not receive a phone call, but on XX/XX/XXXX, the amount due XX/XX/XXXX was back to normal. 
I believe FM should have to take responsibility for their mistake, and it is unacceptable that I had to follow up several times to avoid additional, wrongful payments. In order to resolve this issue, I believe that FM should have to : 1. Immediately refund our account {$15000.00} and notify us upon receipt.

2. Rerun an escrow analysis and resend an escrow account disclosure statement. 
3. Provide a written explanation of the findings of their investigation, specifically what caused the mistake and proof that it has been resolved and will not reoccur in XXXX. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the company reporting a collection on my accounts with XXXX and XXXX. I sent the letter to the company certified the notice was signed but I received no response from the company. I then submitted the results to XXXX and XXXX and they didn't rectify the dispute at all. I submitted the evidence stating the account isn't mine meaning a fraudulent account and nothing. The company reporting on my credit report is sunrise.
Product: Credit reporting or other personal consumer reports

I have attempted to file a dispute via XXXX XXXX  website and mobile website, and not only does the website not load but XXXX XXXX website said it was not able to process my request online, not giving me the reason why it was not able to process my request online. I was instructed that the only options available to me were to file a dispute by calling XXXX or submitting one by mail. XXXX is operating its website, with its inability to process my dispute request online and that it is consistently does not function to allow quick, easy and convenient access to my credit file, is operating in an abusive and deceptive manner. XXXX is knowingly, intentionally and deliberately not providing services and functionality to me to allow me to dispute inaccurate information on my credit report. Each time I call to speak to a live agent to assist me, there is, at minimum, five minutes of automated system prompts and up-selling of XXXX products, including its fee-based credit monitoring service and its text message-based options to communicate with XXXX. XXXX also employs online foreign, offshore and customer service representatives not based in the United States. As a result of XXXX XXXX customer service representatives, consumers are forced to speak to agents whose English is often incomprehensible, making it virtually impossible to conduct business related to my XXXX consumer credit file. When speaking to representatives, XXXX XXXX offshore, foreign customer service representatives are rude, abusive and will often disconnect the call at their whim without warning, because they are frustrated. When asking to speak to a United States-based representative, I have been instructed the representative will complete a " call back '' form and that a US-based representative will return my call within 48 hours. Once more, XXXX is using abusive and unfair practices to deny me access to my consumer credit report -- and to correct errors on it that have affected my credit score and credit worthiness. My credit dispute, that I am demanding XXXX  investigate, is from Genesis Card Services/XXXX XXXX , with account # ending in XXXX or XXXX, in the amount of {$7100.00}. This account now has a zero-dollar balance and is paid in full. I have attached copies of my payment receipts that show I now paid this account in full. XXXX must update my credit report to reflect this, and XXXX must also update my XXXX XXXX credit score to reflect the decrease in credit utilization.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE.

( a ) [ Judicial orders concerning noncompliance. ] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions.
Product: Mortgage

I am on XXXX XXXX orders covered by The California Military Families Financial Relief Act. I have mortgage with United Wholesale Mortgage. They are not complying with The California Military Families Financial Relief Act. I requested mortgage deferral and sent in my military orders in XX/XX/2022. It was approved. All communication is being done verbally as far as where the mortgage status is at. I can never get anything in writing. It has been several months since I have requested my mortage to be brought current and term extended, but I can not get that accomplished. The lender is asking me to pay {$23000.00} and keeps sending me to collections. They are ignoring the The California XXXX XXXX XXXX XXXX XXXX and keep me running in circles with long phone conversations about same thing as if noone is taking notes on anything. I'm at the point that I can not make payments anymore until I pay the past XXXX mortgage payments. It is unacceptable and is putting huge strain on me. I have made XXXX mortgage payment past 2 months and they have seemed to get frozen in the system and some applied to escrow. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> T o ; experian subject ; Request for removal of unverifiable account Dear credit reporting Department , I am writing to formally request the removal of an account from my credit report as reported by Experian. this request is based on the recent deletion of an account by XXXX, one of the four major reporting agencies. I recently disputed a charge -off for {$850.00} from Discover Bank . 
{$350.00} XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX, Listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C 1681 ), All consumer reporting agencies must ensure that information in Consumer Reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after it's verification process, I request that you do the same and remove the unverifiable account from my credit report. 
Supporting consumer Laws : FCRA section 611 ( 15 U.S.C 1681i ) Requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA section 623 ( 15 U.S.C 1681s-2 ), Information suppliers must report all complete and accurate information. with XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of the receipt of this request. if the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) And seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), Including section 616 ( 15 U.S.C 1681n ), Which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) For negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit reports integrity. please notify me in writing once this deletion has been processed. thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX credit card has been paid off, please have XXXX XXXXXXXX update this information on my report the balance is laid in full, it needs to reflect a positive status, im filing this complaint to have XXXX XXXXXXXX update my report and change from negative to positive, the balance is zero balance nothing is owed anymore ok this card
Product: Credit card or prepaid card

On XX/XX/XXXX my bank XXXX XXXX XXXX sent a payment to comenity bank for my bjs credit card. The payment was for {$4200.00}. On XX/XX/XXXX it was cashed by comenity and taken out of my checking account. On XX/XX/XXXX, I got an email from bjs showing my bjs bill was {$4500.00}! I called up comenity and they say they never received payment but it was taken out of my account! I went to my bank XXXX XXXX XXXX and got a copy of my check front and back showing it was cashed by comenity. I called again comenity and was passed around until I was told to make a dispute and send the copy of the check which I did. I call everyday and was told they will not credit my account until the dispute is resolved! They say it could take up to 60 day! Can they do this? I feel this is ILLEGAL! THEY CASHED THE CHECK. THEY GOT THEIR MONEY! Can you help me please.
Product: Debt collection

the first complaint is XXXX This company listed a collection on my credit report without notifying me of the debt. as of XX/XX/XXXX the account is still on my report and I was not given time to dispute the item. I have twice reached out to the company and have yet to get an email back from the manager about the account. they listed in their response that they validated the debt in XXXX of XXXX well at that point when it was done the account was already on my credit report the reason the validated to debt was because when they placed it on my report in XXXX of XXXX the first ( 2 ) letters went to the wrong address so therefore the account went on my credit report because I did not dispute it. I did not know of the account at that time all of their calls are recorded I ask for them to pull the call and they can hear the agent tell me that the letters went to the wrong address and that she would send me a new one so that I could look and see what it was and take care of it but they refused to remove the account that was placed on my file in error
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates on an account with a {$0.00} balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit card

Synchrony Bank took over this account from XXXX XXXX XXXX XXXX ( Ally ) and has been mismanaging my account ever since. I have made 100s of phone calls and sent emails to the corporate headquarters. Company claimed they did not receive a payment but in fact did based on evidence from the bank. A second payment ( contract ) was agreed to provided they properly credited a payment to the next month when they finally credited the first payment. A statement for XXXX was also not received. According to USPS informed delivery the bank did not mail the statement as of yet. As of today, this bank has to properly credit two payments and mail me XX/XX/year> statement
Product: Credit card

Goldman Sachs closed my credit card again and refuses to provide an explanation. They claim to have sent me a letter detailing the reasons, but I received no such letter. 

This is the third time doing so. I have a XXXX credit score. 

Since I am a woman I believe this is a violation of my rights under the ECOA.
Product: Money transfer, virtual currency, or money service

I read last month the Federal Reserve suspended Regulation D ( only allowed 6 transfers per month from savings account via online or telephone ) indefinitely. However it stated each individual bank could decide if it wanted to keep or discontinue Regulation D. I called my bank ( 5th 3rd Bank ) to verify what their position was on this matter on XX/XX/XXXX at their branch at XXXX XXXX XXXX XXXX Oh at XXXX and a male bank employee there told me 5th 3rd Bank had suspended Regulation D and I was free to make as many transfers from my savings account using any means that I wanted toI called 2 more 5th 3rd telephone numbers to verify this info/-I call their call center at XXXX and spoke to a XXXX who told me the same info as the XXXX XXXX XXXX then called the 5th 3rd branch on XXXX XXXX XXXX  Oh XXXX XXXX -an employee there named XXXX told me that Reg D was still in effect at 5th 3rd Bank and the 6 monthly transfer limit was still in effect/I really need to know 5th 3rds exact position on this matter because I dont want to violate some regulation and be penalized with losing my current account