23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a Santander bank account which was opened around the  XXXX  of  XXXX ,  2017. This ac count had a bonus offer terms of {$220.00} attached to it for having a direct deposit of {$500.00} or more within 90 days. The bonus requirements were met properly according to the terms I will attach to this notice. The bank erroneously closed my account before posting the bonus and claimed I had never sent the signature card for the account back to them. However, the signature card was sent to the bank using the prepaid envelope they enclosed with the account welcoming package. The bank made no attempts to contact me via any method in order to resolve this issue. It seems apparent that the bank decided to close this account to avoid paying the bonus offer out because their terms and conditions were recently updated to list several states, which does not include the state I live in. However, those terms were not included in the original account opening that I performed.
Product: Debt collection

I have been repeatedly harassed by Western Merchantile Agency in XXXX XXXX Oregon for a debt that is not mine. They have contacted me multiple times via mail, which I have called each time and informed them they have the wrong person. They call me insistently and every time I inform them they have the wrong person. Finally, after months of harassment, I asked for them to send me documentation of this debt showing why this was mine. The information they sent me showed a different last name, different middle initial, different address, birthday, and everything. Only thing the same was the phone number, which is fairly new to me in the last couple years, which I let them know and they still refuse to stop calling and contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received 2 emails. The first was asking me to activate a credit card account and the second was that my updated XXXX  score was available. I had not asked for a credit card, so I checked on my XXXX  score first. 
My XXXX  score had dropped and when I looked to see why, it was because a credit report was pulled. When I looked to see who pulled the credit report, it was from Bank of America. That was who sent me the message about the credit card. 
When I contacted Bank of America, they said that they granted the credit card on line to someone who had the correct information for me. At that point I asked them why I didn't get a text or email to confirm it was me who was applying and their answer was that was not part of the process. Considering that if I go into the bank or call them on a banking matter, I get a text message to my phone that I have to respond to so that I can proceed, it seems to be a big security hole if they allow someone to get a credit card in my name without that text message verification. 
The BOA " fix '' was for me personally to contact all 3 credit reporting services to put a lock on my credit reports so that no one can pull a credit report. They didn't close the credit card account, claiming that the phone call from me was cut off. Since no one called me back in that case, I had to call them and spend more time on the phone to make it happen. 
Identity theft is unfortunately getting more common. BOA should not be allow to continue to have this security hole. I shouldn't have to be the one to jump through hoops to correct the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Chase Credit XXXX  notified me my credit score dropped almost XXXX points. After a lot of investing, it turns out Chase sold my AARP credit card to XXXXXXXX XXXX and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from XXXX regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. XXXX balances every month for 14 years, except my mortgage. I spoke with Chase and they said their records are purged. I spoke to XXXX XXXX XXXX  and they said they won't help.
Product: Mortgage

Back in XX/XX/XXXX, I filed a chapter XXXX bankruptcy. For XXXX of XXXX, I owed Fay Servicing ( Mortgage company ). In XXXX I started making payments to the courts for the bankruptcy which included arrearage for the past three months plus the current months. My mortgage was {$1600.00} a month plus an extra {$300.00} of the {$4900.00} that was owed. When the bankruptcy went to verify what my arrearage was Fay Servicing came back with {$10000.00} for arrearage. I requested from the bankruptcy to get approval to speak to my mortgage company which was approved in XXXX of XXXX about the {$10000.00}. No one could tell me where the {$10000.00} came from and the mortgage company told me to talk to bankruptcy and vice versa. No one could give me a straight answer as to why or how I owed so much. This went on for months, In XX/XX/XXXX I took my current mortgage payment out of the chapter XXXX and started making payments on my own of {$1600.00}. Got statements in the mail that I still owe $ XXXX I called Fay Servicing and started talking to my account manager XXXX XXXX XXXX She requested a payment history which we never received, which went on for 6-7 months. She didn't understand how I owed the {$10000.00} as well. Recently she requested a payment history that we never received until XX/XX/XXXX, she sent me someone else 's personal documents. I asked her to explain the information to me and she put me on hold to get her manager and hung up and never called back. I called ack and she didn't call back after that. I've left several message and never got call back. On XX/XX/XXXX got an email from XXXX XXXX which was a payment history statement form XX/XX/XXXX until XX/XX/XXXX. I stll don't understand the payment breakdown and I've Ms XXXX back and no answer from her or Ms XXXX at all from XX/XX/XXXX and XXXX. I want them to explain how I owe {$10000.00}. I feel as if something is going on with my mortgage that I'm not aware of sneakily. Thank you
Product: Vehicle loan or lease

I noticed that an account from consumer portfolio service is listed on my account as a charge off as profit and loss so I contacted the company and requested a 1099C since they are listing it as a profit and loss that means I need to claim it on my taxes I sent them a letter they never responded to the letter, but I also had emailed them when they emailed me trying to collect on the debt that they have listed as a profit and loss requested them to provide me with a 1099 at which time they told me that they would only provide me with a 1099C if I had paid the debt in full I will then receive one. I dont know if they are aware that them say that this debt is a profit and loss and buy them not provide me with the 1099C that they are committing tax fraud. And this account should not be listed on my credit report.
Product: Mortgage

I received a letter on XX/XX/XXXX from Thrive Mortgage dated XX/XX/XXXX requesting that I contact my homeowner 's insurance provider ( XXXX XXXX  ) and request a refund for the principal paid for the current year 's coverage. This refund was requested from Thrive because they informed me that they had made a {$940.00} payment to XXXX insurance for coverage on my property. This payment to XXXX was made in error. I have never had any association with XXXX insurance and never requested this change to my homeowner 's insurance policy. On XX/XX/XXXX, I called Thrive Mortgage to explain the situation to a representative in their insurance department. The representative understood the situation, changed my account 's insurance policy back to the ( correct ) original policy, but informed me the payment will remain on my escrow account until a refund from XXXX was received. She assured me this would be taken care of within 10-15 days. On XX/XX/XXXX, my escrow analysis was uploaded by Thrive Mortgage. The {$940.00} payment made on XX/XX/XXXX to XXXX was shown on this escrow analysis. This erroneous payment will cause a ~10 % increase in our mortgage payment starting XX/XX/XXXX. On XX/XX/XXXX, I called Thrive Mortgage again because the 10-15 days had passed and the issue had not been taken care of. I again told another representative from the insurance department the situation. She again initiated the process of requesting a refund from XXXX insurance, assuring me that the refund should be processed within 14 business days and that the payment could not be removed from my escrow analysis until the refund is processed. On XX/XX/XXXX, I sent an email to the Customer Care department explaining the situation as well as detailing the timeline of the previous two phone calls. I did not receive a response to this email, so on XX/XX/XXXX, I called Thrive Mortgage to verify the receiving of this email. The representative was unable to find the email, so instead, I verbally explained the situation to her. She transferred me to a supervisor who assured me the complaint would be " expedited '' and taken care of by XX/XX/XXXX. 

As you can see, I have made multiple efforts over the last ~45 days to explain to Thrive Mortgage that I have never had any association with XXXX insurance and the payment made on XX/XX/XXXX from my escrow account was made in error. I understand Thrive Mortgage 's pursuit of a refund for an erroneous payment, but I do not understand why the threat of a higher escrow payment has remained on my account during this process since I have no responsibility for the error. Thrive Mortgage 's unwillingness to remove this burden from my account has caused my partner and I considerable harm due the XXXX caused by the upcoming higher mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for Trans Union was XXXX, and XXXX was XXXX. 

3. I was shocked and dismayed to find that Trans Union penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and XXXX 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from Trans Union, and have the 16 points added to my original score of XXXX ( XXXX ). Although XXXX was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness.

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX  - XXXX XXXX XXXX - XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I ask that Experian block and remove the accounts listed in this CFPB complaint from my credit file within 4 business days. I included a copy of my ID, Utility Bill and FTC Report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block inc. ) due to inadequate costumer service and practices, which violates the consumer financial protection act. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act and regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting 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 I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 reporting, credit repair services, or other personal consumer reports

I have sent letters in XXXX-XXXX  asking all credit bureaus to update my name and address and they have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report. XX/XX/2020. I've filed several complaints and fraud alerts with equifax and an Identity theft report with the FTC about this Fraudulent activity that has occurred. I also recently went to open a business account with XXXX XXXX  and a profile was started already with the number XXXX attached to the profile. This is not my number and this was not my account that was in there system. They also mentioned some charge off accounts pulled from XXXX  XXXX  that I have never heard of. Ask I for proof of authentication and they have yet to provide any. 

My name Is XXXX XXXX. 
XXXX XXXX  XXXX XXXX. 

These are addresses that are associated with my credit profile but I never lived there. Nor Has me or any of my relatives. Fraudulent accounts. Attached. 

XXXX XXXX  XXXX  XXXX, FL XXXX Address ID # XXXX ( XXXX  XXXX. Account XXXX XXXX ) Credit card. Not My Account. 
Please Remove. 

XXXX XXXX  XXXX  XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX, OH XXXX Address ID # XXXX Single family The adresses as mentioned above are not mine. please remove from my profile as well as any other misinformation attched to these adresses. 

Police reports have been filed as well locally in XXXX ohio. about these matters there of. 

Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}.
Product: Debt collection

I received a phone call XX/XX/16, XXXXXXXX XXXX from someone stating to be a XXXX XXXX XXXX courier service ( XXXX ) XXXX. The gentleman stated that I needed to designate a time to be served and that this was the final attempt before the courts would take action. I arranged for delivery before XXXX that afternoon. He game me the number for the debt collector, XXXX XXXX, ( XXXX ) XXXX, whom I called XX/XX/16, XXXXXXXX XXXX. He never followed up. 

XXXX XXXX stated that I had a Chase Bank debt in excess of {$8000.00} that the court would pursue in full once I was served. He further stated that the settlement amount of {$4000.00} could still be negotiated if he contacted the attorneys handling the Chase bank debt. He put me on hold for several minutes and told me that the attorney had agreed to the payoff amount of {$4000.00} over the phone, however, once I was served I would have to pay in full. 

When I stated that I had filed a complaint with the CFPB years before he claimed that there have been legal changes which now allowed debt collectors up to 10-years to pursue debts. He assured me that XXXX XXXX XXXX would aggressively pursue this debt. I ended the call. 

I have had no further contact with anyone regarding this complaint. 

Thank-you for your help in pursuing this matter.
Product: Debt collection

On XX/XX/XXXX, your company responded to my cease and desist through the CFPB. The company stated account number ending in # XXXX was placed with your Internal Legal Department. In this response I was given two options on how I can contact Internal Legal shown in Exhibit A. On XX/XX/XXXX, I sent Midland Credit Management - Internal Legal an Affidavit of Truth regarding this alleged debt with XXXX XXXX tracking number # XXXX. On XX/XX/XXXX, the communication I sent to the Internal Legal Department was returned to sender due to forward expired as shown in the attachment. 

Since I am unable to reach your company via mail, I have attached my Affidavit of Truth to this CFPB complaint along with Exhibits A, B, and C showing the numerous FDCPA and FCRA violations Midland Credit Management has violated. I, XXXX XXXX, consumer and affiant has first hand knowledge of the facts stated in the Affidavit of Truth. 

As stated in my Affidavit, I demand compensation for each one of the violations that I have listed and I also demand deletion of this derogatory account from all credit reporting agencies since this company violates consumers and does not follow the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Attached is an invoice for the company 's violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( Gon na Add to the next update )
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. These inquiries were not authorized Please provide me validity of the inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dynamic Recovery Solutions LLC placed an inaccurate collection from XXXX XXXX on my XXXX credit report. I do not have an account with XXXX XXXX. I never opened an account with XXXX XXXX on XX/XX/2021. Neither company can give me an explanation on the collection. This inaccurate information needs to be removed immediately. This is not my collection.