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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The FCRA obligates EQUIFAX to report accurate accounting. The consumer has advised that ALL the inquiries reported were fraudulent. said the company had 4 days according to LAW to remove such items. The consumer is now requesting EQUIFAX to provide the documentation used to determine that the consumer indeed authorized the inquiry, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, and signed application with consumer wet ink signature. the consumer is NOT asking for an e-Oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number 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 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 XXXX XXXX XXXX XXXX XXXX XXXX I will be filing form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumer data yet refuses to provide consumers a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Product: Mortgage

After our bankruptcy was discharged money that was in a suspense account through US Bank was applied directly to principal instead of being applied to principal and interest. This has caused me to be 3 months behind on my mortgage per there accounting. We have contacted them on several occasions to no avail. We are receiving threatening collection calls and we can not seem to get a supervisor or manager on the phone. We have spent more than XXXX hours in a Branch Managers office with him recognizing there is an error and trying to assist us via phone to again no avail. They say they will look into it but no one seems to know what is going on and we continue to receive collection calls. We make a payment early on the XXXX of the month before it is due and XXXX on the due date. US Bank is now telling us that our loan is not a mortgage loan but a simple interest loan and they are incurring additional interest on the loan. The loan document say it is a mortgage loan and no one with US Bank can instruct us where in our loan documents that they can change it from a mortgage loan to a simple interest loan.
Product: Credit card

COSTCO XXXX & OPM SECURITY FAILURE. As a federal employee affected in the Cybersecurity Incident XXXX XXXX XXXX notice I was supposed to have a lock on credit. In XXXX XXXX I closed my COSTCO XXXX XXXX account. I asked at the XXXX XXXX store and was assured they would not issue another card. 
I am in receipt of a Citi COSTCO VISA card valid to XX/XX/XXXX, credit limit {$9300.00}, ending in XXXX. 
How was my credit report available to Citi VISA? 
Did XXXX violate my privacy and give my closed AMEXP credit information to Citi XXXX? 
How did the OPM cyber watch dog program fail? 
Did the lock ( XXXX XXXX ) on the credit firms ( XXXX, XXXX, XXXX ) all fail? 
How can Citi VISA just issue a credit of {$9300.00} to me without my request or permission, or any security on that credit? 

Which firm, COSTCO, XXXX XXXX, Citi VISA, is responsible for issuing a line of credit to XXXX XXXX without her knowing, is n't that ID theft? 
Who is using the XXXX XXXX account that I closed? Who accessed that account and how did they access that account?
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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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: Student loan

The loan was consolidated from XXXX XXXX in 1997. The interest rate is/was 3.120 %. Since 1997, I have continued to make payments on the loan and the loan has not paid off.
Product: Money transfer, virtual currency, or money service

Transferred {$2000.00} to a coinbase account and my email was hacked now I 'm locked out of my coinbase account
Product: Debt collection

This debt was added to my credit reports and I contacted them to resolve and they will not remove it. It was sold to a collection agency who will not stop trying to contact me after I asked them not to anymore. 
This account from XXXX was from a previous employer. I ported my number and have no association to this business account. I was never the owner of this account.
Product: Debt collection

XXXX XXXX had previously sent a debt amount they said I owed. However, I never owned a XXXX XXXX account. I have submitted to their 2 collection agencies who keep harassing me on trying to get me to pay an amount they believe I owe. 

I have attempted many times to get XXXX and their collection agencies to redirect the collection effort on who really owns the phone account. But, they are insistent I am the account owner - I told XXXX and both of their collection vendors this is not my debt, phone number, and or account. 

I have attached documents and a letter I would like to send to you for assistance in clearing this matter up. If you review all of my credit accounts I am in good standing in all of my credit cards, and loans and they have done nothing except to keep ruining my credit reputation which needs to stop.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted Experian on XX/XX/XXXX about charge offs on accounts that have been on my credit report since XX/XX/XXXX, I have never never made any payments on this loan never and they fail to show me proof of payments made and they fail to remove these accounts off my credit report, XXXX XXXX {$2700.00} US Dept of EDXXXX {$3900.00} Us Dept of EDXXXX {$2600.00} Us Dept of EDXXXX {$5200.00}
Product: Checking or savings account

I opened a business checking account with Chase back in XXXX. They told me the account isn't active and needed me to call them. I didn't call them and thought the account was not open, until I found out they charged me {$15.00} fee and resulted in overdraft. 

So I paid the fee to them. But later I found out they used this overdraft to decline my credit card application.
Product: Checking or savings account

Recently i was a victim of identity theft i which the bank anylst determined so i attempt to open a new checking account but their seems to be a issue
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. 

However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

I would like to request that you take immediate action to remove these accounts from my credit report, just as the other credit bureaus have done. If you do not comply with my request, I will have no choice but to take legal action against you. 

I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a fraudulent flood insurance policy taken out on behalf of my mortgage company ( Nation Star ) and rolled into my escrow account. On numerous occasions proof of new zone/mapping areas where sent to highlight and prove that flood insurance was not needed. I live on the XXXX floor of my building where FLOODING would never occur. 
My mortgage payment ballooned from {$1600.00} to {$2200.00} from one month to the next. 
As the policy was the most exuberant one, it was {$2400.00} for the policy - my XXXX only cost XXXX. 
I was late in paying my XX/XX/XXXX bill and had a foreclosure package delivered to me the XXXX week of XXXX. My credit score has gone down XXXX points for this horrific and erroneous mistake. The Florida Supreme Court has filed a class action law suit against them, as they defrauded XXXX customers out of their homes. Nation Star also owns the insurance company XXXX XXXX in which the fraudulent insurance policies where processed. In addition to the fraud, I was denied a refinance to assist me in my debt and change lending companies. 
Can you help me?
Product: Prepaid card

On XX/XX/2023 I filed an unauthorized charge dispute with cashapp for several transactions from the same or similar merchants, totaling {$1100.00}, On XX/XX/2023, I received notification that my dispute was denied. On XX/XX/2023 I was notified that my dispute was resolved in my favor for some of the disputed transactions. I am concerned about the denial of certain transactions from the same or similar merchants, despite the approval of other transactions. I request a reconsideration of the denied transactions and a credit to my account for the disputed amount. 

I would like to bring to your attention the following points that support my claim : 1. Inconsistent Treatment of Transactions : It is important to note that Cash App has already acknowledged and approved some of the transactions in my favor, which were made with the same or similar merchants. This demonstrates that Cash App recognizes the validity of my claim and the unauthorized nature of these charges. Therefore, it is inconsistent and unfair to deny other transactions from the same or similar merchants. 
2. Terms of Service : According to Cash App 's Terms of Service, users are protected against unauthorized transactions. I have fulfilled my responsibility by promptly reporting these unauthorized charges and providing all necessary information for the approved transactions. Therefore, I request that Cash App fulfills its obligation to investigate and resolve the remaining disputed transactions and provide a credit to my account for the disputed amount. 
3. Legal Protection : The Electronic Fund Transfer Act ( EFTA ) and Regulation E provide legal protection to consumers in cases of unauthorized transactions. These regulations require financial institutions, including Cash App, to promptly investigate and resolve unauthorized charges. By denying the disputed transactions without proper investigation, Cash App may be in violation of these regulations. 

I am requesting a prompt resolution and a credit to my account for the disputed amount. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/2022 at XXXX. I received an email from PNC Bank regarding an overdraft status. I heard the 'ping ' on my phone and looked at the email. It stated that I needed to check my balance and deposit funds into my account. 

That was a XXXX. 

At XXXX. I got up to go to the bank and deposit funds, when I saw that PNC had ALREADY removed an overdraft item fee - they didn't even give me a chance to get the money into the bank. 

I called PNC 'Customer Service ' and the rep advised me that, even though the email said I had time to get funds into my account, that's not actually the case. What??!!!!!!! 

How am I supposed to know that? I'm not a PNC employee! I rely on the information PNC sends me, and if it's incorrect, that's on them, not me. 

It's bad enough PNC forces me to change my password AT LEAST XXXX a month, but this is ridiculous! I wonder how many other customers they've stolen money from this way.
Product: Checking or savings account

USAA, In XX/XX/2022 I had deposit money orders in my checking account due to the fact I live TN and can not deposit cash into USAA Atm in the area and paid my bills for them to only hold my money orders from XXXX XXXX and my bills bounced causing fees that Ive keep accumulating. They said they cant wavie fees. Been a customer for XXXX and still take advantage of veterans.
Product: Credit card or prepaid card

I retained legal services by a provider, " attorney '', who provided me with legal interpretation of a Trust Document that was not correct. They didn't read the Trust completely to answer my question about the interpretation of the Trust document. 

I filed a complaint with the credit card issuer, Capital One. They have closed the dispute on my account without waiting for a second opinion, which is being obtained by the XXXX XXXX Michigan XXXX XXXX XXXX XXXX, XXXX. 

Due to the pandemic according to the agency, it will take six weeks for them to review the case. 

OnXX/XX/XXXX, case number XXXX was closed by Capital One saying they can not continue the dispute.
Product: Debt collection

On XX/XX/2021 I called Rash and Associates ( a XXXX collection agency ) to dispute an account that was a result of Identity Theft. This account is having a negative impact on my credit report and creating a very challenging situation for me to get certain loans. 
On XX/XX/2021, WITHOUT MY CONCENT Rash and Associates performed a Hard Inquiry that lowered my Credit Score. This is not acceptable and must be removed.
Product: Credit card or prepaid card

XX/XX/2022 Hello I received a deposit from the XXXX into my Amex bank account which Ive had over 11 years without any fraud or any violations ever. My deposit was sent to them and all of sudden they locked my account I called and they said they were going to verify my info and release funds They later said account was closed for good and without good reason. 
I sent proof of ownership of both the business and XXXX even the approval letter and deposit info shown on the account to no avail. My car was repossessed due to that being my primary bank and my funds were locked inside My bills were all ruined and Id never been late before And I still do not have my XXXX nor have they returned it back to XXXX to be reissued to me I simply need help I am exhausted and in complete shock and disgust with how this had been handled. With no regard for the stress that I absolutely did not deserve the funds were to expand and enhance my business and they abruptly took and closed my account and ruined my credit all in the same effort for no reason. My social security number .. name and address all match identically to the XXXX information when deposited.. There was not one reason to close my account nor hold my XXXX i have all documents and approval letter and deposit info sent from XXXX also and also the actual document of it being processed
Product: Mortgage

Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone. 
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice. 
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc. 

We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX. 

***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***