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

Dispute of Inaccurate Credit Information and Request for Immediate Rectification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX P | ( XXXX ) XXXX XXXX | XXXX Addressed To : XXXX, Experian, and XXXX XXXX XXXX XXXX I am writing to express my deep concern and frustration regarding the failure of your organization to update my credit files for an unprecedented XXXX months. This inaction has caused me significant financial losses and challenges, particularly when attempting to purchase a house with XXXXXXXX XXXX Due to the outdated credit information, I have been unable to accurately access my credit reports from all three bureaus, leading to numerous difficulties in managing my finances. I have been in regular contact with each of your organizations, XXXX, Experian, and XXXX Credit Reporting Agencies only to be met with uncooperative offshore agents who hung up on me and redirected me to automated systems. I am extremely dissatisfied with the lack of progress and resolution. I demand that your organization immediately rectify this situation by updating my credit files within the next XXXX  days. Failure to do so will necessitate legal action, which I am prepared to pursue. I expect a prompt response and resolution to this dispute. I have attached a copy of my identification and proof of address for your reference. Please confirm receipt of this letter and provide a detailed plan of action to rectify this situation. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

My student loan servicer is FedLoan ( PHEAA ). I applied for a refund of my student loan payments made during the payment pause. I requested a refund on XX/XX/XXXX. This refund request was for my last payment of {$21000.00} made on XX/XX/XXXX. I have not heard a word back from FedLoan regarding this refund. 

I have sent follow up emails to them and have not gotten a response. I know there are a lot of these refund requests but there seems to be no order or organization to this. 

I know people who requested a refund of multiple payments, and they requested it weeks after I requested it. However, they have had their loan balance reinstated as well as refunds of payments sent already received. 

Meanwhile I'm only requesting refund of ONE payment of {$21000.00} made on XX/XX/XXXX. The refund scenario can't get any simpler than a single payment refund. 

I understand that many people requested refunds before me, but many more than that have requested refunds FAR after me and for way more payments and have a received theirs. 

I can't even get an accurate date of when the refund request was sent to the Treasury or if it was sent at all. I can't get a response to my email inquiry. I can't get an accurate date ( s ) for processing or anything. I can't get any information from FedLoan ( PHEAA ).
Product: Debt collection

In XXXX I checked my credit report online and noticed accounts in collections that do not belong to me. I have had issues in the past with Identity theft and had the same collections agencies state that I owe for services in states that I do not reside or other bills. I have never lived in another state. All accounts at the three credit agencies should have identity theft and fraud alerted on my credit reports and all my accounts are frozen yet I still get calls and collections agencies calling me about fraudulent accounts. The most fraudulent account is named LVNV Funding LLC c/o Resurgent Capital Services/ XXXX XXXX XXXX XXXX, SC XXXX. I have never heard of this company or had any accounts with them. They state I had an account open from XX/XX/XXXX and they closed it XX/XX/XXXX. A day after I started a dispute online. It now shows a closed account and shows I owe them still. I disputed their claim for debt collection through the credit bureau XXXX. They came back stating the information was correct. I called XXXX and spoke to someone about the dispute, but they couldn't help because their website was not working. I couldn't login to file another complaint with XXXX as their site never works. It kicks you out and when you try to click a dispute the website takes you to a page that is broken. Their solution is to keep calling or trying to login or come back another time. XXXX states that I also have another bill from XXXX XXXX, XXXX XXXX XXXX XXXX, DE XXXX. They also state I have accounts that were created XXXX XXXX My identity was stolen XX/XX/XXXX. They got into my phone, XXXX, and shut off my phone, got into my high yield savings account and tried to take all my savings. It was a horrible experience, and I am still fighting multiple debt collection agencies for different amounts that all say I live in Texas. All these accounts are fraudulent. I want them taken off my credit report and my credit score returned to the original score.
Product: Consumer Loan

In or around XXXX XXXX I was laid off and soon thereafter began having financial hardship. I explained this situation to Car Finance ( the agency collecting the auto loan ) of such hardship. Towards the end of XXXX XXXX my income was drastically decreased but I kept my best to make payments and ask that they stop calling my cell phone so often as I was well aware of the times my payments were late but I was still making them. In XXXX XXXX they kept calling on a regular basis even though I explained I was trying to borrow funds and would make sure my payments were n't more than 30 days past due. My requests continued to fall on deaf ears and the calls had gotten to the point I begged to stop and borrowed money from my roommate on credit to pay my bill, because they would n't let me off the phone. I have spoken to people in the legal field because of the harassment and I was advised once I asked them to stop calling my cell phone they would be in violation of the Telephone Collection Practices Act and considering they had called at times prior to XXXX and after XXXX PST they were violating Federal Collection Practices Act. I called them and told them about these violations and I NEEDED them to stop ; i was told ( no less than two separate occasions ) they could n't until my bill was up to date. -- I have made several complaints to them, I 'll need to get their call logs because their number changes and I only have two or three numbers they used to call me on my cell phone call logs. I understand that an attorney may assist in getting direct funds for each violation. My goal is not to have an attorney take a lot of money and I still owe them. My goal is to have them work with me, remove all of the fees ( which is the majority of the amount owed ) and a decent payment plan only on the remaining principal amount. That seems fair, I do n't want a long drawn out legal issue and them to threaten to repossess my vehicle while ruining my credit report. My credit report should n't have any delinquencies regarding this debt because I have made sure payments were not over thirty days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX  XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, AQUA FINANCE add a hard inquiry on my credit report per XXXX.
Product: Money transfer, virtual currency, or money service

I had a transfer through simple swap get cancelled and refunded to my Binance US account with XXXX Doge, the money never showed back up into my account and I have been emailing them for weeks and no reply just auto responders. Meanwhile the coins were worth $ 11000plus and I want to sell them and can do nothing. I keep seeing in the complaints that they dont respond for months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this statement to address the incident of identity theft that I have recently experienced. My personal information, including my Social Security number and banking information, has been compromised without my knowledge or consent. I am deeply concerned about the potential consequences of this breach, including the risk of financial loss and damage to my credit score.

I have taken immediate steps to mitigate the damage caused by this incident. I have contacted my financial institutions and placed a freeze on my accounts to prevent any further unauthorized activity. I have also filed a police report and contacted the credit bureaus to place a fraud alert on my credit reports. 

Going forward, I am committed to being vigilant about protecting my personal information. I will be monitoring my accounts closely for any signs of unauthorized activity, and I will be exercising caution when sharing information online or over the phone. 

I sincerely hope that the individuals responsible for this theft will be brought to justice, and I urge anyone who has experienced a similar incident to take immediate action to protect themselves from further harm. 

I hope this helps! Let me know if you need anything else.
Product: Mortgage

I have paid for a XXXX XXXX XXXX and it was done on XX/XX/XXXX. I have yet to receive the XXXX report to date. I have called and emailed Stockton Mortgage Corporation and XXXX XXXX  XXXX, to have my PMI removed via this report. I contacted the person who did my report ( XX/XX/XXXX ) and by law, they said they can not give it to me, they gave me the company who hired him, XXXX XXXX. I called XXXX XXXX and the representative says my XXXX was don't but they also are not allowed to give it to me but told me the report was sent and delivered earlier in the month. They wouldn't give me the exact date but said it was delivered after multiple attempts. I found out that my mortgage was sold ( XX/XX/XXXX ) after months of trying to get my PMI removed, started the process in XXXX.
Product: Credit reporting or other personal consumer reports

Once again within seconds experian closed 1 complaint while working on another, LUE THEY ARE DOING NOTHING BUT STALL AND GIVI G XXXX  EXPLANATIONS
Product: Debt collection

I first visited The XXXX in XXXX for education purposes. l applied for an XXXX and got it. I stayed for a while and then returned to my XXXX  Right now I have been living in The XXXX since XXXX. I am a XXXX XXXX. I visited the XXXX for vacation and trade purposes several times between XXXX and XXXX. But I never applied for any credit card, personal or student loan during this time. The current situation is I am being called and receiving mail Law firm about a debt. I have no idea what debt they are talking about. I do not know what I need to do. I received the first mail in XXXX from the Law office. Between XXXX and XXXX no one called me about this issue. Now They started calling me again. 
For your information
Product: Mortgage

XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks, '' then he says later that it was " customary procedure '' for them not to get the file approved until AFTER an appraisal, which was n't ordered until weeks after the file was at Supreme Lending. When challenged, he then said that 's the way Supreme Lending does it. That 's odd, since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore, XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business ), so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it.
Product: Credit reporting or other personal consumer reports

last month when i applied for a mortgage at XXXX XXXXXXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.
Product: Credit card or prepaid card

On my American Express account, I had an additional card for one of my employees, XXXX XXXX. He passed away around XX/XX/2022. At some point ( at least several months ago ), I went to the American Express website, planning to remove/cancel the card. That option was not available online, so I took the option of " freezing '' the card. 

Today, I discovered that I incur a {$170.00} annual fee for each additional cardholders. I called American Express and had them remove XXXXXXXX XXXX XXXX altogether. I asked if they would refund the {$170.00} fee or a portion thereof since XXXX had died over a year ago. 

They did not. Is this within their rights?
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX XXXX for about 6 months or so. On XX/XX/2022 I called Commmenity Bank to get a FINAL payoff figure - I got and paid the final payoff figure of {$260.00} on XX/XX/2022. I was assured the account was closed. A month or so later I got a bill for {$2.00} cents ... .. i refused to pay anything more on an account that was CLOSED. Now these monthly bills and harassing 4 to 6 daily phone calls say i owe {$110.00} - on an account closed XX/XX/XXXX. I called the company again today and was told there was " nothing they could do to credit any of the interest charges because my account was closed ''????? But I can continually get charged monthly for an account that is closed? I am understandably angry. I have other credit cards that are all in excellent standing. I would appreciate any help with this issue. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXXXXXX XXXX in XX/XX/year>. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/2027 I called the original creditor TD Bank USA/ Target Credi Phone number : XXXX in regards of getting information on the account of asking for a 1099 c form since the credit card debt was paid off. Was told by the representative that my old account was in a collection agency name XXXX XXXX XXXX. The phone number that was given to me was XXXX. Called multiple times throughout the day for two days with no response to ask for a 1099 C form since the debt was paid by them and should be reported at a {$0.00} balance, and according to Law FRCA section 605B, it is illegal to report any information on my credit report without my permission which I have not given. This matter needs to be investigated and deleted. 
Thank you.
Product: Credit reporting or other personal consumer reports

have hard inquires for morgage loans im not aware of. i recently came home from XXXX and have no idea of this and rewcently obtaining important docs XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to implement a credit freeze through Equifax for over a week. The only two options I have been supplied with are through an automated call service and an online portal. I have tried both methods multiple times and each time the system said it was unable to complete my request, in spite of the fact that I followed all of the steps and supplied all of the correct information provided. 

When I called their support line, they would not provide me with a number to contact anyone in Equifax who could verify the freeze or could help me resolve this issue. Twice the customer service rep simply hung up on me. 

I was able to enroll in their Identify theft program but even on that site, it shows that there is an error on my account. There is a customer service number listed but when I call, I only get the signal indicated the number does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX  and Equifax several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX - XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agency XXXX for their refusal to place a block on a fraudulent auto loan, reported by XXXX XXXX XXXXXXXX XXXX on my credit file, even after I provided ample documentation proving the fraudulent nature of the transaction. 

I discovered an unauthorized auto loan from XXXX XXXX  XXXX listed on my XXXX credit report. Understanding the severity of the situation, I acted promptly and followed the correct procedures to rectify this issue. I filed a police report, submitted a Federal Trade Commission ( FTC ) Identity Theft Affidavit, and obtained a letter from XXXX XXXX XXXXXXXX confirming the fraudulent nature of the loan and their agreement that the loan was not entered into by me. A copy of each document has been provided to XXXX. 

Despite my efforts and in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must block the reporting of information that the consumer identifies as information that resulted from an alleged identity theft, with the requisite documentation provided, XXXX has denied my request for a block on this fraudulent loan. 

I believe XXXX 's refusal to honor my block request constitutes a blatant disregard for my rights as a consumer and demonstrates an improper and potentially harmful handling of my sensitive credit information. This has caused me significant stress and has the potential to adversely affect my creditworthiness and financial health. 

According to FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), upon providing a valid police report to a credit reporting agency about alleged identity theft, the agency must promptly block the reporting of such information. Furthermore, under FCRA section 611 ( 15 U.S.C. 1681i ), the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate due to fraud and correct the error.

As I have complied with all required steps, including providing the necessary legal documentation, I request the CFPB to investigate this matter promptly and ensure that XXXX adheres to the appropriate sections of the FCRA. I seek an immediate block of the fraudulent information on my credit report and assurance that my rights as a consumer are upheld. Additionally, I request that XXXX send me an updated copy of my credit report post-removal of the fraudulent account to verify that corrective action has been taken. 

Enclosed, please find copies of all relevant documentation, including the police report, FTC affidavit, and creditor 's letter, to support my claim and request for immediate action. 

Thank you for your attention to this urgent matter. I anticipate a prompt response and resolution to this issue. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit - Letter from XXXX XXXX XXXXXXXX
Product: Mortgage

SHELL POINT MORTGAGE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX phone XXXX fax XXXX XXXX XXXX website www.shellpointmtg.com On and prior to XX/XX/year> Shellpoint told us that XXXX company called XXXX forced them to buy our XXXX sewer loan for about XXXX so we are negative in escrow... or they had a lien and would foreclose XXXX us I am a XXXX XXXX XXXX my husband is XXXX XXXX XXXX XXXX with a 70 % service connected XXXX We have been here 28 years when we bought our home. 
The sole reason we stalled on paying XXXX was at XXXX day late they raised loan to 14 % ONE DAY LATE? was NOT in contract and is absurd We disputed this and they said hang on we will fix it for XXXX lawyer called and said they would..so wait for docs. next we heard they forced the loan onto SHELLPOINT
Product: Checking or savings account

I had money in my account to cover all pending fees, bank assesed their monthly fees to my account and pushed my account into Negative and thens tarted charging me NSF fee and daily over draft fees and started finalizing pending transactions and continue to add new {$35.00} NSF fees for ever pending transaction that was there and prior to them assessing their fees. now they are charging me {$35.00} + {$5.00} daily over draft fee for every pending fee that should have been paid first instead of them taking their monthly fees first and then pushing every thing in the red.