23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX re-opened Best Buy credit card to purchase 2 appliances - purchase total {$1800.00}. I did not receive a new card in the mail. 
XXXX received 3 calls from Best Buy Fraud Dept asking if I had authorized new charges on the card. Explained I did not have a card yet and NO - I did not make any additional charges. The 3rd call from Best Buy Fraud Dept was for an electronics dept charge of {$740.00} - I said I did NOT make this purchase. I also cancelled the original appliance purchase of {$1800.00}. No proof of cancellation was sent to me. 
XXXX contacted Best Buy Fraud Dept to open a fraud case to investigate {$740.00} fraud charge. Cancelled the credit card - Fraud Dept said it would take 60-90 days to investigate - case # XXXX. I was told I would receive a letter confirming the " investigation ''. No letter was received. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX received statement from Citi Bank Card Services- past due charges {$300.00} + XXXX contacted XXXX XXXX ( TX Law Firm ) - they sent certified letters to Best Buy & Citi Card Svs no response. They were told they can not work with 3rd parties to claims. 
XXXX XXXX XXXX sent certified letters to Credit Reporting Agencies explaining the Best Buy Fraud I'm XXXX years old and had an excellent credit rating of XXXX - now my score is below XXXX & all my lines of credit have been reduced. My auto insurance ( based on credit score ) has increased & I am unable to qualify for " best rate '' from my lender to purchase a new car.
Product: Checking or savings account

Us bank let me cash a check and have ne the funds but then said they could not cash the check and mailed it to my ex boyfriend and he cashed the check and didn't give me the funds so my account became overdrawn. The reason I out the vheck in my account is because they said it would be OK. I spe t an hour on phone with them making sure that it would be ok.
Product: Credit reporting or other personal consumer reports

According to your website " Public Records Information If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX, or visit XXXXXXXX XXXX XXXX '' I have attached a letter from XXXX stating deletion on the bankruptcies listed on my credit report 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. Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number XXXX Chapter XXXX Bankruptcy Reference Number 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: Mortgage

Nationstar Aka Mr. Cooper failed to report my mortgage account as paid in full to the credit bureaus, the account was paid in full as of the beginning of XXXX of 2022. I worked very hard to paid this account off therefore the account should be reported in a timely matter. I attached a copy of my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} is not charge off to me. My record shows that this account was Paid as agreed and XXXX is XXXX. Please correct this account immediately.
Product: Mortgage

XXXX Re : INCORRECT ANNUAL ESCROW DISCLOSURE STATEMENT for borrower paid mortgage insurance, XXXX XXXX XXXX, CA ; Account ***** ; Loan number ******. PMI INSURANCE WAS DELETED FROM MY LOAN effective XX/XX/XXXX. 

Dear Annual Escrow Statement Person, I went through considerable time and effort to remove the PMI, including hiring an appraiser on my own dime. As a result of that effort, I received the enclosed letter date XX/XX/XXXX cancelling my PMI Insurance based on investor guidelines. See EXH 1 - Letter cancelling PMI. My home is worth twice as much as I owe. 

Imagine if you were me and the disappointment you would feel if you found LoanCares Annual Statement showed disbursements to PMI Insurance when you had cancelled the PMI. See LoanCares Annual Disclosure Statement, dated XX/XX/XXXX. 

I would appreciate if LoanCare would remove those PMI charges ( and any other inappropriate charges ) and send me an Amended Annual Disclosure Statement reflect the appropriate charges. I need to know how much I really owe LoanCare so I can make appropriate payments ASAP. 

This overreaching must not continue. 

Best Regards, ******, XXXX  XX/XX/XXXX Cc : file
Product: Credit reporting

Equifax claimed ( for at least the third year in a row ) it could not authenticate me online when I tried retrieving my free annual report from XXXX. Attached are the verification questions they asked. The answers to ALL of them are " None of the above '' and this is how I answered. I believe Equifax is either systemically denying all requests from certain debtors for what may be discriminatory or other unlawful reasons, or to discourage requests for FACT Act disclosures in favor of their paid products. This has reached the point where I feel I must request more be done than just goad them into sending the report as they have in previous years. They must take concrete steps to resolve this issue once and for all.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXXXX/XX/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
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to to all three credit bureaus to inform them regarding the accuracy of my credit file all three of the consumer reports disregarded my concern. 

XXXX, XXXX, Addresses, and Relatives Found and Experian website. 
XX/XX/XXXX Upgrade to remove Name : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX, Fl XXXX, Fl XXXX, FL XXXX XXXX, FL XXXX, FL XXXX XXXX, FL XXXX, FL XXXX XXXX, FL XXXX, FL XXXX, AR XXXX, CA XXXX, GA Relatives : are not related to me : 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 also would like this information to be removed from my credit file everything was paid as agreed to by the lender. XXXX never late XX/XX/XXXX & XXXX {$580.00} paid as agreeing too XX/XX/XXXX & XXXX {$1800.00} Paid As Agreed XX/XX/XXXX XXXX $ XXXX paid to agree XXXX XXXX {$1500.00} paid As Agreed to XXXX XXXX XXXX {$270.00} paid as agreed XXXX XXXX {$360.00} Paid As Agreed to XXXX Closing Account that should be deleted. 
XXXX {$1200.00} Paid full. 
Medical bills. 
XXXX XXXXXXXX {$81.00} XX/XX/XXXX NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

CapitalOne turned me down because they said XXXX gave them the following reasons. When I contacted XXXX, they said they CapitalOne turned me down because of XXXX of these general reasons. WHAT IS THE REASON AND WHY IS XXXX giving CapitalOne reasons that don't apply to me???? If I knew exactly why, I would try to fix it but this is going around and around. 

CapitalOne 's reasons : Time since most recent account opening is too short DOES NOT APPLY TO ME- I opened my XXXX XXXX in 2012 Length of time revolving accounts have been established DOES NOT APPLY TO ME- I no longer have a revolving account, paid off Too few accounts currently paid as agreed DOES NOT APPLY TO ME, I only have XXXX account and have paid it on time Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high DOES NOT APPLY TO ME, I DON'T HAVE A BALANCE on my XXXX XXXX XXXX! 
Number of inquiries on credit report I APPLIED XXXX FOR CAPITALONE VENTURE WHICH INCREASED INQUIRES ( they told me to reapply!!!! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car then changed my mind I never give them permission to running my credit they keep tell me its factual but its not my next step is to contact my lawyer and file suit them inquiries need to be removed immediately!
Product: Money transfer, virtual currency, or money service

All money return from unsolved problems An all issues I couldn't resolve from the closing my accou ts keeping my money locking me out of my accounts using my accounts after closed an more
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX was advised in XXXX of 2022 that I am a current customer in good standing with XXXX. I am a XXXX XXXX XXXX XXXX. I advised XXXX the XXXX dollars was wrong and to verify. They did not. They reported it to XXXX, XXXX, and Equifax. I spoke to XXXX and VERIFIED multiple times with XXXX I do not owe them any money per XXXX. They received payment for the security system, which does not work. 

After notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They fraudulently placed the account as a collection on all three credit Reporting agencies. 

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

Account name : XXXX XXXX, has violated my rights. 

XXXX5 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I filed a dispute with the Experian Credit Bureau regarding inaccurate information on my credit report from " XX/XX/XXXX XXXX The account with XX/XX/XXXX was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

2. What is your authorization of law for your collection of information? 

3. What is your authorization of law for your collection of this alleged debt? 

4. Please evidence your authorization to do business or operate in this state. 

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 

6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding my account with XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and correction of the following discrepancies : The report states that the highest balance on this account is {$0.00}, which is inaccurate. Previous reporting indicated a balance of {$12000.00}. The missing highest balance may impact the accuracy of my credit history.The report indicates that I have made 68 % of payments on time, yet also shows numerous late payments in XXXX. I request verification and clarification of this data, as it may not accurately reflect my actual payment record. 
The report lists the account as charged-off but also states my last payment was on XX/XX/XXXX. If a payment was made on this date, the charge-off status and its timing should be reviewed for accuracy. 
I request that you investigate these discrepancies and provide me with an updated credit report reflecting any necessary corrections. Please provide a written response within XXXX days of receiving this letter, as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX XXXXXXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit reporting or other personal consumer reports

Due to mistaken identity, my credit report shows incorrect name, addresses, and employer. This serious error has caused ongoing issues, damaging my credit integrity and disrupting my ability to secure credit reliably.
Product: Credit reporting or other personal consumer reports

I truly appreciate that time used the Experian to remove 5 fraudulent inquiries from my credit report. And the XXXX have managed to remove one fraudulent inquiry as well. However, I still need the 9 remaining fraudulent inquiries to be removed. So, I am requesting another INQUIRY REMOVAL process from the Experian and XXXX bureaus. Please see the inquiries below to be removed from my credit reports : EXPERIAN : 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
Product: Credit card

My credit card was charged for a purchase at the company XXXX, XXXX. I have never did business with XXXX XXXX. I have never purchased anything from XXXX, XXXX. I have never given my credit card to XXXX  XXXX. I have never participated in or benefited from a transaction with XXXX, XXXX. I have never given my credit card to anyone or any company and authorized it to be used for a purchase from XXXX, XXXX. When I contacted Capital One and provided them my claim and told them it was an unauthorized charge they told me that it was proven that it was not a fraud claim and Im responsible for the transaction because they company had obtained my information, even though it was without my consent. This is preposterous. They told me I havent done enough to prove I didnt make the transaction and therefore I must pay them for it. This is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, US dept of ed Account # XXXX, US Dept of ED Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, US DEPT OF ED Account # XXXX, US DEPT OF ED Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # has violated my rights. 

XXXX5 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
Product: Mortgage

Subject : Formal Complaint - Nationstar Mortgage LLC d/b/a Rushmore Loan Servicing Mismanagement and Deceptive Practices To Whom It May Concern, I am writing to formally file a complaint against Nationstar Mortgage LLC, doing business as Rushmore Loan Servicing, regarding their management of my mortgage loan account, which they recently acquired. I have encountered several issues that I believe constitute a breach of agreement terms and potentially deceptive practices. 

Upon the transfer of my loan to Rushmore Loan Servicing, they altered the terms of the original agreement without proper notification or justification. Initially, my payment amount was {$1300.00}, which included both insurance and taxes. Rushmore refinanced my loan and subsequently increased this payment to {$1400.00} and failed to include insurance. This change was made without my consent, leaving me unprepared and requiring me to make higher & additional monthly payments and separate arrangements to cover the insurance cost. 

Further compounding the problem, on XX/XX/XXXX, I received a letter instructing me to contact my " Dedicated Loan Specialist, '' XXXX XXXX, at XXXX to discuss the release of funds that they were holding. However, this contact number did not provide direct access to XXXX XXXX or any specific department related to this matter. I was forced to use the hardship prompt to speak to a representative, which required multiple attempts and did not resolve the issue effectively. 

Rushmore is currently holding {$1300.00} of my funds, yet they reported a delinquency on my credit for a discrepancy of {$130.00}. This report is not only incorrect but misleading. The documentation they sent indicated that I owed {$130.00}, but when I finally reached a representative, I was informed that the balance was actually {$88.00}. Furthermore, they did not provide a receipt reflecting this amount. Their payment confirmation directed me to their website to 'see how my payment was allocated, ' but I have been unable to log into the website. Despite multiple attempts, I have not received the required code to log in. The conflicting information and inconsistency in the account balances, coupled with the inability to access my account details, have caused undue stress and confusion. 

I am deeply concerned about the lack of transparency and the unauthorized modifications made to the original loan terms. The inconsistent and misleading information provided by Rushmore Loan Servicing is unacceptable and raises serious questions about their business practices. 

I am requesting the Federal Trade Commission to investigate this matter thoroughly. My specific requests are as follows : An immediate investigation into Rushmore Loan Servicings practices, particularly concerning the modification of loan terms and reporting to credit bureaus. 
The removal of the reported delinquency from my credit reports. 
Assurance that there will be no further unexpected changes to my account balance. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was notified by XXXX and XXXX that a new inquiry had been detected. I had not recently attempted to open any new accounts. After further reviewing my credit report, I noticed that there was an inquiry reported from TD Retail Card Service through XXXX on XX/XX/2022. This was clearly not from me. There was also a new account that had shown up on my credit report through XXXX by the name of XXXX XXXX on XX/XX/2022. 
I immediately contacted XXXX on XX/XX/2022 because I pay for their monthly monitoring services. The customer service rep helped me to contact XXXX via three way calling. The person in the fraud department was very understanding and stated that there had been a lot of this happening around the holidays. She assured me that they could get the account closed and taken off my credit report and she would start the investigation. She said that she would send paperwork my way as soon as possible. 
Weeks went by that I had not received anything from XXXX in regards to my fraud claim but my credit report was not affected negatively so I assumed it was either rectified or still being investigated. 
In XXXX, I received a notification from XXXX that I had an account that was 30 days past due and my credit scores started to plummet. I contacted XXXX and they told me that my original dispute had been closed because they never received the appropriate paperwork back. I told them that I had never received any paperwork from them to complete and return. They confirmed that they had the incorrect home address to send it to but that there was nothing they could do because once the dispute is closed, its closed and Id have to pay the balance on the account. It was considered to be my account and I was responsible for it. I hung up with that person and called back and was able to speak to another person that understood and reopened a dispute. She corrected the address and told me that paperwork would once again be sent out. 
A few days later, I received a letter stating that the dispute had been closed and it was determined that it was my responsibility. They included the receipts of items that were purchased under this account and sent to an apartment, where I don't live, under my name. 
I went back to my credit report and noticed that this apartment address was listed as a previous address. I have never lived at this address. 
I have sent several letters to TD Bank and have contacted XXXX and they continue to close my disputes, without notifying me, saying that this is my activity on this newly opened account, apparently by me. 
This is not my account and I did not receive any goods for the {$3100.00} that was charged on this fraudulently opened account. 
I have filed a police report and a identity theft report with the federal trade commission. Why would I go through all of this trouble if I opened this account and purchased goods myself?