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

Subject : Dispute of Fraudulent XXXX XXXX Account Reporting on My Credit Report Dear TransUnion, I am writing to formally dispute the inaccurate and fraudulent XXXX XXXX account currently reporting on my credit report. This account does not belong to me, and I believe it is the result of identity theft. As such, it is imperative that this account be removed immediately from my credit report to prevent further damage to my creditworthiness. 

Details of the Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Dispute : Fraudulent Account : The XXXX XXXX account listed on my credit report is fraudulent and was not opened or authorized by me. I have never had any dealings or accounts with XXXX XXXX. 
Identity Theft : I believe this fraudulent account is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate and verifiable. 
FCRA Section 605B : Pursuant to Section 605B of the FCRA, I request the immediate blocking of this fraudulent account from my credit report. This provision allows for the removal of information resulting from identity theft, provided that a police report or other valid proof of identity theft is submitted. 

I request that you take the following actions immediately : Investigate the Dispute : Conduct a thorough investigation of this dispute under the FCRA and notify XXXX XXXX of this fraudulent account. 
Remove the Account : Permanently remove the fraudulent XXXX XXXX account from my credit report. 
Provide a Response : Provide me with written confirmation that this account has been removed and any related negative entries have been deleted from my credit report. 
If you require any additional information from me to assist in this investigation, please contact me immediately at the phone number or email address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to receiving your confirmation of the removal of this fraudulent account. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In response to CFPB complaint XXXX, LexisNexis reported to CFPB that it " mailed a copy of XXXX XXXX 's LexisNexis Consumer Disclosure Report ( " LNCDR '' ) for his review on XX/XX/2024. '' LexisNexis failed to comply with its settlement agreement. As of the date of this complaint, LexisNexis has not provided me with a copy of its Consumer Disclosure Report that it maintains on me.
Product: Checking or savings account

On XX/XX/year> I received an email verification request and that my mobile number had been changed. When I tried to log in, I was told that the account was compromised and that they would be issuing me a check and closing the account. The lady I spoke with said that no information about this would be sent to me even though I am requesting.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : Capital one Auto Finance {$17000.00} I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX
Product: Checking or savings account

I have a checking account with no overdraft protection selected when account was opened and yet Bank of the West charged the account {$70.00}, since " as a courtesy '' they covered 2 items on XX/XX/XXXX, which seems immoral and illegal. 
The opening and closing balances were positive on that day.
Product: Mortgage

I called SPS Servicing mid XXXX about the payments for XXXX and XXXX we're having trouble with on my rental property my son lives in. We've both been impacted by Covid with reduced income, but his employment and income was almost stopped because of the Covid virus impact. 

I told them I wanted to do a forbearance for the payments for the next 6 months as he's getting income coming in now, but will take time to catch up. I asked them to send me the paperwork to complete for the process, and they said they would. NO one told me the paperwork was on their website, I waited for it to come in the mail. 

When I got many letters from them, none contained the paperwork to complete, but one was the NOTICE OF DEFAULT! This is the start of the foreclosure process, which the CARES ACT  was to keep lenders from starting until XX/XX/XXXX per the federal law. I was upset to say the least that I received NO paperwork on requesting help, but a NOD! 

Since I thought, the request maybe handled online, I went online XX/XX/XXXX, and completed the request for forbearance online. I called XX/XX/XXXX and talked to several people ( although wouldn't transfer me to my relationship manager single point of contact ), and they told me they have no application showing my request. Even though I got a confirmation email the request was received ( attached ). Apparently there is a link that says, 'having trouble due to Covid ',  and I needed to fill out that request and not the one that said - need payment assistance. I was not able to complete it as it said I have an application in the system. 

In all the letters they sent me, I received a letter that I have a relationship manager, but they would not forward me to him. The person told me she reset the system so in 15 minutes I would be able to complete the COVID forbearance information. I tried several times, and I can not get the application I already completed with income and reasons for issue. 

My fear is this house has a lot of equity, {$150000.00} ; and the mortgage company is not going to cooperate with this forbearance request. If they start to add on the foreclosure costs, I will not be able to catch up the payments and their MASSIVE foreclosure fees. I can not get the relationship manager to talk to me, and I'll be bounced around until the loan is not cured and foreclosure will move to sheriff sale and all the fees involved. 

We are now 3 payments due and will be making one payment this month, and should be caught up by end of XXXX, worst case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX I found out that Equifax info was stolen over a month ago and they are just now telling consumers. It is unacceptable that Equifax waited for over a month before notifying the public that this happened. 

I followed the link provided by Equifax and by submitting my info, found out that yes, my info was potentially exposed. Equifax told me to return to the website on XXXX to provide more info. They also told me to remember that date, because they would not be sending me any reminders. 

My complaint is this. 
1 ) why is the onus on me the consumer to look up and see if I am affected? They already know who is affected and they should act on that info 2 ) now that I know I 'm affected, why do I have to initiate anything? They should automatically turn on whatever free credit monitoring service that are offering 3 ) why do I the consumer have to remember to go back to their website to complete the process? 

All of this should be taken care of by them, Equifax, without me having to ask, without me having to remember, without me having to complete a multi part process. 

Thank you
Product: Checking or savings account

On XX/XX/2024 a fraudulent check was presented to Chase Bank for payment against my checking account. 
On XX/XX/2024, to its credit, Chase bank sent me a fraud alert and asked if I had issued the check. I replied " No. '' I received a reply that said, " Thank you. We will not pay this check You don't need to do anything else. 
I visited the local branch office and was also assured by the service rep. that the check had been caught in time. I checked the account daily but saw no reversal of the charge to my account. On XX/XX/XXXX or XX/XX/XXXX I returned to the bank and was told the check, contrary to my instructions, had been paid and that I would now have to go into to claim to recover the lost funds. It was my understanding that the service rep. filed the claim and that the funds would be restored within 3 to 5 business days. It is now well beyond the five days and my account is still short the amount of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is listed wrong and needs correcting. I sent a USPS certified letter # XXXX on XX/XX/2021, that was delivered to Experian on XX/XX/2021. As of today, my name is misspelled and my current address needs updating with the deletion of past addresses. ( See enclosed letter )
Product: Debt collection

In XX/XX/2014 a medical " debt '' was sent to XXXX XXXX by XXXX XXXX XXXX XXXX   Through deceptive practices and supposedly " running my insurance incorrectly '' a dental procedure which they stated would be around {$40.00} suddenly ballooned up 1000 % more to over {$400.00}. They sent several invoices for this debt and each time I called them and asked them to look into the account. They said they would do an audit of my account and get back to them. I never heard from them until they sent the next invoice. Finally I get a notice from XXXX threatening to ruin my credit, which apparently they have attempted to do since they are on my credit report. The company outside of that one notice has never attempted to collect the debt, no subsequent phone calls or letters to collect. I think this should be removed from my credit report as both these companies acted inappropriately.
Product: Debt collection

Credit collection Services - I paid this account in full - was XXXX XXXX - two bills {$58.00} and {$21.00}.
Product: Debt collection

i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with XXXX  XXXX XXXX, XXXX and capital one. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX for these charges on my account, the police case number is XXXX but capital one will not dispute these charges saying they do not see any signs of fraud but i was clueless that these were thieves and it was all a scam and they stole the money. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, I submitted a complaint regarding XXXX. The complaint was addressed, and XXXX stated that they located and removed the following records from my credit report : XXXX and XXXX. XXXX also submitted a dispute to both Experian and XXXX on my behalf. However, after multiple calls to Experian, and XXXX - I was told that no such dispute was received or could not be located. 

I have sent every letter received from XXXX to both Experian and XXXX. I am not sure why XXXX has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

XXXX claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I had a Synchrony/PayPal account that went to collections with XXXX XXXX. Whenever I logged into their website, my account showed a XXXX balance. I have screenshots going back periodically over the past XXXX years. I disputed the entry on my credit reports several times and notified the credit reporting agencies that I had contacted them to resolve the debt but they declined to accept any payments. Nevertheless, they continued to verify the debt. Next, I receive a demand letter from XXXX & XXXX and discovered that XXXX XXXX retained them. The amount is now over {$3600.00}, much of it fees and interest. I believe XXXX XXXX is intentionally making it difficult for borrowers to pay so that interest can accrue. Your organization censured XXXX XXXX in 2015 for similar practices and were ordered to revise their debt collection activities.
Product: Debt collection

Complaint and QWR. 

Caliber never responded to my simple question WHO authorized and released the servicing rights from XXXX XXXX  XXXX XXXX and transferred to Caliber. 

Who authorized and released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

I want to clarify I am not making any inquiries about origination, underwriting, subsequent sale or securitization, or any determination to sell, assign, or transfer the servicing of the Loan ; or an assignment of a mortgage. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct contact information who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking to disclose the NAME of the company and the name of its individual officer, with his/her direct mailing address and direct phone contact information who released on XX/XX/2019, the servicing rights for the Loan from Caliber and transferred to XXXX XXXX XXXX XXXX XXXX XXXX 

The problem with Calibers statements is that they are the equivalent of saying that if my alleged Creditor hire an employee, someone else can take that employee 's place without my alleged Creditor knowledge or consent. 

It simply does not work that way. Agents do not appoint themselves or create powers for themselves. That is ALL ( no exceptions ) done by the principal for whom they are acting. 

Any company that is claimed to be a " servicer '' or who has allegedly participated in a transaction regarding the servicing of a collateral account ( unpaid loan account on the ledger of a creditor ) MUST be acting on the express authorization of that creditor. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from XXXXXXXX XXXX XXXX XXXXXXXX to Caliber Home Loan , Inc. and who appointed Caliber as a Servicer. 

I am asking Caliber to identify the NAME of the CREDITOR and direct contact information for the individual officer of my CREDITOR who authorized the release of servicing rights from Caliber to XXXX. 

So when a XXXX  company who filed these letters with CFPB says that a company Caliber- is a " servicer '' that does not make the company a servicer, agent or authorized to act on behalf of anyone. It is an assertion or allegation which is only implied. 

I am asking for the FACTS - identify the NAME and direct contact information of the Company and its individual employee who authorized and released servicing rights from XXXX to Caliber and from Caliber to XXXX.
Product: Credit card or prepaid card

I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.
Product: Credit card

I logged on to my banking online at Citibank 's website. I discovered my credit card has been closed. This will cause financial harm by lowering my credit score due to no fault of my own. I did nothing wrong. I never had a 30-day late payment with Citibank, I never added authorized users, this is not a joint account, I never lost my credit card, I never had my credit card stolen, l never did a cash advance, I never used my credit card outside of my state, I never used my credit card for any illegal reason ( e.g., online gambling, ) and I pay my credit card every month since I had this account. I perform exceptionally. 
This is an unfair and abusive practice. In addition, I called the bank and the agent said they can not tell me why my credit card was closed. Now my credit score has significantly decreased due to no fault of my own. I have also previously submitted valid complaints against Citibank with the XXXX  and CFPB, and feel my account closure is retaliation. I seek to hold Citihank accountable.
Product: Student loan

Ive waited 4 months for my PSLF certification form to be processed to update my payment count and have yet to hear the outcome. The employer didnt change from the year prior and it hasnt been anything out of the ordinary. I was told these forms should take no longer than 2 weeks to be processed, and every time I call about it to inquire on status since XXXX, they say it's still processing. They are no longer going to be processing these forms after XXXX, and I submitted early to avoid delays towards the end of their contract, but still no one is doing their jobs.
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 ACCOUNT XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts *REMOVE* XXXX XXXX XXXX XXXX  # XXXX FRAUDULENT ACCOUNT REMOVE XXXX XXXXXXXX XXXX XXXXXXXX FRAUDULENT ACCOUNT REMOVE *Fraudulent inquiries REMOVE* XXXX XXXX XXXXXX/XX/XXXX REMOVE XXXX XXXX XXXXXX/XX/XXXX REMOVE
Product: Credit reporting

XXXX added a mortgage on my credit report that belongs to my mom. I have provided the proof necessary to remove this off my credit and Equifax failed to read and correct the information. 
The mortgage was originally with XXXX, and XXXX confirmed my name was not on the mortgage, The attached documents clearly prove that my name was released from liability of this loan. Please have equifax remove this information from my credit report asap or i will file a claim to sue them. this is my 3rd request to equifax. 
thank you.
Product: Debt collection

I have been monitoring my credit. I noticed I was constantly getting derogatory marks and looked into it. I contacted the company in question, Sunshine Credit Services on XX/XX/XXXX. I spoke with XXXX XXXX. I informed him that I had not received anything notifying me of the attempt to collect however the company had reported derogatory marks to the credit reporting agency in my behalf. I also informed him that I am a XXXX XXXX XXXX XXXX XXXX veteran, with no ability to pay. I was informed that his supervisor XXXX XXXX said the policy was to report weekly after their attempt to contact me and asked had I received a letter of intent to collect from the company. I explained I had not and asked to speak with the supervisor. I then spoke with XXXX XXXX, who was very rude as I asked about the policy and how to obtain a copy of the recorded conversation. Mrs. XXXX asked me why I wanted a copy of the conversation and told me it didn't matter they were still going to report every week, and my credit is still going to be messed up until I pay them. Also without contacting me, Sunshine Credit Services attempted, without prior authorization and/ or notification, to draft {$1600.00} from my XXXX XXXX XXXX account on XXXX XXXX. Thank God the bank noticed it and blocked the attempt, forever I had to cancel the debit card associated with the account at that time and be issued a new one.
Product: Checking or savings account

on XXXX XXXX, XXXX they charged me a debit adjustment fee of {$95.00}. I called the PNC Bank the same day to see why. They said that when I went to the Atm machine XXXX/XXXX/XXXX and withdrew {$55.00} I took out {$150.00} instead and that they had it on video. I told them that before I left I counted my money and that I received a total of {$55.00} and not the {$150.00}. They then told me that the person who puts the money into the Atm machine had put the {$20.00} bills in the {$1.00} slot and the {$1.00} in the {$20.00} slot and did not make sure the money was in its correct slot. I spoke to a manager in the store about the problem and she also told me that this had happened to someone else that same day. I called customer to speak to the escalating team because the dispute team denied my dispute. And the escalating team said they are just waiting on the video from the dispute team. On XXXX/XXXX/XXXX the dispute team gave me provisional credit for the {$95.00}. Then on XXXX/XXXX/XXXX they took the provisional credit back. Then on XXXX/XXXX/XXXX they sent me a letter in the mail stating that they credit my account the {$95.00} back. However the funds has not been credited back into my account. I have tried my best to be patient with the dispute and escalating team but they still have not resolved the problem.