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

XXXX XXXX XXXX is reporting a debt on my 3 credit reports and I've never done any business with them. I don't know much about them other than what I've read that they are known for trying to scam consumers out of their money with unverified account information. Because I've never done any business with them I demand to see verifiable proof of the original contract bearing my signature that I signed for this debt. Also a copy of payment history from the original creditor that I supposedly did with them. Name and address of the original creditor and proof that you either own or have been assigned this debt to collect. Failure to provide proof within 30 days of receipt of this complaint will leave me no choice but to exercise my rights under the Fair Credit Reporting Act 15 USC 1681N and 15 USC 1692g which I've never received anything from this debt collector.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

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

Hi I am submitting this XXXX XXXX this isn't 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 4 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

On XX/XX/XXXX, I initially submitted a request to have my PMI removed on my Mortgage to LoanCare LLC, the servicer on my mortgage. At that time I had just paid my mortgage down to a better than 80 % LTV. I was told that at that amount that it is permissible to have the PMI removed following an analysis of the factors. I have never missed a payment and I have been paying on my mortgage for more than 5 years.
The company claimed they never received this request when I called 2 weeks later, so at that time, I submitted a second request via email on XX/XX/XXXX. This they received as I received back an email response that they would respond to my request within 5 business days. I did not receive a response. Over the next month and a half, I called customer service repeatedly and sent additional emails. Only after I submitted a complaint the CFPB in mid-XX/XX/XXXX, did I finally receive a response from the company. Their response letter to me was dated XX/XX/XXXX. I received it in early XX/XX/XXXX. That means that their response time was almost 2 full months after the definitively received response from XX/XX/XXXX. The letter stated that they would not remove my PMI until I paid my loan to a better than 78 % LTV. I did so immediately and submitted a new request that they remove the PMI from my account on XX/XX/XXXX. The email response to my XX/XX/XXXX email said that they would respond withing 5 business days.
It is now XX/XX/XXXX, and I still have no resolution on this issue. They continue to charge me for PMI. All of these delays make it seem like they are unwilling to stop charging me for the PMI. They are charging me for something that they are no longer legally allowed to charge me for ( according to their own letter to me and the FHA guidance I could find online for loans made in XX/XX/XXXX ) and the previous delays while they investigated removing the PMI seem like they were engineering to incur additional PMI charges. I indicated in at least one of my early emails requesting removal that I would pay to where needed immediately once I had confirmation of that amount, but they continue to drag their feet.
I tried calling the company on Monday, XX/XX/XXXX. They were not even taking calls. You were allowed to leave a number for call back at their convenience ( after you spend 10 minutes going through the call-in process ). They called back while I was at work and unable to respond. So, there is absolutely no avenue for me to try to get resolution on this issue. When I send emails, they just give me a canned response. I ca n't speak to a customer service representative because they call back when it is convenience for them, not for when one is available.
Product: Debt collection

On XX/XX/XXXX I noticed there were accounts on my consumer report that I didn't recognize. I am unaware of this debt nor do I recall having a business agreement with this company. I never received any type of notification that I owe you this debt and putting it on my credit report without me having the opportunity to correct it is illegal. If you think you did send me proper notification, please provide the certified receipt with my signature showing I was aware of this debt?
Product: Checking or savings account

Yes I have a XXXX sales and use sales tax payment voucher for my XXXX sales tax ammended return case number efiled payment voucher for ID theft and made a claim my account was unable to merge the payment the last year from direct deposit of a hacked and entity data breach from XXXX and capital One Bank National Associates. It was a voucher of {$170.00} in installed payments for XXXX XXXX sales tax and asked to remove it from my account id geft and direct deposit it to my capital one bank or XXXX XXXX  which ever one wan to assign the identity theft because we filed a tax levy of a tax lien of {$110000.00} and my account was under investigation for fraud and reported it to XXXX XXXX XXXX for ID theft and asked to oick up my check and said there was a lien on my account. I paid one with a tax attorney XXXX XXXX XXXX {$110000.00}. I asked to remove he ammended XXXX collection due from ID fraud of my oayment voucher with the case number and ID theft from XXXX XXXX capital One Bank National Associates. Therefor covering he bank with a XXXX form and follow up with a XXXX form filed with the tax year of ammended return with taxes already filed with an update up tax return from direct deposit efiled XXXX, and XXXX XXXX XXXX XXXX XXXX  tax return.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Checking or savings account

Unopened an account with KeyBank online on XX/XX/2023. I was working out of town in XXXX, Oregon. On XX/XX/XXXX the owner of the company brought us our paychecks. I went to the key Bank in XXXX to cash or deposit my paycheck. They told me there was a restriction on my account which didn't make any sense because I just opened it. They asked me for verification of my address and social security number. I provided it right then and there with the XXXX  manager XXXX XXXX in XXXX, Oregon. He was on the phone. They lifted the restriction. They took my check deposited. It gave me {$300.00} of it. So they said it would take a couple days but the restriction was lifted. I called on Saturday 3 days later they told me the restrictions were still there. I am currently working in XXXX, Oregon. I'm at the key Bank branch and sublimity Oregon after sitting on hold and talking to XXXX different people over the last hour, the holds are lifted. They check was cleared and yet I'm still sitting here. They're not giving me any of my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following 2 credit cards that show large outstanding balances : The XXXX and XXXXXXXX XXXX XXXX XXXX 

Both of the companies have not reported since XX/XX/2022. I have called both of them several times to update the balances and they said that it was a computer glitch and it would be fixed within a week. The XXXX has a XXXX balance and XXXX XXXX XXXX XXXX has a {$900.00} balance. 

I filed a dispute with XXXX XXXX and it still has not been resolved. I am in the process of refinancing my house and its affecting my interest rate. Thank you in advance for any assistance you can provide. Its very frustrating!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to lift the credit freeze placed on my account and Experian has made it impossible to resolve this issue by not allowing customers to speak with a live person even during business hours. The only help the automated system offers is sending me to their website regardless of what limited selections are offered on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE. 


Account NamePENTAGON FEDERAL CR UN Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this removed from my credit report. i never received a loan deposit from XXXX in XX/XX/2021. I have tried to call to have it removed and they have not removed it. i have attached bank statement
Product: Debt collection

Hunt & Henriques , LLP violated federal and state law in their attempt to collect debt : 1.Hunt & Henriques violated FDCPA 15 USC 1692h 809 by not providing a statement in their initial communication allowing thirty days to dispute the validity of the debt.

2. Hunt & Henriques violated the California Fair Debt Buying Practices by not : ( a ) identifying themselves as the sole owner of the debt ( 1788.52 -a1 ) ; ( b ) the date of default or last payment ( 1788.52-a3 ) ; ( c ) Providing the names and addresses of the charge-off creditor and the charge off creditor 's account number identifying the debt ( 1788.52-a4 ) ; ( d ) or a separate prominent notice stating that I may request a copy of the contract or other documents evidencing the agreement to the debt ( 1788.52-d1- ( 6 ) and ( e ) and failing to omit Section 605 ( a ) of the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681c ) 1788.52-d2 In the summons and complaint filed by Hunt & Henriques , the aforementioned also engaged in unfair debt practices by not identifying themselves as the plaintiff and instead named XXXX XXXX XXXX XXXX XXXX as the plaintiff even though they purchased the debt from XXXX XXXX  XXXX , XXXX and therefore are the sole owners of the debt and will gain financially from the debt rather than XXXX XXXX  XXXX , XXXX. 

Did not provide under the California FDPC 1788.58 1. The date of default of the date of the last payment ( 5 ) 2. The name and address of all persons or entities that purchased the debt after charge off ( 7 ) 3.That the debt buyer has complied with section 1788.52 4.A copy of the contract or other documents described in subdivision ( b ) of Section 1788.52 shall be attached to the complaint ( subdivision b of Section 1788.58 )
Product: Money transfer, virtual currency, or money service

The FTC reached an agreement with XXXX on financial penalties for violation of a court order. 

I received a letter from PayPall advising me of the agreement and asking me to claim using a PayPal account. I do not have one. I attempted to set one up and ran into multiple problems. Ex. It would not work with a major US bank, a major XXXX bank, and a minor XXXX bank. It wanted me to give PayPal unlimited access to my accounts with the right to withdraw funds. I would never give anyone that right. I deleted the banking information as it would not allow me to set up the links. 

When calling PayPal, I found out that they kept my bank details despite my deletion of the accounts that I tried to link. 

This is a serious fraudulent practice on their part. 

Additionally, they lied numerous times about my options and said I could only access my funds by setting up a PayPal account. 

I also found out that they now charge a fee for inactive accounts. So they are forcing people to get an account and to give access to their bank accounts and then start charging when you dont use their services regularly. 

I am shocked that the US FTC would use a company like PayPal. I spent hours on the phone with PayPal trying to resolve with zero success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, my wife transferred {$610.00} minus a XXXX instant transfer fee totalling the transfer amount to Chase in the amount of {$590.00} to my debit card ending in XXXX to my business account. This transaction was a instant transfer from XXXX. Chase has not released the funds. After speaking to multiple agents for hours and hours the past three days, still no resolution. First I was told it was a maintenance issue and to allow funds to be released after XXXX on XX/XX/2024. Then I was told to give it a few more hrs. I was transferred to the claims department and was told they see the funds but can't assist. I contacted the fraud department and was told to contact customer service because they do not have the authorization to release the funds. XXXX sends me back to claims and was told thecsame information, cant assist. My wife contacted XXXX for help and she was told the money was sent and XXXX provided a trace number, XXXX and stated it's a Chase issue. Contacted Chase and provided the trace information and was told they couldn't do anything with this information. The finger pointing is exhausting and all I want is my funds. Please help! 
XXXX XXXX
Product: Consumer Loan

I was approved for furniture financing and I decided I no longer wanted to make the purchase and asked the store to cancel. The finance company is continuing to withdraw money out my account. They stated the store is pretending the purchase was custom furniture, they stated they have an invoice which would show nothing is custom I have revoked ACH privileges so I 'm sure they will start negatively reporting to the credit bureaus
Product: Credit reporting

Exquifax REFUSES TO REMOVE extended Fraud alert. I have notified this company that I did not authorize them to put any kind of fraud alert on my credit file. They are XXXX off because I keep challenging information on my credit file. They are determined to try to hurt me from obtaining credit. This company is on the verge of getting sued by me. This is the 4th time this year they have put a fraud alert on my credit file and I am sick of it. They are NOT doing their job and they are breaking the law. This needs to stop and they need to be sued.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Mortgage

We have had a mortgage with Chase for five years. I 've always paid the mortgage the first of the month. We now have almost XXXX % equity in the house ( tax value was given as {$470000.00} and we owe {$220000.00}. ) so first I wanted to refinance to get rid of the PMI and then to take out some equity to get out of debt due to medical bills. I contacted Chase to refinance and was told that it was preapproved and I sent the necessary documentation ( pay stubs, tax returns, etc. ) During the past nine-ten weeks they have repeatedly contacted us to tell us everything was fine and they did n't need anything. Then I was contacted and told they were not going to take the amount I pay for my student loans they were going to use a different calculation and now my debt to income was too high. I agreed to make some other changes to the loan, and it went back again. They told These changes included paying something else off and other changes. They then came back today and said that on my tax return ( that they have had for more than 8 weeks ) I have some business expenses I claim on my tax returns and that they were going to take this amount off of my income. Because of this new calculations my debt to income ratio was off again. The final loan was going to be {$80.00} more per month and would eliminate basically all of my debt BUT they still wo n't approve it. REMEMBER I ALREADY HAVE A MORTGAGE WITH CHASE AND PAY IT ON TIME. 
Chase is the WORST company to deal with and it appears they are making up the rules as they go along.
Product: Mortgage

I previously filed a complaint due to the conflicting information received by the company 's representatives and the constant issues i have had with trying to make payments. They responded by saying that i was set up on autodraft. They then proceeded to purge my account, thereby causing the exact issue that they said was resolved in the prior response. I assume this was retaliatory for filing the first complaint. 

I am still unable to log into my account and am unsure if my payment will be automatically withdrawn.
Product: Credit card or prepaid card

There was unauthorized credit card charges on the account, also someone was added to my account with out my permission and made charges on the account total {$47000.00} I told the credit card company and they are not working with me to fix the issue. Also identity theft was taking place on my account with out my permission someone have stole my phone number email address social security number date of birth and used it to make fraudulent identity theft over the time, there was an authorized user addeded to credit card account with my authority and was making fradulent charges on my account and now the credit card company is holding me responsible for the charges on the account. thank you.
Product: Student loan

The Lender of my Federal Loans switched during the months of XX/XX/XXXX and XX/XX/XXXX. I had no say or control in the transition from one lender to another. As a result, my loans were placed in Administrative Forbearance, which was out of my hands. No option for continuing payments ( {$600.00} ) was given to me. I have been on auto debit for years to ensure all my payments are made on time. I am working towards 120 payments for the PSLF program. Because of this forced forbearance, 2 months are not going to count towards the program, though it was out of my control. I was originally informed that these 2 months would count. However, I called the Lender ( MOHELA ) on XX/XX/XXXX and was informed that as of XX/XX/XXXX, those 2 months would not count. However, that information was not shared with me as the customer until I reached out for more information.