23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage payment with UWM and in XXXX XXXX paid the required XXXX into their escrow a account, I have paid faithfully every month. My property taxes and hazard insurance has been the same. FOR some reason I just received a statement saying I am short on on the amount in my escrow account and need to send them them {$140.00} because I do not have the required escrow of XXXX dollars. For XXXX and in the past it was the same nd it was never short. What happened this year? I have talked to them, but they do not give me an answer as to why it happened to be short this year. UWM is a division of United Shore Financial services.
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. 

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 XXXXXXXX,, 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.

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: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for these accounts is reporting accurately every natation date and balance whether reported or not. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By provisions of the consumer protection laws. I demand that if unable to so or lacking proof of these payments being late. Please update my payment history to PAANL status ( Paid As Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last six months.

Im also requesting the description of the procedure used to determine the accuracy and the completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 30 days of the receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. .Thank you for your prompt attention, time and help in this matter.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is saying that I owe them, but they have not sent me any proof like a contract that I signed showing proof that I have an account with them, or that I owe them any money. 

I have repeatedly asked for evidence to support this debt and false reporting, but yet again, ( XXXX XXXX XXXX ) has failed to provide me with a copy of any viable evidence substantiating their claim, that I owe a debt or have any kind of account with them. 

I sent dispute letters dated XX/XX/2020 and XX/XX/2020 to XXXX XXXX XXXX and still have not received any responses or feedback. I do not have a debt with XXXX XXXX XXXX. This is inaccurate reporting on their behalf and fraudulent information. 

.
Product: Credit reporting or other personal consumer reports

I just want to login to my account. I've been trying to login to my.equifax.com for days to manage a credit freeze, but despite entering all the correct login and personal information I keep receiving the error, " We are temporarily unable to complete this request. '' Ive contacted Equifax Customer Support. I provided all the necessary information, reset my password, followed all the steps, and still receive the same error message.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX consistently lowers my credit score when I received two new credit cards and they are monitoring and purposely decreasing my credit score to keep me from obtaining credit. 

They have my credit file in XXXX special investigation file so when ever I apply for credit they are alerted and change my credit information then deny the new credit application. 

They have no reason to have my file listed under special security. 

They have decreased my credit score by XXXX points for an 18 % increase in balance for two new credit cards. 

Three months prior to the XXXX point decrease they decreased my score by XXXX points for a new credit card. 

They consistently show a balance for a charged off and disputed account with XXXX opened in 2014 which should be removed from my credit report. 
It's over XXXX old. 

They are allowing XXXX to monitor my credit. 

I have monthly credit inquiries by XXXX. 

But every time I have a credit inquiry they list it on my credit report along with recent last payments this is all illegal. 

I have made many complaints in which XXXX corrects the matter and then repeat the same actions a couple of months later. 

I have written my local Senator who happens to be on the XXXX XXXX XXXX with a complaint.
Product: Credit card or prepaid card

I have a balance on my Upgrade credit card of {$3700.00}. I went to the website to schedule a payment for XX/XX/2022 ( the bill is not due until XX/XX/2022 ). The company will not allow me to make a payment before XX/XX/2022. 

When I called and asked why, I was told that because I have auto-pay on I can not make a payment before the auto-pay runs on XX/XX/2022. I was told that this is so people do not make double payments. 

However, what this actually does is make it so I will be charged 26.94 % interest on the portion of the balance that isn't paid off with the {$110.00} monthly payment. I could avoid that interest if they allowed me to make the payment now. But they will not do that.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have denied a new bank account on XXXX because of an account at BMO Bank having been reported to XXXX. I never opened an account at BMO Bank and this account is fraud. I have called many times to BMO Bank but they are not able to help me. This is very frustrating because I am just a college student and have no access to a bank account. I ask that you please look into this so that I can have a bank account. I have put my personal info below so that you can quickly locate my account. When I called BMO Bank they refused to provide me a bank account number. 

My personal info ; XXXX XXXX XXXX XXXX : XX/XX/year> SSN # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed. 
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: Credit reporting or other personal consumer reports

I am resubmitting this complaint because I was told that I did not provide supporting documentation I now have sufficient and supporting documentation that proves that the following inquiries that are being listed on my credit report and fraudulent and I am requesting that they be removed immediately XXXX XXXX XXXXXXXX EXPERIAN XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Could you please remove these inquiries? I have no familiarity with them, and they were conducted without my consent.
Product: Student loan

I originally borrowed {$100000.00} from Sallie Mae, now Navient. 

Over nearly XXXX decades, I have paid Navient {$130000.00}. 

Today I owe {$100000.00} I was victim to the Navient Forbearance Scam that was settled with XXXX states. However, because I live in XXXX, I was not allowed any remedy. Instead, I have watched my interest rates fluctuate regularly, with some now over 10 %. 

Even more frustrating when I consider that Georgia was part of the settlement - a state where I lived during college, when I borrowed this money, to attend the The XXXX XXXXXXXX XXXX XXXX and Design. 

Early on, after graduating college, I had difficulty making the high payments. When I asked for an income based repayment program or to pay what I was able to afford, I was refused, required to pay a Forbearance fee that did not apply to my loan, and all of it was tacked back on. This happened multiple times, exponentially adding to my loan early on, which has no ballooned beyond comprehension. 

I have been a good citizen and customer here. I have paid far in excess of what I borrowed, yet, I've reduced my principle by less than {$2000.00}. 
I don't know what to do. I have contacted lawyers. I have contacted the Dept of Education. I have previously filed a complaint with he CFPB on XX/XX/year> ( ID # XXXX ), but was soundly rejected. 

Please, help.
Product: Money transfer, virtual currency, or money service

Hi there, My complaint is about Square ( the payment processing platform ). My college roommate and I started a XXXX XXXX about 5 months ago and we have done everything completely by the books. We have all of the proper licensing and insurance. We opened a square account on or around XX/XX/23. Square allowed us to set up an account and start receiving payments. We then got an email on XX/XX/23 that our account had been permanently deactivated. When we called support, they said they could not provide any reasoning and that they are holding our funds for 120 days. They also stated that we could set up a new account with a new email to fix the " problem '' that they could not disclose. So, we set up a new account, and again started taking payments. Our second account was set up on XX/XX/23. We then got an email today XX/XX/23 stating that our account has been permanently deactivated and that the {$1000.00} + dollars in payments that we received are being held for 120 days. As a small business this is devastating to our cash flow. Not only did they mislead us by saying we could create a new account to fix any issues, they allowed us to receive payments in both accounts BEFORE telling us that our account is deactivated. I called once again to find out why our account had been deactivated, and, once again, they stated that they could not give me any reason. So now, our business will suffer financially while they accrue interest on our hard earned money. Why do they have to hold our money for so long? Why do they not offer a reason? A simple search on XXXX or XXXX will lead you to find thousands of cases just like mine where square has shut down a small business account and withheld their funds without reason. Many of these businesses end up going bankrupt because of this predatory practice. PLEASE help put a stop to this.
Product: Checking or savings account

I had a {$21000.00} CD with Capital One Bank. I asked that the CD funds be returned to me when the CD period ended, on XX/XX/2020. They have not returned my funds to me. I have spent about 6 hours on the phone with the bank. They initially told me the funds would be transferred into an account I have at the bank ; then that the bank was incapable of transferring the funds to an account at their own bank ; then that a check had been mailed, then that a check had not been mailed but would be and I would receive it in 7-10 business days. I still don't have my funds. They are now asking me to submit an affidavit, attesting to the fact that I have not received the funds, however, they have not provided me with the form of affidavit or where to send it. I now must retain an attorney and commence a legal action, which will likely cost me thousands of dollars and take an extended period of time. All of this to obtain funds I deposited with this bank in the naive belief, I guess, that it would be simple to recover these funds when my CD period ended. I am not a conspiracy theorist, but I have come to believe the bank is intent on simply stealing my money. And I am a sophisticated consumer, with a XXXX XXXX. I can't imagine what this bank does do people with fewer resources. Nor is this some minor fly-by-night operation. This is Capital One Bank!

The only way to communicate with Capital One Bank is by phone. The average hold time is 25 minutes. I asked to talk to a supervisor. The hold time was 50 minutes. The bank sent me a letter telling me my CD had been redeemed. But they have not sent my any of my money. 

My name is XXXX XXXX. My email address is XXXX. My phone number is XXXX. My mailing address is XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The last four digits of the CD are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in my reports I have spoke to many representatives and now waiting on a supervisor How is this happening to me I'm a victim of identity theft i've sent my police report and filed with identity theft and ftc and nothing is being done they keep sending stall letters and not properly investigating. It's no way possible they are investigating because these companies can't have any information on me. 

I need help XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraud accounts
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. XXXX 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 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been contacted about an error by XXXX reporting a repossession on my report that he as cost me jobs, newly opened acvounts, not to mention hurt my business. 
This account I gave called Equifax Supervisor and Managers but it's still reporting as correct and updated with my name.

This violates my FCRA Rights and a Fraud Alert was attached to my credit report. 
The Online Equifax Lawsuit that was filed against Equifax stated when I enter my Social Security number and personal data that I was included in the Class Action Law Suit but haven't received but deragoratory, negative information pertaining from Equifax. Corona Virus Equifax has been contacted time and time again but they keep me in hold for 45 minutes then hang up I call back nothing after long  hold times and after 30 days. Another potential creditor told me that Equifax is reporting this false accusations and account against my credit report hurting my buying ability and credit score. My credit score is in the 500 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with XXXX and their representatives are completely incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I leased a XXXX I paid it off owing XXXX XXXX in XXXX, all 3 credit bureaus have me owing a balance of {$5200.00} I have reached out to all 3 Bureaus several times XXXX removed the debt & put it back in my report a few months later..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I am a victim of identity theft. I have contacted Equifax several times and send in FTC reports to ensure that that they have all the information as it pertains to me. I am being a victim Over and over again. Equifax refuses to remove these accounts and the creditor still says that it is mine and sends me a copy of a statement as proof. How can a statement prove that this belongs to me? I have had my taxes taken by fraud, my bank account taken, bank account opened everything and no one at Equifax wants to help
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XX/XX/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 Pursuant 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon the consumer report being fair and accurate. Reviewing my consumer report I discovered that my report is reporting inaccuracies, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished. And I was never notified when during your companies initial investigation that this was going to report this information pursuant to 15 USC 1681 ( a ) ( 1 ) this grave error has undermined my confidence and trust in your companies.

I have given the credit bureau 90 days for investigation and haven't receive any proper remedy for the errors that occurs on my account. I have properly contact the credit bureaus along with the company that initially used my credit card without my permission.