23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

i bought 2 money orders on XX/XX/2020 to pay my XXXX rent and sent them in the mail to my landlord. My landlord contacted me at the end of XXXX and informed me she never received the money orders. I then found my receipts for them and contacted Western Union and they informed me that they were never cashed. They told me what i needed to do to get a refund check sent to me so i can pay my rent. I filled them out and sent them in to Western Union. After not hearing anything back from them i called in mid XXXX and they informed me they sent a refund check out but it did not go to me or my address. After speaking to numerous supervisors and customer service reps i have gotten no where they informed me to email my documents again and they would escalate the issue but still almost 2 months later and i still do have a refund check for the XXXX dollar money orders i purchased. Which means somewhere there has been fraud committed because someone had to have altered the refund information to be able to issue a check out that was my money to someone else. I am needing help to recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent accounts in my report but I get no response from either creditor nor the bureaus. The problem is still there and nothing has been done to address my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Product: Mortgage

Entered into a refinance transaction with PennyMac who currently holds my mortgage to get out of the current FHA loan and into a conventional loan and either remove or greatly reduce the mortgage insurance. Once the appraisal was completed, I reviewed and was shocked at where their appraiser came in at for the value. I work in the mortgage industry and have reviewed appraisals for 15+ years and knew the reconciliation was deeply flawed. Normally even though there is appraiser independence post mortgage melt down, a Lender 's internal appraisal department has the ability to review an appraisal and change the value used for lending if there are flaws in the appraisers result. PennyMac would not review and only sent my rebuttal to the appraiser who of course did not change his value conclusion and still did not provide justification for his value at the extreme low end of the market and his commentary actually supported the higher end of the market and his adjusted values for both closed sales and listings supported higher than his ultimate value. I even provided XXXX comps that were pending sales at the time of the report and also supported at least the middle of the value range if not the higher end. This is an issue for consumers especially with the resulting payment when compared with the fees and increase in principal at the end of the proposed transaction left no benefit of refinance. If I had not been in the industry I may have still proceeded with the transaction instead of cancelling as I did and been in a much worse position as the Rep never brought up the discussion on whether the new loan was still worth it with the much lower than anticipated value that left the LTV over 90 %. The only proposition brought up was to bring in {$4500.00} to pay down the principal to 90 % LTV which would lower the payment by less than {$100.00} so the money brought in would take at least 4 years to recoup and therefore makes no sense. I will attach a full breakdown of the assessment and flaws in the appraisal later in this process, but the lack of making sure the customer is put in the best position because not every appraisal will be acceptable while most are and the lack of guiding the consumer to the best situation for them financially is concerning if this were to happen to someone without industry knowledge or not financially savvy. It appeared they were just looking for a new transaction any way they could get it and if not they still held the servicing for the mortgage so either way PennyMac was set while the consumer was not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect address and several fraudulent accounts that appear on my Transunion credit report. 

My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX However, my credit report lists an address that I have never lived at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX 

Fraudulent Accounts Additionally, there are several fraudulent accounts reported on my credit report. The accounts in question are as follows : XXXX. XXXX XXXX XXXX XXXX Account Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$3100.00} XXXX. XXXX XXXX XXXX XXXX Account Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$26000.00} XXXXXXXX XXXX XXXX XXXX Account Reported XXXX XX/XX/year> Status : In Collections/Charge-off Balance : {$990.00} XXXX XXXX XXXX XXXX Loan Reported : XX/XX/year> Status XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXXXXXX XXXX Reported : XX/XX/year> Status : In Collections/Charge-off Balance : {$2100.00} I have never opened any accounts with XXXX XXXX XXXX XXXX or XXXX XXXX, and these accounts are a result of identity theft. Please investigate these discrepancies and remove the incorrect address and the fraudulent accounts from my credit report. I have included a copy of my credit report highlighting the errors, a copy of my driver 's license, and proof of my current address to assist in your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a GA tax lien on my credit report sinc e  X/2011  in  the amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies.  (   XXXX , Experian and  XXXX   ) but has not been done.The GA State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court said  they do not also. I tried to pull my name up on     XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.     This is affecting m y credit score signifi cantly and I desperately need help getting this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, im filing this complaint because experian is violating my rights, I have accounts on my credit report that was open due to fraud, my information was exposed in a data breach I have sent documentation to prove Im a victim of identity theft and experian has refused to acknowledge my complaint has ignored it, i will seek arbitration and sue experian if they do not comply with my complaint and evidence, they damage my name by protecting these companies that has illegally used my information to open these accounts in my name I want these accounts removed I do have a police report proving that my information has been used and my signature forged on accounts, XXXX XXXX XXXXXXXX XXXX XXXX accounts for XXXX, XXXX XXXX XXXX XXXX credit card, these companies has used every piece of information i XXXX recently sued XXXX for leaking my information on the dark web and my information was compromised, I have documents to show even the us government did an investigation and sent my a letter stating I was a victim of identity theft and still this credit reporting agency is ignoring the fact my identity was stolen and being used. Either they take these accounts off or will seek a demand for arbitration an sue experian, experian sends contradictory information to my email, I want these accounts removed from my report I have proven Im a victim of identity theft and I will keep these complaints to show that experian is failing to protect my information, they already had a data breach and exposed my information, if these accounts are not removed I will start the process for arbitration, now remove these accounts and stop sending emails asking for the same information I send through Consumer Financial Protection Bureau, please investigate experian they have denied my rights and they protecting these companies that have used my information for gain, please investigate, experian do your job .not excuses I am a XXXX, no where on these documents show XXXX, thr XXXX XXXX XXXX has to consider me XXXX  because me and my dad have the same name, these accounts do not specify my suffix i sign my name as XXXX  to keep my information from being used or identity stolen, unfortunately XXXX and XXXX XXXX has leaked and compromised my information Im also sending a letter from theIRS showing that Im a victim of identity theft, my information was used in XXXX of XXXX, a scammer over in another country used my information to try to defraud the government out of thousands of dollars, now I have to use a identity theft pin so the IRS knows its me filing my taxes Experian contradicts them selves by sending me information asking me to send them that would remove these accounts and says XXXX thing but means another my information has been compromised this information is enough to remove and block any of these accounts, I have substantiated my case of identity theft now remove these accounts and stop violating my rights under federal law i will sue if this continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX  and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and i am writing this complaint because i recently pulled my credit report and was astonished that there are many unauthorized accounts that are reporting negatively. I did not approve or consent to these accounts. I have called all XXXX credit agencies TRANSUNION, EXPERIAN, EQUIFAX about my complaint for investigation and removal and they refuse to help. My credit profile is suffering due to this and i am a mom doing my best to raise my family leveraging my credit and my credit is poorly affected due to these negative accounts. I have listed the accounts below i need HELP please. 

XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted Equifax to tak e a Chapter   XXXX  bankruptcy off my report because i t 's over 7 years old. It  's actually over  10 years old fro m the original date. My ex-wide actually filed it and changed her mind and so it was dismissed with no accounts in bankruptcy! I 've asked them to remove this from my report because it 's so old and   XXXX   and   XXXX   does n't have it reporting at all. They also placed a date on it dating in  XXXX / XXXX /  XXXX   which means they are going to try to report it longer.   I received a letter in the mail asking/ stating that I could be apart of a class action lawsuit agains t Exquifax  regarding this bankruptcy reporting on my Equifax report. And I 've been research ing Chapter   XXXX  bankruptcy and every site says they usually only stay on credit reports for 7 years and it has been 10 years for this  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.
Product: Debt collection

on my credit report saying this was just open and that is not true. 
this was open in XX/XX/XXXX and was closed XX/XX/XXXX this company has changed the dates on this account and was also going by another name go by XXXX XXXX XXXX on credit report also for the same amount same bill number XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting

I have XXXX chapter XXXX bankruptcies on my report : XXXX that was filed in XX/XX/XXXX & XXXX that was filed in XX/XX/XXXX. Both of them were dismissed. Chapter XXXX 's are deleted from your report after 7 years. However, Equifax refuses to remove them stating that " dismissed '' Chapter XXXX 's are to stay on the report for 10 years while " discharged '' Chapter XXXX 's are removed after 7 yrs. They will not allow me to open a dispute for it because according to them that is the law.
Product: Mortgage

Sls or Specialized Loan Servicing is the Servicers of my Loan! Do to the global pandemic I was forced to take a 90 day forbearance which they further extended to another 90 days totaling 180 days! I was required to file an RMA for a repayment plan! On XX/XX/2020 I was denied any repayment plan because my loan was not within 90 days! I contacted the sls to inquire about the denial and no one could answer my questions or was rude telling me submit a letter in writing we cant give that information over the phone. We have required help in passed and SLS has always been helpful, now during the pandemic they are refusing to even help and denied me on 12 tier of assistance! We were affected by covid and income lose! No one foreseen the pandemic happening and now my mortgage servicer Isnt helping us at all!
Product: Payday loan, title loan, personal loan, or advance loan

I used this for XXXX purpose and got the loan been paying sometimes I run days behind on payment but have always made the payment last few months have been eventful as the bank card I use to make payments was scammed so had to get another one I was not informed any issues were thrown at me but I learned from the company today ( XXXX ) thaty account is suspended the chat agent wouldn't explain this answer but kept telling me to refere to the license agreement I asked on XXXX separate occasions for full chat transcript to be emailed to me and I was answered I need a power of attorney to obtain that. And then they left chat and took the chat transcript with them
Product: Credit card or prepaid card

Two fraudulent charges were made to my XXXX debit card. These fraudulent charges were from 2 XXXX orders in XXXX XXXX, CA on XX/XX/2020 and XX/XX/2020, totaling {$160.00}. I have never been to XXXX XXXX. I called in twice to Bank of America by dialing the number on the back of card ; I have not been able to reach anybody from the Claims Department that can help me dispute these charges and get my money back. I have checked all of my past orders from XXXX  to make sure that I was not mistaken, and I am able to confirm that the 2 charges need to be disputed. They DO NOT MATCH UP to what I have in my order history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt on my credit report from walmart XXXX bank that is supposed to be showing as a XXXX balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/XXXX  bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after various formal certified mail disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false debt. 

US DEPT OF EDUCATION ; Amount : {$9800.00} Date opened : XX/XX/XXXX. 
XXXX XX/XX/XXXX ; Amount : {$1900.00} Date opened : XX/XX/XXXX. 
DEPT OF ED/XX/XX/XXXX ; Amount : {$5500.00} Date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting denied credit and loans, because of the false and misleading information that is being reporting by the 3 credit bureaus. I start writing and disputing these items online and through the mail since XX/XX/XXXX. While studying my right under the CFPB, I learned that the 3 bureaus pursuant to the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I sent each bureau the same letters, requesting my file. They were discrepancies across the board, a lot of inaccuracies with my name, addresses, creditors, balances, and utilizations. After receiving numerous adverse action reports, they all kept repeating the same information. So, I started auditing and disputing the Accuracy, Fairness, incomplete, and privacy on my credit report. Equifax and XXXX compiled to my demands and either deleted or changed the adverse marks to the favorable marks that they were supposed to be. The only one that is not following is XXXX, they keep sending correspondence in the mail. Saying that they did an investigation, and everything is right and updated. 

I have written XXXX and they received my letters on XX/XX/XXXX, and XX/XX/XXXX. I've requested that XXXX provide the evidence of the investigation and reinvestigation. To provide Who they called, who they spoke to, names, addresses, and times. I told XXXX in my letters that no one in my family never got a phone call, I, personally never got a phone call. I asked my next-door neighbors, and they were never contacted, so I would like to know who they did the investigation with? Times are hard and I've been denied numerous times this week for loans that would help me and my elderly parents with food, healthcare, and gas to get them around to their appointments. this has brought on a lot of stress, bitterness between me and my spouse and lack of confidence in the government. I have requested the follow from all XXXX bureaus and XXXX Is the only bureaus that has not complied. 

Inquires deletions - XXXX XX/XX/XXXX - XXXX XXXX XXXX Bank XXXX XX/XX/XXXX - XXXX XX/XX/XXXX- XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Utilization to 3 % - XXXX  XXXX - XXXX XXXX Bank XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX LATE PAYMENTS/COLLECTIONS DELETED - XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX ct Opened XX/XX/2017 Balance XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was issued a {$100.00} conditional payment credit since I had mailed in a money order but CitiCards never received it, so I made a payment of {$120.00} on XX/XX/XXXX towards the {$110.00} Statement Balance for XXXX. 

When the XXXX Statement generated, I had a Statement balance of {$41.00} due to the conditional {$100.00} credit, but then I paid a total of {$140.00} on XX/XX/XXXX, which would have covered the {$100.00} conditional payment credit. 

On XX/XX/XXXX, Citi reversed the {$100.00} conditional payment which shows on the XXXX Statement, but I feel it is an accounting/journaling error which is not reflecting the {$100.00} payment made on XX/XX/XXXX, and I feel that my XXXX Statement should only have been {$30.00}. 

I have spoken to several Representatives at Citi and informed them that it may be a journaling/accounting entry error which may have to be resolved on the back end but haven't been able to get anywhere,