23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. By notifying you my credit reporting should be repaired as soon as the fraudulent items are dealt with. Please remove the following : XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX : {$100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$690.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Mortgage

My husband and I are writing to inform anyone and everyone about our predicament. In 2006 we refinanced our home with our " financial advisor '' who obviously swindled us into a deal that we can not get out of. We have tried working with our loan servicing company at least 2 times to get a fixed, lower interest rate and were always denied. So unfortunately, we decided to pay XXXX XXXX XXXX XXXX {$3000.00} because they guaranteed that they could help us negotiate with OCWEN. Another swindler. We are in an upside down mortgage and just wanted to lower our interest rate and make it fixed! 
Why are good people like us continually running into this issue? We pay our bills on time and have never missed a house payment, although others have advised us to stop paying the house payment so that we can get help, and because of that, we can not get a simple, permanent reduction in our variable interest rate. Is this legal? Certainly it is n't ethical! 
After XXXX agonizing months, with us repeatedly sending OCWEN our documents, they denied us again. Why does this keep happening to us? Because they want our money and because we can pay so that means that we do n't deserve a break? 
So after returning from being with my sister for 2 months who is currently undergoing XXXX for XXXX XXXX, we tried to get help from XXXX XXXX. The man was helpful and quite nice, but after XXXX minutes we found out that they can not help us because our original loan was not financed through Fannie Mae or XXXX XXXX. So for this reason, we do n't qualify. Is this our fault? Is there nothing that we can do to just get a fixed, lower interest rate??? 
So I would love to know if there is anyone, anywhere, who can help us? We just found out within the past 2 weeks that my husband 's income will be reduced by {$5700.00} a year because our legislators took money away from the most vulnerable people -- the children. He is a XXXX in a XXXX XXXX school and has been receiving that money for working an extra hour of instruction each day but because his school population has only 85 % free and reduced lunch, they no longer qualify for this benefit of an extra hour of instruction. This happened to XXXX out of the XXXX schools that have this XXXX XXXX hour. Since I am a retired XXXX and am on social security and my retirement pension, that is a big chunk of change coming out of our pockets each month. But did our legislators care about robbing our students of a quality education just because they are n't poor enough? Really? So now just at his school, that 's about XXXX teachers that will lose that money in a time when the prices of everything goes up but their salary. 
Just like the children fall through the cracks, now we fall through the cracks because we do n't qualify for any kind of help. Every time we try to get help, it is a draining process both physically and emotionally. 
We believe they have NO motivation to help us because they will lose our hard earned money and we always pay our mortgage payment.
Product: Credit reporting or other personal consumer reports

I just checked my credit report and noticed an inquiry from your company that I dont remember authorizing. Its frustrating because its affecting my credit score, and I really need this taken care of.
Product: Money transfer, virtual currency, or money service

Ok XXXX a company I dealt with briefly disputed a transaction I said was unauthorized. The bank on several occasions have referred to me as a liar, saying they refunded me, etc. XXXX simply wanted to know what happened to the transfer they sent me because Chase closed my debit card. The customer service representative at the branch and over the phone said this account is closed. That's what the notes said. I Never authorized them to close my account. XXXX was trying to make right what was an error on their end. Chase removed {$760.00} from me saying the merchant had paid me. No boo boo ... look at the dates of the email and my statements. Chase is dead wrong. I have had nothing but problems with them. Nightmare. Everyweek it's something new. XXXX is not lying because I have proof that it was sent. So where is my money???
Product: Student loan

In a nutshell, XXXX in-house collections agency committed fraud by lying to the Federal Government in order to procure my federal tax refund. In XXXX of XXXX, after I became unemployed, I called XXXX to set up a payment arrangement for my defaulted student loans. Being unemployed, I could only set up a minimum payment of {$5.00} at the time. I was told by the supervisor ( who refused to give his name ) that amount was unacceptable. I told him I could not afford anything more, to which he replied that they would just submit a wage garnishment to recoup payment. I then informed him that I was unemployed so a wage garnishment would be a moot point. This upset him. I also asked to only be contacted via USPS, because I was tired of their repeated calls daily ( upwards of 5-6 calls daily ), which angered him further. I again offered the $ XXXX/month payment, he again refused it and said there were other ways to get me to pay and ended the call. Fast forward to XXXX of XXXX, and Im due my federal tax refund. On the day it was to post, it was offset by XXXX, in the amount of {$3000.00}. I called to inquire about the offset, and was told by the representative ( XXXX ) that the offset was entered at the end of XXXX due to failure to make payment arrangements with the collections agency. This is where they committed fraud! I did try and make payment arrangements, the collections agency refused the amount. They then told me that I had to contact the collections agency again to set up a payment arrangement. So I did, and was placed on their rehabilitation program where I am required to make ... wait for it ... a payment of $ XXXX month! The EXACT SAME payment I tried to make in XXXX. The collections agency LIED in order to procure my federal refund, which Im pretty sure is illegal, hence my use of the term fraud.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Credit Information under 15 U.S. 1681e ( b ) and 15 U.S. 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to dispute the following inaccurate information in my credit report. This information does not belong to me and is damaging to my credit profile. 

The disputed account information is as follows : - **Account Name : XXXX XXXX XXXXXXXX - **Account Number : ** XXXX - **Account Type : ** Unsecured - **Responsibility : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Original Balance : ** {$270.00} - **Terms : ** 12 Months XXXX XXXX XXXX Payment History Discrepancies : - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXX : ** 30 days past due - XXXX XXXXXXXX : ** 60 days past due - XXXX XXXX : ** 90 days past due This account and the associated negative payment history are inaccurate and are not reflective of my actual payment record. 

Under 15 U.S. 1681e ( b ), it is your responsibility to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, per 15 U.S. 1681i ( a ) ( 5 ), I request that you promptly delete this inaccurate information from my credit report. 

Please conduct a thorough investigation of this matter and delete the inaccurate account information immediately. Enclosed are copies of documents supporting my position ( e.g., statements, correspondence, etc. ). Please notify me in writing of the results of your investigation.
Product: Credit reporting or other personal consumer reports

The TransUnion web page XXXX XXXX XXXX XXXX XXXX  for placing Fraud Alerts on my TransUnion account has been non-functional for more than 6 months.

I've called them about the issue, but I still can not place/extent our Fraud Alerts on their web site. I was only able to do so by calling them. I've told them about the issue and the web page is still not fixed. See the attached picture that shows the broken page. It has been so for more than 6 months for me.
Product: Debt collection

I've disputed the following account since XXXX. 

( High Mountain Financial ) Original Creditor ( XXXX XXXX XXXX Bank ) Please note that this account is not being reported on XXXX or XXXX And is only being reported on XXXX. 

This is a violation of federal law. 

I've sent a dispute letter challenging the report of this account This account can not be fully verified by either XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. A violation of federal law.
Product: Bank account or service

I am a XXXX parent and there was a person disguising himself as a parent looking for housing for his daughter while attending school in California. I have worked with XXXX within the past three months, so I did not think this person would send me a fake check, I deposited it the bank, so it did not clear with my bank HSBC. The manager of the branch with HSBC closed my checking account and reported me to a XXXX agency, which will destroy my chances of getting another checking account. Also, I had been trying to get an overdraft account with HSBC, but they would not allow me XXXX, even though I had direct deposits of over {$5000.00} put into my account every month. They just continued to charge me overdraft fees which totaled over {$790.00} so far this year in 2016. The bank manager is practicing discrimination and is ruining my credit. At this point, I only wish to have my name removed from XXXX because this situation with a criminal embezzling money from my checking account was at no fault of my own. Also, the {$790.00} that HSBC would cover some of the loss, and they would not even investigate this fraud - the manager just reported me to XXXX.
Product: Money transfer, virtual currency, or money service

BE ADVISED, I AM NOT A CHASE BANK CUSTOMER so they are limited in what they will provide me, My lawyer who is the sender of the transfer, is getting the same infomation I have recieved, CHASE has advised him that I would need to file a claim with XXXX XXXX. 

On XX/XX/XXXX I recieved a wire transfer from my lawyer via CHASE BANK to my savings account with XXXX XXXX which was a settlement from an auto accident. At or around XX/XX/XXXX the remaining funds from my settlement was frozen, I was able to see the funds in my account but was unable to access said funds. I went to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, TX XXXX and spoke to a banking rep, I was told that the funds were " ON HOLD '' for possible fraud, and the investigation would take up to 90 days to be completed. 
XX/XX/XXXX the money was eradicated from my account completly, meaning I could no longer see the frozen funds on my account, I spoke the online banking rep who informed me that those funds were sent back to CHASE BANK and CHASE would have to re-distribute funds back to me via the original sender. I asked for a tracking number of the funds that was sent back, I recieved the tracking XXXX number showing that the funds were indeed sent back to Chase. 
On XX/XX/XXXX CHASE BANK states that the funds were recieved and that the funds would be released to my Lawyer who was the original sender of the wire so that he may re-distribute the funds to me which would take 5-7 business days to be released. Funds were not released, and nothing transpired till XX/XX/XXXX, CHASE NOTIFIED my lawyer that the funds were sent back to XXXXXXXX XXXX because the account that was affilated with the wire transfer was closed. 
I have asked for a confirmation number showing that the funds were sent back to XXXX XXXX, I have not recieved any information as of yet, CHASE is advising me to open a claim again XXXX XXXX for the missing funds, XXXX XXXX is asking for the XXXX CONFIRMATION OF FUNDS SENT. I need CHASE bank to show proof that money was indeed sent back to my XXXX XXXXL ACCOUNT.PLEASE ASSIST
Product: Debt collection

I found about the debt on XX/XX/2020 Via my credit monitoring service. I immediately reached out to the collection agency and original creditor. Upon speaking with the fraud department of the original creditor they verified I never had an account with them. The collection agency credit management also verified they did not have the correct person I notified them I was victim of identity theft last year but they refused to remove the credit entry in my report.
Product: Credit reporting or other personal consumer reports

I have information on my credit that is affecting my credit that isnt mines. I received a letter that information was leaked in a data breach
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
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
Product: Mortgage

On XX/XX/2022 I called Truist Customer Service to request my PMI payment be removed. I had received correspondance from Truist and other lenders stating that my property value had increased and was able to take cash out of my home. I DID not want cash out but to me this meant that my PMI could be removed. The customer service representative instructed me to submit a request via their on line Chat option which i did on XX/XX/2022. On XX/XX/XXXX I received a letter from Truist DECLINING my request stating I did not have 80 % Loan to Value. However, the letter stated they had completed an AVM and the AS IS Value of my property was XXXX my unpaid principle balance was ~ {$520000.00} which means my LTV is 68 % which is WELL below 80 %. The letter for the decline said my LTV was 92 % ... the calculation did not add up. I called customer service, was on hold several minutes, she validated the letter and the AVM and Unpaid principle balance noted in the letter and recommended I send an email dispute to " XXXX '' I sent an email as directed. On XX/XX/XXXX I received a more than rude reply that stated " there is nothing to dispute '' and told me I would receive a letter, which I noted in my email that I had already received and was disputing... a copy of the email correspondence is attached to the bottom of this form complaint. If it were not COMMON knowledge that the average property value in the US has gone up 40 % and even more in XXXX XXXX XXXX where my property is, then I could see maybe they would want to do a BPO, however, the value in the AVM is more than sufficient to prove my property Loan to value is substantially less than 80 % ( the AVM is as is value ) Not only is the customer service unacceptable, the lack of accuracy prior to sending me the letter is unacceptable. Bottom line is my property is LTV is substantially less than 80 %, my investor is XXXX and this is clearly an abuse of my rights to have the PMI removed.
Product: Money transfer, virtual currency, or money service

I started using Freedom Debt Relief on XX/XX/XXXX. 
I closed my account with them on XX/XX/XXXX. 
I believe I've been charged fees for debts not settled and other extra fees. 
XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) unsettled debt, XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXX ) XX/XX/XXXX, ( XXXXXXXX ) Claimed they had settled a debt on XX/XX/XXXX, and charged me a debt settlement fee of XXXX. On XX/XX/XXXX, I found out that it had never been settled. I asked for a letter stating that the debt had been settled. FDR sent me a paper twice but it wasn't proof of settlement. The third time I called them, I was given a hard time. These fees and a lot of other smaller fees were charged to me also. I really feel like this company was deceptive to me when I signed up for the program. I would never suggest this to anyone else.
Product: Debt collection

Recently I checked my consumer report and noticed a collection from a company I never contracted with nor have i extended any credit with or done any business with at all. They are claiming I owe an alleged debt that I do not owe. I am fully aware that my consumer rights have be violated under the FCRA and FDCPA and would like all information be removed from the consumer reporting agencies and cease all communication and attempts to collect alleged debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection/charge off on my credit report. I've sent them several letters asking who is the original creditor. I have not received anything telling me who is reporting this negative information. I'm not even sure this belongs to me because they will not send me information regarding this negative information.
Product: Debt collection

A company keeps calling my distant relatives weekly harassing them by calling early hours of the morning trying to reach me. I've called them to ask them to stop and they continue to do so. I have taken down their contact information and I have screenshots of the texts from my relative complaining to me about it. I would like it to stop, as I understand it, it is illegal to contact 3rd parties for something of this nature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning to whom it may concern I am submitting an Complaint that I have with XXXX  and Experian regarding XXXX XXXX account balance {$2300.00} this company is trying to collect a debt that I have disputed time and time again with them and the bureaus, along with the original furnisher of debt XXXX XXXX. However it always came back as verified with Experian saying they would no longer investigate since there is no additional info. I then sent debt validation letters to XXXX XXXX and XXXX XXXX and all that was sent was an account summaries. This is not a accurate or acceptable means of justiying debt per the Fair Credit Reporting act. And with them not providing any instruments of indebtedness, ie original forms of signature, electronic signature or voice recordings. They have to delete. Please hold them accountable and have them delete this off of my credit profile thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$160000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to Experian more than 30 days ago, still haven't heard from them and the inaccuracies are still showing on my consumer report, due to this fact I have been discriminated/denied for several extensions of credit and a mortgage. These inaccuracies are hurting my livelihood, therefore I demand for Experian to delete of all these inaccuracies.
Product: Credit card or prepaid card

XX/XX/22 - Purchased food from XXXX XXXX for {$99.00} XX/XX/22 - Duplicate charges shown on card for {$99.00} XX/XX/22 - Called Navy Federal Credit Union to dispute duplicate charge XX/XX/22 - Messaged & called merchant and they provided screen grab only showing XXXX charge on their account- the issue is on the Navy Federal Credit Union side XX/XX/22 - Called Navy Federal Credit Union again to resolve the issue but they advised to wait while their dispute department reviewed the claim XX/XX/22 - Visited Merchant in person to cancel the charge completely on the Navy Federal Card and paid with my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX Called Navy Federal and messaged copies of the cancelled item and confirmation receipt of different payment method XX/XX/22 - Called Navy Federal Credit Union again - will not issue a refund XX/XX/22 - Received message from Navy Federal that they are closing my claim since they show a credit of {$99.00} -- still outstanding charge of the duplicate charge for {$99.00}
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting

I 've previously disputed the account below with XXXX XXXX. This is not my account. They are falsely " updating '' the accounts in efforts to report it on my credit report. XXXX XXXX previously removed this fraudulent account from my credit report only to re add it again, causing my credit score to drop XXXX+ points initially, and updates and reports it monthly causing an additional score drop! This is not my bill. I did n't live in CA during this time, I was in the state of Maryland. I pay all my bills. I filed a police report ( REPORT NUMBER : XXXX ), I 've done everything requested, yet they only remove it temporarily, have it added back and cause further damage to my credit reputation? It used to say it was going to fall off in XXXX, now XXXX? What kind of business practice is this?
Product: Debt collection

Company keep calling violating my rights. I didnt give no one permission to share my personal information and calling my phone is in violation of TCPA and I didnt give them permission or authorization to call me and now its time to compensate me for harassment.
Product: Payday loan, title loan, or personal loan

On Feburary XXXX, XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX. XXXX, Explore Credit debited {$150.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.