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

XXXXXXXX XXXX has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct.
Product: Debt collection

I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who it may concern I would like to report several violations against me. There are some errors and its been over 60 days and I haven't heard anything back. I also sent another letter and have not heard anything. I sent all the letters certified mail and have the delivery receipts to prove that they received my letters this is a violation under 15 U.S.C. 1692g. I demand the violations be addressed and deleted from my credit reports.
Product: Debt collection

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

IMPROPER USE OF PERSONAL INFORMATION UNDER THE FDCPA GUIDE LINES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to discard 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. Please remove the following accounts right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX
Product: Checking or savings account

USBank refused to allow my SBR fund check into their Financial institution on XX/XX/2020
Product: Debt collection

On Thursday, XX/XX/2019, I used my XXXX card issued by XXXX XXXX XXXX for the online purchase of clothing from the merchant XXXX XXXX. The amount of the purchase was {$150.00}. Immediately after purchase, I noticed I had ordered two of the same items twice. I emailed XXXX customer service and informed them to remove both duplicate items and refund me accordingly. Upon delivery, I noticed both items where indeed removed from the order, however, no refund was granted only store credit which is unacceptable. I filed a dispute with XXXX for items missing. Secondly, every other item was entirely too small and not the size advertised. On XX/XX/2019, I returned the entire order back to the merchant via XXXX the delivery confirmation number is XXXX. The package was accepted by XXXX so the refund request was attempted, however, unsuccessful. I received an email from the merchant indicating that a Paypal dispute case was opened by XXXX preventing the refund. I have no idea why the bank decided to involve Paypal by attempting to act as a debt collector, however, I did contact Paypal personally and informed them that my debt to them was resolved through bankruptcy. I provided them all supporting documentation. At that point, Paypal has restored my account, however, I'm still routed to collections every time I reach out to them on the status of the claim. To this day, I have not received a refund and all communications with the XXXX as well as Paypal are unresponsive. The merchant is blocked from refunding me as promised, Paypal is not entitled to collect on the debt, and I am out of {$150.00} by XXXX 's decision.
Product: Payday loan, title loan, or personal loan

Hi, my name is XXXX XXXX in which there is a Onemain secured loan on my XXXX credit report that I did not apply for and my identity was compromised. An ex-spouse had stolen my identity to apply for this Onemain loan in which I didn't find out about this until a few years later when it hit my credit report as a collection. I didn't know that you were able to dispute debt and paid off this charge off in one big bulk payment in panic and uncertainty. This loan was opened in XX/XX/2016 and if you go through my records there have been no payments from any financial institution in my name and this is not my account neither does it belong to me. This was fraudulently opened in my name and I would like Onemain financial to remove this debt/loan that I never took out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I first sent all documents with proof of my issue to Vanilla gift card on XX/XX/2023. The card was missing four digits and therefore could not be used. The card also did not work in stores when I attempted to slide it in a card reader multiple times. I first called requesting that Vanilla give me a full refund of the {$100.00} that is on the card, but they said that they could only send me a replacement card. I agreed to the replacement card, but it has been a lengthy process to actually get it. I've spoken to supervisors on at least three occasions and each time they have escalated my case to no avail except for one instance when I received an email on XX/XX/XXXX saying that my card was activated. This was frustrating because my card was not functional, so it being activated made no difference. I then called Vanilla again and spoke to a supervisor who said that my case was being escalated and that I should receive an email confirmation updating me on the replacement card in XXXX hours, but I never did. I finally called again today XX/XX/2023 and was told the exact same thing.
Product: Credit reporting or other personal consumer reports

The Experian credit reporting agency has placed some kind of internal block, security freezes or disputes blocking on my credit profile/report without my knowledge or permission, and I would like any and all of them to be removed as soon as possible. I have not been able to dispute any inaccurate information on my credit profile/report for some time now. When I call experian to discuss this matter/issues, there representatives always giving me the run around or just leaving me on hold and I dont appreciate that.
Product: Debt collection

Third party company brought an alleged debt from another state dated 2012.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear breach of FCRA laws, I need the materials deleted from my file as quickly as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX  {$620.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Vehicle loan or lease

I had car loan through XXXX XXXX the agreement was made in XXXX of 2022 and I believe they did not provide me FULL disclosure as well the actual apr amount along with they did not give me consideration initially when the agreement was made
Product: Credit card or prepaid card

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report, which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Bank of America {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} CALIFORNIA BUSINESS BU ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX*XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1200.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately
Product: Mortgage

After a payment not going through online on XXXX, SunWest Mortgage Company cut off my ability to pay online and put a phone number to call on how to make a payment. They never told me that I would not be able to make a payment online or over the phone. When I called on XXXX they informed me I could not pay and would have to mail a certified check. They did not inform me of how to make a payment before that making my Mortgage go into default on the shortest month of the year without proper time to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove these charge-off accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX - XXXX : {$2100.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$4300.00} - Account # : XXXX XXXX XXXX  - Balance : $ - Account # : XXXX XXXX  - Balance : {$13000.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$5300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I  contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( XXXX XXXX. XXXX ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report because it is hurting my ability to obtain credit.

XXXX XXXX XXXX {$1700.00} Account # XXXX DATE OPENED XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
AMERICAN EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under on open end consumer credit plan as late for purpose.

XXXX
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX XXXX XXXX ( XXXX XXXX XXXX ) about a loan to pay off BB & T banking c/o XXXX XXXX XXXX XXXX XXXX.Within a week she requested me to get a title lein deed from BBT. XXXX XXXX told me after researching BBT has not been assigned or a first lein holder since they gave me a loan back from XX/XX/XXXX Apparently, BBT lawyers done a title search and also did not follow-up onthe final title to record at the court house. MERS corporation was holding the title from ( not to my knowledge ) my previous loan company after BBT have me a home loan went bankrupt and MERS had the title. It has been since XX/XX/XXXX and i have been through 3 loan officers being passed around BBT to fix the problem and produce a title deed to finish a loan with XXXX XXXX XXXX. My county clerk XXXX XXXX XXXX ( ( XXXX county Ky XXXX XXXX XXXX ) ) informed me that Mers sent a title to record but sent it to the wrong page and book number. Which means BBT has not had a lein on this property due to their lawyer not filing the paperwork correct and not caught MERS making the correct entry. I am not savvy at Banking jargon but if CFPS representatives call XXXX XXXX and XXXX XXXX they can explain exactly what is happening. XXXX XXXX informed me that any bank according to ky law statures only has 30 days to produce a title clear of leins to be paid off by another bank It has been 75 days and counting. My financial situation has changed and i need to refinance to go from XXXX to XXXX per month payment. I am on the verge of going into foreclosure and bankruptcy if this is not corrected soon. BBT has made excuse after excuse and i have been passed from XXXX XXXX ( XXXX XXXX branch ) to XXXX XXXX ( XXXX office ) and not to XXXX XXXX ( XXXX office ) I need to get this refinance loan asap or lose everything i own. BBT is making no effort to help. I paid XXXX dollars 13 years ago in title insurance and closing costs for BBT to do their job on getting a clear title and recording correctly. If i were to pay this loan off, sell or go into estate upon my deceasement i could not get a clear title due to their incompentence in doing thier job.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not sending me the proper proof/ Documents, that as a consumer is my right to know what is reporting to my credit profile/ report correctly. I have sent several dispute letters to Experian to have this Removed for not taking the proper steps. I have sent letters to Experian and they have Updated online which I never Consented Them to do so. Also they did not take the Reinvestigation seriously they just Updated. I want these Debts Removed Immediately for the improper way that they have handle these Debts. Over several disputes.
Product: Money transfer, virtual currency, or money service

I was looking for a place to live on my own with my significant other. We found a place on XXXX XXXX. I contacted them and it all started there they played as a renter and an attorney. I sent over {$1700.00} believing I was doing so for a rental. After the last payment was made we scheduled an appointment so we could sign and get the keys but when I showed up to the home there was a lady living there and she told us it was a scam. 
XX/XX/21 {$40.00} XX/XX/21 {$80.00} XX/XX/21 {$50.00} XX/XX/21 {$280.00} XX/XX/21 {$500.00} XX/XX/21 {$600.00} XX/XX/21 {$170.00} My bank said because they were payments thru zelle that theres nothing they could do.