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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX  , XXXX  XXXX , XXXX XXXX
Product: Debt collection

I gave a 60 day notice for me to move out for XXXX 2015. I have lived in this apartment for over a year. There was MULTIPLE problems with the apartment. there was live mold in the a/c unit in the bathroom. The location was above the sink in the bathroom. I have pictures while I was living there and moved out as the rust and mold grew from the leaking a/c. The kitchen was infested with roaches. I gave back the keys. The report of the charges that are in collections is not clear. Very BLURY TO READ. I requested a copy 3 times and only received XXXX copy that is blurry. I called there collections agency and it is fraud. One XXXX man answers the phone and does not explain charges only ask to money. I called XX/XX/XXXX 3 times the same person. ITs fraud.
Product: Mortgage

XX/XX/XXXX I Initiated conversation and expressed interest in locking in a mortgage with the lender. 

XX/XX/XXXX The lender confirmed that rates can be locked-in based on todays rates which were sent to me in an estimate, and referenced in the text message XX/XX/XXXX I asked the lender to make sure that rates can be locked. 
The lender responded verifying that yes, well get same rates as today.Market today hasnt changed so well be good locking in tomorrow I responded OK Several disclosures and estimates were sent to me from the lender up until XX/XX/XXXX. All disclosures up until this point listed the interest rate at the initial promised rate as discussed in conversation. 

The lender sends a loan estimate and disclosure for settlement on XX/XX/XXXX with a changed interest rate, without any notice or explanation. He later says that the market was too volatile and he had to change the rate. 

This was an act of predatory and fraudulent lending that should not be experienced by anyone. Supporting documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

On XX/XX/XXXXXXXX  Optum Financial approved my medical claims and repayment was made to my FSA XXXX account ; however, Optum Financial has failed to update my balance to reflect these payments and continues to show the same negative balance, triggering collection efforts from my employer XXXX XXXX XXXX XXXX XXXX for {$480.00}. My repeated efforts to correct this problem have met with failure.
Product: Mortgage

Starting in XXXX of This year, I began contacting SLS regarding my PMI payment. According to my loan the PMI was due to come off my account as of XXXX. However, I have called them twice to put in the request and I also sent a certified letter. I was told that I would receive a response within 7 to 10 days, yet I have not heard anything in almost a month. I submitted proof that my home value has increased. I sent a copy of a home appraisal conducted by XXXX XXXX. My home is now valued at XXXX. I am currently on chapter XXXX, who have been sending them payments every month. 

I also want to complain that the way they process and apply payments is deceptive. Although, I am on Chapter XXXX and I see monthly payments to SLS, they continually show an increase in the amount in arrears. But never show all the payments being processed as payments. Some times I see them applied as un-applied credit. Other times I see them apply a payment, but then take it off.
Product: Debt collection

portfolio keeps telling me that i owe them a debt and i do not they say that it has been verified but it is unlawful and not legal just to tell me i do. I want a verified documentation that i am legally bound to this debt. You have 7 calendar days to respond or it will be assumed that the debt is not owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of 8 hard inquires : XXXX date of inquiry XXXX, XXXX XXXX date of inquiry XXXXXXXX XXXX XXXX date of inquiry XXXXXXXX XXXX date of inquiry XXXX, XXXX date of inquiry XXXXXXXX XXXX  date of inquiry XXXX, XXXX XXXX  date of inquiry XXXXXXXX XXXX XXXX date of inquiry XXXX. These accounts have resulted multiple fraudulent hard inquires. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing XXXX late but account was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports for XXXX, Equifax, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete remove the following:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card

I received a denial for a Bank of America credit card XX/XX/2023, XX/XX/2023 and XX/XX/2023. My account was in good standing during all 3 of these requests. The 3 denial letters state I was denied on my XXXX and XXXX credit report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. The corporation Bank of America is violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny me my right to extended credit. 

XXXX XXXX XXXX, XXXX
Product: Debt collection

I sent in a dispute to all credit agencies in XXXX of 2019. Pro collect sebt paperwork back and i sent in my copies. They stipl will not remove it even though i encluded all my documentation. There paperwork is wrong. They stated my move out date was a different date then the date i moved out. Also the original creditor XXXX XXXX XXXX is no longer valid. They shut down due to fraudlent practices.
Product: Credit reporting or other personal consumer reports

I wanted to freeze my credit with all 3 credit bureaus. On XXXX XXXX, 2024, I went to their websites to freeze my credit. With XXXX and XXXX, it went smoothly. However when I tried to freeze my credit with Experian, after creating an account, it first required me to 'order ' a free credit report ( there is no way to bypass that screen. ) Then when I enter my SSN and address on that screen, it gives me an error message saying I should call Experian and the number provided. 

Thinking it might be a temporary error, I waited and tried again a few more times on different days. I could never get in to freeze my credit. 

Today, XXXX, 2024, I tried the website again and got the same error, then tried calling Experian at the number provided. The number led to an automated line which would not allow me to speak to a human agent. The only help the automated line offered was to direct me to the website, or to mail me the same instructions on how to request a credit freeze. There was no help on how to resolve errors preventing Experian from allowing me to access my own credit information. I called again using a different customer service number from Experian 's website, with the same result. I am unable to find any way to communicate directly with anyone at Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is showing a past due balance actively open on a closed collections account which is fraudulent and needs to be removed from my credit report according to my rights within the FCRA. I have disputed this multiple times and nothing has ever changed. They are adding interest and compounding the total balance on a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection Agency Hunter Warfield put this debt against my credit knowing full well several months ago I was taking XXXX XXXX to court which I did and won. Hunter Warfield shows a debt to collect for XXXX XXXX when in fact I do not owe them anything, I won the Judgment in court against XXXX XXXX and they owe me {$860.00}. I want this off my credit report immediately. I have attached the certified judgment in my favor against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I will petition the courts to freeze XXXX XXXX assets until they pay me. If they do not immediately take this off my credit report I will sue Hunter Warfield in a court of law. Also XXXX XXXX from Hunter Warfield told me that the attached LEGAL COURT document means nothing, I still owe the money. XXXX XXXX owes me {$860.00} and HUNTER WARFIELD FOREIGN CUSTOMER SUPPORT XXXX XXXX did not care about anything other than harassing me and trying to make me pay for a debt I do not owe, this is despicable for a company to think they can bully someone into paying a debt they do not owe. I did talk with XXXX XXXX, a supervisor, I did send the court document to them and I expect this off my credit reports immediately or I will sue this company. I also recorded the conversation, Michigan law allows this as long as 1 person on the call knows this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.
Product: Debt collection

XX/XX/XXXX-XX/XX/XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to Portfolio Recovery Associates , XXXX . without my consent or permission. XXXX XXXX has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I saw an alert Experian credit report letting me know there was a hard inquiry for XXXX XXXX XXXX XXXX XXXX, which I immediately did not recognize. I contacted Experian that day, which started a dispute process for the unauthorized hard inquiry. They were able to remove this from my report within a few days. The financial institution in question 's fraud department contacted me and left a voicemail on the XXXX. I attempted to contact them via the financial institution 's fraud line number but did not reach them immediately. When I reached out again about two weeks later, they told me about the credit card opened with my information, which they flagged as fraudulent within a few days of the account opening. They were able to successfully close down the credit card and the account they opened linked to the line of credit. 

On XX/XX/2022 I received a letter from another financial institution XXXX XXXX XXXX requesting I send them my paystubs so that the loan could be processed. I of course did not recognize this financial institution. I called the financial institution and let them know my identity was stolen, they immediately closed the loan application and, presumably, the account that was opened with it. 

XX/XX/2022 I contacted Experian to remove the other hard inquiry for XXXX XXXX XXXX, which started a dispute process. Currently waiting to see that the dispute is resolved.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I purchased a maintenance package with a new car, from the manufacturer. I am returning the car with XXXX miles on it. I have been told the maintenance plan is tied to the car and the auto manufacturer is keeping the money. The manufacturer in question is XXXX  and the maintenance plan is AudiXXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of Items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX IN XXXX ; XXXX XXXX XXXXXXXX, IN XXXX ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Calling repeatedly at my place of employment. Multiple calls/day and week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called Chase bank 's credit card department to inquire about the credit line increase, the representative asked about my income and some personal debts, then my credit line was up instantly from {$6000.00} to {$9000.00}. but I did not get disclosed there was a hard inquiry on my credit. The Chase Bank already admitted its representative 's fault, but refuse to correct this action, see details in the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach, which according to their website both my husband and I appear to have been affected by, I have had to spend money and many hours of my limited personal time to pull credit reports, place credit freezes, set up credit monitoring, as well as other tasks to try and get ahead of the potential issues this could cause to my husband and I 's credit. We have worked very hard over the last decade to improve our credit and the continuous data breaches are disheartening ( the Equifax one being seemingly the worst yet ). There is also not a lot of confidence that Equifax truly knows how much data was actually taken, so now there are worries about my parents ' and my children 's credit. I also worry that even though we have frozen our credit, the same stolen data can still be used to unfreeze it. Cyber security needs to be taken much more seriously by the corporations of the world and I want to know how Equifax and the FTC are going to make this right and work to prevent future occurrences. Thank you for your time.
Product: Mortgage

Wells Fargo became our home mortgage provider and we had issues with escrow and payment processing. They were our provider for less than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX tracking number letter delivered XX/XX/XXXX I sent a certified letter telling Equifax too fix my credit report XX/XX/XXXX and to remove items that aren't me or shouldn't be on credit report and it's now XXXX and still nothin has changed I'm a victim of identity theft and want my credit to be in order I can't even get a XXXX card XXXX nothin business credit card anything at age XXXX and it's ridiculous. I have sent them a list of inquires that aren't mines and I wanted removed immediately due to the fact I never signed up or gave any company my permission to post anything on my credit report those inquires are fraudulent and don't belong too me I have sent more then one letter I actually sent 3 letters to each credit bureau and it has got me no where also I have a loan from money lion on my credit report that I have paid in full XXXX dollars that is still displaying I owe them money I have my receipts and evidence to prove I have paid them in full 8 months early hoping my credit score would have a boost they only report every 3 months and it's been 3 months and my last report there stating my loan hasn't been paid in full but I'm currently paying on time I paid in full in XX/XX/XXXX my balance should be XXXX dollars. Also XXXX I did the same thing wanted inquires that are fraudulent or I didn't do or ask to be put on my credit report about XXXX inquires of places I've never been in contact with XXXX is the tracking number which my letter was delivered to XXXX XX/XX/XXXX and nothin has been cleaned up. Also it's been over two years for most inquires hard and soft that should by law already have been taken off my credit report that these credit bureau are still keeping locked on my report and I want them all removed my letter or time plus money I've spent sending them letters to fix my credit wasn't a joke and I demand to be taken seriously thank you
Product: Credit card

On XX/XX/21 XXXX XXXX XXXX XXXX XXXX CA charged me {$820.00}. Services were never rendered and its fraudulent charging.
Product: Bank account or service

I have been getting charged {$36.00} for NSF OD fee by Regions bank in the amount of {$250.00} in the last month from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called them and they stated that I opted in however I never did this. If I had a XXXX balance I should have been declined however the bank stated that they would cover transactions up to {$500.00} and for ever charge with insufficient funds they would charge me {$36.00}. I stated I never signed or agreed to an opt in and they wo n't refund me back.