23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX : Account Number XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Account Number XXXX, XX/XX/XXXX : Account NumberXXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.
Product: Debt collection

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied financing for " too many inquiries '' from TransUnion, I reviewed my free annual credit report from all bureaus for 100 % accuracy. I found that there were several unauthorized inquiries that I had no knowledge of and I submitted a written complaint to TransUnion requesting that they verify the accuracy of these inquiries that I did not authorize. After a few weeks, I called and spoke to Supervisor XXXX XXXX today who provided me with no relief in verifying the unauthorized inquiries. My account already has an active fraud alert to prevent future unauthorized inquires like these. The following inquiries were not authorized and I 'd like to see to it tthat they are removed or verified for accuracy. None of these companies received my identification or authorization to obtain my TransUnion report for any reason : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In XXXX of 2020 we requested a payoff and received a payoff of XXXX and was paid on XX/XX/2020 8 days before the quote expired and was deducted from our checking account on XX/XX/2020. Then was told we still owed XXXX per a statement and message on their system, We paid it on XX/XX/2020 and is just sitting there unallocated-unknown. still as of today. Now today we are told we owed XXXX stating they have unallocated funds of XXXX and stating after the XXXX is paid additional payments may be needed.

Bottom line we have paid 2 payoffs. And SLS owes us our excess escrow of XXXX XXXX they haven't applied to anything in 10 days in order to charge more interest.
Product: Credit reporting or other personal consumer reports

I am filing this report on XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit cards accounts, online personal loan accounts, fraudulent activities from bank savings account, these accounts have resulted in serval fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. Please remove the aforementioned fraudulent items from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

My mortgage was originally with Mr Cooper. I've since refinanced and my load has been sold back to the company known as Mr Cooper. My current LTV ratio is below 80 % and my appraised amount to loan value supports this. Current market conditions have also made the value of my home substantially higher than the appraised value. On XX/XX/2022 I attempted to call Mr Cooper to get the PMI removed and their phone system gave me no options to do this nor did it give me any options to speak with a representative about this. I had to state I had payment issues to get a live person. Once connected, I asked the agent for their direct number to which she stated there was none and then transferred me. I did get to speak with an agent regarding PMI. She stated that my LTV ratio was below 80 % and I've not missed payments in the last 24 months but I would need another appraisal to get the PMI removed. I asked why and she stated that it was required from the lender. I asked why the other one wasn't good enough and she said because this was different than getting the mortgage refinanced. I sent an email the same day to their general email box asking for PMI to be removed and I received an automated email response. Their tactics of making it difficult to get ahold of a rep to remove PMI and the requirement to get another appraisal beyond the refinanced value is unfair to the homeowner especially when that homeowner has no choice but to use that lender when the mortgage gets sold between companies.
Product: Mortgage

Arvest Central Mortgage This company continues to pay for funds out of my Escrow, without my permission. 

XX/XX/XXXX - Called to let them I was switching insurance companies from XXXX XXXX XXXX to XXXX. Had my new agent from XXXX even call to validate the switch. See attached email verification. I called XXXX who told verified the policy would not activate as long as they did not receive payment for renewal. Thought Okay I have communicated this switch with my mortgage company, all should be good. Even signed a form for the mortgage company verifying which insurance XXXX is correct. See attached. So, they still paid XXXX AND XXXX. So, two insurance payments our of my Escrow. 

XXXX basically a complete re run of XXXX. They received information from XXXX XXXX and XXXX. We, husband and I, called again around end of XXXX XX/XX/XXXX and asked them to verify what insurance company they had on file, they assured us it was XXXX. And, guess what, they still paid XXXX ... AND XXXX. Even though they have a signed, acknowledgment from me verifying the correct is XXXX. 

This is their mistake and they cant stop making it. Called just last night, they say there is nothing they can do even though they are the ones who issued the money out of my account without my permission. These errors are causing financial unnecessary hardship caused solely by this company incompetence. 

When we ask WHAT CAN DO WE DO TO STOP IN THIS FUTURE? They say, we'll make a note that you only want us to Pay XXXX. 

Why would I want you to pay 2 insurance companies? Stop issuing payments out of peoples accounts.
Product: Credit card

XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Capital One XXXX Capital One XXXX XXXX XXXX Virginia XXXX Sir : By way of introduction, I am long term customer who has some problems with a returned item. 

It is my understanding that I have sixty days from mailing of the statement, or, sixty days from receipt of merchandise, to dispute a charge. 

The delivery date for the merchandise was XX/XX/XXXX, XXXX failed to deliver it on that date. I tried to get a refund, but they demurred. 

I would like to dispute this charge, as I believe is allowed. 

Thank you for your assistance, and while I await a response, I trust you will accept this letter as Respectfully submitted, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Account ending in XXXX Capital One Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : On XX/XX/XXXX, XXXX XXXX # XXXX XXXX bought a special-order vase from XXXX for XXXX with a delivery date of XX/XX/XXXX. 

When the order was not delivered by XX/XX/XXXX, we opted to cancel the order. XXXX has not responded. 
We are asking for a credit. 
There was/is no return policy posted anywhere. 

XXXX. As the delivery was not due til XX/XX/XXXX, the 60 day dispute clock does not start til then and a complaint was filed within that timeline. 

Thank you for your attention to this matter and I trust that you will accept this letter as Respectfully submitted, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1400.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$38.00} XXXX XXXXXXXX XXXX {$200.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Have violated my rights. 

15 USC 1681 Section 602 A, 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 an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than ( 7 ) years. 

15 USC 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX   partial account numbers XXXX and ( 90 ) days late on the XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) I changed banks and contacted a representative at XXXX XXXX. I provided all of the new banking information for payment to this account. The bank never updated any of my information and consequently debits were being taken out of the old account. I was not aware there were any outstanding balances due, nor was I aware that lates were being reported on this account until I obtained a copy of my most recent credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Checking or savings account

XX/XX/2020. Funds where taken out by XXXX XXXX XXXX in about of XXXX. Call wellsfago to stop charge and get a new card on XXXX XXXX XXXX was not authorized to make this payment.but did it any way..
Product: Credit reporting or other personal consumer reports

I have been paying a credit account in full for a long time now, but it is still affecting me deeply. XXXX Credit Card is reporting this in my name every month, but I don't owe them anything. My balance is XXXX and they continue to tarnish my name, even with the account closed and paid in full. That's why I ask that you delete it from your system.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

XXXX XXXX  XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have attempted to reconcile my repossessed vehicle payoff with direct phone calls on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and finally a consumer protection email on XX/XX/XXXX requesting to attempt to reconcile my defaulted car loan with Capital One. I have left voice mails stating my desire to try and get this taken care of. I am trying to do the right thing but they refuse to even try to help me get this done! Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a followup complaint due to my first complaint being returned as fraudulent. I am the sole person completing this complaint without the help of another party. I take my credit file very serious and I know that the credit reporting agencies are committing fraud against me. It is either the Experian or XXXX or the companies that pay them to report invalid and incorrect information on my report. Pursuant 15 USC 1681 ( a ) ( 1 ) Congress states that the banking system is dependent upon my credit file to be fair and accurate. The listed items I have continued to have the credit report agencies correct have fallen on XXXX  ears and XXXX eyes. I am giving my written instruction now and demand that the following be removed from my credit report : XXXX, XXXX, XXXX, XXXX, XXXX XXXX ( misspelling of my name ), XXXX  XXXX Bankruptcy XXXX and XXXX ( this is NOT MINE ), XXXX XXXX and XXXX XXXX  XXXX ( this is NOT mine ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Y ( misspelling of my name )
Product: Credit reporting or other personal consumer reports

Under XXXX5 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

On XX/XX/year>, a {$1000.00} unauthorized charge was made to XXXX using my Discover Card via XXXX. At the time of the transaction, my phone had been hacked, and I was locked out of my XXXX ID and XXXX XXXX accounts. This transaction was made without my knowledge or authorization. 

I promptly reported the fraudulent charge to Discover Card and provided substantial supporting documentation, including : A police report that documents the phone hack and the unauthorized transaction. 
Notifications from XXXX confirming unauthorized access to my XXXX ID and XXXX XXXX. 
Evidence that the XXXX account associated with this charge does not belong to me. 
Despite submitting all required evidence, including the police report, Discover Card denied my dispute, claiming " the transaction appeared authorized ''. This decision is unfair and overlooks clear evidence proving I was a victim of fraud. 

The {$1000.00} charge was unauthorized, and I took immediate action to report it and provide evidence of the hack and fraud. Under consumer protection laws, including the XXXX Credit Billing Act, I am entitled to a reversal of this charge. I request that Discover Card reverse this transaction and refund the amount. 

Desired Resolution : Reverse the {$1000.00} unauthorized charge to XXXX. 
Refund any associated fees or interest applied to my account due to this fraudulent transaction. 
Implement stronger fraud detection and protections for my account to prevent future unauthorized activity.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score not going up like supposed to be like they cheating me refusing to up my credit score due paid installment loans in good standard conditions that not right an still getting denied credit card an my credit in good standard wrong an unlawful how credit bureaus company doing people with they credit report fraudulent companies what the point having good credit an can't use because credit report agency failed to up your credit like XXXX haven't not updated my credit score in 3 months still XXXX XXXX XXXX Experian refusing to up my score illegally fraudulent activity happened with these companies fail to Left my score an false information with credit card telling me to apply an turn me down make hard inquiry on my credit report fraudulent activity this evidence Force me to apply for credit card an get turn down false information turn me down make be as hard inquiry false advertising false information an reporting me deceased illegally lied about that wrong an illegal report someone deceased
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, XXXX Social Security XXXX : XXXX, Consumer Date of Birth : XX/XX/year>, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.