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

The company XXXX XXXX XXXX has not been reporting my current balance as I have been directly paying the company {$50.00} monthly since XX/XX/21. I notified the company of this inquiry and I was advised they had mistakenly not been reporting the current balance of this loan. This error has affected my financial goals. I have been declined for several loans and credit lines due to this outstanding balance. I have even notified credit bureaus ( transunion, XXXX ) of this error and the investigation proved the account to be an accurate balance. There is false allegations on both parties and Im the only one suffering from these false allegations. I am unable to take out a mortgage line due to the accounts impact on my credit. I am requesting the account be removed from my credit report due to its false pretenses and I will continue to make payments to the company directly. 
TransUnion and XXXX have continued to report this account as accurate in recent investigation reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have files dispute reports with Transunion, XXXX and XXXX but to no avail. I believe in accordance to the Fair Credit Reporting act, These Three credit bureaus has failed to investigate properly the accuracy of the report published. These bureaus had been instrumental to the violation of my rights. 

Transunion reported that the Creditor XXXX XXXX XXXX is owed {$1100.00}. In the reporting, Transunion has published a duplicated report that has failed to state the actual date the account had been opened. It was stated that the account was opened on XX/XX/XXXX and the second reporting stated XXXX XXXX citing the same amount owed. 

Another falsly reported entry on Transunion and XXXX was a creditor from XXXX XXXX  in the amount of {$310.00}. I disputed this transaction as a transaction I am not aware of according to the reporting. It was stated that the account was opened in XX/XX/XXXX. I made it known that I did not become a customer of XXXX until my XXXX XXXX XXXX XXXX, XXXX address in XXXX. I had been a victim or Identity theft and report had been made with the law enforcement.
Product: Debt collection

In accordance with the Fair Credit Reporting Act ( COMMONWEALTH FINANCIAL ) ( 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, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX has not reported my payments accurately for the month of XXXX 2017. The last reported balance is on XXXX-2017. The current balance is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021.
Product: Money transfer, virtual currency, or money service

so my issue is with XXXX XXXX app the crypto currency the week of the XXXX my account was locked after i did XXXX deposit of XXXX $ then another deposit of XXXX XXXX making a total of XXXX $ after which my account was locked and been unable to withdraw my money since they blocked it, do then and i provided them my drivers liscense they sent me a message back that week saying cant verify the id. then i proceed to send my id again they say the same thing even though all the info matches. 

after all this comes around to the week of XX/XX/2024 they ask for my bank account information said i can send it on the app come to find out theirs no link on the app so i had to message them again they now sent me a link so i submitted the documents. 

it said decision will be done by the XX/XX/2024, now it says XX/XX/2024 overall i would like to be able to withdraw my XXXX $ i deposited into this app and being XXXX weeks without being able to even reverse the deposit of my money in which has been sitting in a frozen robin-hood account.
Product: Credit card or prepaid card

On XX/XX/2020 I went to go pull some money off my pre paid card witch my unemployment benefits was getting direct deposited too and it said my account is locked so then went online to check and see what is going on and again it wouldn't let me even check anything with my online account because it was locked so I call them and they say they are sorry but my account was locked and to release my money they would need copys of my id, social security card and a piece of mail proving my address so I sent all that multiple times and they still keep playing games saying its not enough or its not up to date. ive sent mail thats in the last 30 days and they still denied me my money. Its around XXXX XXXX and XXXX XXXX dollars. I have a family so I rely on my unemployment i need my money please help me ... ..
Product: Bank account or service

I had someone buy a tee shirt from my shop in XXXX. The shirt she wanted was backordered. She filed a dispute with PayPal on XXXX stating that she had not received her item. They emailed me stating that I should communicate with the customer about the status of the item. I emailed her on XXXX stating that the item had been back ordered and that I had followed up with the merchant to put a rush on it. Paypal sent me a dispute resolution link to provide them with tracking information, proof that I had refunded the customer or proof that the customer had received the item. Those are the only XXXX options on this page. There was no tracking information at that time because it was back ordered. PayPal closed the case and told me that when the case was close I might not get my money back even though I could now provide them with the information they needed. 

The customer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX United States XXXX XXXXXXXXXXXX her transaction amount was XXXX paid to my PayPal account XXXXXXXXXXXX on XXXX/XXXX/2015 and refunded to her by PayPal on XXXX/XXXX/15. The tracking number for her shirt is XXXX via at USPS.
Product: Credit card or prepaid card

I received a credit card not in my name but in the name of XXXX XXXX. I also received a letter dated XX/XX/XXXX from Old Navy stating my request for increase in line of credit had been denied, which I had not requested. When I called Old Navy customer service on XX/XX/XXXX, I was told someone called in with my information and added XXXX XXXX as an authorized user and requested a line of increase. I stated this clearly wasn't me and asked for her to be removed from my credit card as a user, as well as cancel the card number and reissue me a new one, which was informed would be done. I was then transferred to the Fraud Services department and informed her name would be flagged. However, when I received my new cards on XX/XX/XXXX, I received 2 cards with XXXX XXXX XXXX name on them, one with the name XXXX XXXX. When I called Old Navy Services again, I was informed this person had AGAIN called and placed herself as an authorized user on my account despite her name being flagged. I asked for her name to removed AGAIN and have new card issued again with new numbers. I was also issued a special pin that must be used in order to access the account since it would be frozen. I was transferred to their Fraud Services department again. On XX/XX/XXXX, I checked my account online and found that XXXX XXXX had AGAIN been added as an authorized user. I called Old Navy AGAIN and asked to speak with a manager as this was the third time this has happened. I was informed this person had called the prior day and added herself again. I informed the manager this was unacceptable and obviously my SS # had been compromised if they were using it as verification to make changes to my account. I was informed an email would be sent to the back department regarding this manner and a new credit card number would be issued. Checking currently XXXX XXXX has once again added herself to my account and I have to call Old Navy again. This is completely unacceptable in the security of the Old Navy Credit Card services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing I have a charge off with them for XXXX and Transunion only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I have been trying to dispute with Transunion since XX/XX/2021. I know they have at least XXXX or XXXX letters disputing accounts like XXXX XXXX. Transunion still has multiple wrong addresses on my file even though I sent them my documents to identify myself. I received letters from some of the creditors that I tried to attach since the XXXX time I received a response from Transunion they said I needed proof in order for them to keep investigating. Transunion even had the nerve to say they think my letters were sent by someone else even though they have responded to me before. I think they are trying illegal stall tactics just so they don't have to respond or investigate. This is against the law and violates my consumer rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had this account on my report. XXXX Account no XXXX. By law I have a right to an accurate and fair credit report. Please remove this account from my report as they are hindering my ability to obtain credit. I have been denied credit several times due to this account.
Product: Mortgage

My mortgage is through XXXX XXXX Mortgage and I just found out that my loan was being sub-serviced by Dovenmuhle Inc, from Respa documents submitted on XX/XX/XXXX transferring the servicing back to Cross Country Mortgage. To the best of my knowledge I was never notified of that another company was sub-servicing my loan and no notice was sent when the transfer to Dovenmuhle Inc. occurred. While, servicing my loan Dovenmuhle Inc. has violated several Respa statues to include : not running an escrow analysis when they were informed of the exemption of property taxes/ Dovenmuhle inc. forwarded funds from escrow putting account in deficit. Dovenmuhle Inc also continues to charge us more than XX/XX/XXXX of our annual escrow payment and is holding more than XXXX of a cushion in XXXX. Currently, my escrow account has {$1500.00} and there are no other escrow items are due for this year. They continue to charge me {$1000.00} each month for my escrow account and refuse to conduct an escrow analysis. I have tried to fix these issues numerous times with this company but they deny any wrong doing and refuse to do anything but charge me more and more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

A group of people used my social security number to get services with XXXX XXXX XXXX XXXX, XXXX XXXX. The billing was linked to my home at XXXX XXXX XXXX. XXXX Tennessee XXXX. The FBI told me it was an inside job. The entire XXXX XXXX, XXXX XXXX & The XXXX Family. XXXX XXXX. Copies of my birth certificate was made, drivers license, social security card. My date of birth changed with XXXX, my former employers changed. Social Security wrote a query showing my employers from XX/XX/XXXX - XX/XX/XXXX. Tax returns have been filed using my information. The XXXX Family stole Government funds to pay you for your services through XXXX XXXX XXXX. Unemployment funds was being used. The FBI brought this to my attention. From XX/XX/XXXX-XX/XX/XXXX this theft occurred. My number in the home was ( XXXX ) XXXX. You turned my phone off, I was in my home 18 years. The XXXX stole my home. It goes on & on, they 've taken my identity. They are being allowed to continue to abuse companies services. The only way they will stop is you do n't provide them with any type of services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this inaccurate 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I found that some of my accounts on the report that are not reporting a 100 % accurate data which violates the FCRA Law. Kindly review these accounts below and provide me update of the changes and corrections on these accounts in 30 days : XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX XXXX : {$4800.00} XXXXXXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$10000.00} XXXX XXXX SER Opened : XXXX XXXX, XXXX Balance : {$600000.00} XXXXXXXX XXXX XXXXXXXX balance : {$16000.00} Date opened : XX/XX/XXXX I also found some fraudulent accounts that are reporting on my credit report below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX to XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance {$1500.00}
Product: Debt collection

FH Cann & Associates had taxes taken XX/XX/2019. Wages garnished starting XX/XX/2019. Have call multiple times to find out the pay off / settlement amount of loan with no response. Left an Email XXXX XXXX 2019. No response!!!! Haven't been sent any statements regarding balance or amounts taken. Deferment refused due to not consolidating my loan with my wife 's. My wife doesn't have any loans. They admitted they made a mistake and than started taking wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A - States I have the right to privacy 15 U.S.C. 1681 604 A - It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 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, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Credit Bureau of America - " CBA '' - to reach a resolution. After a bit of back forth, I finally decided to go ahead and pay the collection with the stipulation that CBA would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward six months and the collection is still reporting! I am requesting that CBA sticks to their word and requests the deletion of this collection from the three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tryed tons of times too lift my freeze or frud or whatever is on my credit report from equfax and still cant get my report pulled trying too buy a car please help i dont know what do anymore
Product: Mortgage

I have a problem with my mortgage servicer, Mr. Cooper Mortgage ( formerly known as Nationstar Mortgage Holdings Inc. ) regarding removing the PMI payment. I have paid off enough of my mortgage and own enough equity in my home to have the PMI removed. I have contacted them on the phone and spoken with a representative but my specific issues have not been resolved. Mr. Cooper refuses to remove my PMI even though I own more than 20 % of my home and refuses to accept the following documentation showing this : - An appraisal I pay for - Invoices showing the XXXXmprovements I've made ( Such as installing a $ XXXX solar roof system ). Why can't they accept a new appraisal I make or my documentation showing the new home value? Mr. Cooper is forcing me to pay more than {$300.00} for their own appraisal which they still have not scheduled yet a month after I contacted them. Why can't they respond and explain when the new appraisal is scheduled and why they won't accept an independent appraisal that I pay for? Assuming the issue is settled by the CFPB that I do in fact own over 20 % of my home and did not have to pay PMI, I would like the last few PMI payments refunded. Can the CFPB get Mr. Cooper Mortgage to respond about these 3 specific issues and have my PMI removed? Also, I've attached the most recent letter from them that refuses to give a reason for denying my PMI removal request.
Product: Prepaid card

I have a {$100.00} gift card from AMEX. On XX/XX/year>, I tried to order exactly {$100.00} worth on XXXX. AMEX put a {$0.00} hold on the card, which caused the XXXX order to be unable to be fulfilled. Now the card has a {$99.00}, which makes it impossible for me to order the {$100.00} and fulfill the order.
Product: Debt collection

Frequent phone calls, multiple times a day/week. I have gone to their website and submitted a request XXXX ) to be contacted via writing ONLY. I have done this about XXXX times. I have yet to recieve anything in writing from them since my request. The frequent phone calls are disrupting my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section XXXX, you are required by law to remove any accounts and information that resulted due to identity theft, so please do so. I need you to remove the following fraudulent accounts and information off of my Credit File as soon as possible 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 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 I am requesting that you immediately remove the disputed items off of my Credit File.
Product: Debt collection

I have filed a complaint with the XXXX XXXX of FTC. American First Finance XXXX XXXX has sent me XXXX invoices ( BILLS ) demanding {$1200.00}. This was for a XXXX XXXX. They did not tell me what the invoice was for, or even what company was selling it. I received a call from a man, who would not identify himself or the company he was working with. I tried to get all the above information and gruffly said something and immediately hung up the phone. Next, I received a call from XXXX XXXX XXXX, XXXX, a collection agency, telling me that I owed American First Financial money. I refused and asked for proof of this. I received in the mail a completed online " CONSUMER RENTAL- PURCHASE AGREEMENT " form, signed by XXXX XXXX XXXX XXXX XXXX of American First Financial , LLC . This was dated XX/XX/year>. This form does not tell who sold the scooter and I have not received a scooter of any kind. I did not order XXXX and do not need a scooter or any other apparatus for personal transportation. On the purchase agreement, there are several printed signature names. This is NOT my printing and, the signature area blocks should be a cursive signed signature. Again, somebody, other than me, filled this in with printed letters. I have just gone through the online signing of two different Sell/Buy purchase agreements. Both agreements required a cursive written signature to be done by an online service company, with a cursive signature, who is signing the agreement/contract. What I received in the mail, looks like a blank form, that was filled out by a physical person, not by an online company program. I have never heard of American First Financial, LLC, or Radius Global Solutions, LLC until now. I did contact The Better Business Bureau about American First Financial. Their report was of many false claims for money from people who had paid off their purchase agreements or did not owe the amounts American First Financial was demanding. There are several CLASS ACTION SUITS pending against American First Financial at this time. American First Financial , LLC has filed complaints to XXXX, XXXX, AND XXXX credit bureaus for nonpayment of account. I was not informed of this action, so I will be sending a rebuttal action to the credit bureaus. I and others, by The Better Business Bureau report, believe this is a " SCAM " and also a case of " IDENTITY Theft "!