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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00}
Product: Debt collection

See attached transcripts of voicemail received. Have requested that they stop threatening me with litigation. Request they stop harassing my sister. Provide proof of debt owed. I block the number and calls continue from different numbers. Must stop this harassment.
Product: Credit card or prepaid card

account : XXXX BofA CC they charged me a XXXX dollar bounce check fee. they are unwilling to tell where this " check '' is coming from. they have hung up on me 3 time. i asked them to reverse the charge and to tell me where the check is coming from so i can investigate. I don't understand why the refuse both my very basic requests. it is especially funny because they say there actually was no check. kind'a a head scratcher ... they need to return the the XXXX, make sure no other fees are going to be charged my account and stop accepting " checks '' from whom ever is sending BofA these thing. still don't know who that is. everything i've learned so far suggests this could be a accruing situation. time might be of the essence. please help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account ; XXXX  XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me notification on XX/XX/2020 Confirmation # XXXX That items on my report that I disputed is not reporting on my credit file. I recently checked my report and the item that they stated that isnt reporting on my credits file is still their. They never took it off like they said they did. The item is Company Name : XXXX Account Number XXXX I have the documents of what Equifax sent me via mail that things were taken care. But now I see it wasnt what they stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year Equifax was affected by a hack which affected the personal information of 143 million people. Equifax says my data was likely part of the information that was stolen. This exposes me to the likelihood of identity theft in the future through no fault of my own.
Product: Mortgage

WELLS FARGO APPROVED MODIFICATION AND ALLOWED ME TO MAKE TRIAL PERIOD PAYMENTS BUT THAN REFUSED TO SEND ME MODIFICATION DOCUMENTS TO SIGN. ALSO CHARGED ME FOR INSPECTION FOR MODIFICATION. ALSO HIRED LAW FIRM FOR FORECLOSURE. I FILED MOTION FOR MEDIATION THRU XXXX XXXX FLORIDA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry from this company. Ive never opened or attempted to open an account with this company. I called to see if an account was open but they said they have no records of it. Remove inquiry and account if one was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas XX/XX/XXXX 16.004 4 4 adding removed accounts back on with notice https : //www.credit.com/debt/statutes-of-limitations/ scaring me to sue is against the law XXXX  XXXX  XXXX 53 bankUnder the FDCPA, a debt collector can not threaten to sue you to force faster payment of a debt. More often than not, when a collection agent or lawyer threatens to sue, it is to frighten you into making larger payments or establishing an impractical and financially infeasible payment schedule.

Tax Liens Removed From Credit Reports Tax liens used to appear on your credit reports maintained by the three national credit bureaus ( XXXX, XXXX  and XXXX  ). Even if you paid the lien, it stayed on your reports for up to seven years, while unpaid liens remained on your reports for up to 10 years. 

In XXXX, however, all three credit bureaus implemented changes to eliminate civil judgment records ( notes that a consumer owes debt to a court because of a lawsuit result ) and half of all tax lien data. By XX/XX/XXXX, all tax liens were removed from credit reports by the bureaus. 

The updated rules are the result of a Consumer Financial Protection Bureau study that found issues with reporting such information correctly. 

" A lot of judgments and liens were linked to the wrong people, so someone may share your first and last name, maybe live in a different part of the country, and they might have a lien or judgment that might get linked to your file, '' said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX at data firm XXXX XXXX XXXX, in XXXX XXXX. 

How Will the Tax Lien Change Affect My Credit? 
According to XXXX XXXX XXXX, only about 11 % of consumers will see a change to their credit reports as a result of this action, and scores could increase by as much as 30 points overall. 

However, the XXXX XXXX XXXX XXXX, which represents the three credit bureaus, said in a statement in XXXX that " analyses conducted by the credit reporting agencies and credit score developers XXXX and XXXX show only modest credit scoring impacts. ''
Product: Credit reporting or other personal consumer reports

Unable to unfreeze account. made prior complaint XXXX XXXXXXXX regarding my account being hacked and log in ID and password changed and Experian wrote and said they got all my paperwork to prove who I was and would reset my account but never did. I still can not apply for credit. My case # with them is Ticket XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I had an unauthorized hard inquiry on my credit from XXXX XXXX. Please remove On XX/XX/XXXX, I had an unauthorized hard inquiry on my credit from XXXX XXXX, please remove On XX/XX/XXXX, I had an unauthorized hard inquiry on my credit from XXXX, XXXX, please remove
Product: Credit card or prepaid card

I had signed up for a trial of XXXX XXXX Premium service on XX/XX/2018. I had cancelled the Premium service on XX/XX/2018, before I was to start being charged, but the cancellation apparently didn't go through, because I was billed for the service from XX/XX/XXXX through XX/XX/XXXX for {$29.00} a month. I became aware of the charges, that I did not authorize, nor would have authorized on XX/XX/XXXX, and went back to XXXX to check on the matter, and saw that my XX/XX/XXXX cancellation didn't go through, so I pressed to cancel again. I never got a cancellation conformation email for either XX/XX/XXXX nor XX/XX/XXXX. 

I called XXXX on the matter, but the only item on the menu for the phone number I had for them was the address to their campus, so I called Bank of America Money Network on XX/XX/XXXX to dispute the charges. I gave them the information I had, filled out the dispute forms they sent me, then faxed them back. I just got a letter back from Money Network that they were denying my claim.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> I made a purchase of XXXX for a custom engagement ring on XXXX, and paid through Paypal. on XX/XX/XXXX I filed a dispute with Paypal, at the direction of the Seller because I requested my order be canceled, due to them making the wrong item. The seller then shipped me a fake item and provided the tracking number for the fake item to Paypal. Paypal denied the dispute due to the provided tracking number, despite pages and pages of proof that the seller said I would get a refund, and proof that the item was not the item I paid for. Even had screen shots of the seller hold my refund hostage in exchange for fake 5 star reviews. I then filed a dispute with XXXX XXXX  and it was denied. I was told that they only approve claims on the basis of unauthorized charges, not scams. Now neither Paypal or the bank will help me. 

The seller is exploiting loopholes in Paypal 's dispute process in order to steal money from customers. Their shop on XXXX was shut down due to fraud. Paypal states they will flag the seller 's account to track for scams, but can not give me my money back.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXX XXXX  {$390.00} XXXX XXXX {$250.00} XXXX XXXX XXXX  {$890.00} XXXX XXXX {$880.00} XXXX XXXX {$150.00}
Product: Debt collection

I took a cruise to the XXXX in XXXX of 2018. On a tour excursion there was a vendor advertising a timeshare. I went in to talk to them and I was told that they would buy out my XXXX XXXX and I could then use XXXX XXXX. When we arrived back to the US, I tried to use the website I was given to book a trip. The website was a fraudulent website, I could not book or anything else on the website. I then contacted XXXX and was unable to talk to any of the salespeople at that location. I tried to cancel this contract. XXXX  sent me an email stating that someone from the concierge service would contact me. I was not contacted. I disputed this debt with XXXX when Conrad Credit owned the debt, and it was removed. Now XXXX has put it back on my credit report. XXXX never took over the XXXX timeshare and did not perform what they said they would do. I am a Veteran and a XXXX. I feel I am being taken advantage of. I am unclear as to how two different companies can report anything on my credit report. I would like to have this taken off my credit from both companies. Where is the proof that they took over the XXXX XXXX?
Product: Checking or savings account

Citi checking illegally charging me fees even when my balance was always more than their minimum requirement
Product: Mortgage

This is XXXX XXXX, we recently purchased a new home ( XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ) and chose Keybank as our lender ( loan agent : XXXX XXXX ). Our loan was closed on XXXX/XXXX/2020, but we are really disappointed in the process, I will briefly introduce the problems here. 

1. We initiated a loan process with you with the interest rate of 1.875 % and loan credit of {$2500.00} on XXXX XXXX ( see attachment 1 ). I was told I could only work with you because you didn't want to waste your time ( see attachment 2 ). And you said you could deliver the loan 100 % ( see attachment 2 ). I paid {$500.00} in front to start the loan process. 

2. The first CD was out, I pointed out the loan credit is wrong, and you confirmed the loan credit was approved and would be applied later ( see email screenshot 1 ). 

3. When we started the loan process, we put XX/XX/XXXX as the appraisal date. We said no rush for the appraisal because we were still in the negotiation with the seller about the fence encroachment. You said we could rush it if we need to ( see attachment 3 ). 

4. On XXXX XXXX, my agent XXXX brought some concerns that it was hard to order the appraisal at holiday season ( see attachment 4 ), and wanted to rush order it, and you said you rushed ordered it, and later you said the appraisal was moved to XX/XX/XXXX ( see attachment 5 ). You informed all agents ( buyer/seller ) and me that we could close on XXXX XXXX. On XXXX, we signed an addendum with the seller after we reached an agreement with the seller. And put the new close date as XXXX XXXX. We emailed you the addendum the same day, and our agents informed you too, you were ok with that ( see email screenshot 2 and 3 ). 

5. I asked if you have already ordered it after my agent said she hadn't heard back from the appraiser on XXXX XXXX and XXXX, I got no response ( see attachment 6 ). I called to confirm the appraisal was ordered because my agent didn't hear anything from the appraiser, and you said something went wrong that you need to check it out, you will call me back later that day. But no update on that day. 

6. On XXXX XXXX, you told us that we couldn't move up the appraisal, which caused our delay penalty ( see email forwarded ). 

7. On XXXX XXXX, you first brought up that the loan credit promised ( {$2500.00} ) may not happen. 


Key points : 1. Damages : We need to pay the sellers PITI as the delay penalty, which is {$140.00} per day for 6 days. XXXX informed buyer and seller agents of a wrong closing date. And despite many inquiries about the closing date from the agents and me, XXXX didn't mention the closing date was wrong until the last minute and thus the delay. 

2. Loan fraud : We didn't get the promised loan credit of {$2500.00}, which was the dealbreaker that we chose keybank and turned down other applications, it violated " The benefit of the bargain rule '', ( Stout v. Tourney ( 1978 ) 22 Cal. 3d 718, 725-27 ).

We were not informed the loan credit was uncertain until near closing date. I feel this may also violate the TILA ( truth in lending act ).
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB flagged our mortgage account late several times although payments were made in time ( payment was due on the XXXX of each month and they have received the payments in time ). This, and other issues, have been communicated several times to JPMCB will little success. 

We sold our house in XXXX of XXXX and JPMCB flagged us late again for XXXX of XXXX. There was an issue with the buyers check that didn't clear in time but that was out of our control. We opened a dispute with XXXX to make our case. The case was rejected, but when comparing the payment history before and after the complaint, we are now flagged late for XX/XX/XXXX, and no payment history is shown for XX/XX/XXXX. Another " late '' date has changed as well - before we were " late '' in XX/XX/XXXX and we are now late in XXXX of XXXX. 

JPMCB credit reporting is arbitrary and completely erratic! Because of this our credit score has dropped significantly, and we had extreme difficulties to find a bank willing to work with us on our new construction loan. We tried to obtain a construction loan in XXXX of XXXX but had to wait until XX/XX/XXXX until our credit score had improved enough to be able to get a construction loan. We've missed our window of opportunity to secure a loan at a more favorable interest rate, and had to postpone begin of construction. 

Evidence and documentation is available to prove that my statements above are correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

For greater than one year I have repeatedly requested that XXXX remove US Bank 's reporting of three foreclosures occurring on the same property in XXXX when the debt was fully satisfied in XXXX. I have made formal written requests and have contacted both by telephone. They both indicate it is the other Company 's fault. The attached pdfs include a letter from US Bank acknowledging the error and blaming XXXX. Also attached, in a dispute to US Bank, is the contact from XXXX  that stated that US Bank keeps verifying the information. My dispute of XX/XX/XXXX was again confirmed as accurate on XX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft. Identity thieves have destroyed my life as well as my children lifes. Due to this on going issue I cant rent apartments, get credit cards, or start other accounts in my name. Unfortunately i was not able to find out about the theft until I reviewed my credit report or a credit card statement and notice accounts I didnt open, charges you didnt make, or until youre contacted by a debt collector.

I am requesting for the Debt Pro collect to be removed immediately, as the agent insured me it would be removed in 4days.
Product: Credit reporting or other personal consumer reports

I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.
Product: Debt collection

XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX  XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XXXX with no resolution. 
I have not applied for a loan from either of the similarly named companies.
Product: Debt collection

I've previously notified the appropriate creditors about these bogus accounts, and I've sent along all the supporting documents needed to confirm their fraudulent status. Several credit reporting agencies have quickly deleted these accounts from my credit report after realizing the bogus activities. I respectfully ask that you expedite the investigation and swiftly remove the false information from my credit report since the other credit bureaus have successfully erased these accounts following appropriate verification. XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX customer service. I value your quick attention to this issue and anticipate seeing the repair appear on my credit record shortly. Additionally, I would like a copy of the most recent credit report to be sent to the address I provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.

XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX