23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm victim identity theft I have disputed this with transunion XXXX for sum of {$250.00} was deleted not mine some one with similar name removed back on XXXX XXXX sum of {$3900.00} wow deleted due too not mine some one with similar name back on transunion has negelected me buy removing paid as agreed loans such as ford acct XXXX sum {$35000.00} removed its positive account opened XXXX XXXX closed XXXX XXXX ally financial opened XXXX XXXX closed XXXX XXXX sum of {$27000.00} they have been called they see it in there archives I have asked for them too re-report it they agreed too put it back on due too typo error in there behalf yet too be re-reported I asked them please put back on my loans with texas XXXX XXXX XXXX loans starting in XXXX XXXX sum of {$32000.00} closed in XXXX XXXX then XXXX XXXX closed in XXXX XXXX sum {$18000.00} then XX/XX/XXXX closed in XXXX XXXX sum of {$25000.00} nothing they will not re-report what they removed with out my consent nor do they care about what there reporting I have for some on reason XXXX inquiries from XX/XX/XXXX too XX/XX/XXXX wow I have begged them too delete these inquiries there hurting me really bad there not mine according too the fcra they must delete everyone them at once due too fraud there wanting police report I sent lawyers report as town I live in do n't do reports as I told them my attorney gave me statement too mail them they ignored it they have done nothing but injure me really bad I hade XXXX fico XX/XX/XXXX know I do n't know there not following the fair credit reporting act please help me thanks
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation Dear Whom Is my concern, I am writing to request validation of the debt referenced in your correspondence dated [ insert date of the debt collector 's letter you received ], which claims that I owe an amount of [ insert amount ]. This request is made under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide me with the following information : XXXX. The amount of the debt you claim I owe. 
XXXX. The name of the original creditor. 
XXXX. Documentation that verifies I am indeed responsible for this debt. 
XXXX. A copy of any judgment ( if applicable ). 
XXXX. A detailed account of any fees or interest that are being added to the original debt. 
XXXX. Proof of your authority to collect this debt on behalf of the original creditor. 

Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agencies. 

Please send the requested documentation to my address listed above within 30 days. If you are unable to provide verification of this debt, please inform me so that I can take appropriate next steps. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

in accordance with the FCRA convergent account account XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX HAS VIOLATEDMY 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 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX no autorizada XXXX Bank XX/XX/XXXX no autorizada XXXX XX/XX/XXXX no autorizada CoreLogic XX/XX/XXXX no autorizada XXXX XXXX XXXX XXXX XXXX XXXX no autorizada XXXX Bank XXXX XXXX XXXX no autorizada XXXX XXXX Section XXXX
Product: Money transfer, virtual currency, or money service

I gave my son in Vermont a {$1000.00} check to put into my checking account. He apparently opened a Venmo account for me and put the {$1000.00} into it. Now, I cant sign in to Venmo and My husband and son have spent 2 total hours trying every way possible to get the {$1000.00} into my checking account. Their phone number robot says theyre unable to handle any problems over the phone. It recommended that I go to Help.venmo.com, but I have tried that 10 times and I cant get into it. Please help me.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit card or prepaid card

I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Product: Mortgage

Did a Modification loan in XXXX with XXXX. The first one they did in XX/XX/XXXX they raised the payments about a XXXX more than the the original XXXX. I made that payment in good faith. They had to go back and redo the loan. At the time the balance was XXXX..0n XX/XX/XXXX XXXX was wavied.. the share wavied XXXX on XX/XX/XXXX of shared wavied XXXX. XXXX XXXX took over the loan servicing in XXXX XXXX XXXX bought it in XXXX at XXXX. With XXXX Waived XXXX They took the Wavied and turn into Defferred ... because they say payments was late in XXXX the modification was 2 years not XXXX and have been charged so many fees it's ridiculous.
Product: Credit reporting or other personal consumer reports

Equifax for the 3rd time has changed the remarks code on the XXXX XXXX XXXX XXXX ACCOUNT account number : XXXX. It's come to my attention that this is a way to reduce my credit score and reduce my opportunities and job prospects. I estimate the total dollar amount in losses are {$750000.00}. Please delete this account from my credit report, so this person will stop doing this and harming me. Thank you.
Product: Debt collection

National Credit Adjusters placed a debt on my credit report on XX/XX/XXXX that I have no knowledge of nor did I ever receive written communication regarding this debt. National Credit Adjusters never sent me any type of written communication or proof that this debt belong to me. This company did not try to contact me regarding this debt or provide proof prior to placing this debt on my credit report. Per FCRA debt collectors are legally obligated to send out written notification/bill regarding debt as well as giving a consumer 30 days to dispute/respond PRIOR to placing a debt on a consumer report.
Product: Mortgage

I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. 
B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. 
They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!
Product: Checking or savings account

This is a follow up to complaint ID XXXX The bank has provided documentation but it simply lists the transactions I was attempting to dispute. There is no further information about the grounds for denial or the merchants response. I have also in this time successfully disputed transactions from this same vendor for this same reason with another bank. The documentation XXXXXX/XX/XXXXhas sent me is attached and they say no further information is available
Product: Credit reporting or other personal consumer reports

In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. FTC HAS BEEN FILED
Product: Payday loan

Speedy cash without my permission debted my checking account twice. This unauthotized transaction caused my account to be insufficient. Spedy cash was suppose to cash my personal check not debted my account.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Original creditor XXXX XXXX {$2400.00} Account info Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card XXXX Original creditor XXXX XXXX {$2400.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX {$1000.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX  Account type Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX, Experian and XXXX requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XXXX XXXX XXXX  and to notify them that I am halfway to taking lawful action and litigate XXXX, Experian and XXXX for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through the bankruptcy court directly. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives TransUnion information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to TransUnion showing them that the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it. I also sent them a copy of another credit bureau called XXXX deleting the bankruptcy off my report because they could not verify the information giving more proof on why they should delete it as well. After receiving my letter on XXXX where I give TransUnion proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.
Product: Mortgage

Loan Depot reached out to me stating that I was behind on a payment for XXXX payment, I stated this could not be because I should be one month ahead on my loan. The employee looking into it asked when was it that I made payments and I ran it down to her even explaining that I was called in XXXX XXXX time frame about a missing payment that was mailed to them in XXXX different checks XXXX for {$580.00} & {$1700.00}. 

{$2200.00} is the Loan Amount for this loan. Loan Depot received a partial payment in XX/XX/2024 that they stated was not enough to make the payment, they then stated that the {$1700.00} was being reversed but it never came back to me. They applied to principle XX/XX/XXXX of {$580.00} and then applied to the payment XX/XX/XXXX applied to principle. As it stands Loan Depot has {$2200.00} wrongly applied to principle that was never requested to be applied. They are stating they just have {$580.00} wrongfully applied but I never requested that any funds ever go to principle on this loan and request help with a full audit of the account. 

Loan depot sent me a Letter saying they would return the money and until now I have not received any funds from them. I would like the funds that they are holding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I respectfully ask the CFPB to fully and thoroughly investigate the fraudulent and illegal conduct committed by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its lead counsel XXXX XXXX XXXX, XXXX. ( XXXX XXXX. XXXX ) and his law firm of XXXX, XXXX, XXXX XXXX XXXX XXXX, for repeated violations of the applicable law, as detailed herein and other violations as deemed proper and necessary in XXXX discretion, not only in my case, but also for any other instances of such predatory and persistent violations of the law, given the fact that XXXX  is XXXX of the largest publicly traded XXXX, engaged in leasing properties to the public. Given the XXXX extent, pervasiveness, and brazen manner with which it has committed these illegal acts, clearly, my case is not the only XXXX, thus fully warranting CFPBs to open a wide ranging case of investigation into XXXX and its more than XXXX affiliated entities operations. 
See attached Complaint Letter and the Exhibits.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX Last 4 of SSN XXXX XXXX I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE of {$330.00}. XXXX XXXX XXXX This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliant reporting standards. According to the FCRA I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as this account removed. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are reporting a debt on my credit file for XXXX XXXX. This debt is being reported in error and it is not valid. it's needs to be removed off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # 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: Debt collection

MEDICAL DATA SYSTEMS INC has a false debt in my name for this amount of {$540.00}. I was a victim of identity theft, and I need this debt to be removed from my name.
Product: Money transfer, virtual currency, or money service

I tried to use XXXX  to receive a payment on XXXX for some snow tires I put on XXXX XXXX  They wanted a business account for the XXXX. And had to pay XXXX dollars and in order to get that money back, I'd have to refund them. 

They said they sent the XXXX twice and in order to get the money back I'd have to send another XXXX With chime banking pay anyone feature I sent them XXXX in total and never got the money back, I asked chime to help get my money back and they didn't do anything
Product: Mortgage

My name isXXXX. I purchased my house is XX/XX/XXXX. Due to financial stress, since my wife does not work, my loan officer suggested I apply for a loan modification. We started the process in XX/XX/XXXX, and after what seems like eternity I was finally approved in XX/XX/XXXX. ( I attached a letter of approval from MrCooper the Mortgage Company ). My payment dropped to {$1700.00} and I had to complete a trial payment for 3 months. I made all 3 payments in the time allowed based on the approval letter. I did not miss nor was I late on the payments. But on the last payment I had Initially scheduled that payment online for XX/XX/XXXX. But due to my pay being a little short that week, I called MrCooper customer service on XX/XX/XXXX and ask to reschedule the payment for the XXXX of XXXX which is still within the time frame of the due date. But apparently the agent I spoke to has changed they payment categories causing my third payment to show on their record as unspecified payment instead of the normal monthly payment. My loan officer and I have been calling MrCooper customer service for over a month now to have this error correct and issue the final agreement for the loan modification, but we have seemed to hit a wall. We keep getting different answers every time. Initially they stated that they did not receive the signed initial approval letter. So, my loan officer resent it to them. We waited a week, still no movement we called back, now the agent at first said they didnt receive the 3rd payment after we insisted, she went back and looked and advised they did in fact received the signed letter and all 3 payment. She advised she will send a request to have the proper department issue the final loan modification letter. We waited another week and only thing I received in the mail is a letter of Foreclosure Pre-Sale. We called ( my loan officer and I ) called MrCooper back and the agent once again stated that she is sending a request to update the record for the 3rd payment and have the proper department send the final loan modification and she stated it will take another 10 days. Meanwhile MrCooper lawyer still proceed with the Foreclosure process and after 10 days of waiting for the final loan modification, the only letter I received is another letter of Foreclosure Pre-Sale.

I do not want to lose my house ; please can you help me get this straighten out with MrCooper. I feel like they honestly dont care to correct the mistake that their own employee had made by mislabeling my 3rd payment, and just want to get me out of my home. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to buy a car today XX/XX/19 and when they ran my credit I was told that I did not qualify for a low-interest rate due to my credit being in bad standing. I had no idea that there were accounts reflecting badly on my credit before today because I always make sure to pay everything on time ; When I looked through the accounts, I immediately realized that they do not belong to me. These accounts were opened by someone else without my permission. I don't know who is responsible for this but I have already filed a police report. I did not make any payments towards any of these accounts nor did I gain anything such as money, goods or services from any of these accounts.