23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Please note that a company using the names XXXX XXXX XXXX or XXXX at XXXX XXXX XXXX XXXX XXXX, SD XXXX phone number XXXX keeps placing a previously charged off and deleted mortgage lien item on my Equifax credit report since XXXX 2015. Each time I file a dispute, I receive a report from Equifax that it is being reported correctly, which it is not. Then, the item disappears and re-appears under a subcompany name. See items attached. I want this to stop, and for Equifax to be penalized for allowing this to repeatedly occur on my credit report. For example, I just received my XXXX Equifax resolution. It again reports that Equifax verified the item belongs to me. Yet, when I log on to dispute the item it is no longer there. So, I wonder when they will put it back on my report again. I have not had any business with this company, and want this to stop. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A re-investigation dispute was made to Transunion on XX/XX/XXXX and 30 days prior to that the initial dispute that the erroneous information had not been DELETED from my credit report : XXXX XXXX in the amount of {$7200.00} original creditor XXXX XXXX XXXX. The entire account is reported in error and neither Transunion or the original creditor has provided any legal contract proving that this is my account was authorized by me.
Product: Mortgage

OPTION ARM LOAN faxed in paperwork sent before sale asking for more faxed and emailed still nothing?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found many errors with 1 collection and many hard inquiries that I dispute on XX/XX/28. I got an email back from equifax stating it was correct without them doing an investigation they literally did not take the time to look into it they clicked denied info correct without proof of my signature or anything.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist Request for Deletion of Collection Account Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of accounts that have paid to Equifax, XXXX XXXX and XXXX. XXXX, and XXXX XXXX immediately deleted the accounts since the Collection was not reporting them correctly. Equifax will not, they have told me twice that the creditor has reported accurately, this is not the case as these collections have been paid in full and they still report no payment. It is puzzling to me that XXXX XXXX and XXXX  can see by my provided receipt that XXXX XXXX XXXX refuses to report accurately. I have mailed this information to Equifax twice and they also can not follow the law. I have been refused an auto loan because of Equifax refusal to comply as they are required to do so.I have enclosed documents with all information.
Product: Credit reporting

For nearly a month, TransUnion has been reporting a collection from " XXXX '' a/k/a XXXX XXXX XXXX on my credit report, tarnishing my name and making me unqualified to obtain an auto loan with XXXX due to this collection. 

I 've disputed this collection with reporting agency and TransUnion but TransUnion reported that the reporting meets requirements of the FCRA. IT DOES NOT. 

On XXXX XXXX, 2016, I called the original creditor of the debt, after investigating, XXXX XXXX discovered that the payment I made before my account was turned over to XXXX was credited improperly. XXXX pulled my account out of collections. 

The debt collector, XXXX companies, says that TransUnion is reporting the information on this collection account and they 've already requested to have it removed from my credit file. 

TransUnion is tarnishing my credit file and making me ineligible for auto financing. I demand they stop reporting this collection. XXXX and XXXX have n't reported on this debt in over 3 weeks and TransUnion says it meets FCRA requirements. 

I am willing to speak to the media about TU if necessary.
Product: Credit reporting or other personal consumer reports

This is my repeated attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. XXXX the inclusion of any information in my credit record that resulted from a stated fraud or fraud, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$4100.00}.
Product: Mortgage

Chase  mortgage is trying to foreclose on my house stating that I was behind on my payments. Which I wa s one or two pay ments behind but they are saying I was 6 months behind. I looked back through all my mortgage statements and I ca n't really make sense of them. I do n't believe they posted all the payments I made to my account and I have proof of payment plus I have proof from my bank they cashed the cashiers check they required me to send. On my year end  XXXX  statement Chase took the whole years worth of payments and instead of deducting my principal by that amount they added the amount I paid to the principal. I bought my house in  XXXX  and by the year  XXXX  after five years of payments I owed as much as I bought my house for. I need someone to please help me please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Synchrony Bank pulled my XXXX XXXX Credit report for a Pay Pal credit card. I have sent numerous letters to the company right after I was notified via XXXX asking questions in regards to that inquiry. I have received response from the company several times, however nobody can seem to answer my questions as to why, who, how or for what reason my credit was pulled. its been now over 6 months and I still have no answers. with the last letter received earlier this month by a company rep named XXXX XXXX who told me they would like to resolve this issue, I have tried to call twice and left voicemail each time. I have not heard back yet and it has been a week now. They have been stonewalling my requests and are not forth coming whatsoever at this point. I have a screenshot of the credit inquiry from XXXX as proof as well as a copy of my XXXX report. I am annoyed at his moment with the lack of responsibility this company shows.
Product: Mortgage

Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. Please help
Product: Debt collection

Hi my name is XXXX XXXX I am writing you to let u know that I had already talked to a representative regarding this... it was found that it's not my account and I have never had a XXXX  account before in my life. My XXXX  was stolen by my XXXX XXXX XXXX XXXX using my information about it. I need this taken off my credit XXXX soon as possible I don't nor have I ever owned a XXXX  phone needs this remove asap. Thank you XXXX XXXX ps the company or debt collector is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is quite frustrating being in this situation. The credit bureaus are no help, the customer service is rude. I am sad and it is taking a lot from me, I am strong and I will like for this to be resolved Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I have Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 knowns or has reasonable cause to believe that the information is inaccurate. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681 section ( 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 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Victim of ID theft, I am being contacted about a debt in the amount of XXXX dollars By Conserve/XXXX XXXX. I have no business with this compnay.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX
Product: Student loan

I have loans with Navient, my monthly payment changed from about {$80.00} to {$230.00} without the proper notification. I have been steered several times over the course of this loan to take a forbearance and have done so because they have been difficult in providing the option of a finance-based loan repayment. Please help. Thank you.
Product: Money transfer, virtual currency, or money service

I use the Robinhood brokerage account, to receive an XXXX XXXX transfer to my wallet. 
later I found out that it is a Custodial wallet. 
I do not have access to a recovery phrase ..., this is not the RobinHood wallet, this is the RobinHood brokerage account, that I use for stocks. 
I sent XXXX  with XXXX from XXXX, I clicked on my XXXX wallet and I clicked receive in order to get the receiving code. 
Since XXXX and XXXX are on the same network, it still shows up in my wallet. 
that's not the problem. The problem is accessing those funds. being that I do not have a recovery phrase. The only people to have the recovery phrase to send back the amount to the original wallet is the management of XXXX XXXX and they've been tossing me back and forth and not working with me to recover These funds of * XXXX XXXX I'm hoping you will help me out here to recover this funds I will attach the information about this transaction here : Robinhood XXXX XXXX : XXXX Interacted with XXXX XXXXXXXX : XXXXXXXX XXXX wallet : XXXX Transaction XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ever since the XX/XX/2017 Equifax data breach I have maintained freezes on all of my credit reports. Recently, I had to login with the three major credit bureau websites to temporarily lift my freezes. When I create online accounts that contains sensitive personal information I always enable XXXX settings to better secure my accounts. When I logged into my Equifax account I was surprised when I wasn't prompted for a XXXX code like I was with the other two bureaus. I checked my account settings and sure enough XXXX isn't even an option. How is Equifax lacking a proven security feature six years after they failed to protect customer information? Has Equifax learned nothing? If I had the ability to remove myself from their service, I would, but since credit isn't option I'm forced to endure their continued gross negligence.
Product: Debt collection

I received a letter in the mail dated XX/XX/2016 stating that I owed my previous apartment complex the XXXX at XXXX for damages pertaining to carpet replacement for a fee of XXXX, stove top replacement XXXX, blind replacement XXXX and an extra cleaning fee of XXXX. I called the complex the following day to find out how they came up with these charges. I spoke with XXXX and she could not even describe a specific location of where the carpet was damaged. She also told me she was unsure of how they were charging me for blinds but I need to pay up. I also sent them a certified letter asking for proof. They failed to respond to the letter but instead sent the bill to a debt collection agency. Also I asked for proof of the damages with pictures and bill receipts showing the work was done and I never heard back. I am writing to inform you of the unfair practice of the XXXX at XXXX XXXX. They need to be thoroughly investigates as I am worried that I am not there only victim. I have a lawyer and have disputed these charges. 
thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 Balance : {$84000.00}
Product: Credit reporting or other personal consumer reports

This account # XXXX, account type-credit card, date opened XXXX status- closed XX/XX/XXXX status-closed, {$430.00} written off.status updated XX/XX/XXXX balance {$0.00}, Balance updated XXXX-recent payment-monthly payment {$0.00} credit limit- {$300.00}, highest limit- {$430.00} ... this account only appears on the Experian credit burea, it is not and never was reported to XXXX or Experian.if they still choose to say it belongs to me I demand evidence as in paperwork sent to my address because it's not my debt.
Product: Checking or savings account

Received an email from my credit union on XX/XX/XXXX XXXX Schools First of California- that my account email had been changed. Went to check my account and someone had been using XXXX to connect to my Savings account, evident through microdeposits and withdrawals. I tried to freeze the accounts with my credit union, but they said they could change all of my accounts except the one that had been compromised, because it held my " stake '' in the credit union. They assured me they would cover any losses, and put a stop payment on XXXX, and told me to keep an eye on it. 

A few days later there were new micro deposits and withdrawals from XXXX. I called the credit union again, and after several hours on hold they told me someone would call me back within five days. I found this insufficient action to protect my life savings, so I asked them to close my accounts. They wired the money to a new account I had opened that day and told me that confirmation of the closed accounts would follow in the mail. I'm not sure if they looked into who accessed my account, but the email address they used was XXXX. They also email bombed my email address the same day they changed my email address in my bank account. 

I'm hoping my identity information has not been further compromised.
Product: Credit reporting or other personal consumer reports

I have reached out to Capital One twice in the past 4 months. I have requested that they provide me a copy of the charge off they are listing on my XXXX, XXXX and XXXX credit reports. I have also requested the amounts, the source, or explanation of where the payments from XX/XX/XXXX to XX/XX/XXXX may have come from, as these payments could not have been made by me. Nor would the XXXX, XXXX XXXX, XXXX and XXXX of XXXX. Capital One is doing this to Reage the account. This is known to be a commom practice with Captital One and is a violation of the Fair Credit Reporting Act.
Product: Mortgage

My home has been appraised by a bank appraiser that I did not get to chose, and my home is now valued at {$190000.00} while my current loan has {$150000.00} remaining. I called on XX/XX/2020 and the mortgage lender, ONQ Financial, told me I was splitting hairs and that they would not remove the mortgage insurance premium. I called back on XX/XX/2020 to discuss further as I have 20 % equity in my home and believe that is NOT splitting. I should be allowed to remove PMI from my loan. Now I am being told I will have to have another appraisal done by an appraiser of their choice. If they want to pay for the appraisal, that would be okay, however they want me to pay for a second independent appraisal. I feel I am being gouged by being forced to pay PMI that should have been removed when my loan reached 80 % of appraised value. That has been achieved and the PMI should be removed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am not familiar with them, and the company acted without my authorization.
Product: Debt collection

XXXX was performed at XXXX hospital in XXXX, GA on XX/XX/XXXX.  Insurance was filed with XXXX. Received EOB that part of the claim was denied due to XXXX not obtaining appropriate precertification. Bills started coming from XXXX and at least one phone call a month asking to be paid. EOB stated that I was not responsible for the fee. Called and spoke with XXXX and they stated they would pursue with insurance company, XXXX. Kept receiving bills and phone calls once or twice month. XXXX issued a new EOB that the previous denial had been reversed and paid more money toward claim and again stated the bill was paid in full as the rest of the balance was a contractual write off with the insurance company and XXXX and that I could not be billed. Again, the phone calls and bills kept coming. Spent many hours on the phone talking to both companies to resolve the issue. Had XXXX and XXXX on a three way call for XXXX to inform XXXX that I had satisfied my responsibility for the bill and did not owe any more. Still the calls and bills kept coming. Received a call from XXXX XXXX XXXX collection agency on XX/XX/XXXX, without written notice, that the debt had been turned over to them and they were trying to collect. Again, tried to explain that I do not owe. Again called  XXXX and they attempted to call XXXX and they refused to talk to the agent.