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

i contacted this agency in XXXX the information is inaccurate. i have never given anyone my permission or consent to report my private information. as a consumer i demand all information on my report be eliminated as the law protects me from this fraudulent reporting. and you know what i am referring to.my credit has dropped. due to several inaccurate reporting and never have you verified by law my credit or the third parties reporting, stop and desist. take all information off my credit inquiries i do not recognized how is it possible i reached out to you and told you what was going on and you have done nothing you are in violation of several laws as a consumer you are violating my rights i do not want anything reported as you can not and do report accurately. 
stop clear up this file
Product: Debt collection

XXXX XXXX sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. XXXX XXXX is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.
Product: Credit reporting or other personal consumer reports

I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX  XX/XX/2022
Product: Debt collection

Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.
Product: Mortgage

We made a complaint in XX/XX/2022 about this company not honoring our loan modification after our mortgage was sold to them. They responded back and said they would honor it if we paid the past due amount of {$7700.00} by XX/XX/XXXX. This closed the complaint. They received over {$20000.00} on XX/XX/XXXX which brought our account current with almost {$14000.00} left over. Now they are saying because our account is current, they wont book the loan modification as they said in their written response to us and the CFPB.
Product: Mortgage

I had 15 missed payments with the PNC bank during the Covid times. After the forbearance period ended, I resumed making monthly payments. However, the bank consistently sent notices stating that I had to cover the overdue payments from the Covid period or modify the terms of the loan. 

They proposed a new plan, which involved extending my loan for an additional 17 years. I did not accept this offer and sent several letters requesting them to defer the missed payments to the end of the term. I could not agree to extend the loan for 17 more years ( i.e., 204 payments ) due to just 15 missed payments. 

Unfortunately, they ignored my letters, and the calls did not yield any results. Suddenly, I received a letter stating that the house had been scheduled for foreclosure, with the auction date set for XX/XX/2023. They are demanding a reinstatement amount of {$60000.00}, or the house will be sold at auction. The amount they are asking for includes the 15 missed payments from XXXX and the payments from XXXX to XX/XX/2023 while we were discussing the loan modifications and the attorney fees.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting an alleged bankruptcy and stated it was verified. I myself reached out to the federal court house clerk of court and they stated that courts do not release any court filings and documents submitted to pacer does not provide enough information to identify any individual because its protected information furthermore neither credit bureau provided me with paperwork that had my signature proving that the bankruptcy filing was indeed mine. This is required under FCRA.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, Transunion and XXXX data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Product: Debt collection

Step 1 : What is this complaint about? Being harassed and tormented with e-mails every day for a {$5000.00} loan I have to pay back after I sent them a letter asking them to stop contacting me. One Main completely ignored it. How can I pay them back if I dont have a job? My other creditors are not panicking that I havent made my monthly payments. 
Step 2 : What type of problem are you having? I used to be tortured with phone calls every day to collect the debt. I put a stop to that. Now I am receiving emails every day from One Main. Now I am wondering did I take out a loan from a financial company or did I take out a loan from the mob? 
Step 3 : What happened? I do not have a job, I have been trying to get one since  XX/XX/2017. I have applied for over 250 jobs and have not been able to secure gainful employment. I also applied for a job at One Main. No response from them. I am also working with a job recruiter. When I fell behind on my monthly payments I started receiving phone calls every single day. The gentlemen from One Main stated the status of my account and asked when One Main could expect to receive payment. I explained my situation to him and the next day I got another call from him stating the very same thing. This went on for days. I explained my financial situation to the gentlemen from One Main again and again and asked why he was torturing me with phone calls every day and he told me its my job. So, I called their main branch office and got a customer service phone number and explained my situation to them and they put a stop to the phone calls. Now I get emails every day and now a letter saying they are going to turn my account over to an attorney for collection. Is it lawful for a company trying to collect a debt to treat people this way? I really dont know what to do with this creditor. This company is heartless and relentless. They prey on the elderly who are down on their luck. If I call them they will say the same thing to me again that they always have. When can we expect payment on your loan or we have payment options. What good are payment options when you dont have a job. 
Step 4 : What company is this complaint about? One Main ( lending company ) I wish I had never borrowed money from this company. When you go on the internet for One Main there are 2,902 consumer reviews and complaints. 

Step 5 : Who are the people involved? Myself, XXXX XXXX and XXXX XXXX from One Main.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report and make flags on credit report and today that caused a XXXX point drop. This account shows evidence of fraudulent activity and it has been disputed with experian. 
Experian continues to OVERLOOK the inconsistent information that proves the account does not belong to me ( XXXX XXXX ) It is against the FCRA to knowingly yet willingly report wrong information. Especially after being notified multiple of times. 
The company was asked to validate the account and the results is not accurate with the timing and location. The account numbers aren't the same. On the validation request letter the account reads, ( XXXX ) and Experian has been reporting a different account number ( XXXX ) Experian is bogus for this but will ignore that and continue to add negative marks on my credit report, intentionally. 
Experian reports date open as XX/XX/2021 I have absolutely never transacted business with either company at any time. Also, VERY important to note, the company in question, XXXX was no longer in business on open date of XX/XX/2021. These companies lie so much. 

Experians report uses address ID and the ID being reported is ( XXXX ) However the company validation states the account was created using the address of XXXX XXXX XXXX XXXX, Ohio. According too experians records the accurate address identification number for the verified address is ( XXXX ) During all the different dates listed I still lived at home where I was raised, XXXX XXXX XXXX XXXX Ohio and I was still attending high school. 

Experian along with these other credit reporting bureaus never want to admit their wrong and make it correct and accurate. It seems their actions are intentional. I should not take 50 rounds of disputes with evidence to show the reporting agency has made a mistake. This is a persons life you are intentionally trying too hinder. 

Looking at the documents i've included, anyone can clearly see the account isnt legit. When accounts are legit, ALL the information matches up and make sense. According too dates on the original creditors validation letter the account would have been open when I was still a minor at XXXX and with no valid identification, which is required too open any account. Make it make sense. This account should have been removed MONTHS ago. The company was also contacted with this information of trying to hold a minor responsible for an account that was created when only XXXX XXXX XXXX. It's against the law and shouldnt have ever been on my credit report.
Product: Prepaid card

XXXX. In XXXX of XXXX, I received an American Express XXXX  from the attorneys at XXXX XXXX XXXX ( a law firm ) in the amount of XXXX. 
XXXX. After several unsuccessful attempts to access the card via venders ( i.e. XXXX XXXX, XXXX XXXX and XXXX XXXX, I contacted the person who issued the card on behalf of company as a holiday gift to their employees. She contacted the vendor and they informed her that I should continue to contact the help number on the XXXX  card ( XXXX ). 
XXXX. I called that number a few times in XXXX and XXXX, provided the information they requested and they informed me that the amount was still {$480.00} and but I should continue to try to use the card. 
XXXX. Sometime in XXXX I was informed during a call with a member of that help line that the card now contained only {$0.00} because a charge had been made on it. I said this was not mine and was told that they need to file a fraud complaint on my behalf and I that it might take up to 90 days. 
XXXX. On XX/XX/XXXX I received an email from CardDispute at XXXX which contained a PDF of the charge made and asked to verify if this was the fraudulent charge. I did so and sent that response back. ( XXXX XXXX. XXXX ). There email stated the below : XXXX, DISPUTE RESOLUTION TEAM, XXXX XXXX XXXX, XXXX GA XXXX which is different from the first mentioned email XXXX. On XX/XX/XXXX, I received a response from XXXX that stated I was responsible for revealing the information on the card and therefore I was responsible for the fraud. 
XXXX. I found this response unacceptable and again called the XXXX. I insisted that they file a new dispute and that someone needs to call me as the information provided offered no explanation as what actions had been taken. 
XXXX. When someone called me, I presume from center, I was informed that they closed the case and a check for {$0.00} was sent to me to close the account. 
XXXX. This is outrageous because as the only time I provided any information regarding the ecard was to the persons at the XXXX number. It was only there that any information was provided by me in an effort to resolve. 
XXXX. I have made several email attempts to contact XXXX and they provide no response. 
XXXX. I have tried to contact American Express and they state that the XXXX XXXX XXXX is apart from them, and they refer me back to that above XXXX number. Of course, names are not identified. One person at American Express tried to find back channels but said she faced a brick wall. Also any and all searches, including to America Express regarding AM XXXX cards eventually lead me back to that same number. Clearly it is made extremely difficult to contact people other than through the emails that provide no resolution. I would hazard to quess that this byzantine setup to get accountability provides AE XXXX and American Express with a large amount of funds in the form of abandoned XXXX cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its well over 30 days since Ive initially disputed accounts on my credit report and I still havent received any response from the three major credit bureaus. I havent received any confirmation on how the credit bureaus have verified the accounts. CFPB will receive documents from me for rectifying the subterfuge that you are reporting.
Product: Credit reporting or other personal consumer reports

It is extremely distressing to know that my credit report have been accessed by these companies without my consent nor authorization. It's a blatant violation of my rights as a consumer.
Product: Credit card

" I want to reiterate that ignoring my dispute is a clear violation of the FCRA 611 ( a ) ( 1 ) ( A ) ( g ). This states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. " I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) -Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights i am a victim of identity theft. a identity theft report has been filed. 

XXXX of Account-XXXX XXXX XXXX XXXX Account XXXX XXXX Date XXXX Balance {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to all three credit bureaus. I also submitted a police report of identity theft. They made no effort to eradicate the items off of my report even with proof of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see repetitive 30 -60 days late marks which is a clear violation of my rights under the FCRA. I was never late on this account. What's the method used to verify this account? Please send me the documents that prove I was ever late.! Also, the date last active is inaccurate. All 3 dates should be the same.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Checking or savings account

I have had issues with my Venmo account for probably the past two months now thats the my account that I have my direct deposit go to. Im not able to access my funds normally like at all I cant make transfers. Theyve asked me for security of things that you know to verify my identity Ive given them everything possible. I have added my phone for a trusted device. Ive added multiple phone numbers. Ive added a bank account. Ive done everything. Theyve asked me to do and they are holding my money against me they wont let me close my account and they will not release my funds to me, they wont even let me talk to anybody. They wont release any information to me. They will not do anything to help me. Just want my funds. I have a family I need to support and I am not able to do that with him. I overdid my measures with them. Ive been calm. Ive been collected. Ive been relaxed, but now its getting out of hand now its just been too much and I just want this fixed and I want to be compensated for all this and time and this difficulties inconvenience that Im having because Ive done everything that theyve asked me to do but they will not do anything to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

i checked my report and noticed an account from Midland Funding for XXXX still remaining that i paid and was promised it would be deleted.
Product: Credit reporting or other personal consumer reports

While checking my accounts on the XXXX XXXX XXXX I noticed a credit card account from what appears to be a department store. There is a current balance of {$7900.00} that does not belong to me. I am requesting an investigation into this. The account says it was opened on XX/XX/year>. Thank you. Thank you.
Product: Checking or savings account

Bank of America charged me several overdraft fees and other miscellaneous fees. They were allowing unauthorized withdrawals to be taken from my account. When I addressed the issue and asked for a statement, I received nothing. I had a few dollars in my account. Next thing I know my entire account both savings and checking were closed. They did even send me a check for the balance I had in my account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  # XXXX In XX/XX/2020, XXXX mortgage, without prior notice, increased my mortgage payment by {$300.00}. When I inquired why, and informed them that a {$300.00} increase, without notice would throw me into a foreclosure situation, They provided no explanation, other than my escrow balance was short by thousands of dollars. I called the escrow department in a desperate attempt to obtain answers, and was transferred to XXXX XXXX in late XXXX, after I acquiesced and scraped together the difference to avoid a late payment fee {$1700.00} ( old payment was {$1400.00} ). Mr. XXXX was courteous and professional and asked me to send proof that my RE tax bill had actually decreased due to my first time FL Homestead application. I sent it to him, and he returned my calls and emails after 2 weeks. He said that he was still working on my issue, but failed to give me an update after another week of waiting. I called today and spoke to XXXX and XXXX ( Supervisor ). XXXX was rude, condescending and unhelpful. She could not tell me why there was a deficit in my escrow account of {$2400.00}, even after my tax bill was reduced by $ XXXX- {$800.00}. I called back and spoke to XXXX and received some encouraging news, but was still forced to pay $ XXXX. XXXX promised that they would perform a new escrow analysis but couldn't tell me when the results would be ready. 

During this very stressful time and in the middle of a life altering pandemic, Shellpoint Mortgage have showed no compassion, leadership or kindness. {$300.00} more per month, without notice could force me into foreclosure. It would appear that the shortfall was their negligence My tax bill is less and my mortgage payment is higher. I contacted my insurance broker and the premiums have not gone up substantially. I need help navigating through this financial calamity. Shellpoint Mortgage have provided no assistance. I would think that consumers would be protected from opportunistic predators like Shellpoint Mortgage. I'm hoping that this agency can assist. 

Thank you, XXXX XXXX