23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PayPal ran a hard inquiry on my credit on XXXX/XXXX/15 which I did not authorize. I was trying to make a purchase on eBay and I clicked add PayPal credit, thinking I was adding the {$10.00} I had in my PayPal account, but instead you ran a hard inquiry on my credit. I was NOT applying for credit nor did I authorize PayPal to run my credit. Please remove hard inquiry from my credit report with all XXXX credit bureaus. Customer service was very rude and made me cry, when asked to speak to a supervisor I was put on hold twice for over an hour.
Product: Mortgage

We received a School Tax Notification from GISD which is odd as we have never gotten one before due to it being paid by our Mortgage Servicer ( Mr. Cooper Mortgage ) through our escrow account. Contacted GISD on XX/XX/XXXX to see if it was paid. We were told it wasn't so we contacted Mr. Cooper Mortgage via phone on XX/XX/XXXX and also XX/XX/XXXX we were told it was processed on XX/XX/XXXX but they would check and contact me. They never did. Contacted Mr. Cooper Mortgage via online help again on XX/XX/XXXX and they told me the same again and have not fixed it or paid. We received a delinquent notice from XXXX XXXX XXXXXX/XX/XXXX now with late penalties. The original amount due was {$2100.00} due on XX/XX/XXXX. Now with Late fees it is {$2200.00} and will go up 7 percent every month until paid or they foreclose on the property.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$5200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$570.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$310.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$280.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the account listed ( XXXX. XXXX XXXX late payment XX/XX/2016 ) be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts.
Product: Money transfer, virtual currency, or money service

I made a transaction for a World Series ticket on Friday XX/XX/XXXX at about XXXX using XXXX which is a checking account to checking account money payment/ transfer. The amount was {$450.00}. I got scammed and never received the ticket. I contacted my bank and XXXX and told them this. They both stated it was a service meant to use between friends and family. Essentially telling me I am XXXX out of the money. I had never used XXXX but felt safe as it was on Bank of Americas mobile application. The fact it was on Bank of Americas site makes one feel safe. My complaint is against Bank of America. Reading numerous complaints and people feeling safe because it is on Bank of Americas site. They have no business having this service on their website. It is without a doubt misleading a person to believe it is safe.I did report this within 15 min of transfer. I expressed to them it is very wrong for them to mislead people. Again, numerous people felt secure because it was on Bank of Americas app. They got burned like I did. I ask for a refund or demand Bank of America to remove XXXX from their mobile app. Thank you for looking into this Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2021 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX CB/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX, FL
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX XXXX XXXX  SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called XXXX and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

Experian received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX These XXXX accounts listed above have been hacked in some way since a week after being open thats why Ive had to make XXXX by fraudulent transactions and when reached out to the corporation they were no help and refused to return the XXXX of dollars thats been stolen
Product: Mortgage

In XXXX of XXXX Shellpoint Mortgaging Services acquired my loan from XXXX XXXX XXXXXXXX. When I had the loan with XXXX XXXX XXXX XXXX XXXX  ) there were fees in the amount of {$2300.00} that remained on the loan when my house came out of foreclosure. These fees were added onto the back of the loan and I was told they wouldnt have to be paid until I paid the loan off. I continued to make payments and the {$2300.00} remained on the back of the loan. When Shellpoint took over the mortgage they started trying to make me pay it, instead of leaving it on the back of the loan they started adding it to every bill under past due fees, in addition they also stopped me from paying additional principal online and when I asked why they said it was because I owed past due fees. I have no prepayment penalty so it was established that whenever I sent in a payment over the payment amount that any money over the regular mortgage payment would be credited towards the principal. This worked out fine from XX/XX/XXXX- XX/XX/XXXX. When I sent XXXX payment in the amount of {$1700.00}, it arrived on XX/XX/XXXX instead of applying {$750.00} to the mortgage payment and {$1000.00} to principal. Shellpoint took a payment for XXXX and another payment for XXXX and applied the {$280.00} remaining to the principal. I called them and told them I wasnt making two payments and they needed to reverse the payment they applied to XXXX and apply it to principal. They reversed the payment and applied it to principal on XX/XX/XXXX when it should have been applied effective XX/XX/XXXX when they originally received the payment. I also talked with a supervisor who assured me she was notating my account that amounts over the mortgage payment were to be applied to principal. When the XXXX statement came out I noticed they had an additional bill in the amount of {$2300.00} for the fees that were in the back if the loan due on XX/XX/XXXX. I called them immediately and said that fee was to remain on the back of the loan and I wasnt paying it. Shellpoint told me if I looked at the statement I would see the coming payment for XXXX was {$750.00} and no additional fees would be taken out. On XX/XX/XXXX I called Shellpoint to notify them a large payment in the amount of {$5300.00} was coming and I wanted the XXXX payment for {$750.00} applied and the remaining amount {$4500.00} all applied to the principal balance. The representative said she was notating how the payment on my account was to be applied per my instructions. On XX/XX/XXXX I logged into my account and they applied {$750.00} to the XX/XX/XXXX mortgage payment, applied {$2300.00} to the fee that should remain on the back of the loan, and applied {$1400.00} to principal. That is incorrect and Shellpoint cant make me pay fees in the amount of {$2300.00} now when they go on the back of the loan.
Product: Payday loan

On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan. 

SincerelyXXXX XXXX
Product: Mortgage

Caliber Home Loans does not have a Single Point of Contact on any file. Ever. They refer you to a " SPOC Dept ''. You can NEVER get out of their prompt system. They provided a modification agreement without a term and maturity date.
Product: Credit reporting or other personal consumer reports

Transunion is currently reporting past due payments on my credit report where the date of first delinquency is over XXXX XXXX XXXX. According to the FRCA these past due payments need to be deleted. I have requested them to remove them multiple times and they refuse to do so. XXXX and XXXX removed them the first I disputed them. The account the are innacuretly reporting is XXXX XXXX XXXX  and the first date of delinquency is XX/XX/2016.
Product: Checking or savings account

My account was frozen for fraud when I called the bank for updates or the time frame in which my account will be unfrozen Im told there is no set time to in frezze the account after several weeks and they still are holding my money I have been to many branches and still no way to receive my money the bank has not reached out to me or contacted me about my money and XXXX is next week and all my money in locked in an account with no information about how or when I will receive it.
Product: Student loan

I have applied for loan forgiveness through Navient ( directly ) and the federal government, but continue to be denied even though Ive worked in a XXXX XXXX XXXX for 13 years. My coworkers have all had their loans forgiven, however Navient has rejected all my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Complant on XXXX bank Captial One bank at some time credit card was not in my on me I sent letters to banks to let them know I do not have credit cards on me never did they ask for payment late charges and keep on miss information with credit information.
Product: Debt collection

I received a call from a debt collection service  representing XXXX and the rep explained that I owed XXXX dollars I explained to him that I had questions about this debt and asked if I could verify the debt or receive verification it was me he tried to verbally verify the debt which was not fair. I have recently filed a complaint against XXXX and since they could not verify the debt they have sold the debt again.
Product: Checking or savings account

Citi bank told me theyre closing my account with no apparent reason as to why nor will they tell me, I have money in my account which I have no access to at the moment as I cant even log in. This is extremely frustrating
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX for {$2600.00}. I do not have a contract with Plaza Services, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for TransUnion XXXX and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX late/XXXX XXXX late/XXXX OK /XXXX 60 late and XX/XX/XXXX late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account : XXXX XXXX XXXX Account Number : XXXX Verification : Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED XXXX PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY XXXX. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO XXXX. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. XXXX UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! XXXX CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE XXXX REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED XXXX OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY XXXX AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENT XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH XXXX, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " ZERO '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING MENTAL HEALTH, AND 11 GOOD YRS BANKING WITH XXXX. WOULD HAVE NEVER IMAGINE XXXX WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER
Product: Money transfer, virtual currency, or money service

A scam from a business and I tried to stop the funds
Product: Credit reporting

REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX  accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure