23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My parents house was forclosed on. By me being a XXXX my fathers credit has always been mixed with mine. My father has been XXXX for almost 15 years. I need this off and inquires also. I need this off I want to buy a house some older things need to come off also.
Product: Debt collection

Never had a contract with this company. Debt does not belong to me. Its in violation of the HIPPA LAWS.
Product: Debt collection

XXXX / XXXX / 17   XXXX   XXXX  I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.
Product: Debt collection

Repeatedly calling phone and texting my wifes phone. 

I have no knowledge or association with this account or any implied ownership of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, equifax and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.
Product: Student loan

I am trying to speak with someone at Mohela to discuss my payments. They are not able to be reached. You are placed on hold indefinitely when calling customer service.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was compromised by Equifax with millions of others. My XX/XX/XXXX Federal Tax return was then compromised. i could not get my credit report.online. On XX/XX/XXXX, I called Equifax and had to talk with two different agents. I asked about my credit report. after going through years of credit identification, I was told of the personal name errors and address. I ask them to clear all of them but my first middle and last name. And clear all addresses except the one I have used for the last 20 years. The last three years credit cards, car loans and mortgages were correct. 
I was mailed a dispute confirmation number with my son 's name on it not " mine '. I am his mother. On XX/XX/XXXX, after receiving their email, I talked to two more agents for an hour.They both said I had to send in more identification or file a dispute online. i could not file a dispute because it would not take my social security number or email I've had for 30 years. the last agent walked me through the disput forms online and said I had to file under my sons name. But '' his '' SSI is  different. She could not help me. Identity theft is a nightmare and it comes from this company.
Product: Credit card

During the Covid 19 pandemic, my then now ex husband left me and my XXXX children with debt, this credit card was one of the debts I was left to pay on a fixed income. I filed XXXX XXXX bankruptcy, XX/XX/year> which included this debt. This credit card is on my credit report which has decreased my credit score and hindering me from purchasing a home for myself and XXXX children.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated 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
Product: Debt collection

Paypal is attempting to collect a debt from what they claim is a chargeback from a buyer. This is an issue involving {$2200.00} for an item that was shipped to a PayPal user who subsequently damaged the item severely and is attempting to get his/her money back. Paypal had already closed this case out twice. I have the evidence backing that the item was damaged by the user. Paypal stated that they had contacted me about the chargeback case, yet they could not verify this. I have multiple emails from Paypal, yet none regarding a chargeback issue. They originally stated that they would handle it when I finally saw that they were debiting my balance by {$2200.00}. Subsequently, they stated that there was nothing they could do, it was not something that they covered under seller protection. The original shipment is from XXXX and the chargeback issue is from XXXX, I believe, as they won't verify that either which would make it beyond the 60 day window for a CC company to attempt to file a claim. 

This is not an item not as a described case, as the item was shipped as described and damaged by the receiver. 

This is under their dispute : XXXX
Product: Credit card or prepaid card

I opened up a membership with Costco. During the process, the staff member asked if I would like to apply for a Costco credit card. I know my score is at least XXXX so I figured I would get approved. I submitted it and it came back that they needed to verify information and to call a specific phone number. I called the number and they wanted me to verify my telephone number. I did and it denied me based on my phone number I guess. She said I would receive a letter explaining why it denied me. I get this generic letter with zero information on it except that they were unable to verify information. It doesn't give me the option to provide them with any additional information and it doesn't give me any specific information on the denial but it put a hard inquiry on my credit report. I should have been afforded the opportunity to provide documentation and they should re-review my application instead of casually denying my request with zero explanation and zero opportunity to submit the required documents.
Product: Debt collection

The company continues to add on fees that I am unaware of. I understand that yes, I get behind on making a payment. But, when I make the payment, I am always told this will take care of what needs to be taken care of for that month. The next thing I know, I am getting other charges saying I have racked up numerous late fees that were never disclosed to me. When the company went under another company, all of a sudden these fees were always there. 

The most recent instance took place in XX/XX/XXXX where I talked with one of the lenders, and he clearly stated the amount I am paying will satisfy what I owe for the month. Then I get a letter in the mail stating the amount I paid did not satisfy that month and they needed more money.
Product: Debt collection

My elderly Dad received a call from ( XXXX ) XXXX. The woman asked who he was and was looking for me. She made him very upset. I called the number back and the women stated that she was from the Company Harris and Harris and that I was being recorded. I asked what she wanted. She said I owe money to the XXXX. I had already worked the pay back with the XXXX office and told her that. She became very forceful and we both started arguing. I think this company is a scam from what I saw on the internet. I want them stopped if possible. 
Thank You
Product: Mortgage

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX & XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Early this year Credit Karma in 2022 kept sending me pre approved emails and when I would go onto the website to check my score. Therefore, I thought I was going to get a credit card of {$15000.00}. So I applied for the card and I got denied and then I was approved for {$1500.00} instead of the {$15000.00} and I was very upset because I was going to take a trip with family. A trip that I deserve because my husband passed away unexpectedly and I needed this get away. This took my anxiety over the limit and I havent even gone back on their website to check my report. Im afraid of all the lies and broken promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and Experian and XXXX have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, XXXX and Experian continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX XXXX account in my credit report ( account # XXXX .... ) which is reporting as included in XXXX  XXXX XXXX  was filed in XX/XX/2015 and according to the FCRA, accounts included in XXXX can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the XXXX  public record for the XXXX XXXX XXXX  filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me at all I have not opened used or know what this account is I need this off my credit report ASAP!!! 


XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/2018 XXXX
Product: Mortgage

XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation, I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance, I would, but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please, someone help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the **Fair Credit Reporting Act ( FCRA ) ** to request the permanent removal of unauthorized inquiries from my EXPERIAN credit report. These inquiries were made without my consent, violating my rights under FCRA Sections 609 and 611, which guarantee my right to accurate reporting and the ability to dispute unauthorized or fraudulent entries. 

Unauthorized inquiries : XXXX XXXX XXXX XXXX on XX/XX/year> and XX/XX/year> I have already contacted EXPERIAN regarding this matter but have not received a satisfactory resolution. I am requesting that the CFPB ensure EXPERIAN complies with the FCRA by investigating and permanently removing all unauthorized inquiries. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice my credit report with mis information over two years ago I did an police report and, a around XXXX of 2022 when check I and monitor my reports I notice inaccurate publics information and I filed and mailed off police Reports BACK IN XX/XX/2022 to all credit agency about this matter they had my Birthday Wrong on XXXX, They had address and a whole host of information inaccurate on XXXX, and Experian they have been the absolute worst of them all they have al sort wrong information, also you cant upload anything for as doc on there sight, no one want call you back either horrible, I disputed it all, they fix everting but my address and and the puplic record Bankruptcy that is not mines, also have an letter from The Bankruptcy office they want even look at or take saying that the never gave ANY INFORMATION ABOUT A Bankruptcy, my current address or my Name, also know one there will even talk to me about the matter they also put am credit alert, last year, when they first received the policy report they in the mail they put the credit alert on XX/XX/2022 it been over a year please help this have ruined my creditability, as its very inaccurate.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXXXXXX XXXX XXXX Incorrect DOB : - XXXX Employer - XXXX XXXXXXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

Due to fraudulent behavior with my account, I noticed there's a balance of {$550.00} on my account and I did not authorized any transaction. My phone, personal information, emails, and banking accounts has been comprised. I am disputing any and all unauthorized transactions with the Vystar Credt Union checking account XXXX. 

I have addressed the issue here at the local branch after paying off the remaining balance of my visa credit card. I then ask if there's any remaining balance owed the young lady stated, " No, XXXX XXXX XXXX you're all set. '' I then proceeded with returning all visa and debt cards back to the bank teller afterwards. 

I am a victim of fraud. 

Thanks in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following payment history is reporting in inaccurate on all three credit bureaus every month cause a extreme effect on my credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

15 usc 1681 states : I the consumer have the right to privacy. 

Pursuant to 15 usc 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I have never given any company written permission to furnish a report about me. 

Pursuant to 15 usc 1681c : no consumer reporting agency may make any report containing any adverse action other than convictions. 

15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any CRA if the person knows or have knowledge that information is inaccurate. 

Pursuant to 15 usc 1635 if a consumer contacts the creditor within the allotted time the consumer has no liabilty for contract. 

DELETE ACCOUNTS THAT VIOLATE MY FEDERAL RIGHTS BELOW. 
XXXX XXXX ACCT NUMBER XXXX XXXX XXXX- agreement number XXXX I have no contract with this company. please provide a contractual agreement between XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I run my XXXX XXXX on XXXX. I buy my goods from the proper market. I have a proper invoice, but for some reason PayPal took my money out of my wallet PayPal - negative {$4200.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/XXXX Transfer Paid with Balance {$4200.00} Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Under l

aw 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report. 15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report has just arrived and I check it immediately. I was surprised to see inaccurate information included on it. I am talking about XXXX and XXXX XXXX XXXX. Both of them are reported because there are multiple incidents of late payments. For your record, I am always paid on time as agreed. This must be updated immediately. The other one must be removed from my consumer report as it is already a collection and charged off account. You don't have any idea how this caused me so much that I can't even move forward of acquiring a house for family. Your immediate action is highly appreciated.
Product: Credit card

I found the following serious issue now : Dear sir, Today, on XX/XX/2023, I realized that my bank credit card ending XXXX, which was Bank of America Travel Rewards Visa Credit Card, was disappeared from the website, when I checked the Bank of America Website. Due to the illegal usage of my XXXXXXXX XXXX credit card, I closed the XXXX card immediately after my realization and secondly the discovery of illegal usage before the replacement card had arrived to me ; therefore, I needed to use the different payment method for XXXX purchase. I used this Bank of America credit card ending XXXX because the information was kept in XXXX data base. Since I did not use for a long time and preferred another credit card issued by Bank of America, I believe I discarded the card ending XXXX by destroying it. Even though there is some suspicion of illegal usage, still the information of card ending XXXX should be seen and checkable at the bank website. As I have strong concern why my bank information can not be checked at the bank website, would you investigate this matter? And would you tell me how to replace the card, since I can not replace it due to the disappearance? 

Sincerely,
Product: Money transfer, virtual currency, or money service

I no longer have access to the email address and phone number I used to create my coinbase.com account. 

I reached out to coinbase for assistance but they will not allow me to gain access to my account or to my funds without having access to the email address and phone number I used to create my account. 

Does coinbase expect me to donate the tens of thousands of dollars in my account to them? 

How is this not theft, extortion and fraud? I look forward to collecting punitive damages.
Product: Credit reporting or other personal consumer reports

I reached out to the companys on my report that included a contact phone number on XX/XX/XXXX to investigate unauthorized inquiries. The companys course of action was to contact credit bureaus for removal of the inquires. This has been an endless cycle for me for weeks. These are unauthorized inquires, and according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.