23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal information had already been compromised due to cybercrime. I constantly have had to dispute and close different cards with my bank ( which there is proof for ) because every time I open one I see charges I have not made from places I have never been to or companies I have never bought from. This includes my personal email. This too, is compromised. I have tried different things to secure my information on my computer but, someone either has my social security number or for some reason it's easy for them to link my information and no matter how many times I change things, this keeps happening. This I mention in case it's the same situation with the following ; Affirm was an extension someone recommended to try to see if I prequalify for a loan and what would that look like. This was once when I was looking for a flight ticket that I ended up deciding to buy myself like I've always done, I've never taken a loan. And I didn't even choose the same airlines or dates. I did not agree to receiving the loan, I did not sign anything, receive any sum of money or was able to confirm if the airlines did because Affirm would not provide this information. I'm sure I didn't because airlines send a confirmation and information about your flight and also because I didn't actually create any ticket at the time but, some day later when I paid for it myself. I have disputed this with Affirm many times, escalated and since the beginning, they have only taken my information to " confirm '' it's me ( like social security number ). I believe they have only done this to finish adding information to the completion of my profile or account with them. The only help I have gotten is an email asking for proof for the dispute which I can't give them because Indeed, I did not take the loan therefore, don't have proof of that. How could I explain I don't have money that was never given to me when what this company only provides is the name of an airlines? That time, I didn't even fly with the same airlines! When I call the airlines, I'm told it must be a scam if they can't provide me with information to even verify or find the ticket. Then, I'm told by an attorney that I have nothing to do with the airlines, Affirm is the one assuring I was given a loan or agreed to it. I have no way of confirming this, only Affirm 's word. If they gave it to the airlines, at least the airlines should be able to confirm this or agree in some way to receive this. But, the conflict is with Affirm. This debt keeps growing and when I finally wanted to take a car loan I was denied this when they ran my credit. I've also disputed this online with XXXX and it's being denied. Keeps happening for months now. I've never been a bad payer but, I've never consented to this.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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

I have disputed with Equifax numerous times over inaccurate and or incomplete information on my consumer reports. Equifax continues to verify inaccurate and incomplete information on my consumer report which is continuing to harm my credit, cause emotional distress, and damage to my credit reputation. I have pursued legal action against Equifax. SEE ATTACHMENTS,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Called claiming to be an investigator from pinnacle and left a message, claimed that they spoke with my ex wife, and if I did n't call back by the end of the day I would be facing litigation. Very aggressive and threatening. Claimed they sent certified information to my address but I 've been living in the same address for 11 years and I 've got zero certified information from anyone close to that name.
Product: Credit reporting or other personal consumer reports

Inquiries reporting fraudulently on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unverifiable )
Product: Credit reporting

XXXX XXXX checked my credit said their were delinquinces on my credit report from XXXX experian and XXXX on XXXX/XXXX/2016 serious deliquencey and a number of accounts with delinquencey i have no delinquinces on my credit report at this time through XXXX this information is not true. also no time since deliqunicies on my report
Product: Money transfer, virtual currency, or money service

I had a cashapp account XXXX XXXX. Balance in my account was around {$120.00}. I changed to a new XXXX. There is no way in their app to deal with changing over to a new phone. Ive had over 15 emails with their service people. Ive provided al the information they requested and jumped through endless hoops and requests. After two weeks of this they simply said my request is denied and now all the money in the account is lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request to XXXX to get proof on how the account was verified as a valid account and never received the information on how it was verified.I have called XXXX XXXX Which is NCA and left a message with my address on what I was requesting and never received a call back.I sent a certified letter to XXXX onXX/XX/2019 by USPS Tracking XXXX requesting in writing that the account was mine and how it was verified and have not received the information.I got an email stating it was correct but no indication that it would be sent out.I received an email stating it was verified but how?
Product: Checking or savings account

About 2 months ago I called Truist Bank and asked to speak to someone about closing my account. A man answered and said he could help me. My account had a zero balance after my wife transferred everything to my new bank. He asked why I was closing my account. I stated that XXXX XXXX doesn't charge me {$20.00} a month and my money is deposited 2 days sooner. He told me okay. The account is closed, he then asked if there is anything else he can do for me. I asked several times if he was sure, it seemed to me that he was too quick to close the account. I asked again if he was sure my account was closed. He stated " Yes, sir '' repeatedly. " The account is closed '', he kept insisting. The next day I blocked Truist and had all emails sent to my spam folder. About a week ago I got a letter stating that I owed them {$120.00}. The letter stated that they " decided '' to pay a company I never heard of and then continued to charge me an overdraft fee. This made the total amount I owed them at that time {$150.00}. A couple of days later I was charged another {$100.00}. They payed this company again. They charged me another overdraft fee! I didn't have one single penny in this account, the account had been inactive for several weeks, and I never even had overdraft protection. They had no reason or permission to pay anyone anything on my behalf! This is without a doubt blatant misuse of my information on an already closed account.
Product: Mortgage

Subject : Substantial Delay/Failure to pay Homeowners Insurance Premium on time from Escrow, leading to policy lapse and refusal to reinstate.

Details : This complaint is regarding CrossCountry Mortgage Company 's ( CrossCountry ) substantial delay in paying my homeowners insurance premium from my escrow account, which resulted in my policy lapsing and my insurance company refusing to reinstate. As a result, I was forced to purchase replacement insurance at an annual cost more than double my existing policy. Below is a timeline of the events : XXXX XXXX XXXX XXXX XXXX  my homeowners insurance company sent the premium bill to CrossCountry Mortgage. As verified by CrossCountry Customer Service Agent " XXXX XXXX, '' the bill contained the correct CrossCountry address, loan number, etc. 
2. The bill indicated a payment due date of XX/XX/year>. 
3. Despite receiving the bill nearly eight weeks in advance, CrossCountry waited until XX/XX/year> ( just prior to holidays ) to mail the payment. 
4. The insurance company did not receive the payment until XX/XX/year>, six days after the payment due date. 

This substantial delay caused my insurance policy to lapse, leaving our property uninsured and forcing us to obtain new coverage at 2.5 times the cost of our expired policy.

I contacted CrossCountry to address this issue, but they refused to provide an explanation for the delay. In fact, multiple customer service representatives misrepresented the facts/dates of notice and payment. For example, Representative " XXXX '' asserted that the insurance bill was dated " XXXX XXXX XXXX XXXX, and that CrossCountry mailed the payment on XX/XX/XXXX " within 24 hours of receiving the bill, which is CrossCountry 's policy ''. " XXXX '' refused to provide a copy of the referenced bill or the mailed payment. In speaking with five different customer service representatives over nearly two hours ( and offering copies of the XXXX renewal notice ), none would escalate to a manager, provide any written documentation or personal identification ( e.g., last name or employee number ), or send a written confirmation of the payment delay/steps to correct. 

Impact of the Delay : CrossCountry 's substantial delay caused my insurance policy to lapse, leaving my property uninsured and forcing me to obtain substantially more expensive insurance during an " insurance crisis '' of insurance companies leaving California.

In addition to substantial financial stress caused by CrossCountry 's negligence, I've suffered significant stress and time spent dealing with CrossCountry 's non-responsive and deceptive staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX  have shown two accounts, one a collection from XXXX XXXX XXXX, and another from XXXX XXXX XXXX, which were successfully removed by an investigation in XXXX of this year as having been reported to them. The information these companies have is incorrect, thus the accounts were deleted from the report. Both accounts were added to the credit report again on XX/XX/18, without notifying me in any way.
Product: Debt collection

The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of XXXX XXXX. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX of inquiry XX/XX/2020
Product: Money transfer, virtual currency, or money service

Recently, I tried to gain access to my account. However, when I input my details, I received an error message stating that my email or password is incorrect. I subsequently tried to reset my password, but no texts or emails came through to me. When I tried to contact the company they denied that I ever had an account with them. I sent a statement, showing with records of the payments that I had made to them, and evidence of transactions I had made, but they still stated that they still could not find any account associated with my email address and am very worried about this.
Product: Checking or savings account

Chase Bank is refusing to transfer my money out of my Chase checking account to my XXXX account. I have transferred money previously from my Chase checking account to my XXXX account but now they refuse to do so. Their solution is that I write a check and send it to XXXX or that I make a wire transfer, which they charge {$30.00}. I will not be charged to transfer my money because they refuse to do it via ACH. They keep locking my account and refuse to release my funds as I have instructed.
Product: Debt collection

I was applying and looking at a mortgage for my son and I and was notified by the credit union i had a collection on my account through I C system from XXXX communication. i had canceled and returned all equipment and was told i owed nothing to them and recieved zero contact from the debt collector about it being reported on my credit report leaving a deragatory remark, which in turn hindered my chances of getting a mortgage. XXXX told me they have bo ledger or description of why i owe or what i owe. The deragatory remark on my credit report without any notice from the collector because it being a charge off which they will not collect is unethical to not give the person notice or a right to dispute the debt in which my case i do not believe i owe. Finding this out just now when applying for something like this is very unsettling.
Product: Debt collection

The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. 
XXXX XXXX XXXX XXXX DELETE!!!! 
XXXX  XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX  XXXX PLEASE DELETE!!!! 
I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of a charge off accounts listed on my consumer report under the accounts XXXX : ACCOUNT NUMBERS XXXX, XXXX, XXXX. I have received a 1099- C form for these accounts indicating that the debt was canceled. according to the Internal Revenue Code ( IRC ) 6050P, A 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge off. Under ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge off is both inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS 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. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
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 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 or other personal consumer reports

Upon reviewing my credit report, I noticed that there were a few accounts listed that i do not recognize at all. These accounts do not belong to me, i have never given any of these companies my information. 

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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I attempted to send money via XXXX to a friend in the amount of {$50.00}. The friend necer received the funds so I XXXX searched XXXX customer service number and contacted them for assistance. I spoke to who I was led to believe was a customer service rep for XXXX. Who stated that they needed to send test transactions to link my account. I was told that these transactions would only be test transactions and no money would be deducted from my account but instead {$640.00} was deducted. I immediately asked to speak to a supervisor but was disconnected and unsuccessful with reaching anyone since. The next day I filed a complaint with Navy Federal who investigated and gave me a provisional credit but have reversed the credit after they were unsuccessful with getting anything resolved with XXXX XXXX. Since then I've made 3-4 email attempts to speak with someone about this issue with no response I've also requested the rest of my money that is left in my XXXX account but the only response that I received was that my account was closed due to the dispute I made withy bank. I have filed a police report and have not been able to get any help from Navy Federal or XXXX with this issue
Product: Checking or savings account

Recently I got a copy of my early warning report and noticed a XXXX XXXXk on my report. Which is stopping me from opening a bank account with a credit union due to fraudulent activities. I reached out to XXXX in hopes to getting this resolved considering I never opened the account and was able to support evidence that it was open up fraudulent. Only to learn XXXX XXXX couldnt help because the company was sold and this account is over 5 years old and its not currently open. The operator couldnt assist me in anyway as when she looked me up by babe in social it showed I didnt have an account to pull up information regarding it. Im asking this account to be removed as it is tarnishing my credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. XXXX has removed the account, but XXXX and Equifax failed to comply
Product: Mortgage

The mortgage loan is in my late husband 's name. 

Initially, the loan was with BBVA. When I had to pay the loan from my account and not through the automatic method where the bank takes the money out of his checking account, BBVA thought they were not getting paid. I attempted to contact them to discuss but they would not talk to me. 

Now PNC has bought BBVA and they won't talk to me either. 

I am attempting to refinance the loan and get it into my name. I learned from my attorney, that I should have had access to the loan from the beginning as the widow and my name is on the property 's deed. 

I have been charged fees and not allowed access to insure the home at a lower rate than the imposed insurance the bank placed on the home. 

I am XXXX and do not have access to funds to fight PNC. They have applied my payments for the last 3 months to the alleged amount that I owed that BBVA did not pursue as they knew they had received payments, but the automated bank statements continued to say that I was behind. 

I was filing for my XXXX when my husband died of XXXX. Following his death I had to file for bankruptcy due to medical debt and have just now reached the point where I can refinance the home into my name and I have a lender waiting on clearance from PNC to complete the refinance. 

Had I been able to access my legal right to the mortgage account this issue would have been resolved immediately.
Product: Vehicle loan or lease

they are reporting inaccurate data for account and it is coming back return to sender see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Quick Credit- was violating Part 15.9 of the FCC to solicit illegal lending opportunities outside of federal guidelines and misusing illegally obtained personal data to do so. Targets subprime would-be borrowers through illegal means of obtaining information including violating privacy laws and spying on those they would solicit to.