23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It all started on XX/XX/XXXX ; when My house caught fire and burned, It was a total lost and all we had was a force place policy insurance that covered the loan not the value of the home we had been staying in the house for 11years at that time we saved up enough money to had on the house because we could get a loan. we started out with about XXXX feet of space in the home. and we saved up enough money to enlarged so we added on about XXXX sq. feet which increased the value of our home we had the XXXX sq. feet insurance but not the other so the bank had a forced place policy on the part they had so when we enlarged we took out a loan on the house so unfortunately as I already stated we got burned out with a force place policy in force which was about XXXX dollars now everything we owned was in that house that got burned up also everything we own was in that fire. gone up in smoke so we contacted the bank about the policy and they approve a contractor that only had painting experience they finally had to go to court with the contractor they had and stayed in court for one year and a half before they release anymore funds. on XX/XX/XXXX. they send check for XXXX the contractor said that would n't even buy the gas that took him to com back and forth it was a night mare for me and my family the contractor required Bi-weekly payment a bank should known what Bi-weekly means I wrote the bank a hardship affidavits they padded it no attention at all regardless of what they had invested in the property themselves XXXX by the time they got through with me I owed them XXXX dollars in taxes and fees it get worst than that they had third party venders to jack up the price every month I had to go to Environmental Court about how nasty that property was I got all the proof in the city where I live the actual cash value payment was XXXX, the insurance the replacement cost was XXXX, Less contractor profit and overhead, we choose a contractor that build the house back for that the money that was the actual cash value payment which was XXXX but the bank charged me XXXX of they way of taxes and fees that took them 3.5 years to build because of court and just slow fullness with third part venders that were supposed to be cleaning up they argument in court was they did n't sign anything with the contractors I have proof that hey at least approve them to do the job. by sending them a check and stopping payment on the check because they did n't know what they where doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen XXXX in XXXX which I later filed FTC reports, there was a XXXX XXXX XXXX foreclosed home ( XX/XX/2018 ) on my credit report valued at {$190000.00}, with a zero balance, with a message, " Thank you for paying off your loan '' attached to the comments, then was later changed to a REDEEMED FORECLOSURE, also with a zero balance, nothing owed. I was told, I'd get a call from their Fraud Dept, but no one called and I keep getting swithed over from dept. to dept. Finally got a Fraud # but it just rang and rang. No one picked up. 

I've made SEVERAL FTC reports and many phone calls to XXXX XXXX XXXXXXXX... calls to XXXX that has divulged they have NO RECORD of ANY FORECLOSURE in my name in their system, yet it remains on my credit report, yet somehow, the credit bureaus claims it was " verified '', which is utterly FABRICATED. 

This fraudulent account on my credit report is ruining my Finanacial relationship with potential new creditors and I would like it removed from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, this happened to me, and somehow maybe because I have used a lot of internet store and media my personal info went to wrong place, so someone have been used my information and tried to be applied for credit cards or loans, not sure, so I have gotten a several had inquires on my report that I have never authorized, I became a victim of Identity theft. 
Here is these items : XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 These hard inquires are not mine and must be deleted immediately from my report. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
Please note I have attached a copy of FTC Report with my driver License - it shows my current address and my SSN card
Product: Credit card or prepaid card

my account was double paid because of autopay in late XX/XX/2022 - i have a credit of XXXX dollars i have been trying to get them to refund me since late XXXX, despite weekly chat and phone calls they wont send me the refund
Product: Credit reporting or other personal consumer reports

I am requesting for the assistance for immediate removal of outdated items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 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

I had called and I want your help to remove this off my credit. It should be off my credit history it been more than a year. I paid and wait 90 days .May you please contact transition or the collected. I didn't knew it would be this difficult to have it remove. I understand the bank see it paid and closed. A great person refer me to You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Equifax to verify 3 collections on my credit report. I'm simply asking Equifax for the past 6 months to mail me the information used to verify these collections yet Equifax has failed to do so.

XXXX  and XXXX  has removed all 3 collections off of my credit report for the simple fact that THESE MEDICAL BILLS WERE NEVER MINES. Please DO NOT continue to UPDATE my disputes. I even provided a letter where XXXX XXXX XXXX stating " This does not mean that the dispute is valid '' yet only Equifax has kept it on my credit report.

Also the debt is 7 YEARS old and should be REMOVED for my credit report.

XXXX XXXX XXXX Account # ending in XXXX Account # ending in XXXX Account # ending in XXXX Plus certified letters I sent them to valid the debt and wasn't able to do so ...

XX/XX/2020 XX/XX/2020 XX/XX/2020 Please provide the information you used to VERIFY these collections are mines.
Product: Credit reporting or other personal consumer reports

Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint. 

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible! 

Based on. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Fraudulent collection Accounts : XXXX XXXX  Bankruptcy Account NumberXXXX Account Opened:XXXX Balance : $ {$0.00} XXXXXXXX XXXX XXXX  Account Number:XXXX Account Opened:XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number:XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} Unauthorized Inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry DateXXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company for proof for the second time, and sending them confirmation I was a victim of Identity theft and there in violation of FDCPA for not providing me evidence of this account. They only sent a statement or bills of this account, no signed contract, or proof that I am opening this account.
Product: Credit reporting or other personal consumer reports

The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I dispute are.
Product: Mortgage

I had family issues and COVIDS issues which caused me to ask for COVID assistance to get my finances in order and to help elderly parents. I asked for one last extension with PHH but was not told that I exhausted the COVID relief benefits. However, PHH really didn't harrass me other than asking for documentation for the modification. I submitted all the financial documents and asked that I resume payments on the XXXX of XXXX. I attempted to make a payment on the XXXX of XXXX only to be told that at the moment, all prior payments needed to be made in order to make a payment. Meanwhile, a notice of default was sent to me. My understanding was that I was not obligated to make payments while the modification was in process. When I rang about not being able to make a payment, I was told that the modification was denied yet no one communicated that to me via email or in writing. A week later, I did receive the denied of modification. One reason was that the mortgage load was greater than 90 days delinquent and the investor did not allow modifications. Why on earth was the paperwork and application requested then? Such incompetence. PHH calls and never leaves messages even though time after time again, they have been told to leave messages. I was assured that they always do-which they don't. Also, they can email me adverts but never can they email me documents such as the modification denial. I'm very frustrated with PHH. I was told that I have to wait to talk to my relationship manager to divide the 4 months payments up over twelve months to include with my monthly mortgage payment. However, nothing can be done until the " program '' is approved by the relationship manager. I can not talk to the relationship manager until the end of XXXX. Is PHH trying to force me into foreclosure? I feel like that. I'm simply trying to resume paying my monthly mortgage payment and roll in the miss payments back into the loan. Everything-processing, call center, etc. is in XXXX. They do not seem responsive. They still call occasionally and do not leave messages. I do not feel like I'm getting the complete picture with PHH. Since the modification was denied, why didn't the letter give me payment options so I could resume making my monthly payment? Why wasn't it emailed? I'm just over PHH.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/XXXXXXXX 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

I am writing to formally request the blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and the following accounts were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting their immediate removal. 
Fraudulent Accounts : XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX  XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Have already followed up on this through a complaint but nothing was resolved. XXXX resolved, but transunion has not. They instead have mentioned an issue with my address which is not an issue. The address given is on my report and had been for 18 years. I have inquiries that were not authorized and they are not being removed which is unfair and to my knowledge illegal to have allowed these inquiries to be on my account from unauthorized applications. The unauthorized inquiries have been now removed from everywhere except transunion as i am having difficulties coming to a resolution. Ive written letters back in XX/XX/XXXX when my police report was filed only to no avail. 

What needs to be removed is this credit card from XXXX XXXX, inquiries from XXXX XXXX, XXXX, cXXXX XXXX XXXX ( valid inquiries for XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I truly hate being a pain but these inquiries are insane and even an added account onto my report has happened since i placed the fraud alert on my report. Ive followed the needed steps with filing the police report and monitoring closely, yet these things are piling up, only on my transunion. All other reputable reporting agencies have resolved this issue. The adddresses on my report at XXXX XXXX XXXX is valid and has been for 18 years. I also have an address at XXXX XXXX in XXXX which is also valid and on my report. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc claim with police report of the violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : XXXX file number
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with capital one over 30 days ago .I informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal capital one never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Credit reporting or other personal consumer reports

My loan was transferred from Loancare to XXXX in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/2023. I paid Loancare my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the XXXX swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing two mortgage balances for the same loan under both XXXX and Loancare.
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights under 15USC 1681 section 6 o 2 states I have the right to privacy. 15 usc 1681 section 6 o 4 a section 2 a consumer reporting agency can not furnish an account account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

Dear Sirs, I do have problems with my local Bank here, Wells Fargo and I want to transfer my XXXX check that I am receiving from our Social Security to another Bank account that I have nearby. No matter what I am telling them they do it their way. I did transfer my little saving balance to my checking account and closed the credit card account. They did charged me {$16.00} for stupidity because I had a credit card without the chip attached to it but able to use it on the internet but not on local store and that was the beginning of the problem when I went to the Bank and try to explain to them the case but when I came home some how I did find the credit card that they send me with the chip and within the hour I did went back to the Bank and explain to them the reason but the young representative did not want to hear the story and charged me {$16.00} but I did pay them {$20.00} that shows on my credit card account. When they closed the account so also the {$4.00} went with them for coffee as I say it. I got charged {$20.00} also on the checking account or the savings account wish I did transfer the moneys to the checking account and as today my savings account shows {$0.00} but still open account. I have to find another Bank to transfer my XXXX check of {$1100.00} and close also the checking account and not deal with them at all. This is the way our Banking system works and specially the older people facing those problems without any help around. What else left for us. I do have problems after problems with everything around like Banks, Hospitals, Doctors, Pharmacies etc. How far we can go with all those problems. What else left for us. Is there anyone to help the older population in America? 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.
Product: Credit card or prepaid card

XX/XX/19 Statement New purchases Summary Account Activity {$2.00}, XXXX ref # begin with ( F ) are NOT NEW PURCHASES {$860.00} New purchases are without the ( F ) ref # There are {$1.00}, XXXX UNEXPLAINED NEW PURCHASES that are not new purchases that do Not give Accurate Purchase Date or any Merchants Name of who placed purchases of {$1600.00} on my card I KNOW DID NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am summiting this complaint by myself and with no help from any professional. I have been reading and studying about consumer laws and our rights. 
After all the studying and research I have done I have been applying my rights to all appropriated institution that had violated my rights, therefore I am submitting this complaint right now to TRANSUNION. 
I am submitting this complaint because TRANSUNIONis in violation for furnishing 16 hard inquiries on my consumer report without my written instructions and without my permissible purposes. Which means that they are liable to me 16 times for violating 15 U.S. Code 1681n ( b ) 16 times.

I gather all my proof and mailed TRANSUNION a Notarized Affidavit Of Truth along with an invoice dated on XX/XX/2021, which they received on XX/XX/2021 as per USPS Express Mail tracking confirmation # : XXXX XXXX XXXX XXXX XXXX. 
I gave TRANSUNION the opportunity to resolve this matter amicably and gave them 20 days to comply, but I have not received any communication whatsoever so far.