23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NationStar acquired our mortgage from XXXX in XXXX 2014. They told us since it was an acquisition loan, that we had a 60 day grace period before making our first payment. Now they are writing us telling us that we have to pay those two months that they previously told us we had the grace period for. When I finally got someone on the phone who was willing to help me, she said she apologize, she see we was told that, but we have to come up with the money. I feel like they are bullying us, not holding up their promise, and just overall unprofessional, unorganized, and uncaring.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a series of unauthorized inquiry on my credit report. I recently became a victim of identity theft, and my personal information was used without my consent while I was inXXXX XXXX XXXX XXXX As a result, several unauthorized inquiries were made by car dealerships on dates listed below. Please remote all inquiries. 

XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

All State Credit Bureau ran my XXXX  credit report twice in XXXX without my permission. I have emphatically disputed the alleged debt and they have no grounds to pursue me for any money owed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED TRANSUNION BECAUSE THESE INQUIRIES WERE NOT AUTHORIZED TRANSUNION 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 Bank ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 have violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I opened an account with Square on XX/XX/XXXX to receive payments from clients and verified all the information requested. When I received a payment from a client, Square held on to my payment and asked me to verify myself which I did using my ID. After successful verification Square kept on holding on to my funds informing me after multiple queries that it was reviewing my account. When I threatened to file a complaint with XXXX  and the FTC, Square sent me an email in the afternoon of XX/XX/XXXX, today, stating that the review was done and my account was now active. Of note is that I was never informed that my account was made inactive! Even after the review despite charging me for a same day release of funds Square refused to refund the fees for having held on to my funds for over XXXX  days and still refused to release the funds to my verified bank account at close of business today which is set for XXXX XXXX XXXX. In plain words Square has stolen my money and has charged me for a service it did not provide. I want Square to be shut down/ sued by Federal authorities for fraudulent practices. I want my funds released to my verified account immediately and all fees to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH SPECIALIZED LOAN SERVICES ... I HAD NOT. I CALLED SPECIALIZED AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH SPECIALIZED AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Product: Mortgage

I am extremely frustrated with Ditech. We have been faithful on our home mortgage for over 10 years now. We have never been late. Ditech has misplaced our payments causing me to go through grueling straints to prove we paid the amount and for them to find the payment. They have ceaced applying my monthly payments to our account and are repeatidly sending me loss mitigation paperwork. But, I have never been late on our payment. At current it shows I am almost {$9000.00} in the hole, yet when I contact them they state they have received my payments every month! They are not applying the payments to my account though. I contact our " account representative '' only to have to leave a message that is never returned. I am forced to make phone calls to them on a monthly, if not more frequent, basis. I am afraid my excellent credit score is being damaged by their mishandeling. I am past frustration and feel stuck. I do not know what to do and they ca n't seem to get their business straight.
Product: Money transfer, virtual currency, or money service

Had three unauthorized transactions on XXXX  app done without my consent or knowledge. The first was on XX/XX/2018 for {$300.00} and the other two were on XX/XX/2018 for {$1000.00} each ( {$2000.00} total ). I reached out to XXXX and tried to get it reversed. However, they said since the account it was sent to is one that I had a previous affiliation with that they could not do anything and that I would have to resolve the dispute with the person who received the money. She did not want to give it back so I filed a police report on XX/XX/2018 regarding the unauthorized transactions. 

I then contacted my bank with the police report and they reversed the charges from XXXX. I was contacted on XX/XX/2018 by XXXX  saying that I owed them {$2300.00} or else I would be sent to collections. I explained the police report and how the bank reversed the funds due to fraud and they were insistent that their terms of agreement say that I must resolve it with the person who received my money. I told them I refused to pay for fraud and they threatened to shut down my account and send me to collections for {$2300.00}. I spoke with a representative both in online chat and on the phone from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency has engaged in serious violation of the FCRA, illegally re-aging an account. This {$1200.00} account was re-aged in XX/XX/2016, when the acutal date of delinquency was nearly three years prior.
Product: Student loan

I was approved for 100 % Veteran Disability in XX/XX/XXXX and a result I was also approve for a Total and Permanent Student Loan Forgiveness in XX/XX/XXXX. Navient was suppose to identify my portion of a spousal consolidation that was to be discharged along with applicable interest. I was told in XXXX of XXXX that they discharged approximate {$30000.00} of the loan balance, but =when I asked for a breakdown of that number I was never given that to validate they discharged the correct amount of my loans as well as the correct interest. I believe the only discharged the accrued interest over 10 years and not the interest an my original principle. In addition they are reporting that I still have an outstanding loan balance on my credit reports with all three bureaus which is not correct since they are no solely the responsibility of my ex-spouse and should be removed from my social security number for reporting purposes.
Product: Checking or savings account

On XX/XX/2022, Capital One made an unjustified decision to reverse several payments received from XXXX, totaling {$370.00}. These payments were initially received in exchange for {$370.00} worth of cryptocurrency on XXXX, which is the largest cryptocurrency exchange service in the world. XXXX operates a peer-to-peer exchange that functions as an escrow service, holding the {$370.00} worth of cryptocurrency until I confirmed receipt of payments from XXXX. 

On XXXX and on XX/XX/2022, XXXX sent XXXX payments to my Capital One account, and upon receiving this payments, I promptly confirmed to XXXX the receipt of {$370.00}. In response, XXXX released {$370.00} worth of cryptocurrency to XXXX. However, at a later point, XXXX applied for a chargeback, and Capital One wrongfully reversed the payments. Despite my repeated attempts to contact Capital One via phone calls and visits to their branches, providing them with evidence of the transaction, they ignored my efforts. As a result of Capital One 's erroneous decision, I have suffered a financial loss.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have contacted each bureau and identified my information, yet they have not been willing to remove these accounts like I have asked. I need these fraudulent accounts removed EXPEDITIOUSLY.
Product: Credit reporting or other personal consumer reports

Hey this is not necessarily a complaint im actually just asking for a correction to my credit report. My credit report for experian doesnt show a score AT all. I recently went looking for a property and the realtor advised me they couldnt pull anything. So im just asking for the system glitch to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was contacted by consumer by means of formal letter for request of annual free credit report on XX/XX/2020 which resulted in denial service. 
Consumer is blocked from making an online account with Equifax currently. As well as, Equifax claims information given does not match the file presently. Consumer holds guarenteed lock to credit report with security freeze ; Equifax denied all participation accept disputes for consumer credit at this time. Consumer has rights to review and inspect credit holdings at any time which has been denied. Please help resolve as identity has been breached as security freeze dishonored by response of personal information does not match consequently. Soil born obligation to investigate any discrepency with personal identity with financial institutions. Gracious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX and Experian credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Product: Credit card

I did not use this card and my identity was compromised and my cards were used by someone else. I have a police report and they are not taking that into consideration. This was also dismissed in court
Product: Credit reporting

Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.
Product: Credit reporting

All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard Inquiries on my credit report Im unaware of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has submitted XXXX requests for correction to my TransUnion credit report. This correction is for an auto loan that was mistakenly reported as XXXX days late by the XXXX XXXX. My complaint is towards TransUnion, as the creditor has submitted XXXX corrections or disputes to all XXXX credit bureaus and TransUnion has not updated or corrected the account on my credit report since XX/XX/2023. Every other credit bureau has made the correction and when I spoke with XXXX at TransUnion today he had no record of a dispute or correction request from XXXX XXXX XXXX which I know to be false, as XXXX XXXX XXXX called each credit bureau to make this correction. I want to know why TransUnion has such poor response time when it comes to disputes being made via phone from the creditor themselves, as well as the reason for such poor record keeping. XXXX told me to simply dispute the account. Shouldnt corrections coming from the creditor via phone be completed immediately? I need the XXXX XXXX XXXX account status and status date updated immediately to reflect pays as agreed never late.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX and these accounts listed are a direct result oXXXX XXXX XXXX
Product: Vehicle loan or lease

Yes, I have tried reaching out to Bridgecrest in regards to their nsf policies and other policies that they have in place ; I have not gotten an answer back or havent received any information requested, I have gotten charged twice for NSF and XXXX of these fees was XXXX and the other one was XXXX for non-sufficient funds fee then I get a reversal for XXXX dollar fee, that is something that no other bank has done, sadly I been going through some hardship and asked if I can move my past due payments to the end of my loan even though its going to take me longer to pay it off but they told me I had to pay XXXX to do that. Like what in the world is that.
Product: Debt collection

COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ), is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( hereinafter " XXXX '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ) is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit card

On XX/XX/year> I received a text from Capital One saying " Thank you for opening a new credit card with us '' when I have never opened a credit card with Capital one. I immediately called Capital One from the google page ( and not from the link in the text I received ) and CapitalOne said there was an account opened that day for a credit card. I reported it as fraud and then called the police to also report it as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing this complaint because EQUIFAX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you,
Product: Credit reporting or other personal consumer reports

COMPANY IS PAST 45 DAYS WITHOUT VALIDATION MY CONSUMER REPORT.