23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Mortgage

I have a heloc loan with Bank of America which I was coached into by their employee. I was told this loan was a fixed rate, which its not, at the time I wasnt sure what I was getting into. Now, the payment has doubled and Bank of Americas bank statement doesnt have a separate line in their statements for accrued late fees they build it in to the mometkg payment. As of right now we are just trying to make the minimum payment and its just not right they they are including the accrued {$70.00}  late fee in the monthly payment. I have complained about this numerous times and nothing has been done.
Product: Mortgage

XX/XX/2016 our prior mortgage company sold our mortgage to PNC Mortgage. with our first payment to the new company to begin on XXXX XXXX. PNC did not have us set up in their system so we were able to pay over the phone without any extra charge. For the XX/XX/XXXX Payment I paid on line and was charged a extra fee of {$7.00} even though in this day and age everyone pretty much pays their bills on line I do n't think we should be charged for a service in which they get they funds quicker ... that is the first issue. Here 's where the big issue starts ... for the XX/XX/XXXX payment I sent in a check with the coupon from the book they sent us. I made my check for the amt. they had on the XX/XX/XXXX coupon only to be told that we did not submit the correct amount that we still owed {$81.00} more even though that 's not the amt. on the coupon. They called and said they were holding our funds but cashed our check. After speaking with a supervisor who did a escrow analysis on our account we were told that we only owed {$24.00} and received a confirmation number that we paid the extra funds. We were told that a new coupons with the additional {$24.00} each month would be sent with the corrected amt. We now received a letter saying that we owe an additional amount of {$56.00}. Just prior to the sell of our Mortgage we made a payment of {$500.00} to our escrow to make sure it would not be short and to keep our payments the same or less. Also the PMI came off during this time, plus we lowered our homeowners ins. We have never been late or short during the 13 yrs. that we have had our mortgage, if anything we overpay when we can to help pay it off sooner. PNC keeps changing the amount which is causing us to look late when in fact we are not. We feel PNC is purposely causing this issue by not having their books straight. We have never experienced this with any of the other companies that have purchased our account in the past. We feel that they are tacking on additional funds that are not suppose to be there. Please help us resolve this issue. We have no idea as to what we are to pay in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the continued reporting of unverified and unauthorized negative accounts on my credit report. Despite my previous disputes, these incorrect items remain, causing significant damage to my credit profile.
Product: Debt collection

They called my parents instead of me regarding my student debt. Doing so is illegal as they can't share my information with anyone else but me.
Product: Checking or savings account

Ordered products on XX/XX/XXXX Don't need the products anymore so I asked someone to Return the product for me Got an error returning the products that's why I asked them to give me a new return label The first week of XXXX - Got 4 new return labels Packed the product individually and return them by dropping them in XXXX XXXX Office on XX/XX/XXXX, before Lunch Packages were tagged delivered on XX/XX/XXXX - Received and Signed Got an Email on XX/XX/XXXX, about packages not containing the right products Called and contacted them about making sure and how would that happen for all 4 products Keep telling me they will investigate but still getting the same response about the package not containing the right products and will not issue a refund Been messaging them for more than 2 months Tried to dispute it in my bank but got reversed because the merchant told them they delivered the products.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I purchased an item off of XXXX, the listing gave details about the item as to where the item is located, the price of the item, the shipping costs ( if any ) and taxes and that was it. The issue I am having is the fact that the listing never disclosed any information regarding the seller, thier location, or the fact that a fee would be assesed from purchasing anything from this seller. The listing did not state that the seller was in another country or that using a debit card would cost a {$7.00} fee. Which at the time, unknown about this XXXX fee until after the fact, put my account in a negative status. Which resulted in me receiving an overdraft charge from my bank of {$35.00}. So, when combined with the {$7.00} fee thats a total of {$42.00} extra dollars now I am having to pay for this item. The item costs XXXX plus tax of XXXX, a total of XXXX now when you combined this I am paying almost 20 % more for this item now. XXXX, Paypal and the merchant failed to list ALL applicable fees. It should be stated in the final price of an item that the seller is from a foreign counrty and that there will be an extra fee for this transaction. Because, it is very misleading to list that the item is in a state in your home country and never mention anything about extra fees or transaction costs that will be added from buying from a certain seller. That should be mandatory, included in the final price a buyer has to pay. 

Surcharges for credit card payments became legal in XXXX of XXXX following a class-action settlement between merchants, Visa, MasterCard, and a number of major banks. Now, merchants may charge from 2-4 % ( but not more ) of the underlying credit card purchase if you make your purchase using either a Visa or MasterCard credit card. This surcharge is meant to cover the cost that merchants pay to the credit card companies in order to have the ability to process payments made with those credit cards. 

However, merchants who add this fee onto their customers bills must post a sign in their front window notifying them of this. Additionally, the merchants must disclose the exact amount of the surcharge at the point of sale and on their receipts. A caution : For online purchases, merchants are only required to disclose this surcharge on the first page where the potential customer is prompted to enter in his/her credit card information. 

These surcharges may only be imposed on Visa and MasterCard purchases ; such fees may not ( at least not yet XXXX be assessed for an XXXX XXXX or XXXX XXXX purchase. Finally, a merchant can never impose a surcharge for a purchase made on a debit card. 
Lets read that last sentence again. And, not only should the merchant list the all fees, XXXX and Paypal need to disclose ALL possible fees and costs related to the purchase of a certain item at the time of sale. And, not charge or add on some fee after the fact. 
So, I would like {$42.00} refunded back to me for these expenses I've had to incur when I should have been made aware of all charges at the time of sale. Thank you.
Product: Credit reporting

I have disputed this several items requesting proof of my signature and the original contract which they fail to provide. I continue to receive the same response each time and within two weeks of each dispute which is " the account has been verified '' I demand proof of contract and signature or immediate removal from my credit file. Acct # XXXX
Product: Debt collection

Credit Solutions Corp was outsourced by XXXX XXXX to pursue DISPUTED DEBTS over XXXX years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. Credit Solutions ran a HARD INQUIRY. After speaking with the Collection manager of XXXX it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the XXXX was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

Credit Solutions Corp is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old zombie debts, by poisoning consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim f this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX account # XXXX
Product: Credit card or prepaid card

On XX/XX/2020 ; I purchased 2 tickets to fly to XXXX via XXXX XXXX for XX/XX/2020. I attempted to contact the carrier while I was still within their refund window. Ultimately I spoke to someone at XXXX XXXX who told me that despite the airlines refund policy ; since XXXX XXXX had rescheduled the flight- the transaction was no longer refundable. Since air travel was closed between the United States and the XXXX XXXX ; I was unable to take the flight. 

I enlisted Citi card to help resolve the issue, as the charge was on my Double Cash card. After more than a month, I received a notice telling me they wouldnt be refunding the money. I did not receive an explanation, an invitation to appeal, or contact seeking more details on the transaction. I feel that I was scammed by XXXX XXXX and later by Citi card for failing to refund my money per the Contract of XXXX.
Product: Credit reporting or other personal consumer reports

My identity was hacked through my computer and it now has a virus. loans were taking out in my name. the loan company are hassling me even though I did not do this. It is hurtful for someone to steal your identity and you get accused of the problems at hand. 
XXXX : Loan for XXXX XXXX  : Loan for XXXX XXXXXXXX XXXX XXXX  : Loan for XXXX Credit bureaus refuse to take off of credit report. 
Inquiries remain also. 
Please remove all from credit report
Product: Mortgage

I purchased my home XX/XX/XXXX of XXXX. Since then I have made substantial upgrades to the home including adding a bathroom addition, full kitchen remodel, landscaping and more. I had the home reappraised ( appraisal attached ) and it came in well over at {$XXXX} ( XXXX over ) the needed 20 % to remove the PMI I am paying. 

On XX/XX/year> I called Lakeview LoanCare Services and requested that my PMI be dropped and asked how I submit my appraisal for review. The woman on the other end explained that they could not use my appraisal. I must use someone from their team specifically for either a BPO inspection or a new appraisal. A BPO isn't a legally binding document so I was confused how that would XXXX my appraisal but she said I could give it to their BPO inspector for review at time of inspection. I then asked if I could go ahead and schedule the BPO inspection. She said based on my online portal I only had XXXX in equity in my home. I explained thats correct, it does not take into account any of the work that has been done hence the new appraisal. She said that in order to have the BPO inspector come out I had to submit a request to remove my PMI over the phone. I then had to wait 20 days to get a letter in the mail either approving my PMI removal or declining it. I asked how it would get approved without them seeing the home and obviously it wouldn't. So I have to wait 20 days for a denial letter. The denial letter will then explain my options to move forward with the BPO or the appraisal from someone from their team. I can then call back, wait on hold all over again, pay in advance and then request the inspection to be scheduled in the next few weeks.

I then logged back into my account today ( see screenshot ) and it says my home is worth {$310000.00} with XXXX equity. I purchased the home for {$360000.00}. Last week on XX/XX/year> my home had {$10000.00} in equity making my home worth {$360000.00} according to Lakeview without my home improvements being accounted for ( which evidence of was recorded on my call with Lakeview ). Somehow in 6 days AFTER making the request to remove my PMI my home value has dropped around {$50000.00}? 

This process will take well over a month which is basically just a scam for me to continue paying the PMI for at least another month if not more.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX from XXXX XXXX  ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Please provide the info i request on attach, repond by CFPB portal get evidence
Product: Debt collection

On XXXX XX/XX/2019, XXXX XXXX XXXX attempted to collect a debt for the amount of {$320.00} USD. The original creditor is XXXX XXXX XXXX. Per the collecting agency that a membership agreement was signed online and a charge card was attached to another name. 

I have requested numerous time to provide a proof and validation of proof from both the orignal creditor and debt collecting agency but they have been unable to provide suce information. I was advised to resolve the matter with the club general manager but had to pay the debt in order to alleviate credit problems. 

I do however, have email communication from the fitness club representative/sales rep that they need our signature in order to bind the contract. We did not signed any contract with the fitness club that they can provide. 

The debt collector and the original creditor continue to call despite my request of validating and proving that I owe such debt. A formal letter is submitted signed by me to XXXX XXXX XXXX for the debt validation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX account # has 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 instruction. XXXX XXXX XXXX, XXXX XXXXXXXX {$0.00}, XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00}, XXXX XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, 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

fraud these accounts need to be removed asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and XXXX XXXX. I NEVER signed any paper work or obtained loans from these creditors. I asked XXXX XXXX to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or I did not made transactions with these accounts. 

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Checking or savings account

I have been calling for days to activate my card and have been on hold for hours without speaking to anyone I have doctors appointment and medication I need to pay for and cant do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these accounts that have been reporting the wrong amount, dates, etc of accounts for over 1 year. If these accounts are not reporting 100 percent accurate, I am requesting immediate deletion.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX  XXXX {$0.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} XXXX  XXXX  XXXX XXXX {$850.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report that I did not authorize
Product: Debt collection

I have contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Im writing in regards to complaint About XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services bank, XXXXXXXX XXXX XXXX XXXX inquiry that was not filed by me
Product: Credit reporting or other personal consumer reports

I'm feeling XXXX XXXX XXXX XXXX regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.