23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX statement was printed saying XX/XX/XXXX payment was for {$540.00}, I made a payment in XXXX and didnt go through and was charged {$25.00} NSF. Dont know what happened but wasnt my fault. On XX/XX/XXXX I made a payment with a representative confirmation number XXXX. I paid the amount due and {$25.00} NSF fee on XX/XX/XXXX within the month it was due. I than confirmed with the representative that took the payment that I ful-filled my mortgage obligation for XXXX they said yes. But they put my payment under Unapplied funds and reported to credit bureaus I was 30 days late. This isnt true and can see I made my payment obligations in the month of XXXX for the amount due and along with the incorrect NSF fee.
Product: Money transfer, virtual currency, or money service

Venmo froze my account on XX/XX/XXXX when I switched from an XXXX  phone that broke to a new XXXX. I've been unable to pay or be paid since. 

I was advised to upload photo ID which I did immediately on XX/XX/XXXX. 

When I called today XX/XX/XXXX, I spoke with a rep and a supervisor both of whom gave no reason for my account being frozen and no further recourse aside from waiting for an Account Specialist to contact me up to 3 weeks from today. Unacceptable Venmo Case XXXX Supervisor name : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Information Address XXXX  XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type REAL ESTATE-JUNIOR LIENS Date Updated XX/XX/XXXX Payment Received {$150.00} Last Payment Made XX/XX/XXXX Pay Status Current ; Paid or Paying as Agreed Terms {$30.00} per month ; paid Monthly High Balance ( Hist. ) High balance of {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX ; {$3600.00} from XX/XX/XXXX to XX/XX/XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions
Product: Debt collection

Dear Transunion, I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

Account : XXXX XXXXXXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. Kindly remove it from my credit report. 

It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm truly upset because I recently applied for a credit card and got denied so I go home and checked my credit report. I immediately notice things on my credit report that are not mine. This saddens me because it so easy for people to hack your information. I have contacted the FTC and my local police. These Items are not mine and I need these items removed from my credit report XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX XXXX  ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Debt collection

MIDSTATE COLLECTIONS, {$1900.00}. I have disputed this amount 2 times and have been unsuccessful. I was notified that i have this collections and when i called into the original debtor ( XXXX College ), they were unable to locate me or my account in their system. They are unable to search my name via social which is a red flag to me. i request that this collections account is taken off my credit report as it is affecting me tremedously. 

I have disputed this about 3 times with each bureau but it still appear. Please remove this from my credit report as it is incorrect and unacceptable. 

XXXX
Product: Debt collection

This company continues to report a debt that DOES NOT belong to me. I do not know this account. Cease all communications and Please remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was n

ever late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted a complaint to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 following fraudulent items completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$4600.00} ; XXXX XXXXXXXX Balance Owed : {$130.00} ; 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 XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. Ive distributed this fraudulent account immediately once I because aware of it. I was told by email ( see attached ) the account would be closed due to it being opened without my knowledge or permission. For the last few months this account is not only reporting negatively on my credit report as a collections account. Its now reporting late payments. This house cost my $ XXXX of dollars in denied credit. At this point Im considering taking legal action.

15 USC 1681 section 602 15 USC 1681 section 604 A 15 USC 1666B A
Product: Credit card or prepaid card

I applied for a card with Discover. I received my turn down letter on XX/XX/2022 and it stated that I was denied because of the status of existing/prior discover card account. I am only an authorized user on my daughter 's account so that I could help in clearing up a transaction for her. I do not have a card to use.
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 accounts 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, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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
Product: Debt collection

Comenity Bank the servicer of XXXX XXXX Credit card has been contacting family and associates of mines during the month of XX/XX/2019 and earlier even after they have been told not to on previous occasions. They are violating my privacy and any business matters I have should be with me not anyone else. They are also not complying with the Fair Debt Collection Practices Act as they have released information regarding my debt to non authorized third parties.
Product: Student loan

I have been trying to dispute Equifax for months about my 6 Consolidated Student loans through US Dept of Ed that were reported through the pandemic as in Collections and Account Status 120+ past due ( XXXX ) instead of Paid in Full by Consolidation and in Federal Forbearance like the Cares Act instructed. My family and I have been negatively impacted by this and my credit scores, I haven't been able to get the house I need as a essential worker because of this. I called the Us Dept Of Ed on this and they agreed with me that these things should be cleaned up because these accounts are Paid In Full by Consolidation but Equifax is telling me they are confirming these disputed things. It's confusing and a dead end loophole.
Product: Mortgage

Today is XX/XX/2020 and I like a great many people in the United States am quaranteened at home due to Covid- 19. Unfortunately, the official medical narrative determines that I am a prime target of this deadly virus for multiple reasons. For these and other reasons I listen to our officials and take head of their warnings and concerns voluntarily for the protection of us all.

I have 30+ yrs of federal service and I have been devasted by this  pandemic financially, physically and emotionally as I have lost several loved ones already. I sent servicer Nationstar Mortgage LLC d/b/a Mr. Cooper not 1 but 2 requests for FORBEARANCES under the federal mandates of the " CARES ACT '' which was signed into law XX/XX/2020 Upon being notified by my own federal agency of their extreme delays in processing applications for benefits of up to 18 months, I requested the extended additional 180 day cares act forebearance. 
Nationstar Mortgage LLC d/b/a Mr. Cooper acting as servicer for Fannie Mae refused to even acknowledge the 1st written request sent months ago and only responded to the 2nd written request when it was sent through the CFPB complaint portal and the Courts.

In defiance of federal law, XXXX XXXX   directives, FHFA and the common good of this suffering nation Nationstar Mortgage LLC d/b/a Mr. Cooper finally sends a response that is not factual, unsupported by law ( CARES Act ) and contradicts the investors ( Fannie Mae 's guidance ) : 1. XXXX XXXX directs all Forbearance requests to be processed by the servicer ( accounts in Bankruptcy are reimbursed by XXXX XXXX for any notices the Servicers may be required to submit to the Court suspending payments for duration of forbearances. 
2. My written request has been sent to multiple ever changing counsels for Nationstar Mortgage LLC d/b/a Mr. Cooper and none have replied. There have been approx. 4 different firms in recent months. Another different lay firm is now claiming to represent this servicer in less than a month some law group out of the state of Florida. 
The acts of Nationstar Mortgage LLC d/b/a Mr. Cooper are deceptive, unfair and illegal. It would appear to any reasonable authority designed to escape compliance with federal law and the directives of the investors they claim to serve. There are a lot of uncertainties but being homeless with a minor child and a bad XXXX is not suppose to be one during this pandemic as we fight for our lives. 
Mr. Coopers representative stated the process of inputting a CARES ACT forbearance only takes 2 minutes why have I been going in circles with this valid written request for months and Nationstar Mortgage LLC d/b/a Mr. Cooper says that they have started the process.
Product: Prepaid card

Good morning. There is a problem with the XXXX XXXX system. It says that it transferred mine and my husbands unemployment money to our bank then it credited it back to my card. Says that funds are available but when I try to do a single bank transfer it says I do not have funds available. I tried calling the service number to speak to someone but that doesnt work I keep going in circles with the prompts there is no way to speak to a customer service person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Meridian Financial Services ( XXXX XXXX XXXX ) is a collection agency that is hired by XXXX XXXX XXXX. They are a subsidiary of XXXX XXXX. XXXX XXXX has joined XXXX XXXX  yet XXXX XXXX is involved with assessing me penalties and fees. The balance is incorrect and the balance was been paid off on XX/XX/2019 through my XXXX Credit Card. Meridian never mailed me a statement until I was 3 months past done on my account. They refused to remove the remark. I have written a dispute to the three credit bureaus but it takes time and there are no guarantees. I want this company to be held accountable and I should not have to pay for the {$240.00} of penalties and late charges they are charging me. I would like further reimbursement for those charges. The correct mailing address is on my original contract or trust deed for my contract, yet both XXXX XXXX and Meridian Financial failed to mail my statement there until after I was three months delinquent and this has impacted my credit.
Product: Debt collection

I had a medical bill with XXXX in XXXX, IN. That medical bill was paid in full on XX/XX/2014. XXXX contracted XXXX separate credit agencies to place XXXX reports on my credit. XXXX report XXXX XXXX. XXXX XXXX shows the correct amount of {$80.00} as XXXX. The second report ( XXXX XXXX XXXX XXXX shows an incorrect amount of {$220.00} as Paid. The third report ( XXXX XXXX shows an incorrect amount of {$290.00} as Paid. Attempts to contact XXXX from billing at XXXX resulted in unreturned phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

MEDICAL Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

The following personal information is incorrect : Account Number : XXXXXXXX XXXX- Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ). 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 accounts 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX