23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Filed ins claim and repairs were made out of my pocket. On XXXX final inspection completed but not updated until XX/XX/XXXX in lakeviews 's system. On XX/XX/XXXX I was promised a supervisor because of the delay, noone ever called me on XX/XX/XXXX I called again and promised a supervisor call, noone ever called me. My insurance check still has not been released. The claim website never gets updated. Today is the XXXX and still no supervisor call or check released They are holding on to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to make Convergent Outsourcing aware of the fraudulent debt they claim I owe them ( {$1800.00} ) Is not only unverifiable but I also have no legal obligation to pay them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company several time asking them to provide proof that I in fact owe them I was sent a frivolous bill. Of which a bill does not constitute a legal obligation.
Product: Credit reporting or other personal consumer reports

There is XXXX inquiry from this company XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And I also reached out to XXXX and they sent a request for them to remove these from my credit report and we are still waiting after a month done went by
Product: Debt collection

IQ Data International inc : amt XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state RESOLUTION : I demand the business remove the negative report against my SSN at any credit  reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database. <P/>Hope this helps. This has been successful for me personally in have the collections removed from my report however each individual and circumstance is unique.
Product: Mortgage

My loan was sold or a change is service took place during the first half of XXXX to XXXX NMSL # XXXX ( aka LoanCare NMLS # XXXX ). I paid my loan payments regularly as a scheduled payment from my bank. After the transition happened, I noticed some payments were missing. I have called Customer Care and eventually got transferred to payment research group via email. Their initial response to my request on XX/XX/XXXX basically did nothing and asked for proof of payment. I got proof of payment ( attached along with payment application schedule ) and submitted again on XX/XX/XXXX with a follow up on XX/XX/XXXX. There have been no response or any resolution though they tout 2 day turnaround on these requests. 

I am missing 2 payments of {$1500.00} each from XXXX and XX/XX/XXXX. I have done an analysis from the data listed on their website of my payments and application of payments over a year where I point out the missing payments on the attached Excel file. At this stage, I have contacted them multiple times via phone for resolution and through the payment research email support channel. I have no confidence in their interest or efforts in resolving these issue and would appreciate any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

iam victim of identity theft from close relatives and my x fianc i was XXXX in XXXX iam in XXXX XXXXXXXX i come back and i was trying to buy a car they pulled my credit and i found a bunch of accounts on it i contacted the creditors and mailed them and no response and then i contacted the credit bureaus and no response this is an improper use of my credit report. in accordance with with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states i have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 1666B, a creditor man not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose i contacted all of them and showed them that i was XXXX and no one responded please remove these accounts and here is my tracking numbers : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation imposed on my PayPal account ( EMAIL : XXXX ). I believe there has been a misunderstanding or mistake, as I have always strived to adhere to PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I am confident that I have not violated any PayPal policies, knowingly or unknowingly. I have been a loyal and responsible PayPal user for an extended period, and I rely on the platform for various personal and financial transactions. 

I kindly request that PayPal re-investigate my account and the circumstances that led to this limitation. If there has been any unusual activity or misunderstanding, I am committed to working closely with PayPal to resolve it promptly and amicably. 

I understand the importance of maintaining the highest standards of security and compliance, and I am fully prepared to provide any information or documentation necessary to assist in this investigation. 

In conclusion, I humbly ask PayPal to reconsider the permanent limitation on my account and, if possible, to reinstate it. I have always valued the services and convenience PayPal provides, and I look forward to resolving this matter to continue using the platform responsibly. 

Thank you for your attention to this appeal, and I appreciate your prompt consideration of my request. Please do not hesitate to contact me at the email address associated with my PayPal account, XXXX, should you require any further information or clarification.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report! Leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently failed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the disputes outcomes. These failures align with my experience, when Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate collection action to remove or amend the dispute accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I feel ive been XXXX profiled from Experian I have submitted proof and documents that support an account that does not belong to me several times Ive also asked for old adresses to be removed from my credit profile my requests have been ignored because of my race this company is stopping me from trying to improve my quality of life and improve my credit profile This company is know for giving false credit scores to people based on their race
Product: Credit card

They sent a letter stating they were increasing fees and if i wanted to I guess agree or not agree call in I called in saying I didnt agree and in that effect came to an agreement of a closing my account. I have a balance in paying off so I made a payment arrangement in order to meet said balance. I made a payment arrangements of XXXX something now i payment arrangement went up to XXXX and I never agreed to that. They allege they are charging maintenance fees when they never sent in a email or anything advising me they were going to start charging that. I contacted the Fortiva credit card company and said they werent going to do anything about it and I could go as I please. That they werent supposed to notify me anything since I had a balance which I said I know I do and in paying it off but you guys were supposed to notify customers about any fees that you guys are going to charge us before hand
Product: Debt collection

Is that is in fact not mine and I am not responsible for and Ive contacted them with no response
Product: Mortgage

Loan Servicing ( intimidation to refinance with mortgage institution ). 
Last week, I called Bank of America in an attempt to understand my options, due to my Home Equity Line of Credit, turning into a balloon payment in XXXX 2016. At the time, I informed the customer service representative about competition in the market place and I requested their best rate, as my bank ( not BoA ), has mailed me a formidable offer for my home equity line of credit. The agent treated me with disrespect, therefore I asked for a supervisor. The supervisor continued this treated. In addition, the supervisor informed me the value of my home has decreased. I responded that I have obtained a recent Appraisal from a Virginia Licensed Appraiser and his information is inaccurate. Also, I only asked about my options with regard to the balloon payment, never did I request a change of my loan or to apply for a new loan. 
Seven days later I received a letter from Bank of America which suspends my Home Equity line of credit, due to the decreased value. Also in this letter, is evidence that BoA checked my credit and made a consumer decision denying my loan ( I never authorized them to check my credit, nor did I apply for a loan ). It is important to note, we have never missed a payment. Also, on a recorded message while on hold, BoA records customer calls. I welcome your monitoring these conversations.
Product: Credit reporting

Equifax credit bureau is inaccurate coding soft inquires as hard inquires to remain on my credit for 2yrs instead of 12 months. XXXX XXXX XXXX, XXXX cable and XXXX should be removed from my credit these inquires are consider as soft inquires. All of these companies review my credit was for services to promotional offers with these utilities company. This inaccurate coding of inquires is causing damage to my credit rating from Equifax Credit Bureau and I plead that this would be corrected and remove. I had attach document to support my claim.
Product: Credit reporting or other personal consumer reports

DELETE INACURRATE ACCOUNTS ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. I XXXX XXXX as a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a XXXX, XXXX, or XXXX  law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Debt collection

I am fully aware of LVNV Funding LLC unlawful lawsuit and illegal collection practices as there has been many class action lawsuits against them. There is no data listed on my credit report for this account. Attached are copies of statements that I received from LVNV funding but it did not validate the debt. I have had previous history with companies and having to go to court for these same reasons. Which is why I am asking that the debt from my previous complaint be verified in whole before any other actions are taken by myself or LVNV Funding LLC.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dentist for a cleaning. They said I needed their version of XXXXXXXX, for straightening my teeth. It felt like a over sale right from the start. My insurance did not cover it, so they had me to fill out some forms. I did not receive any treatment. We were going to revisit it on my next appointment. I never went to said appointment. Called and stated I did not feel comfortable with the scenario and I did not want to proceed. I never authorized any charges. Now it is showing up on my credit report and I am getting harassed by debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit needs to be fixed Did not do this Complained over 5 times
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Product: Vehicle loan or lease

On XX/XX/XXXX, I leased a car XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where the car was serviced before driving off the lot. 

Unfortunately, the car has not performed well because the car requires a new engine after a month and a half of ownership. I am disappointed because after I contacted management in regards to the problems I faced, I was turned away because of assumption of negligence in filling fluids. I purchased an extended warranty but the warranty company wants me to pay for the tear down of the engine to see if they may cover it. I believe I was sold a lemon.
Product: Credit card or prepaid card

Again Synchrony Bank has violated The Card Act of 2010 signed into law by then President Barrack Obama in 2009. Violated several previous times lowering a credit limit without prior notification. Most recent received a letter from Synchrony Bank datedXX/XX/2019 stating in part " Synchrony Bank has LOWERED ( past tense ) your credit line ''. This makes 4 violations of The Card Act which is a Federal Law. It has been treated as a civil act which should be prosecuted as a criminal act.
Product: Debt collection

Very rude representatives. Call multiple times a day. Refuse to send any information via email or postal service. If call is not answered they will hang up and immediately call back.
Product: Debt collection

A relative received a text from Arcon Credit Solutions regarding an attempt to collect a debt on my behalf. I have not received documentation regarding the debt or a text, like the relative did. When I contacted this agency, the woman I spoke with told me that they had sent me the documentation and even after telling her I have not received any documentation from them regarding this debt, she told me they had already sent it and would not send it and that this wont just go away.
Product: Debt collection

I received a bill from XXXX XXXX XXXX in the amount of {$1300.00} from an account that I never opened. I reported my identify as stolen in XXXX of 2019 since this person committed multiple unlawful transactions using my identify. The person also used an address I have never resided at and does not exist. This debt is not mine, and should have never been able to process through.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Money transfer, virtual currency, or money service

Last year I had sold a gaming console to someone from XXXX XXXX who made a new fraudulent and then paid me through Venmo. After which they did a charge back on that credit card. Venmo then sided with that invidual who has a fake account and used a fake identity to do this to scam me out of {$750.00}. Venmo took that funds from my account, sent it to the other person, and then froze my account without much investigation or thought. This happened on XX/XX/XXXX of XXXX. I tried many times to call Venmo and reach out to their support without much avail. The person 's Venmo name and their real name dont add up. If you go into that person 's account you can see that they have no history or friends, nor is their identity verified. 

I had my account since Venmo first came around and I have over XXXX friends on there and my identity is verified. 

I've been a customer of Venmo for a very long time. My account is verified I have had many transactions on there over the course of the last decade or so.