23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After filing my most recent complaint against Transunion they have taken retaliatory measures and began adding unknown/fraudulent accounts to my credit report. This account does not belong to me it is fraudulent XXXX points were removed from my score as well to farther add to their intentional deformation of character I did not open or attempt to open any XXXX XXXX Account this account was made and entered fraudulently to Harm my credit for unknown reasons. I literally just checked to make sure my credit report was frozen XX/XX/year> XXXX EST prior to that date I checked and XXXX XXXX XXXX XXXX  EST during which I unfrozen and refrozen all 3 accounts to insure that my accounts were locked. 
Transunion claims Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. This account was added XX/XX/year>. I have proof this is them damaging my credit because I have been reporting everything theyve done and am tired of these tactics of harassment against the fair credit act
Product: Checking or savings account

During XXXX, I requested forbearance on my mortgage. But still paid my mortgage monthly in full. They took that money and put it in an account that I did not have access to and did not apply to my mortgage. It took 9 months for them to release those funds and release the forbearance. Then applied the amount to my mortgage. No interest was added to the thousands of dollars they held. I was never notified of the account and it took several months to release me from forbearance because they wanted the past months mortgage paid first. They didn't want to take the money they put into that illegal account to pay the balance. It took months for them to release the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a late payment on XXXX, my balance is less {$900.00} and they report {$1900.00} and wrong utilization pourcentage I have called them to fix this, they referred me to the reporting agency all XXXX bureaus did not correct it despite I sent pictures of my new balance and no late payment
Product: Checking or savings account

{$14000.00} was taken from our savings account. We did not withdraw it but wellsfargo said because someone accessed our account on line they can't do anything about it so they closed our case And we are just out our complete savings account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not grant permission of my information to be shared with any credit Bureau. I've contacted the courts were all cases took place and all in written response stated they do not share my information with anyone. I can confirm that this was done with out my permission and the courts permission. 

XXXX XXXX- {$250000.00}, XXXX- {$350.00}, XXXX- {$330.00} Bankruptcy-XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

Complaint details : PHH MORTGAGE SERVICER has changed their payoff quote several times because they alleged they overpaid the insurance premium. 
We sold the house and the title company wired the funds to PHH as of XX/XX/23. 
PHH never credited that they received the funds. They insisted that we pay them $ XXXX. 
They told us they would charge us attorney fees foreclosure fees etc if we did not pay immediately. 
The XXXX XXXX XXXX sent us the refund. 
Because of the confusion I submitted a complaint to the XXXX and PHH response letter indicated that they can not verify they overpaid the insurance and that I can claim the refund. They also said our account was not in foreclosure and that they admit no error. They advised by emailed letter there was an outstanding set of fees totaling {$170.00}. We immediately notified the title company and provided a personal check so the outstanding balance could be wire transferred. 
They would not confirm that the account was satisfied. The escalation department and customer service has advised us that we owe several different amounts. 
I do believe we are entitled to claim the insurance overpayment because according to PHH Website we owed $ XXXX but they made us pay $ XXXX so we thought that was them charging us for what they paid the insurance. I am requesting correction and that they abide by the letter that their research department has sent. We should not be charged anything above the amount demanded in the original pay off quote. We made the payments in good faith and we are not responsible for any errors or miscalculations. PHH held our funds for 30 days before returning to the title company on XX/XX/23. We need immediate intervention and I would also like them to immediately provide a lien release to us. The Title company attempted to send all the funds again this week and the funds were returned by the mortgage SERVICER.
Product: Credit reporting or other personal consumer reports

I did not make these hard inquiries! These are 3 of 13 hard inquiries ( across 3 bureaus ) made using my information that I did not authorize or request. I have been a part of 2 separate data breaches in the last few years and believe this is a result of that. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express XX/XX/XXXX
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.
Product: Mortgage

I have tried numerous times to get in contact with the company to have my loan updated so that i am fully responsible for paying property taxes on my loan. Considering Myloancare 's history with not paying property taxes and causing their clients to lose their homes i wanted to be proactive. I have found it IMPOSSIBLE to get anyone on the phone, as the offices are either close ( for going on a week straight now ) or send you to an automated phone tree that hangs up on you. I even attempted to call the parent company XXXX to see why the offices where closed and if there was a different contact i could use. The lady called me a liar, saying the office are open and hung up. Considering how many other customers seem to be having the same issue, maybe the government will have a less difficult time. This is insane that they are allowed to continue operating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting a 90 day late in XX/XX/2018 on ( XXXX/Dept of ED ). 
How can this account be 90 days late when it was on time the month prior. This is an inaccurate reporting. Please remove the 90 day late from my credit file and update this account to open, never late.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was charged a late fee of {$3.00} for the month of XX/XX/XXXX. This fee was paid on X/XX/17. On Monday, XXXX/XXXX/XXXX I called and spoke with a manager ( XXXX ) at extension XXXX asking the fee be removed. XXXX checked my payment history and verbally confirmed over the phone with me that the late fee of {$3.00} had been paid ( in XX/XX/XXXX ) and he was unsure why it was still on my account. XXXX stated he would put the request through and have the {$3.00} fee removed and my account current again. He confirmed he would call me on Wednesday ( X/XX/17 ) to confirm this was taken care of. On Thursday, X/XX/17 I followed up to speak with another manager only to be informed they are not removing that late fee of {$3.00}. I have paid above and beyond the late fee of {$3.00}. My monthly payments are {$60.00}. You will see below my payment history and how in-fact the late fee of {$3.00} has been paid. On X/XX/17 I made 2 payments of {$67.00} ( this covered the XX/XX/XXXX late fee of XXXX and covered and ensured that XX/XX/XXXX was paid on time ) On X/XX/17 I paid ( on-time ) {$63.00} when I only owe {$60.00} each month.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft I have all my supportive documentations towards this tragic situation such as my FTC report, proof of address for when it took place, police report, NC DL, Identity Theft Victim 's Complaint and Affidavit. 
How ever the following accounts noted on my complaint and affidavit form as well as on my FTC REPORT are not mine or authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX card svc FAC customer service XX/XX/XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX These inquiries are on my credit report due to idententy theft and fraudulent activity. I would like these inquires immediately removed from my credit report as it is fraud. I have filed a fraud/ identity theft report through XXXX county police depart in Texas XX/XX/XXXX case # XXXX
Product: Bank account or service

After seeing a debit card transaction on our account that I did not recognize, I researched as much as possible by contacting the company in question several times. They had no information as to why we would be billed as we were n't even in their system. I also checked with our insurance company which did not have any such billing through them. We never received a statement from our insurance company pertaining to this transaction nor had we done business with this particular company. I contacted via phone HSA Bank and spoke with XXXX. She canceled the card and emailed a transaction dispute form for me to submit. I submitted the form on XXXX/XXXX/16 per instructions on the form. It was received by their agent on XXXX/XXXX/16 per USPS tracking. On XXXX/XXXX/16 I spoke with XXXX who said there was no record of receiving it. On XXXX/XXXX/16 having no reimbursement into our account nor hearing from HSA Bank, I again contacted and spoke with XXXX, who told me there was nothing they could do as they only send out the forms. The supervisor refused to speak with me but suggested through XXXX that I send a letter or fax. On XXXX/XXXX/16 I faxed a letter along with proof I sent and they received the form. I have yet to get a response. On XXXX/XXXX/16 I called one last time and spoke with XXXX XXXX who said to email her my proof and she would forward it to the appropriate dept. I have yet to hear anything from anyone at HSA Bank and have not received reimbursement to our account per their on own protocol ... within 10 days. As an added note, the dispute form instructions plainly state that if I have any questions to call the number on the back of debit card ... THEY 'RE the ones who keep telling me they ca n't help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my Rights. 15 U.S.C section 602 A. Sates 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: Credit reporting 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. This account is completely false and unverifiable, and someone misused my personal information and social security number. 

OFFICE OF THE ATTY GEN : # XXXX 15 U.S.C 1681 SECTION 602 ( A ) : States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish an account without my explicit written permission.

15 U.S.C. 1681C ( A ) ( 6 ) : Any other adverse item of information 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 any reasonable cause that the information is inaccurate.
Product: Debt collection

Wells fargo agreed to contact all people they did these and other crimes, to pay XXXX billions to compensate them for what Wells Fargo 's did with their fraudulent accounts. Wells Fargo has not contacted me to settle, they usually just tell me to get an attorney, but in Texas a minority always has problems getting any attorney to represent them standrad procedure ....
Product: Mortgage

We are in foreclosure with a TS sale date. I contacted Wells Fargo bank on XXXX2016 to request a modification and was forwarded to their home preservation department. The representative informed me that they have to transfer me to their RE-ENTRY department because of the upcoming sale date to apply for a modification. We faxed in the documents that they provided which was a form called UNIFORM BORROWER ASSISTANCE FORM. I faxed in the form along with all required documents that same day. I called later that day to confirm that they did receive our documents and they had. I called the following day only to be told, that the form that we had completed was the wrong form and that the investor for my property requires a MAKING HOME AFFORDABLE ( RMA ) form. We faxed the new documents in on XXXX XXXX, 2016. They informed me that in the Re-Entry department that it goes through a 1st level and then a 2nd level review. I called daily for a status and continue to get the run around. We sent in a utility bill in my husbands name and then when I called for a status then they wanted a utility bill in my name. The bill that I sent in my name had my XXXX XXXX on it but the service address was to my house. They did n't except that. So on XXXX/XXXX/2016 I spoke to a supervisor about sending in a monthly car insurance bill with my name and my husbands name on it, he approved it. When I spoke to them on XXXX/XXXX/2016, I mentioned the CFPB and the California Bill of Rights and stated that because it 's in review that they must postpone the sale date, it was then that they informed me that we are not in an active modification review. They must complete the review in the Re- Entry department and then send it to the home preservation department for review. When I spoke to them on Saturday morning XXXX/XXXX/16, they said that the insurance proof was an issue again. I spoke to another supervisor about it and she said that she will send the first supervisor who approved it and get confirmation from him because it 's not in his notes. It is one stall after another. They are trying to still our house.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, I sold executed a sell order for XXXX Litecoin ( LTC ) from my account with Coinbase. The sell order was for a USD equivalent of {$1500.00} which was to be deposited via wire into my verified, personal bank account connected. The sell order status ( and associated wire ) are both reflected as 'completed ' on Coinbase, however ; I have not received the USD funds in either of my Coinbase or personal bank account. After checking with my personal bank to determine whether they may have rejected a wire and confirming that no wires were received, I submitted a support case to Coinbase on XXXX XXXX XXXX. The support case went unanswered for 17 days until on XXXX XXXX XXXX I received a message saying that the issue had been investigated and was being addressed, but without any details on the timeline for resolution. As of today, XXXX XXXX XXXX I have yet to receive the funds or any follow-up message regarding the path or timeline to resolution. My understanding is that Coinbase is a U.S. based entity with approval to operate under the oversight of state and federal regulators. With this being the case, I expect that customer support be sufficient to handle errors and resolve inquiries much faster than the nearly 30 days that this issue has remained outstanding ( and open within the Coinbase case system ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have given notice to EXPERIAN on XX/XX/2022 that identity theft has occurred and inaccurate reporting has resulted from the identity theft. 

included below is a list of inaccuracies being reported. 

XXXX XXXX XXXX XXXXXX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. EXPERIAN XXXX XXXX  XXXX XXXX. EXPERIAN 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

My name is XXXX XXXX. I would like to submit a complaint about Equifax. I was looking at my credit score. I found a credit card that has been reporting as opened XX/XX/XXXX I have never had this account. Last payment XX/XX/XXXX. 
I called XXXX XXXX they have no record of the account. So it is an Equifax error and I want it removed from my credit score immediately.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''