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

There is a bankruptcy being reported on all XXXX credit bureaus. I reached out to all agencies and was told that this information was furnished and verified to be accurate by paid source XXXX. I reached out to XXXX XXXX who responded saying that this was not true, and this information was not furnished nor is this on my XXXX XXXX report. I reached back out to all agencies on conference calls with XXXX XXXX and was told that they would need proof from XXXX XXXX. I have submitted my XXXX XXXX report and was told that was not sufficient. XXXX XXXX even asked agencies to validate when said information was furnished and was told that they were not at liberty to answer. I have also asked agencies to provide me documents to support the validity of this reporting and was told they have no such document. I am demanding that these agencies provide me document to support this reporting or remove this reporting as the said furnisher has provided document showing this information is not reported on my credit file.
Product: Mortgage

I requested to have my private mortgage insurance removed from my loan in XX/XX/XXXX via my online account with PennyMac. I was told that my loan to value based on my original amount did not meet the required loan to value ratio and that I would need to wait until my mortgage had matured to two years, and so long as I had a good payment history, I could apply to have my private mortgage insurance removed based on the current valuation of my home, but there would be a fee of {$150.00}. 

My original loan is dated XX/XX/XXXX. In XX/XX/XXXX, I contacted PennyMac to have the private mortgage insurance removed based on my current home value. I was given the option to pay the {$150.00} to have a current valuation of my home completed. However, when I sent an email noting that I was willing to pay the {$150.00} to have my home undergo a valuation process and included some improvements that I made in the home, which is not required for the current home valuation process, a PennyMac representative denied to process my request and has not responded to my correspondence since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. I am a victim of identity fraud in 2015.
Product: Debt collection

This company is reporting unfair, and unverifiable information on my credit report, they are stating that I'm in a term monthly with this company. I have rented two property with this company I stayed in Both homes for 1 year only this company unfairly did not returned my security deposit of over XXXX for XXXX XXXX and XXXX for the other home. this company has yet to provide me or prove to me that I owe the sum amount of XXXX for one home and XXXX for only staying there one year in each property. I have contact XXXX  and XXXX to ask them to remove these derogatory remarks on my credit report as it is hindering my credit. There response from the credit Bureau is that the information meets requirement of the fair credit reporting act ). However I still have not been provided any proof after sending several letters asking for this information. I have enclosed some move out pictures from both residents
Product: Checking or savings account

On XX/XX/year>, I received a fraud alert text from the back and I confirmed I was making an online purchase for {$220.00} with my business debit card. It's been 24 hours, after multiple calls with the local branch and the Citizens Bank fraud department but the card is still blocked. I was told there was an algo that said it was an unusual pattern to purchase online ( I frequently buy online ) and a high amount ( {$250.00}! ) so it was not allowing the purchase. The bank fraud dept said it was not frozen, the bank manager saw the transaction show approved for {$0.00} and my webscreen showed transaction declined. No one can resolve this 24 hours later. It's my money! There should be no limit on my purchases and they must stop this interference and fix the algos. The bank said they have many complaints like this since switching to mastercard. They said I am not debanked but it sure seems like I am. Please assist.
Product: Debt collection

I have items on my consumer report that are a result of an third party company trying to collect and debt and I have not done any business with them or signed contract with this third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. I have submitted numerous dispute to Equifax to have inaccurate items removed from my credit report as well as some unknown things. My 3rd dispute I mailed in was on the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Equifax at all in regards to my dispute I mailed in. I feel like that Equifax is purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in XXXX twice stressing over this. It's not fair and federal laws are being broken at this pointI.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts and unauthorized inquiries have been added to my Experian credit report. These were not initiated by me. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Back in XX/XX/XXXX I filed a complaint with this department, ( case # XXXX ). XXXX XXXX XXXX responded and a modification was implemented in a couple of months after two and one half years of stalling. I paid $ XXXX for 3 months and a permanent mortgage was granted. This was nothing resembling the modification that was presented to me, a waste of {$6000.00} or as I see it a SCAM on XXXX 's part. I refused because it would have left my wife and I tied to this house till XXXX. We are in our late XXXX 's and hoping to sell house in XXXX years and move into an apartment. The house was extremely under water at that time as well as now.A few months later XXXX proposed another modification which I started but my mortgage was sold to Caliber Home Loans. with a new loan number. 
Please help I do n't want to go to foreclosure. I currently have not been discharged from chapter XXXX bankruptsy. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Fl. XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

I am unable to review by TransUnion Credit Report despite me validating my account with my telephone number on file- ( thru text message ). I have called TransUnion Number and the phone call was disconnected multiple times after being on hold for a long period of time. 

I have a right to utilize a consultant company to assist me in submitting letters on my behalf. XXXX XXXX XXXX is NOT a credit repair company and they have not requested " payment up front '' as noted in the attached letter. I have granted limited Power of Attorney to XXXX XXXX XXXX to submit requests/letters on my behalf- ( see Notarized Power Of Attorney ) and TransUnion have sent `` Stall Letters '' and have failed to investigate any inaccurate and incomplete information. TRANSUNION is the only credit reporting agency that I am unable to obtain my credit report, unable to reach a representative and have FAILED to investigate inaccurate and incomplete information on my credit report. 

I am almost certain that TransUnion is reporting inaccurate/incomplete information- ( I have verified my report thru third-party company-XXXX XXXX-which not the most reliable information. 

I am requesting for Transunion to send my OFFICIAL and COMPLETE Credit report dating from when the accounts were originally opened to current date. 

I am also requesting for Transunion to review the following account for possible inaccurate/incomplete information- XXXX  Acct # XXXX 30 Late payment XXXXthis is INACCURATE-SEE BANK STATEMENT SHOWING ( 2 ) PAYMENTS MADE IN XXXX. 

I contacted XXXX and the representative confirmed both payments were received in XX/XX/year> but XXXX posted the XX/XX/XXXX payment was posted for XX/XX/year> payment-the representative was unable to explain the reason and requested that I submit a dispute. 

XXXX XXXX Acct # XXXX Ensure Accuracy and completeness of reporting on this account. Provide verification/validation of negative information on this account.
Product: Credit card or prepaid card

For the past 2 months I have attempted to change ( increase ) my autopay on Synchrony 's website, however, after inputting all required information as requested, and reading the terms and conditions that state that you must accept these, the website does not provide an accept or decline button to accept the terms and conditions, thus no submit option is made available and the ONLY way to change the autopay is by calling customer service. This seems like a very unfair and deceptive act or practice that Synchrony is doing to their consumers. 
I did not receive an immediate email confirming my oral agreement to change the autopay amount either.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.RECEIVABLES PERFORMANC ( XXXX ) DATE FRAUD BEGAN XX/XX/2021 {$1900.00} I HAVE SENT OUT SEVERAL LETTER TO THEM AND CREDIT AGENCIES THAT THIS NOT MINES AND CAN THEY PLEASE SENT DOCUMENTS OF THE SIGATURE ON THE ACCOUNT AND THEY CAN NEVER SEND THIS TO ME. THIS HURTHING MY ACCOUNT ON MY ACCOUNT I HAVE NEVER BEEN LATE ON ANY OF MY PAYMENTS.
Product: Credit card or prepaid card

I initially had this card through my job, which I have since left.. the card was still active when I used it to receive some overpayment from SSI. This was in XXXX I left the money on the card for my son. So this year I was going through my CC and realized that the card in question had expired in XXXX of XXXX. I thought perhaps I had not updated my address with the company so I called and submitted a request to update my address. They would not let me update without providing identification. I obliged by providing my Drivers License, SS # and a current Student loan document with the date/address/and my full name. I received an email from the compliance dept stating they could not clearly see the documents. So I scanned and uploaded the documents again. I called and tried to explain the documents were in color and showed all 4 corners. So, I ended up sending/uploading these documents 3 more times and each time they refused to accept these documents. I called again and requested to close the account and to please issue a check so I can deposit the funds into my bank. I have not received any correspondence since. I receive a text from this card company stating the amount in the account but they claim they need the same documents but the documents must pass their compliance dept. This makes no sense to me considering all the documents were government-issued. They also sent a secured email claiming I wanted to reset my password which I did not make this request. I have encluded all emails.
Product: Mortgage

Starting from on or about XXXX XXXX, XXXX   XXXX has been applying my timely monthly mortgage payments to escrow and not the principal and interest.  Only once did I receive a refund check, in the amount of one month's mortgage payment.  I did not think anything of it as the banks usually issue a check for escrow remainder. Instead, XXXX XXXX   continued to hold my monthly payments in escrow and not applying it to the principal and interest.  After notifying them numerous times and having to make the same exact complaint over and over, I continued to receive 90 Day Pre-Foreclosure Notices.  It was not until XXXX, XXXX that the issue appeared to be resolved; however when I asked for something in writing regarding their mistake, I was sent an email, no letterhead, simply stating that the prior three months were applied--as if I was the one who make the mistake.  On those occasions that I had to call, my wife had to take the day off from work to help me discuss the issue with them, because we would be on the phone for over an hour, mostly waiting.  Each representative we spoke to had no idea why we were calling and each time we had to go over the same things and direct the representative to read the prior notes.  On one occasion, the representative had us on hold for over half an hour and when asked to speak to a supervisor, she placed us on hold for about 20 minutes and then hand up on us. Unfortunately, we lost our temper before being transferred to the "research team", which we were told would be researching this since about XXXX XXXX, where we had to again relay the issue.  Now, it seems that XXXX  XXXX has been charging us approximately $XXXX for "expenses".  There were no notices sent regarding what this additional fee is about.  When we called the representative said that it was costs transferred to them, but they were servicing the loan since XXXX  or XXXX XXXX, when all this mess happened, and that cost was not there.  XXXX XXXX never escalated it to the proper department, for over a year we suffered when we received those 90 Day Notices, but no returned checks to give us any idea that our payments were not being applied properly. We never received any call back from a manager or supervisor regarding our inquiries, and now we are being charged for fees that we know nothing about.
Product: Debt collection

Navy Federal Credit Union states in their " Important Disclosures '' that Navy Federal does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX IN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXXXXXX XXXX XXXX cred Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This was not sent in error I am a consumer by law and my information as misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

TRANSUNION and the account name is DEPTEDXXXX balance account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This business contacted me about a debt unrelated to me. I have no relationship with this business and they confirmed I do not have any business with them. This is an unsolicited call and potentially harassment if they attempt to contact me again. I am not the person they are looking for and just because I have the same last name and live in the same state as the person they are trying to contact does not mean I should be receiving collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting a 30 day late payment for XX/XX/XXXX on a CLOSED XXXX XXXX Mortgage account on my XXXX and Equifax Credit reports. 

I have a letter from XXXX XXXX dated XX/XX/XXXX that says clearly in ( black and white ) that I was never late for XX/XX/XXXX. 

Why is this still showing on my reports? I know it's old but it still is inaccurate.
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error, resolution requirements under the electronic fund, transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. Type C XXXX XXXX gave it to XXXX to charge that watch.
Product: Credit reporting or other personal consumer reports

do not have dates. Lowes takes out auto payments but they are doing it late and making my credit score lower. I have no control of this. They report it late but they are taking out payments and money is in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX [ XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ] has pulled a REGULAR INQUIRY on XX/XX/XXXX and XX/XX/XXXX, without my consent. I am not a XXXX XXXX credit card holder. They also pulled a INQUIRY ANALYSIS on XX/XX/XXXX, utilizing a very old address of mine ( over 10 years old ) : XXXX XXXX XXXX XXXX, XXXX, MN XXXX.
Product: Checking or savings account

I applied for XXXX benefits in XX/XX/2020. I had been waiting for several months to get a ATM debit card and I even walked into the branch to ask for one and I was told I had funds in my account but no physical card. Then there was the government shut down due to the pandemic and no banks were open to walk into. I have called several times and gotten no where except cut off the line when there was going to be a representative answering but no one would be on the other end of the line and i waited 4 hours at a time to talk to a representative. I also have emails and dated letters and even evidence that i have on file with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on record that i continuously attempted to resolve this matter. I have police reports and identity theft affidavits on file with the FTC. I recently won an appeal with the XXXX about my benefits that were never received and i was favored in the appeal and was granted my funds. There were unauthorized charges on my account from a card I never received in XXXX and the ammount I was owed was not there so i filed a claim and now Bank of America froze my account and denied my fraud claim with no explanation and i do not want to deal with this any longer. can someone please help me ... ..???? 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX  SOLD MY XXXX BILL TO SEVERAL COLLECTION AGENCIES AND ALL ARE STILL REPORTING ON MY XXXX, ALL THESE ACCOUNT ARE TIME BARRED AND SOL EXPIRED.SINCE THEN XXXX HAS PUT A FEEZE ON MY FILES AND WON ; T REMOVE UNTIAL YOU SEND THEM A LETTER.
Product: Debt collection

I received a notification that an account opened on XX/XX/2024 with a past due balance of {$1500.00} from your company is under collections. This is not my account, as I have nothing to do with this account, I disputed it through the credit bureaus. This account has nothing to do with me, please remove it. The fraudulent account should have not been able to be opened as it did not have my permission and all my credit accounts are locked and frozen.