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

I have attempted to resolve this issue with the credit reporting agencies and XXXX XXXX numerous times. This company is reporting 2 identical, fraudulent accounts to my credit report. I have provided an identity theft report and demanded verifiable proof that these accounts.
Product: Credit card

EVERY Month I get locked out of my account online. EVERY month I have to call customer service, EVERY month I am told I have to wait XXXX hours to unlock my account and change my password. EVERY month I change my password and again get locked out of my account. Customer Service is NO HELP AT ALL.
Product: Bank account or service

I occasionally use my Ebay account to purchase items over the internet. Since I 've had horrible results with Paypal in the past, I 've set my Ebay account preferences to always default to using my XXXX XXXX as the form of payment. 
On XXXX XXXX, of last year I purchased XXXX, minor sewing machine parts from a single vendor, via Ebay. The order totaled {$38.00}. I made a payment to my XXXX card to cover it, and thought it done, until this week. 
I received a paper statement from Paypal, telling me that only XXXX of the items was charged to my XXXX, and that the other XXXX were charged to Paypal credit, totally unbeknownst to me. I do not have a Paypal credit account, never wanted XXXX, and never agreed to the terms of XXXX. They 'd been charging me 100 % /month late fees, for three months, and that my account was now overdue, and I now owed over {$100.00}. XXXX one hour phone calls with Paypal, and XXXX with Ebay, failed to rectify this, with Paypal insisting I pay the total balance now due. 
I refused, and sincerely hope you stop Paypal from using it 's insider/subsidiary position as the processor of Ebay credit card purchases to poach credit customers from other, legitimate credit card companies.
Product: Debt collection

I disputed this reporting XXXX of 2018 and my XXXX  removed this account from my report. However XXXX and XXXX   refused to remove the account even though I left them know that XXXX had removed the account because it wasnt correct. I have called XXXX and requested they take the account off as well since XXXX did but they refused. I am trying to figure out why one company will remove the account but the other two will not.
Product: Credit card

I signed up for a Discover credit card through XXXX XXXX. I signed up for the card because they had an offer that stated spend {$1500.00} in the first three months and receive {$200.00} bonus. Anyways, I spent well over {$1500.00} in the first 3 months and received no bonus. Just got off the phone and they said the offer doesnt show on my account. Meanwhile I contacted them one month after I got my credit card, and they confirmed I would receive the {$200.00} bonus after the 3 months ( if I spent {$1500.00}, which I did ). Anyways, I feel scammed by this whole situation and would like to receive the bonus I was promised when signing up.
Product: Debt collection

I pulled up my personal credit file and discovered an item being reported as in collections. Filed a dispute with the credit bureau as I have no knowledge of this debt nor have I received any formal communication from nither the creditor and/or the debt collection agency. 

Have never contracted with the creditor XXXX XXXX XXXX for any TV services.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$710.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Please investigate the inaccurate information per 15 U.S. Code 1681 this account is being reported inaccurately and these matters are hurting my credit score and per Fair Credit Reporting Act ( FCRA ), the inaccuracy of this reporting needs to be deleted asap. Per CFPB laws and regulations, I am demanding this inaccurate account be deleted now or be subject to penalty and civil action lawsuit with a violation of {$1000.00} per day this inaccurate account with inaccurate information is being reported. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX. XXXX XXXX wont give me break down or signatures regarding these collections
Product: Credit reporting or other personal consumer reports

I recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX XXXX : {$40000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 XXXXXX/XX/year>
Product: Debt collection

There is a collection listed which is inaccurate I have this same company as my current service provider at my home. If I owed them money I would not be allowed to have service currently REMOVE THIS MISTAKE ASAP ENHANCED RECOVERY COMPAN Reported : XX/XX/2020 {$510.00}
Product: Money transfer, virtual currency, or money service

PayPal XXXX was requested and payment set up then I realized it was a scam and notified PayPal to cancel the transaction The only option was unauthorized but they said because it processed to individual it could not be canceled. 
It happened on XX/XX/year> which was a Saturday and the XXXX XXXX was closed and Monday morning it processed to my credit card which I then disputed and it was removed from my card. 
Then PayPal added it to my account and has demanded payment.
Product: Debt collection

I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well.
Product: Credit card or prepaid card

American Express dispute team created a FAKE transaction on my card in XX/XX/XXXX, then added this fake transaction to my XX/XX/XXXX statement even though I already have the transaction there on XX/XX/XXXX ( there is 1 charge on that day that is real, then I disputed it and they gave me the dispute credit and said I won dispute, but then went into my account and literally created a FAKE line item transaction for a duplicate charge and put it into my XX/XX/XXXX statement so it would cancel out dispute winnings ). Is this even legal? They are doing fraud to me.
Product: Debt collection

I HAVE TRIED SEVERAL ATTEMPT TO DISPUTE THESE COLLECTION DEBT THAT I DONT WHO WHERE THEY BELONG.I HAVE TRIED SEVERAL ATTEMPT TO BUT HAD NO LUCK WITH THEM.I ALSO HAVE BANKRUPTCY ON MY FILES THREE TIMES WHEN I COULD FILE ONCE IN A PERIOD OF FIVE YEARS TRIED TO GET THEM REMOVED BUT HAD NO LUCK
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6900.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I have sent multiple letters and emails ; also called both companies and exampled to them that this account is not mine. By this account reporting false information on my credit report, it has caused lenders to refused applications ; which put my business in a financial deficit. Please assist me with this issue by removing is fraudulent account.
Product: Debt collection

I see that this company is reporting unverifiable and inaccurate information on my credit report. I request a validation debt letter and also for this company to cease all forms of communication with me through any and all mediums. also This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor. I only can validate this debt. I do not validate this debt therefore I demand this company to stop reporting this unverifiable information on my credit report. This company is in violation of several FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a Target Red credit Card Account with Target in 2012, I paid off my Target Red credit card account ending in XXXX, Target Bill my account {$650.00} in fraudulent late fees. 

Furthermore Target used unfair and deceptive business practices. I have disputed the billing issues numerous times on XXXX and Target responses to XXXX  were The information is correct : default
Product: Mortgage

Lakeview loan servicing is who services my mortgage and escrow. In the first year of owning my first home they have changed my payments 3 times. Stating escrow balance has been to low or negative. I have my original escrow account disclosure and to my best knowledge it is accurate. They over estimated the amounts and I shouldve had a cushion at the end of the first year. Instead Im negative. Lakeview can not explain how this happened or when I talk to different departments they cant give me the same answer. One department says I was overcharged, the other says I owe. Wait times to speak to someone are routinely over an hour long. Ive called 6 times starting from XXXX. Im am on hold as I write this ( 1 hour & 35 minutes so far ). Ive asked for a new escrow analysis and was told 3 have been done so far. They also admitted to making a mistake on one by not including my hazard insurance, then charge me {$1300.00} for insurance that that has already been paid. Customer service department says the money was refunded to escrow, their collections department says it was not. Ive requested a new analysis so I can do their work for them and figure out where they are making the mistake. I asked on XX/XX/19 and today ( XX/XX/19 ) I was told there are no notes for a new escrow analysis or one in progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding XXXX XXXX XXXX XXXX, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with XXXX XXXX XXXX XXXX, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and another letter by U.S. mail dated XX/XX/2022 which was my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I emailed them information XX/XX/2022, after speaking with one of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with XXXX XXXX XXXX XXXX. I received two letters from XXXX XXXX XXXX XXXX, both dated XX/XX/2022, three months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

XXXX XXXX XXXX XXXX has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer XXXX XXXX XXXX XXXX is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.
Product: Vehicle loan or lease

Continue issues with Burns Auto Credit handling of finance charge - Per UCC 16 CFR 433.1, during a Purchase Money contract - I was suppose to receive a cash advance and Burns Auto Credit is receive in return only the Finance Charge. Because when I provide my signature I provide them a security instrument which secure all payments as mention page 3 Section 2 c of retail installment contract. and I did not receive the cash advance of {$12000.00} - Per UCC 16 CFR 433.1, Definitions. ' ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed account recently past the statute of limitation and was estimated to be removed on XX/XX/XXXX. On XX/XX/XXXX Equifax removed the account in question and then added the same account back on XX/XX/XXXX causing an unfair drop of 36 points to my Equifax credit score using the vantage XXXX scoring model. If the account was removed prematurely by Equifax ( i.e ) by a matter of days I believe this would fall under the FCRA as unfair untimely and inaccurate credit reporting. When the account was removed it virtually had no impact on my credit score using XX/XX/XXXX but when this old account was added back it had an immense impact on my score I dont feel this account was weighed fairly. Lastly I have made great strides to improve my credit and have been met with adversity at almost every step of the way but would like to thank the CFPB for all your help
Product: Mortgage

I am attempting to cash out refi with my current mortgage co Flagstar. On XXXX I contacted Flagstar to obtain a HELOC which they said they cant do so I asked for cash out refi. 

Daily to date, I have extensive emails trails of Flagstar imparting arbitrary rules and requirements on me that appear to be purposely designed to prevent me from obtaining the cash out refi. They ordered me to sign their prepopulated form of data that was factually incorrect & refused to correct the formI contacted a local Flagstar branch in XXXX VA who very helpfully escalated my concerns. The form was 80 % updated for factual correctness. 

Flagstar has asked me daily for new and unspecified information without articulation, refusing to complete a final list of true requirements from me, and also refusing to provide an estimated close out date for me to receive the cash out refi money. 

My personal experience to date in this process seem to me only to be in line with Flagstars historical record on CFPB of still not ethically adhering to mortgage servicing rules : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ TheyXXXX are effectively holding me back and preventing me from purchasing a home by not performing duties required and clearly communicating requirements for me in order to run my cash out refi process. 

Daily emails between me & Flagstar appear to show new arbitrary requests that they eventually conquer once I pressure them to apply some measure of reasonable thought. They have asked me to complete non existent forms without a specified format, asked me to provide proof of assets without justification, have gotten my address wrong on binding documents, insisted on contacting my ex-spouse as part of my sole property ownership process, not responded to multiple requests to update their errors in their own forms, asked me to complete forms that are not on any official letterhead, called me instead of written me back in order it appears to avoid a written record of further incompetence in how they process my cash out refi.
Product: Student loan

I have an HPSL loan ( a federal student loan with the U.S. Department of Health and Human Services ) that is serviced by Heartland ECSI for New York University. I got an email from Heartland ECSI in XX/XX/XXXX that my first payment is due on XX/XX/XXXX. However, there are already late fees in my bill. I am not sure why there are late fees when it has not passed XX/XX/XXXX yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.