23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a reply to my original complaint : XXXX ; documentation was not included. The actual loan- we were not aware that the loan was a balloon payment. My husband was an XXXX for over XXXX yrs, and he would not voluntarily choose to enter into a balloon payment. I found out the loan was a balloon payment when I took over the bills in XXXX of 2018. M & T had just sent the first letter letting us know that the payment would be coming due. We reached out to them which they do not have a record of- we went through multiple people at M & T without there offering any assistance or alternatives to help us. Each time we called it was a new person with no record of any previous calls. Hopefully, the process has improved, however, at this point, it was not helpful. Eventually, after attempting to reach an amicable solution, the loan became due. It took 3 months from the last payment- which we couldn't pay as the system locked down since the loan was due - for the loan mod to take effect. The terms raised the loan amount from XXXX to XXXX with a 7 yr term. A single-income family and the payment was double. One of the letters mentions an anomaly with the loan. This MTG was purchased from a small bank that went out of business. There is something not right here that needs to be addressed. Further, the frustration with the terms when they had our financials isn't right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both XXXX and Bank of America about my Credit report. I received notification today that someone has opened or in the process of opening either a bank account or credit card in my name. It is NOT ME. I am a victim of Identity Theft! I couldnt get XXXX on the phone but I have put a security freeze on my account but any and all information concerning this fraudulent account needs to be blocked. I didnt authorize BOA to pull my credit report and would like them also to remove this fraudulent information IMMEDIATELY.
Product: Credit card

I made a purchase with a vendor i amount of XXXX, XXXX at a XXXX XXXX on XX/XX/XXXX. Less then 24 hrs later I tried to returned the product. Vendor said " No returns all sales final ''. This was not told to me nor was it posted for consumers to see. I contacted my credit card company XX/XX/XXXX and filed a complaint. Card company said sale was valid and sided with merchant. I live in California and merchant violated law. I sent disputes to card company 3 times and 2 times i got no response. Last contact from me was info of law that protects me and I also wrote statement for " claims and defense '' with signature required/ return reciept on XX/XX/XXXX. XXXX XXXX company never replied. This vendor has an alert and F rating and they have several company names. Credit card is now pursuing me thru XXXX party for payment. Also all credit cards I have issued from this bank they closed. My credit scord went from low XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Services Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), 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 creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX XXXX XXXX XXXX  : XX/XX/2020 Balance : {$130.00}.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed that I have fraudulent accounts on my report which is hurting my ability to obtain credit please remove them from my report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing inaccurate accounts with Equifax the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX, XXXX, XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX  account 6 months now with Equifax and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance.This XXXX  account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and Equifax XX/XX/XXXX , XXXX XXXX still reports a payment pattern to XX/XX/XXXX which leaves Equifax in violation thereof ... .Equifax records both XXXX accounts inaccurate, I've been disputing these XXXX  accounts for 6 months now with Equifax, and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance. Both XXXX  accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and noticed several inaccuracies this account is hurting my ability to obtain credit. To my understanding it is you will investigate these items to ensure accuracy. Here is the item I'm asking to verify as accurate. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. Im again attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the whole account from my file : XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a capital one credit card with my old legal name. Once I had it and established great credit history, on time payments and a limit increase all within 6 months I applied for another line of credit with my new legal name. I was approved and the card was sent out. Received it, opened the app and added it to there. This was mid XX/XX/2017. Form that day on I have been locked out of my account. I have zero access to anything online, such as paying bills, monitoring credit report, transactions, usage, etc, BUT I CAN use both credit cards. Doesnt make sense. I sent over copies of my drivers license twice, I followed up weekly and kept getting letters back that they didnt understand why I was sending in my DL. Im sending it to you because youre asking for it. Each time I call it is AT LEAST an hour on the phone each time. Mind you, I have everything set up to be paperless. Since that is how it is set up, I am blinded on two credits because I can not access anything. My name change is personal and this company has tried to invade my privacy on more than once occasion asking personal questions. I understand wanting to verify identity but there comes a point where this is too much. I have now resorted posting on their XXXX page to communicate that way. Each time I call it is a different story with a different set of promises and deadlines, none of which have been met. I do not have the time to call in weekly to follow up on this. You have no problem allowing me to spend money on the cards, but you can not let me access my account?
Product: Credit card or prepaid card

On XX/XX/2019 my Visa card was double-charged for a subscription by Google/XXXX. I reported this fraudulent charge to Google and Google said I had to talk to XXXX. Then XXXX said I had to talk to Google. After getting bounced around from Google to XXXX for three days and hours on the phone, Google says they cant help me because they cant see the charges in their system ( which is the Google Store ) where I added the subscription. I have an email and confirmation # from the Google store about this order yet Google cant find it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender falsley reported my XX/XX/2020 payment late, they have sense corrected that But trans Union still reports a late payment,
Product: Student loan

In XX/XX/2018 I submitted my IBR recertification. On XX/XX/2018 I received my results for my new IBR payments. I submitted a request to recalculate the amount shortly thereafter, requesting that the PAYE repayment plan be applied to my student loans. On XX/XX/2018, I was informed that four of my loans will have an IBR repayment amount of {$140.00}, while my remaining 18 loans were put on STANDARD repayment. I never requested my payments to be on standard repayment and I absolutely can not afford Standard repayment, as shown in my IBR applications. My upcoming bill for the month of XXXX is over {$4000.00} which would obliterate my ability to pay my bills and feed my children. 

This is the second time I've had the utilize the CFPB to get XXXX XXXX to do it's job and apply all of my loans to a consistent PAYE repayment plan. I shouldn't have to invest literally hours of my time fighting with XXXX, resubmitting documents, for them to do their jobs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT ABOUT THREE TIMES IN THE LAST FIVE YEARS AND HAVE ALERTED THE CRA. THERE HAS BEEN NUMEROUS FRAUD ALERT PLACED ON MY CREDIT FILE DUE TO THIS. MY MAIN PROBLEM WITH THE CREDIT REPORTING BUREAU IS THAT THEY HAVE REFUSED TO DELETE THE ENQUIRIES EMANATING FROM THESE FRAUDULENT ACTIVITIES.
I CALLED ALL THE BANKS AND OFFICES THAT ACCESSED MY PROFILE ABOUT THE UNAUTHORIZED ENQUIRY. I HAVE ALSO ASKED INFORMED EQUIFAX FOR A DELETION OF THESE ENQUIRIES WITH NO SUCCESS.
FIND BELOW THE INFORMATION OF THE UNAUTHORIZED ENQUIRY : 1. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2.XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX ( Bank can not find any record of this inquiry ) 4 Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 5XXXX : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a fraudulent credit report was on my credit. I did not authorized them to have my social security number date of birth or any of that I have a fraud alert on my profile due to these companies that are doing identity theft On XX/XX/2024 they fraudulent report on my credit report the companies name is Credence Resource management for XXXX I did not creat this account and have no knowledge of this account. Under the fair credit report act is is illegal for them to do this
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT THESE INQUIRES DELETED BECAUSE I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT. THIS IS FRAUDULENT
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 I lost online access to make payments to my Paypal Credit account via the Paypal App ( Android ), or on the Paypal.com website. This line of credit is provided by XXXX Bank ; XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

In speaking with both parties I have been unable to resolve the dispute, and was informed by a XXXX Bank employee that XXXX Bank does not offer online payment processing directly to Palpal Credit account holders. 

The lack of online payment processing places both Paypal, and XXXX Bank in violation of Paypal Credit Terms And Conditions under the Payment Options clause which states " You can pay by mail, online or by phone. '' The inability to pay online is no small inconvenience in the age of the Internet most Americans make a majority of their payments online in 2022. As a consumer revolving credit account " The Terms and Conditions, '' stipulated that the ability to " Pay Online '' would be available to Paypal Credit Account Holders as part of the Agreement, or terms of contract. 

Payment under the Uniform Commercial Code is no small matter, and neither is impeding payment by denial of service. I ask that Paypay either re-institute online payment processing through their XXXX app, and/or website showing good faith in their obligations to Paypal Credit Account Holders to whom they are in breach to at this moment. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my first round of dispute letters to each credit reporting agency in XXXX of 2022 stating that a bankruptcy on my credit report wasn't verified and to provide me the physical proof of verification. Within 3 weeks each credit bureau stated that it was verified via XXXX XXXX. I contacted the court that was listed on my report asking them to provide me with their method of verification to which they responded with a letter stating they do not physically verify with credit bureaus. I sent a second round of dispute letters in XXXX of 2022 along with the letter from the court stating I wanted the proof of physical verification. Its been 3 weeks and i called today to follow up. I spoke to two separate individuals both providing me with generic responses " it can take up to 30 days for a dispute to be updated '' I said I provided documentation from the court and I was told " credit bueaus dont process documents or review them we just upload them into your file '' I was told that XXXX, XXXX  ans XXXX  gets their information from XXXX XXXX which is a third party vendor who still doesnt physically verify. The credit bureaus are refusing to delete the bankruptcy yet they arent physically verifying nor are they providing me proof that they actually investigated each time I've disputed.
Product: Credit reporting

Experian refuses to allow me to dispute inaccurate information on my credit report. This is violating my right to dispute inaccurate information according to the Fair Credit Report Act. Any information regarding my credit report claims I can not dispute this because I already have!! Yet the information is inaccurate. My name is XXXX XXXX not XXXX XXXX, a XXXX bank account has inaccurate information : XXXX BANKAddress : XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Account XXXX .... 


I have a right to dispute inaccurate information!!!
Product: Debt collection

I requested the following In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a Account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I've tried to get my free credit report from Equifax and upon attempting to retrieve my report, their website states they have no record of my SSN or any information on me.
Product: Debt collection

I am disputing the collection account from Revitalize Fitness as I was never notified of any unpaid balance before it was sent to collections. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper notification and validation of any debt reported against me. Revitalize Fitness failed to provide me with any notice or opportunity to resolve the balance before taking this action, which has unfairly impacted my credit. Because I was not given due process to address this debt, I request that this collection account be removed from my credit report. 

Additionally, Aldous, the collection agency handling this debt, never notified me of the collection before reporting it to XXXX. Under the FDCPA, they were legally required to send me a written notice within XXXX days of their first collection attempt, informing me of the debt and my right to dispute it. Since I was never contacted and only discovered this account on my credit report, this is a violation of my rights. Due to these failures in proper notification, I request that this collection account be removed immediately.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters of Method of Verification /validation. On XXXX XXXX, XX/XX/year>, XX/XX/year>, and XXXX XXXX for the accounts XXXX XXXX XXXX XXXX Company had yet to send me the information I have requested per consumer Laws I have the right to receive the notification of the process it took to validate these debts. Please disclose the responses for the below questions. 

1.Who was interviewed that verified this debt, 2.How did you come to this determination?

This is a violation of the fair credit reporting act and willful non compliance by neglecting the fact that I am requesting the Verification and validation methods
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I signed up for a XXXX XXXXr card with First Progress XX/XX/year>. The card has a {$29.00} annual fee after activation. I never activated the card. I never received any statements. 
I recently obtained a copy of my credit file only to find out that First progress has been reporting late payments to my credit file. I contacted them and they informed me that there were late fees and annual fees that hit the account, then the account was closed and they sent a refund payment of {$32.00}. I never received any checks or any statements, nor have I activated the account. No late fees or annual fees should apply to an account that was never activated