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

XXXX has all of my info, some right. Most info mainly most wrong... but they do not have this info that shows correct documentation nor the issue of the disputes. nor can you place any uploads to show that you creditors is breaking laws under the fair credit acts. 
it's really a shame that we the USA has such a horrible consumer abusive credit system. we really need a better system. Consumer protection why have these unreliably credit bureaus, save us taxpayers some time and money by closing them and just you guys the consumer protection run things, we consumers must always come and cry to you people anyway because these horrible 3 national credit bureaus never get anything most right, they ruin consumers lives, they allow massive inquires and then the consumer like you will see samples of must suffer. I am sending you the exact same info that I need for the Consumer Protection Agency to get tough with XXXX to get them to do my updates plus get a better website for consumers to upload info. Cut us consumers a break huh ... I know I only speak for me that I am sick and tired of paying for lawyers in this bad XXXX economy, can we all get on the same page so I can have money to pay my bills on time not lose my apartment home. and can not get another apt . home in my name due to faulty info on my national credit reports.
Product: Mortgage

My monthly mortgage includes escrow for insurance and taxes. I received a letter from Mr. Cooper in XXXX of XXXX that there would be an escrow shortage of {$1000.00}. At that time my monthly payment was {$2500.00}. The letter stated my payment would rise to {$2500.00} to cover the shortage. It also said if I wanted to avoid the increase, I could pay the shortage in full. 
I paid the shortage on XXXX XXXX. In spite of this, Mr. Cooper still raised my mortgage payments to {$2500.00} Subsequent calls to them to have the escrow payment acknowledged and my monthly payment reduced to the amount it was prior to my making the payment have all ended in frustration and refusal by Mr. Cooper to resolve the issue. 
In addition to this, my online account reflects my payments will increase on XX/XX/XXXX to {$2600.00}. This increase is listed as a result of the SAME {$1000.00} shortage that I already paid in XXXX of XXXX. 
They do this every year.send a letter detailing an escrow shortage and payment increase, listing how much one must send to avoid the increase, then they raise your monthly payment anyway after receiving the funds.
Product: Credit card

Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a {$100.00} fee. When I called them they claimed that the first XXXX days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of.
Product: Checking or savings account

I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. 

Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. 

In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. 

My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me.
Product: Credit card or prepaid card

My name is XXXX XXXX and im trying to signup for venmo.com through XXXX and I have never done this before. however venmo will not let me signup it tells me I already have an account there when I try to put in my phone number and email. I need to have me account deleted so I can actually go on to venmo and create one. that is all I wish to do. my phone number is XXXX and my email is XXXX XXXX
Product: Debt collection

I am being billed by XXXX  for a {$1800.00} ambulance transport on XX/XX/XXXX. My insurance company, XXXX, has determined that XXXX  is a national provider and as such, required to accept the contracted amount of {$390.00}. XXXX issued a check to XXXX for {$390.00} on XX/XX/XXXX ( ID # XXXX ). 

Both XXXX  and MSB collection agency  continue to send letters indicating that I owe {$1800.00}. I sent certified letters to both MSB and XXXX  detailing the above information on XX/XX/XXXX. While I received a return receipt from MSB, signed by XXXX XXXX, XXXX failed to pick up the correspondence.
Product: Debt collection

On XX/XX/XXXX I pulled a copy of my credit report and noticed that a collection account from an unknown source appeared on XX/XX/XXXX. I have NEVER received any notification of any " debt '' as I have been a victim of identity theft. I have disputed this information several times and have not received any correspondence. I have filed a police report with XXXX XXXX Police Department Report # XXXX. I also filed an identity theft report with the Federal Trade Commission reference # XXXX. Below I listed the current report from my credit. In XXXX, it was another agency, however on my XXXX  credit report it says another company. I have attached three different credit reports that reflect different names. I have received returned certified mail from the " said '' collection agency. Also, when I called the number listed on the XXXX  dated XX/XX/XXXX report XXXX, I get a voicemail message stating that its a collection agency, but there isn't a name of said so called collection agency.
Product: Credit reporting or other personal consumer reports

I have received my credit report from XXXX, XXXX and Transunion. I have contacted XXXX XXXX XXXX XXXXXXXX and XXXX XXXX numerous times and even disputed it with the Credit Bureau. I am requesting a Goodwill Adjustment to remove the late payment ( s ). 

Unfortunately, I am a single mother of XXXX daughters and we lost there father a couple years ago. Since I have done my best to be the best I can be. My middle daughter has XXXX XXXX XXXX and an XXXX XXXX which cause XXXX XXXX XXXX XXXX. There have a been a few mishaps with having to mis work or even loosing my XXXX job as a result of providing care for my daughter during these XXXX XXXX causing a lateness in payment to my bills. However all three credit cards are now current with under 20 % utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out by email requesting them to remove my info as well as not provide my personal information to XXXX XXXX and experian. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( XXXX ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Product: Debt collection

So over the past months i've been trying to an accurate mortgage loan from the original company Fairway Mortgage and the debt collector XXXX XXXX XXXX XXXX  .. On XX/XX/2023 fairway stated they did a wire transferred for {$350000.00} to the closing attorney office to cover the loan .. Now XXXX & XXXX XXXX  who purchased the debt as stated by fairway Mortgage stated it was $ XXXX that was transferred on XX/XX/2023 .. Not only did XXXX & XXXX XXXX ILLEGAL purchased the debt but their loan total is about $ XXXX more than the original mortgage company as stated in the attachment..
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I am unable to transfer funds from my USAA checking account to an already linked and approved external account. I've been able to previously transfer funds to this account, so I know it worked at one point.

I always get an error message saying I can only transfer less than {$35.00}. I have called in multiple times, chatted, DM 'd USAA on XXXX. Via phone, they just bounce me between departments and say it's another departments responsibility/area. 

I have contacted USAA several times within the last few weeks. 

I've tried via a laptop and my phone, neither work.
Product: Credit card or prepaid card

Capital one only increase APR but didnt now Lower it.  Only lower the APR as promotion for several months. However they lower your APR if you apply for a new credit card. Is like the force the customer to apply for a new product in order to upgrade you apr.
Product: Debt collection

I got a call 10 to 12 years ago from Protfolio Recovery Associate, LLC that I owed something about {$5200.00} including late fees I told them I dont have credit card from XXXX XXXX XXXX and i hadnt live riverside since 12 months ago after talking with manger and I will not file complaints if they remove It after that I didnt get call until few days ago I got bill that I owed {$9100.00} that I can make payments It seems PRA didnt remove It and they arent willing to do so I will file complaints now also I dont know if this account in my credit report please help to remove It.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some medical debts that are listed on my credit reports that are not mine. I have provided my personal information to show that I am a real person, and that I am not a credit repair or mortgage company. Please remove these debts that are not mine. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to Experian, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out XXXX letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX  credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Product: Mortgage

Since XX/XX/2020 I have sent multiple letters, emails requesting my account be removed from home retention. 

As of XX/XX/2020 the account is still set up with home retention. I am locked out of online mortgage banking due to a prior forbearance. 

Nothing has been done for four months
Product: Bank account or service

I went into Capital One bank to open a checking account. I signed the signature card, provided my ID, made the opening deposit, received a temporary check/debit card on XX/XX/XXXX. Today is XX/XX/XXXX and I still can not get access to my account online. I have spoken in person at the branch and over the phone to XXXX ( XXXX ) different representatives. None of them have been able to help so far and checking back tomorrow seems to be the best option after spending between 30 minutes and an hour with each representative trying to resolve the issue of online access. It never occurred to me that in XX/XX/XXXX online access would be difficult at any bank. If I had not already paid to order checks and deposit slips I would simply close this account and find a more competent bank. Can you help??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the information to Equifax and XXXX they are both reporting inaccurate information.I am entitled to fair and 100 % accurate reporting. XXXX is reporting this was included in a bankruptcy snd Equifax is reporting charged off with last activity date of XX/XX/XXXX. I have requested an investigation of this reporting as well as method of validation. This information was submitted on XX/XX/XXXX as of today XX/XX/XXXX I have not received any update or response from these companies. XXXX was not able to verify this Information and has since deleted it from my credit report but the other companies have not. I have called as well as submitted a letter regarding this and have not received any response.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and Transunion. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking XXXX to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in credit investigation requests on XX/XX/XXXX. I was supposed to receive something back within 30 days, but so far, I haven't received anything.
Product: Debt collection

Collection agency alleges that the deceased debtor incurred charges with XXXX XXXX XXXX after his death and refuses to provide documentation after numerous requests ( see attached ). It appears that this collection attempt may be a scam targeting estates of deceased individuals
Product: Credit reporting or other personal consumer reports

To whom it may concern, I hope this message finds you well. I am writing to bring to your attention a matter of deep concern regarding our account with Exeter Finance, specifically concerning the late fees adversely affecting our credit score. 

In numerous conversations with Exeter representatives, we have attempted to address what appears to be an issue stemming from an unexplained payment reversal in XX/XX/2023. Unfortunately, we were not promptly notified of this occurrence and only became aware when seeking clarification from Exeter. Despite our proactive attempts to resolve the matter, we have been advised to " just pay it, and the late fees will fall off. '' Regrettably, this advice has not proven effective, and the lingering late fees persist, significantly impacting our credit score. 

As of XX/XX/2023, our account records clearly indicate that we are not behind on any payments. However, Exeter continues to report that we are late on payments, which is inaccurate and damaging to our creditworthiness. 

We urgently request your immediate attention to help us rectify this matter. It is imperative for us to have these late fees corrected promptly to prevent further detriment to our credit score. We kindly seek your assistance in ensuring our account is accurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with getting errors fixed on my Transunion credit report. I notified them on several occasions and they illegally verified the information without providing proof and continue to report it even though they have all the required documentation that proves that it is wrong. They are basically giving me the run around and sending the same response. I feel I have no choice but legal action against them.
Product: Mortgage

Per XXXX, Fidelity National Financial apparently had a cyber attack a week or so ago so they shut down all systems ( including subsidiaries ) for security reasons which in turn is preventing any customer to access any of their services until the issue is resolved. The main issue is there have not been any notices sent to ANY customer that I have been able to find including myself. I have been trying to call in and access the website for over a week and am unable to get any sort of response as it seems all systems are down with no reported XXXX for correction.