23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage through Loan Depot in XXXX of 2015. I have used their mortgage servicing website to make payments etc. On XXXX XXXX 2015 I received an e-mail from Loan Depot Personal Loans that an account had been established using my e-mail address. I thought this was identity theft because I never applied for a personal loan. I tried to log into the account but was unable to even through password reset. I called the XXXX number and was told their IT department would look into it. A few hours later XXXX called me. XXXX told me that she did not think this was identity theft. I asked her why and she asked me if I knew XXXX XXXX. XXXX XXXX was the Mortgage Broker at Loan Depot that processed my refinance. XXXX told me that the account had been created by XXXX XXXX. I asked XXXX why XXXX XXXX would have created a personal loan account in my name and she told me I should speak with him. XXXX told me that on the Application that XXXX XXXX submitted at around XXXX that he had obtained my verbal consent over the telephone prior submitting the application with my information on it. I told XXXX XXXX did not request a personal loan and she closed the account. I got an e-mail that said the loan application had been terminated at my request and informed me that my credit score was a XXXX obtained by XXXX. I e-mailed XXXX XXXX about running my credit and opening a personal loan account without speaking to me but claiming to have my consent over the telephone. I am not sure what XXXX XXXX 's intentions were but his actions are unethical and illegal. I have copies of all of the email and the 3 minute voicemail message he left me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a collection in the amount of {$2200.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I did not apply for this account nor did a authorize the account to be opened. This is a fraudulent account and needs to be removed from my credit report. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) XXXXXXXX XXXX  account XXXXXXXX XXXX XXXXXX/XX/XXXX I m now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your prompt action.
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below are the information you need to remove or block these accounts from my report. Also, these accounts are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a determination of dispute. It was a violation. On XX/XX/XXXX I inquired on the XXXX website and found the information was still being reported. I am Reporting a violation on my behalf of all reporting agencies on the XXXX website. Including XXXX. 
I am Stating 15 USC 1681b PERMISSIBLE PURPOSE. I have previously tried to resolve the fraudulent identity theft with all the reporting agencies and the merchants. 
This is a final attempt to resolve. I would like this matter resolved permanently and immediately.
Product: Mortgage

SN Servicing holds my loan payments to inflate my days delinquent. I have been unemployed due to covid-19 they have not tried to work with me. We did file bankruptcy but I still see all the late charges listed on the statement.
Product: Credit card

This complaint is in regards to my closed my SYNCB/PayPal credit card account. 

On XX/XX/year> I called SYNCB/PayPal, paid off my account in the amount of {$660.00} and closed my account.

After that date... any U.S. mail or email from SYNCB/PayPal was disregarded, un-opened or deleted, as suspected advertisement. 

Today ... XX/XX/year> my credit union stated I had been reported as " late of a payment ''. In researching that statement I discovered SYNCB/PayPall had notified the credit bureau of a {$10.00} Delinquent Payment.

After speaking with several agents for SYNCB/PayPal I was unsuccessful in resolving this issue.

I was left with no other option but to pay SYNCB/PayPal a {$12.00} late payment and told I had to check again next month to see if any interest payment was due!

I even tried to pay a total of {$15.00} to make sure any future interest was covered, and time after time was told I could not do that.

In the past I have paid other credit cards off and have never had this problem.

I tried to speak with someone that could calculate any future interest payments, but was told even thou I paid off my account in full, I had to make two consecutive monthly payments to avoid any future interest charges.

I can only imagine how much money SYNCB/PayPal is making off of customers for this particular situation, and I truly believe this is XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

SoFi bank placed an automated suspension on my Checking & Savings account because of " suspicious activity ''.

I have an external account attached to SoFi for transfers that would automatically appear when sending money. Thus, by error, funds NOT in the external account we're being sent.

The external account has been disconnected on my end, and when reaching out to SoFi was told an " indefinite time '' when it would be removed.
Product: Debt collection

I have never had an account with Resurgent/LVNV. I have asked this company to remove this account from my credit report and to no avail had it been removed. Also, the address this company is reporting I have never lived at that address nor have family or any association to the address they're reporting. Please investigate this company for reporting erroneous information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX, Transunion, and XXXX  multiple times about fraudulent information that is being reported on my credit profile. I've have told them that these accounts and records do not belong to me and provided them with an FTC report as well as a deletion letter from XXXX XXXX. These companies have ignored my complaints and have continue to report these items. FCRA section 605 B states that 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.

These companies have violated section 605 B and this is my last attempt to rectify the situation. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Money transfer, virtual currency, or money service

On XXXX used Paypal to send XXXX Euros ( EUR ) to a package forwarding company in XXXX called XXXX, to have them forward to me three Video Cassette Recorders ( VCR ) from XXXX. During shipment with XXXX one of the VCRs  became damaged. 

XXXX agreed to issue a damage claim payment to XXXX, in the amount of XXXX EUR. On XXXX XXXX refunded via Paypal XXXX EUR to my paypal account associated with email address XXXX. 

During prior verbal chats with Paypal agents, they told me that when merchants issue refunds, there should be no fees assessed to me as the receiver of a refund. 

For Paypal transaction ID XXXX, which is the transaction for a XXXX EUR refund from XXXX, Paypal assessed a XXXX XXXX fee, an action which runs counter to what their agents recently told me over the phone. 

For Paypal transaction ID XXXX, I was not the seller of the a product. I am not shipping anything to XXXX  for that transaction. Instead, I am the receiver of a refund in the amount of XXXX EUR, a refund in connection with earlier XXXX Paypal transaction XXXX. 

On XXXX I requested that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX, via a chat session on their website. Paypal did not respond to my request in a timely manner, and so I decided to escalate the issue. 

I request that Paypal remove their XXXX EUR fee from the XXXX EUR refund received from XXXX  ( paypal transaction reference XXXX ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. Upon reviewing my credit record, I found instances of late payments. Despite sending letters more than 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX -- Opened on XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX  Account Name : FARMERS FURN Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I called Diversified Collections XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. On XX/XX/XXXX at XXXX and spoke with XXXX badge number XXXX. I explained to him I do not owe this debt and now they have purchased the debit and it is on my credit report again from the last collections agency that reported I owned this credit and I do not. As the last collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX respond to my compliant I do not owe this monies and it was removed. Now again here we are I have spoken with XXXX they have no idea why they have this debt it was cleared up in XX/XX/XXXX. Then XXXX gave me a phone number that the account is associated with and I do n't or do not know whose number that is with. I want this removed from my credit reports immediately. There is a law in NY state that credit can not just be placed on someones credit report without first contacting them. I want Diversified to not sell off this account to another company so I do not have to go through this again. XXXX has ackowledge I do n't owe this monies and so did the last collection agency. A letter of apology is in order also. I want a letter stating that this was a mistake on there part so if it comes up again I have proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and seen some unauthorized 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
Product: Debt collection

Discover Bank : Amount : XXXX : Actions Taken : I have called and spoke with them directly. Uploaded police reports for identity theft, asked them to remove this from my credit report as it is showing charged off, with a balance and with late payments and the debt is not mine. in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

I have asked the above company to provide debt validation, ID, WeXXXX signatures and nothing has been provided to prove the debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as XXXX  's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, HI, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX XXXX XXXXXXXX Balance : {$0.00} Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

After my first complaint ( ID : XXXX ), the problem is not resolved because they didnt ( XXXX ) take into account the additional statement I paid on XX/XX/23 in the amount of {$310.00} because they charged back incorrectly for the XXXX  charge as stated in the previous complaint ; I didnt want to have interest on the acct for not paying the balance so I paid the statement to not incur further unnecessary fees. ( XXXX ) I also received a letter from Chase stating that the final and permanent credit on the account will be for the amount of {$610.00}. Of that, I only received {$460.00} so far. See pics below for reference.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
EQUIFAX MTG XX/XX/XXXX EQUIFAX MORTGAGE 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 months ( i.e., XXXX, XXXX, XXXX and XX/XX/2022 ) my credit report has incurred random inquiries that I did not authorize or initiate. They appear across all XXXX credit reporting agencies ( i.e., Trans Union, XXXX and XXXX ) none of which I initiated. Examples of these institutions include XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX Bank just to name a few. These inquiries have happened multiple times over the course of months. In XXXX my credit score declined XXXX points alone from these fraudulent inquires. All of the aforementioned institutions appeared on my credit report as inquiries in XXXX alone. This is detrimental to my credit score and a targeted attack against me. My credit score in XXXX was XXXX ; I have since put a freeze into place with the reporting agencies, but these inquiries need to be removed and blocked from future occurrences.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 fraudulent hard inquiry to my Transunion report by XXXX. Attaching relevant police report. Transunion instructed me to contact each company making fraudulent inquiry individually.
Product: Debt collection

Hello, I have repeatedly been contacted by Ability Recovery stating that I owe a medical debt from XXXX or XXXX. The name of the facility is unfamiliar to me and is not a facility I have ever been to. I asked for the explanation of benefits along with report showing the date of service, Doctor seen, patient and medical insurance billed. I have always had medical insurance, therefore they should be able to provide this information. The services would have been provided XXXX XXXX, as this was my married name during those years in question. I have been told the information has been sent, however I have never received. When I ask for it to me emailed or sent certified mail, I am being told they do not send encrypted emails, nor do they send certified mail. I do not believe this is my debt, however my hands are tied, as Ability Recovery will not provided the required information, nor will they remove this debt from my credit. I am reaching out to you in desperation to get this resolved. I have exhausted all attempts. Any assistance you can provide to this matter will be greatly appreciated. 

The Company who has been contacting me is : Ability Recovery XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX If you need to contact me, I can be reached at ( XXXX ) XXXX. 

Your attention to this matter is greatly appreciated. 

Regards, XXXX
Product: Mortgage

XX/XX/2021 : Filled out the paperwork for our XX/XX/2021 first payment with homepoint financial after our refi. Requested Flex pay, meaning half the payment came out the XXXX of the month and the XXXX half the XXXX. Was told after calling several times everything was setup. 
XX/XX/2021 : XXXX full house payments where drafted from our account. I was told i couldnt get a refund on the second house payment for XXXX business days. I decided we would just pay XXXX and XXXX. I was told XXXX autopayment was setup for XX/XX/XXXX for our full house payment. 

XX/XX/2021 : A refund for the second house payment in XXXX was given with no notification to us. 

XX/XX/2021 : Received a notice our XXXX payment was late. Called and explained, and asked why I received a refund and no one let me know. They didnt have an answer. Paid XXXX and made use XXXX auto draft was setup for XX/XX/XXXX for full house payment. 

XX/XX/2021 : Nothing was drafted from our account on XX/XX/XXXX. I called and made the payment and confirmed auto pay for XX/XX/XXXX and was told this would be resolved. 

XX/XX/XXXX : No payment was drafted and issue still not resolved and XXXX didnt call me back with an update.
Product: Credit card

I completely pay off my balance with my U.S. Bank credit card and its also a secure credit card so they have {$1000.00} of my money in a savings account. Whenever I completely pay off the balance of my secured credit card account they placed a systematic hold on it for eight days even after I explained to them that the funds has fully cleared my payment account with no issues. I spoke to multiple supervisors and they told me that theyre unable to release the hold on my account even after I explained to them that the payment has cleared my account and that this is creating unnecessary financial hardship for me because I need to pay my bills with this card. They said that they had a new protocol where they can no longer remove holds on any of the accounts. This is unfair and ethical to us consumers because we do our very best to pay them and everythings cleared and they still dont help us.
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries reporting on my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw my recent credit report that I have late payments on my history with this account which I think I am not late at all. 
WELLS FARGO DEALER SVC XX/XX/2018
Product: Debt collection

The CRA is showing a collections account for {$130.00}. 

I spoke with the company in XX/XX/XXXXbecause information appeared on my credit report that was new. I asked the company to validate the information but they refused I spoke with XXXX XXXX on XX/XX/XXXX and explained that I DID NOT RECEIVE a letter and notice to dispute the account because the collection agency sent information to the wrong address. The collection agency failed to provide validation of the debt and continues to report inaccurate information to the credit bureaus. XXXX XXXX stated that there was another account with my name for {$530.00}. When I asked her where she had sent the notice she refused to state the date and the address that the notice was sent to.