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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXXwas intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DP OF EDUC XXXX DP OF EDUCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX Balance : {$1800.00}.
Product: Mortgage

I had a conventional loan with Wells Fargo back in XXXX. I tried refinancing the load with them in XXXX. The refinance was denied and my home was short-saled. I was denied by Wells Fargo when I should have been able to refinance and keep my home. Wells Fargo preyed upon me, fraudulently denied my refi and I lost my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN TRYING TO DISPUTE WITHTHE COLLECTION AGENCY " XXXX XXXX XXXX '' & " TRANSWORLD '' TO GET FRAUDULENT ACCOUNTS DELETED FROM MY CREDIT. THEY HAVE FAILED TO RESPOND AND FIX THE ISSUE. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT AND POLICE REPORT. XXXX XXXX XXXX HOLDS 3 COLLECTION ACCOUNTS AS FAR AS I SEE ON MY CREDIT. TRANSWORLD WITH ONE ACCOUNT ON MY CREDIT. ALL MUST BE DELETED ASAP.
Product: Debt collection

This apartment complex has on my credit report that I owe over 4,000 dollars. 
When i vacated this premises I was only 2 to 3 months behind with a rent of XXXX. 
The collection agency called me and literally interrogated me with questions and advised the the landlord mentioned he had t get a new stove and a new refrigerator and they totally exaggerated on the condition of the apartment, which I feel is very unfair and unethical. I they wanted to put new appliances in the apartment, then that would have been their expenses because there was absolutely nothing wrong with either one, I barely cooked. I have disputed this once, and lost, and I can not move forward with paying anything off, or improving my credit with unlawful and untruthful amounts placed on my credit.
Product: Credit card or prepaid card

On XX/XX/20, I saw a sponsored ad on XXXX for an item and clicked the ad to see more info. I originally thought, " Wow, this is a great deal! '' so I used the AMEX Serve card to order the product. I realized about 10 minutes after receiving the confirmation email and reading comments that this was a fraudulent company. Sure enough, the ad was a scam so immediately emailed the company to cancel my order. The company was obviously based in XXXX somewhere because of the language used in the " confirmation email '' so I couldn't just call them over the phone. 

The order was processed through the XXXX app and charged {$83.00} to the Serve card. XXXX wasn't responsible and referred me to American Express Serve. The scam company never responded to any of my emails so I filed a Fraud Incident with AMEX SERVE to get my money back. I had to provide as much detail about the purchase as possible and about 2 weeks later received a DENIAL of the fraud claim. According to SERVE, I authorized the transaction so it wasn't fraudulent. 

I immediately called the Fraud Dept because obviously I didn't agree with their determination and the claim was re-opened. Had this been a traditional bank account, they would have sided with me & refunded the money! This time, I provided even more detail, screenshots of the emails and XXXX page no longer existing. I showed the website that linked to my specific order was now showing " the XXXX XXXX No Longer Exists ''. 

I also filed a police report/complaint and sent it to AMEX. 

It's been over 2 weeks and still no response from SERVE on whether they will refund my {$82.00}. When you call, it's a long hold time or disconnected during the transfer. This is so frustrating because AMEX usually has decent protection for their customers that shop online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit validation letters to TransUnion and XXXX  to validate accounts I was not aware of. I sent one letter in XXXX and received a response via mail stating the information was verified as accurate therefore ; I sent a follow up letter in XXXX in response to the first letter requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Once again I received another response dated XX/XX/XXXX stating this information was verified as accurate and not providing the information requested as asked. Under the FCRA 611 ( 15 U.S.C. 1681I ) this information must be documented and accurately verified or deleted within 30 days however, the 30 days as passed. 

I am disappointed that TransUnion and XXXX  has failed to maintain reasonable procedures to assure complete accuracy in the information they publish, and insist this company comply with the law by removing these unverified accounts from my credit report within the 15 days. Thanks! 

Unverified Accounts on TransUnion XX/XX/XXXX Acct # XXXX XXXX XX/XX/XXXX Acct # XXXX XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX  Unverified Accounts on XXXX  XX/XX/XXXX Acct # XXXX XXXX  XX/XX/XXXX Acct # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX My information was breached with XXXX and another company last year.
Product: Credit card

I had an account that I didnt even use Getaway Card by FNBO XXXX A fraudulent transaction popped up for XXXX, so I called in to file a dispute. This was back around XX/XX/year>. They immediately closed the original account ending in XXXX, and sent a new card via mail ending in XXXX. Before receiving the new card in the mail, theyd already transferred this fraudulent charge from the old account to the new account and posted it. Ive received zero communication from them and this amount shows on my credit report and now theyve begun adding interest all on a fraudulent charge. I have excellent credit and have called numerous times to them regarding this matter and receive ZERO assistance. Theyre about as unprofessional for a credit card company that Ive dealt with. I have an alleged claim number XXXX. I need this cleared up and removed from my credit file, and Im to the point of once its cleared up closing all business with this company.
Product: Debt collection

While viewing my credit report, I noticed a debt that does not belong to me. Amerifinancial Solutions is reporting unverified incorrect information on my credit report. I do not recognize the debt that they are attempting to collect. This is causing unwanted stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/ -called 3 times had XXXX different representatives pretend to deactivate my account XX/XX/ -I chatted online with multiple agents trying to have my account deactivated still no luck XX/XX/ -spoke with them on phone and chatted trying to explain it wont let me deactivate my account because its saying I have money in my savings but they informed me over the phone that I did not have money in savings so can they please deactivate my account XXXX -I spent over XXXX hours going back and forth on the phone and chatting with them trying to get my account deactivated and they said they couldnt they tried but I dont understand how they could make me keep a membership I dont want
Product: Credit reporting or other personal consumer reports

I need to attend the following shown items in this letter which contains data taken directly from my credit report which have been provided Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me to Delete this unconfirmed inquiry lacking certificates evidence unless physically certified verified proctor is demonstrated per U.S CODE 15 U.S.C. 
1681 ET SEQ. Section 604 of Fair Credit Reporting Act I do not recognize approving all these companies to run my credit I only approved my bank XXXX. Could you please help me to clear my history from interned credit checks inquiries.
Product: Credit card or prepaid card

XX/XX/2020 - I contracted with XX/XX/XXXX for service and automatic monthly payments. 
XX/XX/2020 - No service, and XXXX wouldn't correct it. Auto pymts. stopped. 
XX/XX/XXXX stopped debiting my card, but suddenly charged {$420.00} in XXXX.
Product: Mortgage

I am a customer of Specialized Loan Servicing and formerly of XXXX XXXX XXXX vis a vis XXXX. I am the recipient of a {$27000.00} Dept. of Justice write down. Approximately three months after SLS acquired my mortgage, my escrow account was in the negative as a direct result of high taxes- water and property. I reside in XXXX XXXX and we have the dubious distinction of paying the highest property taxes in the state. In addition my water and sewage bills have increased for three consecutive years by a whopping 15 %. Repairs to the infrastructure of an aging city are not cheap. 
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 
I am always stumbling to the finish line with a payment of no less than {$1600.00}. Only about 14 % of my payment goes toward reducing the amount of the actual mortgage. Furthermore, I am experiencing a 29 % increase in payment. I have been harassed with breach letters, informed that I can enter an in-house modification, and made to feel that if I fail to get my loan caught up, I will lose my home. My experience with XXXX informs me of in-house modifications : they increased before they decreased. 

I am being made to believe that if I do not give SLS a whopping XXXX every month before mid-month or XXXX later in the month that I will lose my home of many years. I am two months and 3 weeks behind.. 
Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
My suspicion is that SLS is a subsidiary of some sort of XXXX, and customers who received a XXXX XXXX. settlement may be unfairly targeted. 
I am proposing a cure that involves allowing me to rebuild the escrow through regular payments separate and apart from maintaining regular payments of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX  for committing identity theft. On XX/XX/2022 I checked my credit and seen that an account reporting that I never opened or authorized. I have never given XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. Until XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract remove this fraudulent open account from my credit file, if this documentary evidence can not be produced and XXXX XXXX continues to report this unauthorized account. I will file for litigation for actual damages caused and XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant XXXX XXXX XXXX XXXX extortion, theft by deception and securities fraud. XXXX XXXX is also reporting an unknown address on my credit file attached to this account that I have informed the credit agencies that does not belong to me and that I have never lived at, and was told that XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX was attached to this said XXXX XXXX  account and XXXX customer service agent told me that it can't be removed. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required. Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX knew and agreed Vehicle was totaled XX/XX/XXXX insurance paid all but $ XXXX gap insurance was supposed to pay off the Vehicle they refused I had a agreement to pay {$100.00} a month starting in XXXX full XX/XX/XXXX, gap they refuse to give me my outstanding credit vehicle was paid as agreed and now paid in full, my credit score dropped XXXX point for the 2 month the claim I did not pay
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit. i contacted XXXX XXXX., the collectors. and the reporting agencies. to date nothing has changed after 6 months
Product: Credit reporting, credit repair services, or other personal consumer reports

After speaking with Equifax and addressing my issue that I have a collection from XXXX XXXX that started reporting on XX/XX/22. I have spoke to them via phone to inform Equifax I wanted this removed on the grounds that its a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. Also informed Equifax that they were also in violation of 15 usc 1604 which states that Equifax needs my written instruction to furnish anything on my consumer report. 
Most importantly Equifax has also violated their own data sharing policy which states as well that Equifax needs the consumers written instruction to furnish items on the consumers report
Product: Mortgage

I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis. 
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX  yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of them. I didn't inquire for accounts with them. I would like for these to be removed from my reports. I have sent certified letters and the response I received back was "These item are factual record of file access."  My rightschedule are being not being acknowledged and I am after multiple attempts to remedy this asking for your assistance to have these agencies perform their duty to protect my credit worthiness and reputation. XXXXXXXX XXXX XXXX/XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXXXXXX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXTRANSUNIONXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Mortgage

In XXXXXXXX XXXX XXXXXXXX my loan was bought out from XXXX XXXX Mortgage to Mr Cooper. The loan was completely under Mr Cooper by XX/XX/XXXX. During this time I had PMI of {$200.00} a month which comes out of escrow and paid directly when the mortgage is paid monthly. The information was put into their computer system as a - coming from the previous company. I have never had a late payment in the life of the loan ( XX/XX/XXXX ) when the property was purchased. In XX/XX/XXXX my PMI came off and in XX/XX/XXXX I had a negative balance of {$200.00} on my account which Mr Cooper is charging me for monthly {$16.00}. If you have a negative on your account in any form, PMI can not be dropped ( these are XXXX XXXX rules ). Also PMI is not held in escrow and comes out monthly through the mortgage payments. I have fought with Mr Cooper now since XXXX about this issue which I was wrongfully charged due to their mistake. If this does not get resolved this way I will have to take even further action.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for NELNET to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account NELNET - XXXX NELNET - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently spoke to a representative from credit acceptance on XX/XX/2020. She confirmed that my initial past due balance was about {$3200.00} but could not explain how it has gone up to over {$4000.00} since then even after agreeing to pay more each month to reduce that amount. My account still shows as either XXXX or XXXX depending on who's reporting and none of the payment history is consistent across the 3 major bureaus. Even if I was 180 days past due my balance at worst with late fees would be around {$2600.00}. Its likely the total balance owed is incorrect as well because of this. It almost as if there are hidden fees or interest being added that was never discussed with me because my payments are not improving the past due status and this is affecting my credit more than it should be.