23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just won a judgment against XXXX XXXX. They were to correct to all credit reporting agencies to change the late payment in XX/XX/XXXX to not late. It was never late. This company also increased to loan balance when I first tried to refinance the house in XXXX. They increased the balance from {$240000.00} to over {$500000.00}. This was an effort to lower my credit score to enable me to refinance. I have proof ( screenshots ) of when they accelerated this debt in XXXX. When I contested this, the informed the credit agencies a have a balloon payment. I did not sign any balloon contracts. This is a conventional loan. To this day, XXXX refuses the correct the reporting of this report. 

On XX/XX/XXXX, XXXX purposely reported their attorney fees as late charges to harm my credit rating. Additionally, this cause a 30 day late payment. There was no reason to add their attorney fees to my credit because they lost in court this past XXXX and I was awarded my attorney fees to be paid by XXXX. Once I requested a payoff on XX/XX/XXXX, they reported the false reporting of me being {$78000.00} past due on XX/XX/XXXX. 

I have submitted several times to all credit bureaus the judgment from the trial. Additionally, XXXX  is still reporting my balance due is over {$500000.00} and refuse to correct this for reporting reasons. 

I need XXXX  to correct all 30 day late on my credit. Correct the balance due on the loan It is not over {$500000.00}. They lost in court. The judge ruled against them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my authorization. As per 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), fraudulent items must be blocked from appearing on my credit report. 
Fraudulent Accounts : 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 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX, Equifax, XXXX The following inquiries were not authorized by me please delete them I have neverDateXXXX XXXX XXXX  1.CompanyXXXX XXXX XXXXXXXX AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX XXXX 2.CompanyXXXX XXXX - XXXX AddressXXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX, XXXX XXXX XXXX XXXX 3.CompanyXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, TX XXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting a agency if the person knows or has reasonable cause to believe that the any of information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2020 I purchased a plane ticket and travel protection insurance from XXXX {$270.00} and {$46.00} totaling {$320.00}. Due to a medical emergency I was unable to travel and contacted XXXX to cancel my flight and get a refund for the {$270.00} ticket. They cancelled my flight and refused their obligation to refund my ticket. I tried for several hours to resolve this with the creditor to no success. I then filed a dispute with Keybank prepaid card services by telephone and the agent categorized my dispute incorrectly and in addition to that issue I had moved in XXXX and did not get any requests my mail for further info on my complaint. My claim was subsequently denied. After learning of this error I called and re-opened the complaint and submitted all my supporting documents by mail and fax on XX/XX/2020. I received another denial letter from KeyBank stating that my claim is denied and that no error occurred which is a flat out lie. I don't think my claim was given proper consideration because this decision is so blatantly unfair. I did not receive the services for which I paid in either the travel by airplane or the travel protection insurance and I did not receive a refund for either. If Keybank properly investigated my claim and the evidence I provided I believe they would issue me a refund of {$270.00} for the plane ticket immediately if not in addition to the {$46.00} for the travel protection insurance which I did not receive. I have copies of the original purchase receipt, insurance policy, and charges to the debit card issued by Keybank as well as a doctors note serving as proof that I had no choice but to cancel my trip and am happy to provide that to your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I TRIED GETTING A CREDIT REPORT FROM TRANSUNION AND IT STATED MY INFO WAS NOT MATCHING UP SO I WAS NOT ABLE TO RECEIVE REPORT! I HAVE BEEN GOING THROUGH AN IDENTITY THEFT CRISIS SINCE XXXX AND HAD BACKGROUND CHECKS RETURN WITH WRONG INFO! THEN IN XX/XX/XXXX SOMEONE ORDERED A CREDIT REPORT WITH DIFFERENT SOCIAL SECURITY NUMBER AND HAD IT MAILED TO MY ADDRESS AS WELL AS OPENED IT AND PLACED IT IN RESIDENCE SO I TRIED TO DISPUTE IT WITH COMPANY BUT HAVE YET TO GET A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX XXXX XX/XX/year>. The Date Opened for this account on XXXX is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following. 

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

This was fraudulent accounts open in my name i contacted the original creditors and i was told they did not report this to Equifax on XX/XX/XXXX XXXX i wrote to equifax to have these fraudulent accounts removed on my credit. they wrote me back saying these accounts came back verify as mine? 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$61.00} Amount {$61.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  PA Date Assigned XX/XX/XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX
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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

My credit card expire over a month ago and Capital One failed to send a replacement card. I'm unable to access my funds. I call a second time today, and they told me that the first time I called they failed to send the replacement as they were supposed to, representative couldn't explain why it wasn't send. I asked if they can send the new card via an expedite manner since I need my funds ASAP, and the refuse. Please help!
Product: Mortgage

A manager from Amerisave Mortgage carelessly sent my loan information/disclosures with confidential information to another client email. This client kindly contacted me and informed me of their failure to keep my info secure. She sent by text message proof of everything.

What are my rights when a mortgage company creates this type of misconduct? Can I sue due to breach of confidentiality?
Product: Mortgage

LoanCare LLC is illegally holding my escrow funds. After paying XX/XX/XXXX taxes due of {$3500.00}, as of XX/XX/XXXX, they are illegally holding almost {$8000.00} in escrow funds. I have repeatedly contacted this company in writing and by phone. I have talked with supervisors. The companys employees are complicit in this illegal activity, as I have been disconnected, and told a variety of lies and excuses as to why they can not process my request. I have consulted with an attorney, and have confirmed this activity on LoanCares part is illegal. I will also note their rating and reviews on XXXX  are horrific.
Product: Checking or savings account

Amex serve debit account failed to honor there banking agreement after my money was stolen I have filed arbitration with the XXXX XXXX XXXX and they have not paid there portion of fees or respond in any way they have breached both the arbitration agreement as well as the user agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Product: Credit reporting or other personal consumer reports

From the months of XXXX, XXXX and now XXXX of XXXX I have been trying to acquire housing. I received multiple FCRA Adverse Action Letter for denial of a rental unit I was applying for. Along with the rental 's management company, I was denied due to past negative rental history, which is false. I am out another $ XXXX in application fees for rental and my housing rights are being harmed! I can not get rentals and or purchases now being denied. I owe nothing to a prior landlord, I received CERA funding  ( XXXX XXXX ) and have bank and payment portal receipts to said landlord. I was no longer living in rental after CERA funds were paid and my lease would not be renewed. I have disputed this to the multiple tenant screening companies and they state they get their info from Experian XXXX.
Product: Credit reporting or other personal consumer reports

My identity has a data breach with. Equalfax. I want all negative report to be taking off. My report. They expose my identity to hackers I never got compensation for my looses I want everything removed from my credit report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that this I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with XXXX and Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Product: Checking or savings account

I deposited a check of XXXX dollars on XXXX XXXX and it cleared XX/XX/2022 I have power Of Attorney for my uncle who is in prison. I did not know about XXXX party not been accepted at chase bank. I was told to upload the document which the bank did. Then was told it was expired to get new Form which I did with my uncle. Took it to banker he uploaded called customer service which was told it was accepted and will mail check out because they had closed my account. Or to open new account and will be deposited. Which never happened I called customer service again was told forms were not accepted they would need to verify with my uncle I gave them all information to them to call prison to verify. Nobody is trying to help with that I have everyone name times who I spoke to it's going on 2 months. I asked for them to send back check to the maker XXXX XXXX. My XXXX needs his money it's not right and they have no reason to hold the check its XXXX they cleared. I dont know what else to do. I just want them to issue back to the maker of the check. Need Help Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to purchase a vehicle. The dealership pulled my credit report. It was only supposed to be one inquiry. However when I checked my credit report the following week, it showed that I had multiple 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 XXXXXXXX
Product: Debt collection

I contacted the collection agency XXXX XXXX on XX/XX/2021 in attempt to resolve my debt from my old apartment and was disrespected by the agent. I paid {$500.00} towards by balance which was suppose to be for {$1400.00}. I explained I was behind with everything due to a recent loss in my family and me not working for almost a whole year due to COVID. The operator/agent responded to me saying well I should have taken care of my responsibilities and said if I didnt pay there would be consequences if the balance was not paid by the end of the month. Im taking steps to cover my debt I owe while also being talked to like Im nothing .. Despite the set back I was having I called and paid what I could and advised I would follow up in about a month in attempt to put more money towards my balance. However, I was unable to pay the remaining balance of {$910.00} due to unforeseen circumstances. I then receive a debt collection on my report XX/XX/2021 stating I owed {$2400.00}. This is unacceptable for me to pay the company and they act like they never received the money and they added charges. They received emails confirming the right amount which I have documents of and proof of the last payment on XX/XX/XXXX.
Product: Debt collection

I am writing to you regarding a fraudulent account that has appeared on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized or opened. This is a clear violation of my rights as a consumer and is causing significant distress and inconvenience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to correct a error on my credit report. Equifax continue to mail information with the name XXXX XXXX XXXX and my complaint is my name is XXXX XXXX no initial. I am wanting this issue resolved with my credit report. XXXX XXXX
Product: Money transfers

. Under fake indentify card she got money via Western Union Bank in XXXX. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identfy card is fake confirmed by XXXX in XXXX. My case had been investigated by XXXX XXXX XXXX Senior Legal Analyst Western Union LLC, XXXX, REF XXXX. XXXX XXXX XXXX XXXX wasnt able to determined who was real receiver. As XXXX XXXX XXXX stated, the named payee presented identification and the transactions were paid correctly. Please help me and contact me by email XXXXXXXXXXXXMTCN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXMy case number XXXX XXXX XXXX XXXX XXXX Fee Fraud SectionEconomic and Financial Crimes XXXX, XXXX XXXX : XXXX, + XXXX : XXXXEmail : XXXXXXXXXXXX : XXXX XXXXSpecialist Customer AdvocateOffice US : + ( XXXX ) XXXX ext. XXXXOffice Intl : + XXXX XXXX XXXX XXXX ext. XXXX : XXXXXXXXXXXX. XXXX is able to cofirm, that nobody recieved money in XXXX. We have difference of opinion between me and XXXX XXXX about money transmitance. I cant agree with such manner of money transmittance that it was absolutly enough to know MTCN and answer to questions, the other - name. surname, address, country is not important. I have sent money only to XXXX XXXX, and only to XXXX. Money took a strange payee, who was???? This person XXXX XXXX is not going to find out till now!!! Please help me and contact me. I look forward Your reply as soon as possible. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX, XXXX and TransUnion requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureau claim that they completed a reasonable investigation with the furnisher of the accounts and verified XXXX XXXX that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score Account numbers XXXX & XXXX financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a new credit card in XX/XX/XXXXand the criteria of the card is spend {$1500.00} in the 1st 3  months and we will give you {$350.00} within 6-8 weeks. I met the criteria XX/XX/XXXXand today marks the 8 week mark. When i reached out today through a phone call i was transferred 3 times then put on hold to be hung up on. i called at XXXX XXXX and they sent me an email at XXXX to tell me i met the criteria on XX/XX/XXXX 's billing statement. The email i received from them with instructions for the bonus says nothing about meeting the criteria at the end of a billing statement. They are telling me i have to wait another 6-8 weeks and this information was not relayed to me in the beginning or i would n't be making such a big deal of it. The customer service i 've experienced since i reached out to them XX/XX/XXXX has been horrible. I 've banked with them for years and i think i have found the reason why i should n't have opened my credit card with them. I will be closing this card once i am out of the clear with payments.
Product: Debt collection

The whole month of XXXX, XXXX, XXXX they have been contacting me nonstop about this alledge debt. I have asked for proof of verification. They are also not licensed to collect on this debt in the state of Florida