23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company failed to pay our property tax on time, and we received a tax penalty. The mortgage company using our money in an escrow account to pay the penalty, when they should pay the penalty out of their own pocket due to their late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loan had been in " OK '' standing since XX/XX/XXXX. As oXX/XX/XXXX my account was 90 days past due. I called and corrected the issue, however, that report after six years of " good standing '' dropped my credit score 178 points. That point drop seems excessive after six years of good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency Transunion is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on all three of my credit reports. I sent complaint number XXXX by accident and it was meant for XXXX. Here are the fraudulent inquiries on my Experian report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These XXXX inquiries on my TransUnion report are fraudulent/and these XXXX collections I have been fighting since the BEGINNING OF THIS YEAR!!!!! and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

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 XX/XX/XXXX As well as these XXXX illegal accounts that has been opened in my name for over XXXX  years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXXXXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Mortgage

usaa received money va direct deposit form va i sent 4 request no respond to date usaa want tell me who the paid nor how much usaa allowed some to put their name i need to know ther pa history is wrong the amount is tooly wrong
Product: Credit reporting

Equifax is reporting a dismissed Bankruptcy that is damaging my credit and opportunities of new credit as if the Chapter XXXX bankruptcy is completed. I am XXXX and have been denied affordable accessible housing with this as a factor. credit has been refused because of this. When I contacted the agency they said contact the courts they are responsible. I received a letter from the courts after inquiry stating that they are not reporting. This is already a public record and they do not report to any credit bureaus. I am being penalized as if this bankruptcy actually went through. I filed papers in XX/XX/2011 and it was dismissed in XX/XX/2011 due to my inability to to follow through because of declining health and insufficient debt. I am receiving the same punitive treatment as if i had followed through and none of the forgiveness or debt relief.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX
Product: Credit card

I've got the XXXX XXXX XXXX Synchrony VISA card on XX/XX/year>, after spending the required amount of money, Synchrony showed in my statements that they submitted XXXX miles to my XXXX XXXX frequent traveler account but XXXX XXXX never received those miles. 
I've called Synchrony Bank at least 10 times looking to have a solution but it was a waste of time. Every time I call they say that they will look into it, or they say that I should call XXXX XXXX or something else .... 
I've called XXXX XXXX and they said that they never received the information about my miles from XXXX XXXX. 
For your knowledge I paid a fee of {$95.00} to Synchrony for that credit card The whole year is gone, and I couldn't use those miles.
Product: Credit card

I requested a credit line increase on my Sears Mastercard and was declined. The reasons they gave were " unsatisfactory credit and/or derogatory public record references ''. I immediately pulled all XXXX credit bureaus to see what could possibly be reporting negatively. EVERYTHING is reporting paid as agreed or no lates wth the exception of XXXX X 30 days late XX/XX/2012. that was 4 1/2 years ago and should not be a reason to decline credit. There is not any public records at all. I feel they are discriminating against me because I am a single woman in her XXXX 's. If they have a more legitimate reason for declining an increase in my account that i have a perfect rating with them, then they need to let me know. Thank you
Product: Student loan

I am XXXX XXXX XXXX and do not have payments due at this time. On occasion I do try to make small payments as my original loans have ballooned from XXXX - XXXX in the last couple of years and recently noticed these payments are not being applied to my account. The money has been removed from my bank account so I can see the payments were made from my bank but they have not been applied to my account and do not show up in my transaction history on EDfinancial
Product: Checking or savings account

On XXXX XXXX a financial advisor at Citizens bank accessed a college fund wherein I am the owner and gave a copy of the Year End Report to someone other than me and without my authorization.
Product: Debt collection

XXXX hospital sold a dept on my daughter that was seen with them back in 2010 my daughter had XXXX back then and continues to have XXXX coverage. I would like them to remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a part of an ongoing issue with this company. Today, I received a letter in the mail from XXXX XXXX, dated XX/XX/2023, that states as a part of the " Equal Credit Opportunity Act '' that an appraisal may be ordered to determine my property 's value as a part of the " loss mitigation '' process and I will be charged for this appraisal. ( See letter attached ) However, I never authorized this company to process a loss mitigation of anything, nor did I approve my credit to be ran, or an appraisal to be ordered. I have turned in several reports regarding the illegal practices of this company, yet, this company continues to ignore federal legislature, underwrite according to their own guidelines completely negating federal legislature along with XXXX XXXX and XXXX XXXX guidelines. 

I have another complaint currently open with regards to them not handling my loan according to federal guidelines pertaining to the CARES act for COVID forbearance ( see complaint # XXXX, submitted XX/XX/2023 ) and am under the assumption that this letter may be a continuance from this company refusing to defer ( tack on to the back of my loan ) my COVID forbearance amount. However, this letter indicates " recent document submission '' and I have submitted nothing to this company other than the filed complaint with them that I also lodged with CFBP ( referred to above ). 

There should be no credit being pulled, and no appraisal being ordered, as a loss mitigation request was never submitted nor authorized by me. I will not be ordered to pay for an appraisal as that is NOT required according to CFPB guidelines for the CARES act, nor should my credit have been pulled for any reason. I am NOT modifying this mortgage, refinancing this mortgage, or accepting any kind of loss mitigation practice to be applied to this mortgage, as that is NOT a requirement of the CARES legislature. 

Please provide confirmation that this letter was sent in error : credit was not pulled, appraisal was not ordered, etc. Any pulls should be removed from my credit report and any appraisal that may have been ordered will fall as an expense to this company, as I did not authorize any of these methods nor are they required per the CARES act. I am exhausted with the back and forth with this company regarding their refusal to follow federal legislature regarding the COVID CARES act. 

I can only imagine how many other borrowers are dealing with, have dealt with, or have just accepted their non-sense and tyranny regarding improper handling and underwriting of loans. If XXXX can not follow the guidelines set forth by feds, XXXX, and XXXX, their license to give loans, service loans, etc., should truly be revoked. No one should have to continuously deal with this kind of madness on a consistent basis like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  XXXX XXXX  # XXXX****the dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX  # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX XXXX XXXX XXXX I have never done any type of business with this company please delete this account at once!
Product: Credit reporting or other personal consumer reports

Global lending services shows XXXX accounts on my credit reports. These accounts are reported inaccurate on my credit report and the company is still attempting the contact, demand, and withdrawn funds from a personal account after being notified to cease all contact and that these transactions were not authorized by me. Account last update XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and was shocked to learn that i have been a victim of identity theft .i found numerous accounts on my credit report that were not opened by me.this has been hurting me as i am in the process of purchasing a new home for me and my family.please remove all fraudulent accounts from my credit report as soon as possible ... ... .....
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. 

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 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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 settled this debt a long time ago, and the agent I spoke to assured me the account would be deleted from my credit report. When I got my mortgage pulled in XXXX I discovered the account still reporting. I sent Penn Credit a letter asking them to remove the account as promised. That letter was returned to me. I do not understand, I found their information on my credit report. I believe they have to report 100 % factual data to the credit bureaus. They have misrepresented the truth, updated their account on my credit, which caused my credit score to get damaged, when they promised to DELETE the account, and have reported incorrect or unverified information to the credit bureaus! 

Their address, reported to XXXX   as recently as XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I submitted a complaint regarding an account that is listed on my credit report. While I was XXXX, an account was opened in my name. I provided Comenity Bank/XXXX  with documentation showing that I was XXXX  from XX/XX/XXXX to XX/XX/XXXX. The XXXX XXXX XXXX was opened in XX/XX/XXXX, XXXX months after I was XXXX. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of XXXX that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a citi best buy account. great card no issues. However on CITIBANK NA, BEST BUY ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.
Product: Debt collection

I mailed a letter on XX/XX/2021 to XXXX, Transunion, and XXXX about 2 child support accounts on my Consumer Report and that violates my privacy and privacy act by reporting this. I havent received a response from neither of the 3 companies and its XX/XX/2021, thats over 45 days.
Product: Vehicle loan or lease

I purchased a XXXX XXXXXX/XX/XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX, IN. After signing the loan paperwork, I was given a copy to take home for my files. My salesman called a couple of days later saying there was an issue with my financing, they needed me to resign some papers and he 'd drive them to me to sign. I do not remember the name of the 1st company and the paperwork I was sent home with at the first signing was for another person who applied to purchase my car before me. I have no record of the company, loan, rate, amount. The 2nd and current finance company, Kitch Acceptance Group called to collect their first payment and I'd never heard of them. The sales team at XXXX XXXX switched finance companies, forged my name on the paperwork, and changed the interest rate. Kitch and XXXX XXXX General Manager, XXXX XXXX worked to get my situation figured out and I, again, went to XXXX XXXX to sign paperwork. I was told I was paying {$10000.00} for my car at an interest rate of XXXX with a payment of nearly {$350.00} a month, however, If I paid all payments on time, I could trade the car in or refinance in a year for a better deal. Its been almost a year, I've contacted Mr. XXXX several times with no response. The last time I tried contacting him, he had be speak with an associate who took my information and called me back to make me aware if I wanted a new car I'd be looking at {$500.00} a month. I contacted Kitch in an attempt to refinance and was told I needed to call my bank, they weren't in the business of giving " good deals ''. Like everyone else, the pandemic has caused tremendous suffering and struggle in my life. As a single Mom, its been devastating as my company closed when the state shut down. Its been nearly impossible to keep up with {$350.00} a month car payment. Kitch contacted me in XXXX offering a no interest payment and I contacted them XXXX XXXX, I think XXXX to request a payment deferral and was denied, they did allow me to pay approx {$100.00} or so less. Every month I've had to rely on the credit from my XXXX to pay my bills. Kitch does not accept XXXX, therefore I'm at the mercy of a check being mailed each month by XXXX to Kitch. Kitch has been made aware every month of my situation, yet they call every month demanding a date and reminding me of late fees. They call so often, I've had to block them from my cell phone. They call from automated numbers and email me as well. I ran out of credit, unemployment ceased and my savings is depleted. My car payment was 14 days late and I had received 7 voicemail messages and 2 email. I responding to let them know I was working deligentaly to ensure my payment did not go 30 days late. They called 12 more prior to my making my payment 2 days before a 30 day late. I had been working with companies trying to refi my loan and lower my payment only to be told I owe {$12000.00} on a car I paid {$10000.00} for a year ago and is worth {$9000.00}. LIFE is stressful enough right now, I know my car payment is late, 2 phone calls a day is not going to make money appear out of nowhere.
Product: Checking or savings account

I enrolled in banking offer with a promise of {$700.00} when setting $ XXXX of direct deposit and keeping $ XXXX in savings for 90 days. 

I was committed to using account but still had auto pays such as for home loans from other outside accounts. I was promised that I would be able to use XXXX to transfer to my other bank. 

I did this without any issue the first two months. This last month a few days before 90 day seasoning period my checking account was blocked from XXXX transfers. I was only given option to do so from savings. I made the transfers I needed completed over 15 day period. It did not come to my mind that these XXXX transfers were exceeding a limit and the online site never disclosed prior to the transfer that you are about to go over a monthly transfer limit. All I knew is I needed to make transfers and they were not giving the option to do so out of my checking. 

As luck would have it this triggered {$45.00} in fees which placed my account just under $ 10k so as to disqualify me from {$300.00} portion of the $ XXXX  days before reaching 90 day threshold. Conveniently fees were reversed and representative I spoke to for over an hour on the phone assured me that you will not be penalized against offer as your average daily balance is over this. From my perspective it was they who blocked the checking for reasons beyond my control and in a busy 15 day stretch I had transfer using my savings to pay my mortgage and other creditors. 

Of course they will not take responsibility for their error to block the checking and allow savings. If this was about a security concern then XXXX should have blocked from all accounts. I feel unscrupulous lead to the block in an effort to create the fees that would lead to the account to fall just below $ 10k days before it would qualify for added {$300.00}. 

Please help correct this matter with BMOHarris Bank in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX 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

The following account was a charge off/collections it yet continues to display multiple inaccurates listed on all three credit XXXX Transunions, XXXX XXXX XXXX inaccurate, closed account reporting open, incorrect opening date, date of last payment, or date of first delinquency, incorrect account type after reaching out to credit reporting agencies, and reaching out to the creditor itself to get a validation of debt, which two seems to be displayed as an accurate
Product: Credit reporting or other personal consumer reports

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 Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Re : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( A ) I am writing to inform you that I am a victim of the data breach that occurred at XXXX in XXXX, and The XXXX aka XXXX XXXX XXXX XXXX of XX/XX/XXXX, As a result I am requesting that you take immediate action to protect my personal and financial information. 
Because of this breach I believe the following inquiries were allowed 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 Pursuant to 15 USC 1681c-2 ( A ), I hereby request that you block and delete all accounts associated with my name and personal identifying information. This includes, but is not limited to, any credit accounts, inquiries, and other information that may be contained in my credit file. 

I would appreciate it if you could expedite this request and confirm in writing that the block and deletion have been completed. Please send a copy of the confirmation to the address listed above. I have submitted proof of both data Breaches swear under pains and perjury that I was in fact infected and the following inquiries are infact Fraudulent Thank you for your prompt attention to this matter. 

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

I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. TransUnion and XXXX are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter XXXX filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with TransUnion has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with TransUnion and XXXX  were XX/XX/XXXX ; TransUnion has responded and XXXX  has not. 

I have attached all documentation, as well as the dispute letters.