23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX Amt {$1000.00} XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - Acct # XXXX Amt {$0.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$67.00} XXXX XXXX- Acct # XXXX Amt {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there " XXXX XXXX XXXX  XX/XX/2022 '', it has been on my consumer report for about a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a collection in the amount of {$11000.00} on XXXX XXXX XXXX partial account number XXXX. The original creditor is XXXX XXXX XXXX. ( Please see page attached from my credit report. ) After my original lease expired I moved from the apartment complex. My account upon leaving was in order and in good standing. I never signed a renewal lease agreement and clearly XXXX XXXX XXXX has made an error and attached this collection to the wrong person and account. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. 
Fraudulent accounts have been added to my credit report without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be immediately blocked and deleted from my credit file : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and inaccurate accounts have been fraudulently added to my consumer report. I have submitted multiple disputes to [ XXXXTransUnion XXXX under my rights in the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX and XXXX XXXX. XXXX, yet these fraudulent accounts have not been permanently removed. 

I provided the required documents, including : A copy of my government-issued ID FTC Identity Theft Report A written request specifying the fraudulent accounts Per FCRA XXXX XXXX. XXXX ( b ), once an item is removed due to identity theft, it shall not be reinserted into my consumer report. If any of these accounts are re-added, the credit bureau is violating federal law. 

I demand the immediate and permanent removal of the following fraudulent accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The credit bureau 's failure to remove these fraudulent accounts is harming my financial well-being, and they are in violation of federal law. If this matter is not resolved immediately, I will escalate my complaint to the Federal Trade Commission ( FTC ), my state attorney general, and consider legal action under FCRA XXXX XXXX. XXXX, which allows me to seek damages for willful noncompliance.
Product: Debt collection

I have a debt wit h United Credit Collections  in  XXXX   XXXX , MO from a broken lease and I am trying to get a paid in full letter from the collection agency once I pay the debt and they 're telling me that they are unable to email or fax the letter to me once the account is paid in full and that they can only mail it to me. And the representative that was initially handling my accoun t (   XXXX   XXXX   )  is so unprofessional and I had to call numerous times today  X/XX/2017    and he will not allow me to speak with anyone else and saying that he is the only one who can help me and I am trying to pay my debt today.
Product: Vehicle loan or lease

My husband and I had a car loan with Bank of America, which was paid in full with funds from a home equity line of credit. The line of credit was provided by XXXX XXXX XXXX who sent a check for payment in full with an Authorization for Payoff instructing Bank of America to accept payment, close the account, release all liens and send completed documents to us. 

The Authorization for Payoff is dated XX/XX/XXXX. A letter from Bank of America dated XX/XX/XXXX was received showing the loan has a XXXX   balance, but no lien release or cancelled loan documents were received. 

After several attempts to contact Bank of America, I was successful in receiving a lien release and now have the proper title for our vehicle. However, according to Illinois law they are required to provide title and documents within 60 days or pay us a fine of {$150.00}. I am requesting payment of the fine to us. 

I did not receive the lien release until XX/XX/XXXX, and only received it because I repeatedly requested it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the XXXX credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately : XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance.
Product: Credit card or prepaid card

I am receiving text messages stating " CareCredit Rewards MC courtesy reminder. Make payment. carecredit.com/Mastercard  XXXX FreeMsg : Synchrony Bank. To opt out reply STOP '' I do not have a CareCredit Mastercard. I have an old Synchrony card which has not been used in 2 years. I am afraid someone has gotten a fraudulent card in my name. The only way to get info from them is to give them my Social Security number, which I will not do. What do I do?
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. 

Also, if you look at the attached screen shot of my report, they are saying was late two months and that is true. On XXXX, they are reporting XX/XX/2015 30 days late and on XXXX and XXXX they are reporting XX/XX/2015 30 days late.
Product: Debt collection

In 2020 I fell into financial ruin due to losing my job on more than one occasion and then being forced to move out of my parents house as a result of a toxic living situation and domestic violence issue. My bills more than tripled and I was forced to choose which bills to make a priority and pay. I receive government assistance for food, energy, and XXXX I have told these creditors repeatedly that I do not have any money to pay them yet they still continue to call and harass me and they have also reached out to my parents and their previous employers which is harassment. I would pay my debts if I was financially able to but I cant.
Product: Credit reporting or other personal consumer reports

Hospital bills are the people trying to open different accounts on my social security number and etc
Product: Prepaid card

On XX/XX/year> I received a gift card from my colleagues at work for the Google PXXXXay store. 

I activated the card on my Google account and attempted to make an in-app purchase with the funds on the same day.

The play store app refused to complete the transaction. I opened a support ticket which prompted me to fill out a form. The response from google was that there were " inconsistencies '' with my account causing the gift card to not work. To quote from the email " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information that you provided to us. As a result, we are unable to help you redeem these gift cards. '' The request was closed at that time. Original request number XXXX. 

I opened another request, which is still open, however, they have indicated that they will not allow the funds through still.
Product: Credit card

My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file.

This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX Police Department ( Case Number : GO # XXXX XXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting. 
In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXX Accoun number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXX Police Department, documenting the theft of my vehicle and personal documents ( Case Number : GO # XXXX XXXX ). 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was doing a refinance on my home. A family member told me cash call was giving a 3.25 interest rate. So I call. I go through the whole process and even got the paper work notarized. I though it was a dont deal. Boy was I wrong they call me yesterday and told they will not finance my loan. The reasoning was that they couldnt sale any of the loans they had at this time because people arent buying them. This just blew me away how they could back out of a signed contract like this. Is there anything I can do? Is this my problem or cash calls?
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Debt collection

Weinstein & Riley, XXXX, WA. 

A XXXX XXXX called intimating that we were late on a payment, which is not the case. She had no clue as to terms of the settlement their firm was handling for a third party lender. She was down right insulting, full of inaccuracies and just wrong. 

I asked to speak with here supervisor. XXXX XXXX ( sic ) stated this person should not have called even though they sit right next to each other. She is new, was the response! I asked about training, policies, procedures and internal controls. She had no response. 

I asked XXXX to speak to her supervisor, XXXX XXXX ( sic ) an attorney with the firm. Not in office, left a voice mail. 

This firm is not in control of its personnel and to be contacted like this is just wrong. 

If we consumers don't speak out, reforms inside firms like this may not take place. 

Not sure if you have had complaints with this firm previously, but something is not right with this firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a compliant to Equifax asking them to investigate the inaccurate bankruptcy their agency is reporting, I have submitted documents to support this claim but I never heard anything back from the Bureau nor was the Bankruptcy verified, with verifable proof that I requested, This Bankruptcy does not belong to me, but someone with similar name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX reported my accounts to XXXX for checks being returned and causing overdrafts. It was not my fault those checks returned. They penalized me for a check someone else sent me.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. These are the unverified accounts : XXXX XXXX XXXX XXXX  Balance Owed : {$25.00} ; XXXX XXXX Balance Owed : {$74000.00}.
Product: Debt collection

Again, ARS are using obscene and profane language as well as defaming my character by communicating INDIRECTLY with my consumer report without my consent. I never gave these debt collectors my consent to speak to me, a consumer. Thats another violation. Having my private information in your records is another violation. Speaking about any medical information is also a violation. ARS initial validation notice, that theyre referring to, is another violation as well as mail fraud. I did not give my consent for this debt collector to communicate with me. XXXX mention, There is no requirement that the provider have permission from the consumer to place an account in collections. What FEDERAL law states this? Because according to FEDERAL law 15 USC 1692c ( a ), without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate with a consumer in connection with the collection of any debt. Now show me the federal law that states otherwise. ARS claims to never spoken to me but according to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or INDIRECTLY to any PERSON through ANY medium. ARS communicating indirectly about my consumer report with every reporting agency. Thats a violation as well as obscene and profane language, to me. ARS can not tell me, the consumer, what is or isn't obscene or profane language. ARS stating I even owe this alleged debt is obscene and profane language to me. I did not give ARS consent to do anything but remove my private information, XXXX  out the balance on this alleged account, and pay the invoice attached to compensate me for the damages pursuant to 15 USC 1692k. I did not ask for any validation and the fact ARS insist on stating I owe this alleged debt is another violation pursuant to 15 USC 1692b ( 2 ). Furthermore, Ive attached a cease and desist letter regarding this alleged debt, so there should be no communication regarding me or my consumer report, other than whats being mentioned in the cease and desist letter. I expect my check to be mailed within 30 days. Youre on notice.
Product: Credit reporting or other personal consumer reports

I recently 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 complete understanding that XXXX will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal said that there would be a XXXX hour hold while they reviewed my transaction for security purposes on XX/XX/2022. The confirmation email said the money would be available for my recipient " on or before XX/XX/2022. '' Today is XX/XX/XXXX. The money is still not available for my recipient. Paypal debited my account- {$2000.00} on XX/XX/2022. I can not get in touch with a live person at Paypal
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 XXXXXXXX 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. 

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

I sent out a letter with disputes to this credit bureau on XX/XX/2021 and again in XX/XX/2021 and the outcome from the credit bureau has been to update information on my credit report when they should be removing the tradeline for FCRA non-compliance.