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

I'm a victim of XXXX XXXX My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance {$510.00} XXXX XXXX Balance {$1000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} XXXX  XXXX XXXX Balance {$880.00} XXXX XXXXXXXX XXXX Balance {$840.00} XXXX  XXXX XXXX Balance {$51.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$840.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate information on my consumer report and notified Experian via certified mail with proof of my identification and location information. Experian was to initiate a reinvestigation and remove the inaccurate information and it has been more than 30 days since notifying them and they are still publishing the inaccurate information which is a violation of the Fair Credit Reporting Act.
Product: Debt collection

The apartment complex I live in at the Time was burglarized the police came to the apartment complex and arrested the individual. The apartment complex has a copy of the police report. The maintenance man told the manager he saw me leave. The apartment complex illegally added this debt to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX today that my XXXX and XXXX XXXX accounts were negatively effected by a report by XXXX XXXX XXXX. By their accounts, I am it behind, never have been, yet my score drastically dropped. I called and the representative denied it was them, yet XXXX XXXX   shows it is.
Product: Checking or savings account

Bank of America shut my card off and closed my account. The funds on the account were transferred back to Arizona DES all with out anyone contacting me. When I call BOA they say o have to speak with DES, when I call DES they state I need to call BOA. Meanwhile its been since XX/XX/XXXX and no progress on getting my XXXX dollars back.
Product: Debt collection

Im being garnished by LVNV FUNDING LLC, I didnt receive any information for the state of XXXX who allowed the garnishment, I found out because my job sent a letter about the garnishment. I dont live in XXXX but work there im. Im just trying to understand why I was notified and how XXXX can approve garnishment when I dont live in XXXX anymore. I got a default judgement because I wasnt notified
Product: Mortgage

Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, XXXX
Product: Debt collection

I have received XXXX notices from Resurgent Capital Services, XXXX XXXX XXXX, XXXX, SC XXXX, Phone XXXX XXXX stating that I owe a XX/XX/XXXX debt of {$380.00} that was charged at the location XXXX XXXX XXXX, XXXX XXXX NV XXXX for a satellite dish from a company called XXXX, XXXX XXXX 

I received the first notice in XXXX, XXXX and received the XXXX notice today XX/XX/XXXX. 

I called the company when I received the XXXX notice, and told the person there that I had never lived in Nevada and never owned a satellite dish, and that the debt was not mine. 

I have now received a XXXX notice saying the I owed the {$380.00}.
Product: Mortgage

I secured a mortgage through XXXXXXXX XXXX by my first mortgage payment they had sold my mortgage to Pennymac. First payment due date was XX/XX/XXXX. On XX/XX/XXXX I received a NOTICE OF XXXX XXXX UNPAID PROPERTY TAX FOR 2023. The overdue tax was due XX/XX/XXXX and has incurred {$180.00} in overdue fees. I spoke with Pennymac last week and they said it could take up to 14 days for the m to investigate. I also spoke with XXXX county and if the tax is not paid by XX/XX/XXXX, another overdue fee will be incurred. 

Today I received a letter from Pennymac titled " Request for W-9 IMPORTANT TAX NOTICE ACTION REQUIRED by XX/XX/2023 Backup Withholding Warning! '' I don't understand why, with money in escrow for property taxes, they did not pay the tax bill and are now sending threatening letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # 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 a account without my written instructions
Product: Mortgage

On XX/XX/XXXX I logged into my Pennymac account and processed my monthly payment. 
After a few days, I noticed that the payment had not cleared my account. On XX/XX/XXXX I called Pennymac and left a voicemail and my call was never returned. 
On XX/XX/XXXX I called and spoke to XXXX ( ext XXXX ) and explained that my payment from XX/XX/XXXX was not processed and that everytime that I logged in, their website showed " payment processing '' and that no additional action or payment could be made. 

After a long hold time of over an hour, the rep came back on the line and said that the payment was a scheduled payment of two payments ( the current due payment and a future payment ) and they were scheduled for XX/XX/XXXX. 

Pennymac manually processed my payment on XX/XX/XXXX and called it a partial payment, which it was not. 

I explained to XXXX that this was an error on the Pennymac website and that I had properly processed my monthly payment and that their website had made the error/mistake. 

Pennymac called a few days later and said that they were not responsible for the error. 

This simply is untrue. The XX/XX/XXXX payment was made on time. 
Pennymac reported me as over 30 days late to all three credit bureaus- XXXX XXXX , XXXX and XXXX . 

I want the negative reporting removed from my credit report and I want any associated fees refunded for the error.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate credit reporting issue that has caused significant financial harm. On XX/XX/year>, the student loan servicer, XXXX, incorrectly reported a student loanon which I am a co-signeras late. While XXXX has since retracted this erroneous report, the damage to my creditworthiness had already been done. As a result, another creditor took adverse action against me, requiring me to pay all my balances in full, leading to financial losses of up to {$50000.00}. 

Under the Uniform Commercial Code ( UCC ) and the Fair Credit Reporting Act ( FCRA ), both the credit bureau and XXXX hold liability for reporting inaccurate information and the resulting damages. Specifically : UCC 1-203 Obligation of Good Faith : Creditors and reporting agencies are required to act in good faith when handling financial obligations and reporting.

UCC 9-625 Remedies for Secured Transactions : If an entity causes damages due to improper reporting or enforcement, the affected party is entitled to compensation.

15 U.S. Code 1681e ( b ) ( FCRA ) Reporting agencies must maintain maximum possible accuracy in consumer reports.

15 U.S. Code 1681s-2 ( FCRA ) Furnishers of credit information ( such as XXXX ) are responsible for ensuring the accuracy and integrity of reported data.
Product: Debt collection

I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

Hi, I contacted and talked with an agent in the BOA using the mobile app to transfer my credit limit from my old credit card ending XXXX to the new one ending XX/XX/XXXX. I asked the agent to transfer the {$900.00} credit limit from my old credit card to the new one which ends up changing the credit limit of my old credit card from {$1400.00} to {$500.00} and the new one from {$13000.00} to $ XXXXThe agent initially gave me false information and told me that she can not do that as it is impossible to move the credit limit between the credit cards. Since I have done it before multiple times and I knew that it is possible to do this transfer, I asked her again to check if she could do it fact that I was sure it is doable. After holding in the line for few minutes, the agent told me that she could do this and I need to wait for a few minutes to see the changes in my end. I immediately checked my mobile app and I got to know that the {$900.00} is deducted from my XXXX credit card but it was not added to my XX/XX/XXXXcredit card. I told her the situation and she said it may take some time to see the update on my end and she said that she can see the changes on her end. She told me that she can see my credit card limits changed to {$500.00} and {$14000.00} as it was supposed to be changed and she disconnected the call while I was talking. I called after a few minutes that I found that the credit limit in my XX/XX/XXXXaccount did not change to {$14000.00}, and I was told that the first agent just reduced my credit limit in my XXXX account and did not initiate the credit limit transfer but just the credit limit reduce and she did a mistake. The new agent apologized and connected me to her supervisor but both of them tried to request a credit line increase to fix this situation which did not let them fix it. I was told there is another way to fix this error which occurred due to the BOA agent earlier. This credit limit reduction has significant impact to my credit history and needs to be fixed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Bureaus XXXX  Equifax, and XXXX, I have received confirmation from the US Bankruptcy Court Stating they did not furnish my personal information to the reporting agency. I demand to have this Bankruptcy removed from my profile as it is in violation of my rights and they have obtained my information without my consent from public records.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), AND XXXX XXXX XXXX ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Inquiry Wrote a letter to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking them for proof of me inquiring this pull, use of credit or my social security number. Asking them to remove it from All 3 credit bureaus XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX Account # XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Product: Credit reporting or other personal consumer reports

Delete Hard inquiries expirian

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

.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose... 

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 


I Have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. XXXX sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to XXXX and Experian to address the investigative process according to the law
Product: Checking or savings account

On XX/XX/, I deposited a check in the sum of {$15000.00} into my business account, titled XXXX XXXX XXXX XXXX, at TD Bank , N.A . OnXX/XX/2023 the entire amount was made available to me. I transferred the funds into my brokerage account held at TD Ameritrade and made a short sell trade of XXXX securities. This trade added to a previously held position of the same security. On XX/XX/, TD Bank then placed a hold on the deposited check after making it available and after my transfer was made, thus reversing the transfer of funds. This was done with no notice at all. This reversal resulted in a Margin Call on my brokerage account due to the drop in equity. OnXX/XX/2023 the brokerage firm implemented a Margin Sell Off at a loss of {$2800.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 we were advised that our two party collision repair check made out to XXXX XXXX and XXXX XXXX XXXX XXXX in the amount of {$1200.00} was cashed. The back of the check shows 'two signatures '. However, the signature for XXXX XXXX XXXX XXXX was not made by XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX signature was forged. We filed an affidavit of forgery with Wells Fargo on XX/XX/2022 and mailed it to : Claims Assistance XXXX XXXX XXXX # XXXX Wells Fargo Bank XXXX XXXX XXXX in XXXX XXXX XXXX CA. The phone number on the form is XXXX. But when we call that number for an update, we get an automated message that states the number can not be reached. We have reached out to several Wells Fargo XXXX # 's and each one advises that they can not help. Now they are stating that we have to physically visit the branch that allowed the check to be deposited. Which is not possible since it was deposited via a mobile app. No one at Wells Fargo can give us the phone number to contact the Wells Fargo claims department. 
They are also advising that since they did not send us documents with a claim number they can not give us an update because we dont have a claim number ... that they never sent us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a total XXXX discharge on all of my student loans with the department of educationXXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX  to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.
Product: Credit card or prepaid card

Please I would like to fix this error in my credit report. I was never late on this account. This inaccurate information is affecting me. 



I appreciate your help. Thank you.
Product: Debt collection

I made telephone calls back and forth to XXXX regarding this dispute beginning XX/XX/XXXX, XX/XX/XXXX. I called because after looking at by bill I found I was being charged for services and for phones that were buy one get one free. I was also being charged for the free phone. During this conversation, I was also told I was leasing phones and they were to be returned at the end of the contract period. I told the representative I wasn't aware of leasing phones and asked to speak to a supervisor. When the supervisor came onto the phone I explained the same about not being aware of leasing phones. And, I would never lease a phone when phones could be purchased. The supervisor then said, I would not have to return the phones at the end of the contract period and they would be mines. He stated this information would be put into the system and to remind the representative when the time comes of his conversation. Back in XXXX I lost my job and could not continue to pay the bills and the service was disconnected. I called on XX/XX/XXXX and asked for a detailed bill of what was owed. This representative also stated I was leasing the phone and they had to be returned. I explained the conversation back in XX/XX/XXXX The representative said the amounts changed every month and he could not give me that information and suddenly the phone was disconnected after a long wait. I called back 2 additional times and the phone disconnected. On XX/XX/XXXX and XX/XX/XXXX a collection letter was sent to the company 's email address for everyone to see in the company that I owed XXXX money. However, one of the representative stated during the XX/XX/XXXX call, the phones had been disconnected and no additional charges could be added to the billing. As you can see from the attachments XXXX  is still charging me monthly. I don't think it is fair a large business should take advantage of the consumer because they can. And, send letters to a company 's email address for all to see. This company lets you know each conversation is being recorded and I am sure all was said was recorded and they should live up to that. In addition, I should be given an itemized bill as requested. I am also sure the the conversation with the supervisor about me owning the phones was annotated in the system because previous representatives verified the information. XXXX should honor what they say and stop taking advantage of their consumers.