23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We signed up for the XXXX XXXX & at the end of the period, Carrington demanded the full balance due. Four pymts plus fees & interest & stated if we didn't pay in full, foreclosure would be processed. We did a loan modification in order to keep our home & set up autopay payments bi-weekly. They canceled our autopay because of one nsf. Now we can't make a pymt on the website or the app. We've also had issues with Carrington and credit reporting. I made requests to have it fixed but nothing was ever done. Now our mortgage doesn't show on our credit report. We recently discovered that they placed a partial claims mortgage to the HUD. We made pymts every two weeks & funds were not applied to out account. Stats show they were allocated to " unapplied funds ''
Product: Credit reporting or other personal consumer reports

XXXX is also, reporting on XXXX and caine is too!
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX Using information provided by Federal Trade Commission XXXX XXXX XXXX, I tried to obtain my FREE Annual Credit Report from TransUnion. After completing the requested/required information I received " System Error '', " We are experiencing technical difficulties.... ". Then a screen popped up " Thank You! Mark your calendar, so you remember to come back in 12 months! '' With all the problems with hacking in the world today, I would think that someone wanting to make sure that their credit was n't being ruined could expect more than this. 

Is this also a scam, is there really a breach at XXXX, or are the " Credit People '' just trying to put another scare into law biding citizens and trying to get more money out of them by getting them to purchase XXXX XXXX, XXXX XXXX, etc. programs.
Product: Credit reporting or other personal consumer reports

On XXXX I received Documents from all XXXX bureaus Showing dispute results from a fraudulent XXXX XXXX account. All XXXX bureaus say that they have closed the investigations and have results. Now those investigation results don't matter, and that say we are in a loop that could go on forever. I disputed with each bureau in XXXX we are now in XXXX and this company has maliciously resubmitted a fraudulent account onto my credit file without showing any proof, I have been fighting this since XXXX it has been removed 2 times and I have and would never open a XXXX  XXXX account. at this time I am seeking legal advice. This is Not fair. and it was never an account of mine. I am attaching once again the FTC report and accompanying documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  's is not reporting correct balance to Experian, XXXX, XXXX  regarding a closed account that is being handled by XXXX  XXXX  XXXX. I have made several attempts to have the correct balance reflect for {$3000.00}, not {$4200.00} due to XXXX XXXX/XXXX  's. If XXXX  XXXX XXXX balance is {$1200.00}, then my report should reflect it, however if XXXX XXXX  is no longer the account holder this should reflect on Experian, XXXX, and XXXX  Credit Bureaus. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Debt collection

I am formally requesting the removal of this erroneous account from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim.
Product: Credit reporting or other personal consumer reports

For the past six months i have written to all three bureaus asking them to review the inaccuracy on my report one company under two different names they are allowing to report on my credit profile information thats not accurate XXXX and XXXX are the same company the Bureau is allowing them to report debt that isnt mines They allow them to report on my acct when i have never entered into any contract and they allow them to report the same date twice all the company did was change the amount of debt they also allowed them access to my credit file when i have a do not share on file i have security alerts on file Inhave been compromised several times by hackers i asked all 3 bureaus to send me documentation showing what they received that allowed them to allow this behavior and i have told them that i dont have no payments due to these companies Im not late because i have no open accts with these people they reporting so many things wrong open acct, late payments and i have never made a payment or signed any contracts but they do nothing leave on my credit
Product: Debt collection

Rec 'd call from a Mr.XXXX twice now XXXX - approx 1 min. 
Tuesday XX/XX/XXXX - XXXX - Asking me to verify my birthdate - I explained I don't give out personal information over the phone - contact me by email. Identified himself as Mr.XXXX ( sp? ) with Credit Corp Solutions. XXXX - 1 min. 
Wednesday XX/XX/XXXX XXXX - Asked for my name/Acknowledged " XXXX ''... once again identified himself with security services - asked me to verify my birthdate - told him yesterday I don't give out personal information over the phone - asked again who he was with - he said XXXX XXXX - I said don't call me again - I'll contact you. Again identified himself as Mr.XX/XX/XXXX with Credit Corp Solutions. 

After my call to XX/XX/XXXX ( they represent XX/XX/XXXXand recorded conversation ), they explained they would never contact me requesting this sort of information. I called to speak with the Fraud Dept. so they have record of this misrepresentation of their company and services by Credit Corp Solutions. 

I then researched and found this link, verifying there have been multiple violations by this company... and so, now I'm reporting it to you. 
XX/XX/XXXX I have since blocked those numbers on my cellphone. 
Thanks for your assistance and your important work. 

Best Regards, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX has my account sent to collections, but still reporting my account closed with a balance. Please have this account removed from all three ( XXXX ) bureaus as this information is hurting my credit report significantly.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I asked for them to be removed and the bureaus did not do as I ask I am providing an identity theft report that I will attach to this I am requesting them to be removed because they are inaccurate and not mine I attached the inquiries
Product: Checking or savings account

NetSpend was notified of the fraudulent activity on my account. NetSpend also noticed that other cards were linked to my name and social. Debit card was cancelled and I ordered XXXX XXXX rush delivery New cards and disputes were given to all fraudulent charges. Including my missing funds never accredited to my account as the funds were placed else where. Agent at NetSpend informed me that I was going to be a credit for the missing money and tax return as well as the fraudulent charges. The sum of XXXX XXXX 
Five months later I have not received any information or credited balance for the err on their end. They now also refuse to answer my question on complain since I have made report to foc.gov
Product: Credit reporting or other personal consumer reports

My personal information has been compromised in the data breach.
Product: Mortgage

Mr. Cooper requires you to go online to fill out a request for a Payoff Quote. The process ends up in requesting you to either select that you will pay a {$20.00} " preparation fee '' and receive you quote in the mail in 4-6 business days, or you can pay a {$45.00} " expedite fee '' and receive it instantly over the web. This is completely absurd that they're allowed to charge a fee to simply state how much you need to pay them, and is a junk fee that the Biden administration wants to end.
Product: Debt collection

This is a charge from XXXX XXXX XXXX XXXX XXXX for my/my sons stay during XX/XX/XXXX when he was born. I had full insurance through XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX insurance through XXXX XXXX and XXXX. I have contacted the XXXX XXXX XXXX XXXX  XXXX 3 times PER YEAR SINCE XXXX to get this charge dealt with. Every time I contacted them from XXXX I was told that the hospital needed to resubmit the charge to my insurance, when I contacted both Insurance companies I was told that the hospital never did that, but that if they had the amount would be paid in full. Since XXXX when I reach out to the hospital I get ZERO response.
Product: Debt or credit management

I contacted TransUnion and disputed the addresses phone numbers and hard increase on my credit report. They told me I needed to make this report before they. I will let me dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine 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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX  XXXX  or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Checking or savings account

On XXXX XX/XX/2022, Bank of America ( XXXX - XXXX  ) accepted check number XXXX & XXXX check number XXXX in the amount of {$1100.00} payable to XXXX XXXX XXXX This check had been deposited at another bank ATM ( XXXX XXXX XXXX ) on XXXX XX/XX/2022. I have no business or personal banking business with Bank of America. I was made aware of the problem on XXXX XX/XX/2022 and the XXXX deposit was rescinded on XXXX XX/XX/2022. I have attempted to resolve the issue with both XXXX XXXX XXXX and with XXXX XXXX XXXX, without success but have not contacted Bank of America since I do NOT do business with them.

In the interest of transparency, the primary holder of the XXXX & XXXX Account, XXXX XXXX XXXX XXXX XXXX wife. Her XXXX & XXXX Account has been debited for the {$1100.00}. 

Copies of front and back of check with the Bank of America stamp available upon request as well as the duplicate check with the XXXX stamp.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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/year>
Product: Debt collection

Between  XXXX   XXXX  and  XXXX   Portfolio Recovery w as removed from my credit report and after such action was taken it was placed back on my report between  XXXX   XXXX  and  XXXX   XXXX . According to FCRA I must receive written notification of such action being taken. I never received proper notification of this account reaging or of debt being placed back on reports. Also, Ive written portfolio recovery several times requesting validation with my signature attached for alleged proof. To this  date PRA has refused to cooperate and send me the requested information. Failure to respond within the allotted time frame with requested validation, as well as reaging the account with   XXXX   is means to have  this debt deleted immediately from my credit file.
Product: Credit card or prepaid card

I have a an account with Synchrony Financial through their Amazon Store Card. The card offers XXXX XXXX back on Amazon purchases, as well as the option for promotional financing on qualifying orders. These orders allow for deferred interest for periods dependent on the amount of the order. 

When logged in online at https : //amazon.syf.com/, you can manage your account settings. One such setting is the way you want payments allocated. I have since the beginning selected the option to allocate my payments first to the non promotional balance of my account. The option reads as follows : " Any payment you make ( including the required minimum payment due and any additional amounts ) will be applied to the non-promotional balance before the deferred interest promotional balance. Please note, even with this setting, during a billing period in which a deferred interest promotion expires, if your payment is enough to pay off the expiring promotion, your payment will be applied to the expiring promotion first before the non-promotional and other balances on your account. '' Almost every time I make a payment, the payment is instead allocated to my promotional balance. This results in me carrying a balance subject to interest, especially when I do not follow up with the payment. After all, I have made a selection clearly to allocate them to the non promotional balance. I would have no reason to expect it to be allocated otherwise. 

The most recent example was a payment made on XX/XX/2020, before doing so I made sure that my selection was the option I described previously. It was when I checked, but I saved it again to be sure. I made a payment for the exact amount of my non-promotional balance. On XX/XX/2020 I checked and it had been allocated to my promotional balance! 

I contacted customer service chat and had it manually allocated, but they told me gave me several unlikely explanations : that my selection would take 1-2 weeks to process ( even though there was no change ), that it was a technical glitch, and that I had selected a different option. 

Then they told me I would have to have it manually allocated each time, something they have told me before. If that is the case, the page with the allocation options is outright deceitful! 

I am tired of having interest charged or wasting my time on customer service interactions any time I want to make a payment!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY LAST SUBMISSION. THE CREDITORS HAVE STATED THEY HAVE ADVISED XXXX, XXXX and EQUIFAX TO REMOVE ALL REMARKS. I STILL SEE SOME OF THESE AGENCIES HAVING DISPUTE REMARKS! CLEAR THEM FROM MY REPORTS AS IF THEY NEVER EXISTED. HERE IS PROOF THAT XXXX XXXX CARD SERVICES ACCOUNT XXXX AND XXXX  CASE XXXX HAVE STATED THEY HAVE REQUESTED YOU TO REMOVE ALL REMARKS BESIDES THE ORIGINAL PAID IN FULL AND CLOSED ON XXXX AND XXXX DISPUTES CLEAR. XXXX HAS BEEN THE WORST TO DEAL WITH. THEY DO NOT HONOR ANY CORRECTIONS AND THEIR CUSTOMER SERVICE IS THE WORST. THEIR WEBSITE DOES NOT WORK FOR QUICK LINKS TO VIEW DISPUTES. I WILL BE CHECKING ALL OF THESE ACCOUNTS IN A MONTH. IF I STILL SEE ISSUES. I WILL BE LOOKING INTO REPORTING THEM TO THE ATTORNEY GENERAL, FTC, AND SUING THEM. 

IF YOU HAVE FIXED THE ERRORS AND IT TAKES TIME FOR YOUR UPDATES TO SHOW UP. I SINCERELY APOLOGIZE AND THANK YOU FOR RESPECTING MY RESOLUTION.
Product: Bank account or service

Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at XXXX Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter via USPS to Lexis Nexis who is located in XXXX, GA disputing the bankruptcies that are listed on my credit report and also Lexis Nexis report. See the letter attached in the file below. On XX/XX/XXXX, I received a letter from Lexis Nexis stating that the bankruptcy case # XXXX have been removed from my Lexis Nexis report as they were unable to verify the accuracy of the bankruptcy they have listed. Also bankruptcy case # XXXX was also removed from the verified reports. I have attached all letters responding to all of the conversations. I have then proceed to call Lexis Nexis AGAIN in regards to the bankruptcies not removed from my unverified report. Lexis Nexis stated to me that they had 45-60 days to investigate my dispute via company policy. As of XX/XX/XXXX, I was notified that the dispute came back as verified. Verified through where? Lexis Nexis will not state the source of the investigation. According to their own company policy they have 45-60 days to investigate the dispute, which would mean by XX/XX/XXXX would be the deadline to receive a response NOT XX/XX/XXXX. I was told that if the item is not verified by the 45-60 day timeframe it would be deleted. Lexis Nexis refuses to delete this item off of my report. They now state that they have an additional 45-60 days to investigate again. WHAT? We are already past the deadline they have via their company policy. This item is to be deleted. The courthouse does NOT release public information to 3rd party companies and Lexis Nexis can not verify this through their " source '' without my full social security number which the courthouse does not have nor any other source including XXXX. According to XXXX XXXX website they do not have full social security numbers listed anywhere in or on their website and the courthouse does NOT RELEASE information to 3rd party companies which would include Lexis Nexis. How is this item being verified? It's not. It's unverifiable and needs to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to show a paid mortgage of 4 years ago. Even after as paid causing adverse action. YOU continue to show my name as XXXX XXXX XXXX XXXX How XXXX are you? Even after multiple attempts to repair you don't give a XXXX or are totally XXXX  and XXXX. You choose.