23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXXontacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second report that I am filing against CITIZENS BANK on the same issue. Citizen Bank unauthorized furnished an inquiry on my consumer report. This is a violation of my consumer privacy right is stated by congress in the following : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6803 - Disclosure of institution privacy policy 15 U.S. Code 1681a - Definitions ; rules of construction Failure to respond satisfactorily with the deletion of the above items will result in legal actions being taken against your company for which I also will be seeking {$1000.00} per violation for : XXXX defamation of character XXXX negligent non-compliance XXXX civil liability XXXX mental anguish XXXX. FCRA 15 USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 USC 1681n ]
Product: Credit reporting

XXXX is not my account. Remove immediately. I did not authorize myself to be added to this account. I do not have a XXXX credit card.
Product: Mortgage

Our mortgage payment has increased a by a third. 
Our escrow account is negative $ XXXX The amount going into the escrow from the very beginning was far short of what it should have been. My calculations show that the monthly payment should have been {$200.00} more, which even then we likely wouldn't have taken the mortgage as it is outside of our budget. 

Then in XXXX of XXXX, they refunded us XXXX from the escrow account, putting it in even worse position, but I had no idea at the time that I could tell them to leave it in there and we were very short and needed the money. 

We thought everything was good, only to get an email saying our mortgage might go up. It contained a link going to a video about escrow with no details about our specific situation. The bill following that of XXXX MORE than previous was a total shock. This is AFTER we had to call them because they hadn't taken the XXXX mortgage payment out, and apparently their system wouldn't accept the XXXX payment, so there was no XXXX addition to the escrow payment for XXXX. 

Upon speaking with their representative they told me they underestimated the taxes and insurance. HOW could you under estimate the insurance for the year when I gave you their quote?? Insurance underestimate couldn't possibly have been XXXX short. But that is all they will tell me and I'm on the hook for their inability to do simply calculations. 

I'm frustrated and angry about the situation and am trying to refinance. Apparently no one can do anything about this.
Product: Checking or savings account

I have discovered that my cash app account was closed for no reason on XX/XX/2022. I have contacted customer support on that day and was told an appropriate team will contact me via email on how to resolve the issue I am experiencing. I have not received any communication back since then and no ETA on the email was provided. I tried opening up a new account but it appears I was locked/blocked. I am trying to get answers and to resolve any misunderstanding that might have occurred. I cant get any representative to assist me on the problem and frustration bestowed on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I am writing to dispute the presence of fraudulent accounts on my credit report due to identity theft, as reported on identitytheft.gov. The associated banks have acknowledged the identity theft and agreed to remove these accounts. XXXX and XXXX have already removed these accounts. 
XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I sent a validation of letter to Professional Collectors. I did not receive a response. 

Professional Collectors have been adding fees and/or interest to my medical report. On XX/XX/2023, the amount was {$23000.00}. On XX/XX/2023, the new amount was {$24000.00}. 

Professional Collectors should not be collecting any interest or fees.
Product: Mortgage

To whom it may concern : According to the XXXX I paid for and then the follow up correction XXXX sent on my value ; it has been proved on XX/XX/XXXX of XXXX my home value is equal to {$540000.00}. I have received letters from XXXX bank on steps needed to remedy the situation. In the aforementioned letter it was suggested that I the borrower to remedy the request and remove the PMI would need to pay an additional {$2000.00} to then lower my LTV to below the 80 % maximum. To reiterate, once {$2000.00} has been paid, my Loan to Value ( LTV ) would be at the permissible amount to remove my PMI per my lender, not from my conclusions. In XXXX when this letter was received the principal balance on the home was {$410000.00}. My current principal balance on the home as of the date on the most recent statement XX/XX/2024 is now {$400000.00}. The amount paid to the principal balance was exactly {$3100.00}. Therefore meeting the required payments to be below the threshold of 80 % Loan to Value. This Battle has been ongoing since XXXX of last year with no avail, countless appraisals I have paid for and time lost on this matter.
Product: Mortgage

Hello my name is XXXX XXXX, I live in XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have lived there since XXXX 2007 and always paid my mortgage on time until we had some very bad hardship. I lost my XXXX position which lowered my pay dramatically, we had a new baby, and my wife got sick after delivery. This hardship caused me to become delinquent in my mortgage payments as I could not pay the mortgage. After the years gone by the value of my home were dramatically decreased and it is not worth was it used to before. At this time the home needs huge and costly improvements to get the home to a greater value. New A/C and ventilation/duct around {$17000.00}, new kitchen {$7000.00}, new windows and doors {$4000.00}, cracked foundation $ unknown, paint house outside and inside {$3500.00}, and new roofing {$10000.00} and much more. The costs will be totaling over {$50000.00} in fixing. The home was built in 1960 and is showing the age very much so. The home is not worth what I 'm paying monthly for it and would like to receive a loan modification for this property. Im asking a mortgage payment of {$620.00} a month including taxes and insurance as this is what I would pay and know this home is worth. 
Ocwen offered me an option to pay trial payments of {$980.00} but that is too much for this home and I can not pay this. The amount they offered is only couple percent from what I used to pay and could not pay at the end. 
Please help me receive a loan modification. 
Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Chase Credit XXXX and XXXX Credit Card services this week telling me my address recently had changed on my credit report. When I checked the address, it was not my home address, and I never made a call to request this home address change. I do not know anyone at the address it was changed to and no one else has permission to make such changes or has access to my credit cards.
Product: Credit card

At the end of XXXX, I updated my payment information with American Express ( AMEX ) without realizing that it defaults to " Statement Balance. '' On XX/XX/XXXX, I woke up to find my bank account overdrawn by {$3500.00}. I immediately called AMEX, and they informed me the only solution was to issue a check, which would take over a week to process. I contacted my bank, which confirmed that I didnt have enough funds to cover the transaction so it would fail. I then called AMEX back to cancel the check, and they agreed, telling me to wait for my account to update so I could make the minimum payment. 

However, on XX/XX/XXXX, AMEX attempted the payment again, overdrafting my account by {$3500.00}. I called AMEX again, and this time, I was told that their policy is to retry failed ACH payments up to three times, and there was nothing they could do to stop this. They advised me to place a stop payment with my bank, which I did. 

Meanwhile, I was still waiting for my AMEX account to update so I could make the minimum payment. Finally, on XX/XX/XXXX, my account was updated, allowing me to make a minimum payment. However, AMEX processed the check payment despite our previous agreement to cancel it and I never received any check so in my mind I thought this was canceled, and now my outstanding balance has ballooned to over {$7000.00} when I initially owed only {$3500.00}. 

AMEX 's handling of this situation has been unprofessional. They failed to provide complete information, and their customer service representatives did not listen or update my account properly. Despite being a large company, AMEX seems to lack proper processes for handling requests and communicating effectively. Even my bank has advised me to switch to a different credit card company due to how poorly this was managed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and seen that theres some unauthorized accounts on my report that i am unaware about and I would like them to be removed as soon as possible, according to the FCRA these unverified and unauthorized items must be removed 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 or other personal consumer reports

this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, that Equifax credit reporting agency , block information appearing on my consumer credit report, that is the result of identity theft and fraud within 4 business days of you receiving this complaint This fraudulent, inaccurate, and false information consists of a debt account opened at Texas office attn general on XX/XX/XXXX XXXX under the account numberXXXX with a balance of XXXX this account have resulted in several fraudulent late payments and fraudulent debt appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts debt, or Late payments as reported. The aforementioned accounts, debt, and Late payments appearing on my report. The aforementioned accounts, debt, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, debt, and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud
Product: Credit reporting

I have a paid/resolved tax lien on my credit report. I contacted Equifax to have the information removed per the law that states paid liens should come off credit reports seven years after lien was filed. Was informed by the Equifax agent ( who barely spoke XXXX ), that Equifax adheres to their own internal policy on removal, not the Federal law. Was told lien would be removed seven years after it was PAID, not after it was filed.
Product: Debt collection

1. Asked for Social yet didn't tell why they were calling.

2. They have reached out to others regarding me, I haven't given any other numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sold cryptocurrency ( " XXXX '' ) for XXXX ( United States Dollars ) in the amount of {$280.00} on the crypto.com virtual currency platform. After this transaction was complete, I attempted to withdraw my United States Dollars to my XXXX XXXX XXXX XXXX XXXX Account only to find out that the " Plaid '' app that crypto.com uses to integrate bank transfers " does not Support '' transactions for XXXX XXXX XXXX XXXX XXXX. I then contacted crypto.com customer support to request that they manually initiate an ACH transfer to my XXXX XXXXXXXX XXXX  Account since the " XXXX '' app that they use does not support my bank and they simply told me to " try a different account ''. At this point I repeatedly told various customer service representatives at crypto.com that I don't have another account and they need to initiate an ACH transfer or get me my money in some other manner and they simply repeated the same line of " try another bank account ''. Therefore, I am filing this complaint so that consumerfinance.gov can direct crypto.com to either initiate a manual ach transfer to my bank account or find another way to grant me my money. As a note, crypto.com 's documents regarding why a bank account may not be able to connect to crypto.com only list two reasons with those being 1. the bank has a New York state address and 2. the bank does not support ACH transfers. My bank is not does not have a New York XXXX address ( it has a Pennsylvania address ) and it does support ACH transfers. Therefore, no one would have any way of knowing which banks are supported and which are not before conducting financial transactions. I will attach a screenshot of this verbiage from their website for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several wrong names, misspelled or incorrect, as well as wrong addresses-I submitted a house bill and my drivers license as proof of the correct name and address. 
Within 2 weeks, Transunion sent me a letter saying that I needed to verify my Social Security number. I called the number on the letter to complain that I had submitted the necessary documents to have my acct updated. The agent said everything was correct on my report except one name that was reporting. I asked for a full report of my credit report and all of the addresses and names are still reporting on my report. Names reported as of XXXX on XX/XX/2022 are XXXX XXXX XXXX- this name belong to me XXXX XXXXnot me XXXX XXXXot me I am trying to clean my report and TransUnion is making it very difficult. Their unwillingness to cooperate is costing me many missed opportunities and suffered losses, including a better job. 
Also XXXX XXXX is reporting on XXXX and XXXX as paid, closed never late and in good standing. TransUnion is reporting this account as delinquent. I called the company to speak to XXXX in billing who explained that she did not enter this on my account and that she marked the account as it is reporting in XXXX and XXXX.
Product: Debt collection

I received a letter to collect a debt of the amount of {$50.00} from Credit Collection Services ( CCS ) on XX/XX/year>. This was the first notice that I received regarding this debt from both CCS and from " XXXX independent insurace '' who sent the debt to collections. Had I known of this outstanding debt, I would have paid it down fully immediately but I had no prior notice. I asked if the debt could be removed with payment today ( XX/XX/year> ) and I was told that it would not be removed. I don't feel this is fair considering I am just now finding out about it and it should be removed from credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the TRANSUNION and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$990.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX  XXXX {$1400.00} XXXX   XXXX XXXX {$200.00} XXXX  XXXX XXXX {$56.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX CARD SERV – partial account number XXXX.  (Please see page 3 of the attached credit report.)  I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account.  In addition, this card belonged to my mother who has since passed away.  They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my credit report.  I have contacted the bureau to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with XXXX, Transunion, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of Ed XXXX they did not have any information on my account because they so-called transferred the account to XXXX which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of Ed XXXX ignore me, XXXX keeps on dropping my score for no reason it has not even been 30 days like they claim. XXXX pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.