23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have communicated over the last XXXX months the insurance coverage for my condo. Despite the fact, NEWREZ placed lender insurance and did not cancel until XXXX months later. Due to lender placed insurance, and removing the amount from my loan balance, the equity fell short. My XXXX loan payment was increased by {$250.00}. I paid the increase amount thinking that would resolve the issue. However, XX/XX/XXXX payment also shows the increase in my fixed loan payment. I can not pay the additional {$250.00} each month due to the errors and inefficiencies of NEWREZ. My payment is due within XXXX. I am able to make my fixed loan payment but not able to pay the increase placed by NEWREZ due to no fault of mine. NEWREZ placed me in the same position the year prior XXXX. The year of XXXX, I completed the information in XX/XX/XXXX, followup dates were XXXX and XX/XX/XXXX. Each time I received a form letter from NewRez stating it was being reviewed. This went on for over XXXX months to no avail. NEWREZ has modified my fix loan payment from {$1100.00} to {$1300.00} due to their errors and ineptitude. I am a Senior Citizen who has paid the mortgage for years and once my mortgage was transferred to NEWREZ, I have faced these issues. I can not pay the additional {$250.00} due to their incompetency.
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XX/XX/2022. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed quite a few unauthorized inquiries on all 3 credit bureaus, Experian, XXXX, and XXXX. Ive noticed unauthorized inquiries on my report and someone applied for something in my name. I spoke to creditors and bureaus and they refuse to delete the unauthorized inquiries and said I had to wait 2 years for them to drop off my report. 
I am asking for all unverified inquiries EXCEPT XXXX XXXX  ( XXXX  ), CREDIT PLUS ( XX/XX/XXXX ), and ALLY FINANCIAL ( XX/XX/XXXX ) be removed from my credit history. These are the only 3 inquiries that have resulted into an account. It has severely impacted my credit report and history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a Hard Inquiry from Capital One on my XXXX  Credit Report from XX/XX/XXXX. I already have a card with Capital One and have not applied for another one. I have been offered credit increases and I have checked if I was prequalified for a new card with them but I have not authorized a credit check with them since I first opened my card on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by TransUnion, XXXX, XXXX. TransUnion, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX  XXXX Bankruptcy Discharged XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX  XXXX Balance : {$9000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TranUnion : Looking to check into my Credit Score, which I was suspicious of because they asked for a credit card. I figured they were using it to verify my identity? Joined and received an email that they bill me {$24.00} + {$1.00} tax or {$26.00} total. Canceled and called to get my money back as I felt they just stole it from me. The rep said it was clearly marked, but I would get a refund within 10 days. Went back in and the part about that I was joining their credit monitoring service was below the fold in light grey print. Well designed to fool you and an absolute disgrace in business practice. I imagine 99 % percent of people fall for this scam and don't bother to go to the hassle of getting their money back. They should be fined out-of-business.
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Sometime on XXXX, 2020, I received a collection letter from UNITED COLLECTION LETTER BUREAU , INC, trying to collect on an alleged debt with XXXX XXXXXXXX XXXX XXXXXXXX. that is part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 i spoke with a supervisor at Synchrony bank in regards to my XXXX XXXX XXXX account. They stated they would remove the XX/XX/2018 late payment off my credit. I recently had my credit pulled and saw this remark was still on there even after they ensured me it was removed.
Product: Credit reporting or other personal consumer reports

i have accounts on my report i dont recognize and hard inquiries.i believe these are fraud and ive included a idenity theft report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit and noticed a negative account from Convergent Outsourcing in the amount of {$160.00} for XXXX. I have never received an notice about this debt, nor the right to dispute according to the fair credit debt reporting act. I did not owe XXXX a final bill as all bills were paid before the service was disconnected.
Product: Credit reporting or other personal consumer reports

Back in XXXX my car was in a wreck by XXXX it was deemed a total loss I kept making payments on the vehicle until the insurance and my gap coverage paid it off and they still placed a negative mark on my credit by saying I was 30 days late when Ive never paid late. Then they turned around and sent me 2 checks saying that its an overpayment but refuses to take this off my credit so I can get another vehicle. And theyve locked me out of my account so I can get any information
Product: Checking or savings account

XXXX XXXX called me around XXXX and asked me to open a checking account. Around XXXX banks no longer mailed cancelled checks or checks cashed by biller, back to the payer or account owner. They now scan these checks. Santander has debited checks made to biller XXXX who have not signed the back of the check. Also Santander Bank who took over XXXX XXXX accounts is not debiting purchases made with debit master card immediately. Causeing overdrafts. The reason being around XXXX, I opted out of being able to over draft my account with my debit card. These purchases or transactions are supposed to be turned down or cancelled for insufficient funds. Santander Bank told me that I am still opted out of being able to overdraft, but tonite, they have decided to keep a debit card purchase made to XXXX 's on XX/XX/XXXXat XXXX, in pending status, without debiting it from the account balance, which would have prevented other purchases ( that are pending and debited ) from being allowed to go through. Also, Santander customer service assured me that their calculator is never wrong and that purchases are debited immediately after appearing in the account and not held in pending without being subtracted from balance, as is the case now. And if purchases do not show up after being made with debit card, then they were turned down or cancelled purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMERISOL Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, 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 1681XXXX 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 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 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. 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. The following inquiries were also opened under my social security number fraudulently as well. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX, I used Capital One credit card to make a pre-order purchase for XXXX. It was declined subsequently numerous times. Calling the call center, it turns out they deactivated my card without a consent and activated a new card I have not received. A credit card 's principle is reliability in purchasing ability, and Capital One failed to accomplish the very basic financial duties. I asked for a closure of an account or the annual fee waiver, and I got a very bad rep attitude saying I need to call her back after XX/XX/XXXX ( the account closure ) date to process this request. I have been on hold for 3 hours today just to get hold of anyone. The account is currently charged with the annual fee. If this complaint does not resolve, I am willing to take this to a small claims court where my hourly fee will incur.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous fifteen attempts to correct inaccuracies regarding late open accounts on my credit report. Despite my repeated disputes and submission of all necessary documentation, these inaccuracies remain unresolved. 
I have enclosed copies of all relevant documents once again for your reference. These items are incorrect, and their presence on my credit report is causing significant harm to my creditworthiness and financial well-being. I request that you take immediate action to investigate and correct these inaccuracies on my credit report. If this issue is not resolved promptly, I will have no choice but to seek assistance from you and pursue further legal action if necessary. Kindly help me remove the following items immediately : 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 have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX  - OPENED XX/XX/2019 - BALANCE {$1400.00}
Product: Credit card or prepaid card

They closed my credit account with amazon because it hadnt been used in 9 months, I called to try to get it reactivated and explained the only reason I hadnt used the account was I was trying to purchase a home and was advised by my broker to not used my credit before my loan was finalized. My credit has done nothing but increase since Ive had this card, and I had a perfect payment record for over 2 years since opening my account. They did not care and said I would have to reapply if I wanted my account back. Now the account being closed will likely affect my credit in a negative way.
Product: Credit reporting or other personal consumer reports

I recently got my credit report & noticed fraudulent accounts on my credit report I demand these accounts be removed from my credit report they are hurting my abilities to get a loan on a house & obtain credit
Product: Credit reporting or other personal consumer reports

I noticed that within XXXX hours for some reason my credit score has fallen tremendously onSept XXXX. I have been researching all day almost trying to figure out what has occurred or going on. I finally detected it after I gained access to my Equifax to freeze my files. But took the time this evening to investigate even more of my suspicions that I noticed on XX/XX/2024, my XXXX XXXX  XXXX. At first, I noticed that I could not log into my account with my credentials and password. I checked again and it was right. The website looked different and I was so puzzled what are they doing and where is my mortgage information or payments etc. Something was off. 
I was upset and closed and retyped XXXX to access my account. I tried my credentials again and it worked. I began researching why my credit score dropped XXXX points on Equifax then went and looked closer at my data on Equifax.com. I did a free credit report inquiry on myself discovered something verysuspicious and tied it to a text message that first received on XXXX. I could not use my account credentials and password to see what the heck was on this application, I knew something was wrong besides a payment incorrectly applied to my account for XX/XX/2024 that they mentioned they would fix also of {$25.00}. Like how can one make an error saying I still owe when I paid it on full on XX/XX/XXXX of the {$830.00} total. How can one not see that and still have the nerve to produce a XXXX XXXX  statement like I still have an outstanding late fee of {$25.00}. With a statement saying I'm 2 days late. How Indicated at unapplied balance {$25.00} to add to {$780.00} when my monthly mortgage payment without late fee is {$810.00}. 


For the suspicions that my account fraudulentlyhad a loan application opened without my request, I demanded an internal investigation to see what employee or who had access to send me a text message on behalf of XXXX XXXX  which is connected to XXXX XXXX. My ticket number regarding the unauthorized mortgage application XXXX which the Customer Service Agent gave me for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.
Product: Credit reporting or other personal consumer reports

I started a free trial with experian credit to see all 3 scores from their platform. Not only can you not see all three scores as advertised but they have no option online to cancel like you could sign up. When you call and say your trying to cancel there is no optional they only transfer you if the call is for " a certain reason ''. So they have taken XXXX from my checking account and have received no service they promised. I want this account canceled and my money back.