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

Subject : Dispute of Unauthorized Inquiries Dear [ Credit Bureau Name ], I am writing to formally dispute several recent inquiries on my credit report that were made without my knowledge or consent. These unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX- Finance/Personal - XX/XX/year> XXXX XXXX XXXX XXXX XXXX Finance/Personal - XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX Finance/Personal - XX/XX/year> XXXX XXXX XXXX XXXX XXXX Finance/Personal - XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/year> I have already reported this matter to the identity theft authority and have filed a report regarding this issue. I am concerned that these inquiries were made as a result of identity theft or fraud. 
Please investigate these unauthorized inquiries and remove them from my credit report. Additionally, I would appreciate confirmation that these inquiries have been removed once your investigation is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/year>, The mortgage company ( Freedom Mortgage ) put an Escrow fee of {$110.00} on my monthly payment. They demand me to pay {$13.00} extra each month including into my mortgage payment. To avoid late fee and deliquent notice I went ahead and pay the fee and I dispute the fee after that. I requested them to tell me where this fee comes from. The said they will investigate and will repond back to me no later than XX/XX/year>. But they never heard from them about the issue. 

In previous XXXX years, they put escrow fees on my mortgage, I disputed them, and they removed the fees out. This is the XXXX time, They never get back to me. 
They warns me If I don't pay the fee along with my mortgage, they will force late fee on my mortgage payment and followed by a deliquent notice, and they will report to Credit Report agency. 

I have been paying morgage, tax and insurance on my own. I never used or open an escrow account for any service. Please look into my complaint and stop Freedom Mortgage from charge faulty fees on me. I am under emotional stress every time this happens and cost me many hours to solve the issue. They do it every year.
Product: Debt collection

Company added a debt collection to my credit report. I have requested documents stating I owe this company as I am unaware of the debt. I have received a text message but nothing in writing. Please remove this debt from my credit report.
Product: Consumer Loan

Loan was a paid off and it is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.
Product: Checking or savings account

Hello, i had a Citi Bank checking account and Credit card from costco. I went to local XXXX branch to send wire about {$5500.00} To XXXX for a Apartment of mine, and the bank closed my account syspecting me of terrorist financing. First day closed my checking account then they closed my credit card from Costco. Also i just read that Citi targeted XXXX-Americans as " bad guys '' according to the article here https : XXXX? XXXX & XXXX It all makes sense now why they would portray my wire to XXXX XXXX as XXXX funding. 
Attached is the wire information and the date that it happened. Please follow up.
Product: Mortgage

Spoke to XXXX XXXX XXXX, 2025 Loss Mitigation Lakeview she told me sale is cancelled. Transferred to Escalations XXXX XXXX, 2025 spoke to XXXX XXXX the Leader Resolutions Group he stated the cancellation should have been canceled. He advised he would make sure this is done immediately, he would also alert XXXX XXXX XXXX XXXX XXXX to remove from their foreclosure listings. Foreclosure for my home is still listed XXXX XXXX. I have made XXXX mortgage payments
Product: Credit card

I purchased some clothing from my children from XXXX Order number # Online # XXXX. I used Afterpay to make the payment. The order was never received. I open a dispute on XX/XX/24 explaining to Afterpay that my package was never received. I sent them the tracking number and the details to reflect that the order was never received. They never responded. Theres no contact information such as a phone number for the company. I sent messages and Afterpay did not response. It wasnt until I filed a complaint is when they responded and they responded with a generic statement stating that they will investigate. Afterpay did not investigate the charges and still took money out of my account. I had to dispute the charges with my bank and change my debit card. No more communication with this company since. They sent out a generic statement stating that I am responsible for the payment despite never receiving the order. They have done nothing to XXXX to try to get my money back. They havent sent out any correspondence to XXXX They just expect for their customers to pay for good that wasnt received. They cant report my non payment/ this dispute to the credit bureaus because I have evidence that supports me never receiving the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The TransUnion Credit Bureau is reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. 
Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. 
Thank you.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Customer Service Department XXXX XXXX. 
[ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] Subject : Formal Complaint Regarding Lack of Transparency and Accountability in Trade Line Termination Dear XXXX XXXX. Customer Service, I am writing to formally express my concerns regarding the abrupt termination of my trade line with XXXX XXXX and the apparent lack of transparency and accountability associated with this decision. My account has been a vital part of my financial management, and the way this situation has unfolded raises significant concerns. 

On [ XXXX ], I submitted a payment that I believed would uphold the terms of our agreement. However, I was subsequently notified that my trade line had been terminated due to what was described as alleged adverse action taken against my account. This initial reasoning was unhelpful and vague, leading me to seek clarification. 

After the XXXX XXXX cutoff for results regarding my termination letter, I received an email stating that the basis for my accounts termination was due to my credit file not being found. This explanation raises significant concerns regarding your companys procedures and the reliability of information sourcing. The only plausible explanation for this situation is a failure on the part of EQUIFAX, specifically regarding the management and maintenance of my credit file. 

To compound matters, I must highlight the further injury this situation has caused. Upon the initial reporting of my XXXX XXXX tradeline, my credit report, score, and overall standing were adversely affected, causing my rating to drop from good to fair. This significant impact on my credit profile was distressing. Therefore, the resulting termination of the trade line within a couple of months has the potential to further damage my credit report and standing. 

The lack of clear communication and factual grounds for my account 's termination is unacceptable. As a customer, I deserve to understand the precise reasons behind such critical decisions affecting my financial standing, particularly when they stem from potential errors or negligence from a third-party credit reporting agency. 

Therefore, I request a thorough review of my account termination. I urge you to provide me with a detailed explanation of the grounds for the termination of my trade line, including any documentation utilized in the decision-making process. Additionally, I seek clarification on how XXXX XXXX intends to address and rectify this situation, as it has a significant impact on my credit profile and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I recently submitted disputes letters to Experian, XXXX and XXXX XXXX like a credit repair company.I sent those letters out personally. I'm not a credit repair company.I just want them to reinvestigate my accounts that I attach below to make sure the account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING A ACCOUNT WITH EXPERIAN SINCE XX/XX/2021. EXPERIAN REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX  AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXX  AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT EXPERIAN IS ABLE TO " VERIFY ''.
Product: Student loan

This in follow up to complaint XXXX. ( I don't see an option for supplementing existing complaints so I have created this new complaint. ) I requested information from AidVantage on my XXXX XXXX XXXX XXXX AidVantage has, to date, refused to comply. I then filed a complaint with you. AidVantage has now locked me out of my online account ( apparently in retaliation for filing a complaint ), so I have no access to any information on my loans. I have no way to manage and pay my loans. I have called AidVantage numerous times to unlock my account, but simply get put on a repeating message loop telling mer to log into my account. 

I am now in the position of going money to lender that refuses to provide me basic information about my loans and refuses to give me access to my loans. 

I am concerned about the negative effects of being unable to access/manage/pay my accounts ( in addition to the widespread reports of loan servicing errors ). 

Please help me with these predatory and lending actions.
Product: Mortgage

Aurora Loan Services was the servicer of my loan in XXXX. XXXX XXXX purchased my loan from XXXX XXXX XXXX XXXX in XXXX. At the time this purchase was made, there was no assignment of the mortgage & or the note to XXXX XXXX or XXXX or Aurora in the county records. It is Florida state law that these records are to be recorded in the county records if transfer occurs of a loan. The mortgage and the note are to be kept together at all times. When Aurora purchased the loan from XXXX XXXX XXXX Mortgage, an assignment of mortgage mysteriously appeared which was predated back to XX/XX/XXXX. The assignment alleges that XXXX XXXX XXXX, XXXX F/K/A XXXX XXXX XXXX was the assignor and Mortgage XXXX, XXXX was the assignee. This document was not recorded in the XXXX County records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. The document was recorded by Aurora Loan Services and prepared by a known robo-signing and false document mill by the name of XXXX XXXX. The document states that it should be returned to Aurora Loan Services after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to Aurora Loan Services ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for Aurora Loan Services. At the time this document was prepared and signed, XXXX XXXX XXXX XXXX XXXX, had in fact been defunct for 2 years. When this document was recorded, XXXX aka Aurora Bank FSB fully purchased the loan from XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX and XXXX, llc have never been a member of XXXX and would not have had the authority or the membership to assign my mortgage to XXXX in XXXX. It is obvious that this is a fabricated document and there are XXXX DIFFERENT companies involved on XXXX assignment of mortgage. After this occurred the loan was securitized and there were several other servicers servicing the loan. Then, in XXXX XXXX BANK XXXX decided to buy the loan back and serviced the loan from XX/XX/XXXX to XX/XX/XXXX with a completely different loan number. In XXXX XXXX filed bankruptcy, so why the sudden interest in my loan? Aurora Bank FSB F/K/A XXXX bought back my loan from the trust and then sold the servicing rights only to Nationstar Mortgage, LLC so it could fund itself? XXXX governs the sale & securitization of a negotiable instrument. Once the asset is sold, the bank is no longer the REAL PARTY in interest. Aurora Bank FSB bought the mortgage and note XX/XX/XXXX. I have requested information from Aurora in a QWR and I have been refused the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019 my credit report shows inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX. I have no knowledge of these inquiries and would like for you to remove them from credit profile in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.
Product: Credit card

On XXXX I called Chime and prompted until I was finally able to reach a live person. Informed that I received a card at my address with my name and that I never applied for a card. Person took my info and I got switched to the fraud department. Fraud department insisted on my last 4 ssn for verification, refused to supply. Finally agreed to close account after I gave them account number from form attached to the unsolicited card and my email. Emailed was received stating that account for card was closed and that they will no longer do business with me. Really.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}
Product: Money transfer, virtual currency, or money service

PayPal is scamming me!!! Please Help! See the attached documents to access all the games & failed attempts to rectify this issue. The phone reps are very rude and condescending. I have been dealing with an ongoing issue with PayPal denying me the ability to deposit my money into my own bank account for some time now! I have made numerous attempts to rectify this problem by calling in and speaking with reps after reps and supervisors after supervisors! Although dated back for quite some time now, my most recent experience is when I was sent a return of {$5000.00} to my account on XX/XX/2022 after the initial recipient was denied access to deposit it. A transaction fee was immediately taken out of my account both sending and receiving these funds, leaving my balance at {$4400.00} after initially charging my card {$5100.00}. Very frustrated, I proceeded with the transaction and chose the withdrawal option to transfer the funds from my PayPal balance and back into my bank account where I had to replace the funds from the denial thru PayPal. I was given two options : instant transfer or standard. I chose the instant transfer and immediately was greeted by a Transfer Delayed page. Shortly after, I went to my PayPal activity and saw the transfer has been denied. I called PayPal who told me that it had to undergo an underwriting process, and it will be approved in 24-48 hours. On XX/XX/XXXX, I called back again and again because the transfer process didn't go through and the only thing theyd say is for me to just try it again and wait... I spoke to a supervisor and was told to call my bank. I immediately called my bank and was told that they didn't see any transactions pending or attempted on their end. I then called Paypal back again to speak with a supervisor. After a few failed attempts to reach a higher up and when finally speaking to a supervisor, I was told the reason that I was having such issues was because my PayPal name did not align with the name on my bank account. I was walked through how to change my name at least 3-4 times and was told to give it three or so days and everything will be updated and the money will be transferred into my account. It is now XX/XX/XXXX and nothing has transferred into my account. I called in again and again to speak to reps after reps to rectify this issue to no avail. Looking at my PayPal activity, I have realized this has been an ongoing issue for some time now and I usually get frustrated and leave the funds within the PayPal exchange and incur fees sending and receiving. In the past, every time I try to withdraw money, it was always denied. This has caused me a great deal of stress especially being that PayPal always encouraging consumers to use their digital wallet for instant and easy transfers. Please pull my recorded calls and listen to how I have been spoken down on and ran around again and again being called next to crazy during my pleas for help with this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I returned my leased XXXX XXXX XXXX to XXXX XXXX before deploying for military service. The vehicle had a recorded mileage of XXXX at turn-in, with an allowable mileage of XXXX. Subsequently, XXXX XXXX assessed wear and tear charges totaling {$1700.00}. 

On XX/XX/XXXX, a Turn-In Settlement Invoice was reportedly sent to my previous address. However, due to my XXXX  and change of residence, I did not receive any communication or notification about these charges. Despite my lack of awareness, XXXX XXXX charged off the balance on XX/XX/XXXX. The account was then sent to a third-party collections agency on XX/XX/XXXX. 

In XX/XX/XXXX, this charge-off was reported to credit bureaus, negatively impacting my credit report. At no point was I notified of any late payments or the charge-off prior to this. When I became aware of the issue, I requested a 1099-C for the charged-off debt, but XXXX Credit informed me that it was not required.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$3000.00} Reported balance Credit limit {$2500.00} XXXX  XXXX Last reported XX/XX/2023 $ XXXXReported balanceCrediXXXX limit {$3000.00} XXXX XXXX XXXX  Last reported XX/XX/2023 {$570.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/2023 {$710.00} Open balance {$750.00} 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: Debt collection

LVNV Funding LLC has not provide me with the information requested and is currently reporting inaccurate information on my XXXX and XXXX XXXX consumer report which is hindering me from obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being.

I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and i DID NOT give Equifax written permission to furnish these accounts. 

ACCOUNTS Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDXXXX XXXX Account number : XXXX Account name : US DEPT OF EDXXXX XXXX Account number : XXXX Account name : unknown Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Student loan

Online portal to repay loan is not working. They have no alternative suggestions on the website and customer service is not responding.