23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposited my paycheck into my checking account. I then checked my account later, and it told me that all the funds from the deposit were available. So I proceeded to transfer money into my joint account with my husband, my savings account and my daughters account. I try to only leave enough money in my checking account to pay the current bills. I checked my account this morning to see I was hit with XXXX overdraft fees at {$35.00} a piece, for a total of {$170.00}. This again over drafted my account. I called to speak to someone over the phone only to be told that even though my account said my paycheck deposit was available, it was not available. So I over drafted my account as soon as I had transferred the money, let alone the purchases I had made that day. I was told there was nothing that could be done as I was enrolled in overdraft protection on my debit card, even though in XXXX I had asked them to remove me from it. So now my husband I are going to be late on our mortgage, among other bills, plus I am worried about just getting food for our kids. I would not have transferred the money if I did not think it was available. If I have ever deposited my paycheck and the full amount was not available, it would tell me {$100.00} available from deposit. Not the full amount, which this time it did.
Product: Credit card or prepaid card

Indigo credit card has 2 accounts listed reporting negatively on my reports impacting my scores negatively. Indigo has 1 account listed as closed because the card was lost prior to me ever receiving it in the beginning and after reissuing the card created a second account on my report and is now reporting negatively showing late payments when the card has been paid in full and has not been paid late.
Product: Mortgage

In XXXX of 2018 I took out a mortgage with a lender and had payment set up at closing. Then my loan was sold/transferred to Amerihome Mortgage. As soon as it was possible I set up autopay with Amerihome and even received confirmation that it was set up. Unfortunately due to reason related to our bank account name not matching the name on the loan ( I had used an LLC name on my bank account ) it was rejected by Amerihome. By the time I received notification I was late on my payment. I then called and attempted again, following directions provided by Amerihome to remedy the situation regarding the names not matching. I provided proof from the bank that the sole signors on the bank account matched the name on the mortgage ( me and my partner ) and was told that this should fix the issue. Again it failed to work and by then I was late another month. By the time I fixed the situation on a third attempt my credit score was severely affected. I called Amerihome about this and was told that it would be in my best interest to file a dispute to all credit bureaus on my own as it would be a faster resolution than if they did it on their end. I took their word for it and almost 60 days later my credit score is still down by nearly 100 points. I have never missed a mortgage payment on any mortgage before this and have worked very hard to maintain a high credit score. I don't dislike Amerihome, I just want my credit score to be returned to where it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights are being violated by TransUnion, with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance .I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I )  and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards. 


I have uploaded my letter. To show proof, that I have mailed this letter to TransUnion. 
My rights have been violated by Transunion in there ability to report inaccurate information on my credit file. I have asked to please, show me how and where is this information is coming from that it can be reported inaccurate?
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft through XXXX XXXX XXXX XXXX XXXX, I recently discovered unauthorized activity related to my personal and financial information. Investigation revealed that my identity was compromised through XXXX XXXX XXXX XXXX XXXXXXXX XXXX customer support. I Notified my bank and credit reporting agencies
Product: Credit reporting or other personal consumer reports

" I have been filing reports since XX/XX/XXXX, followed by submissions on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite my patience and leniency, these companies, along with the CFPB, have failed to correct the inaccurate information on my report, including an incorrect social security number and addresses where I have never resided. 

I am aware that courts rely on factual evidence, which I have been diligently collecting. I approached the CFPB for assistance, but my reports have been disregarded, and the laws that should protect consumers like me have not been upheld. 

Given this situation, I am compelled to escalate the matter. Since the CFPB has not fulfilled its responsibilities, I will be pursuing legal action for all the violations committed by XXXX, Equifax, XXXX, and the CFPB. The damage caused by these inaccuracies has had a significant impact on my children, my livelihood, and me. '' This is also Deframation of my character due to when people pull my report and look at me like I am commiting fraud due to 22 address and wrong SS number etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$540.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} Inquiries : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX 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 Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 I raised a dispute regarding the transaction of {$1000.00} and this was regarding a bed I purchased from XXXX XXXX  store in XXXX on XX/XX/XXXX, I did try to contact the store severa times but they are not wiling to replace the bed or give me a credit regarding this transaction. The Bed is filled with Bugs and is not usable. 

When I raised the dispute I was told that I the dispute will be resolved in 10 business days, and its been more than 10 business days and the dispute is not resolved yet.
Product: Checking or savings account

I have been scammed for XXXX years. These people are person pretended to be XXXX different people. Stealing my identity and putting fake check. Stealing from my XXXX. Stealing from my Coinbase. Lying in order to steal my money. They bankrupt me as I was searching for them and evidence to find them. We have to remortgage our condo. We sold our home several years ago and gained XXXX in profit. We now live in a condo. They threatened to kill me and my family XXXX times. To use my photos against me to blackmail. They threatened to kidnap my daughters. Also sleep with my wife. I went to fbi, detective at the XXXX police department where I lived obtained a police report as shown. I even went to FTC. I even contacted news stations. Lawyers. Private investigators. I have emails and a lot of evidence of everything. I saved XXXX years of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX they are using my accounts from XXXX  XXXX that has discharged and showing and reporting 90 days late causing my score to drop they have blocked any dispute on line and has not responded to any mail in disputes I sent them possible negative that's was on my report and I reported it to you and it disappeared using language signal to creditors what's type of account it is.using certain words on report I have not paid any thing late since I filed my XXXX  XXXX discharge putting loan amounts and showing current lates like I'm recently missed payment latley.
Product: Debt collection

Today XX/XX/XXXX I called a number that was left as a message for me on my cell phone from the previous day. When I called the number and after giving my information the woman stated that I was not to have been given that number but that she would assist me. After placing me on hold she then read me my file that stated they were sending me a summons to my home address for a debt from US bank from XX/XX/XXXX. It was in regards to overdraft bank account. I explained I had previously taken care of this debt in XX/XX/XXXX-XX/XX/XXXX. She replied " yay right. '' When I asked why this was just now being pursued after 11 years she stated that it will be 10 years this XXXX and that the state of Illinois sets that statute. I explained that I had not lived in Illinois in 11 years and I had not heard anything of this debt since it had been taken care of. I also looked on my credit report and there is nothing of an outstanding debt noted on that from the 3 reporting agencies. She told me good luck fighting this and that I would have to fax the information today or I would have my day in court. The total sum she stated that would be garnished from my account would be upwards of {$2000.00} after attorney fees for a balance that she stated was $ 700+. I had settled this debt for a sum of {$550.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Dispute of dispute investigation On XX/XX/2019, TransUnion received my letter and documents disputing errors XXXX made and reported about mortgage payments. The report was investigated and the two late payments were removed. However, two other dates that were showing on time on the pre-investigation report were showing late.
Product: Debt collection

As between XX/XX/XXXX to XX/XX/XXXX, originally they refuse to communicated me via email, per to my deafness and request that we communicated via, and remind them Of American XXXX Act, and eventually they provide me email where i can communicated and reach them, and have receive no response, and i ask several time of proof of ownership, chain title, purchase agreement, and also made threat to damage my credit even further and which they already had. and have not receive anything in mail except letter from compliance team claiming that i am filing frivolous dispute this is regarding with Absolute Resolution Investment LLC, and they also not reporting the account correctly to credit Bureau, as they claim they are not responsible for what credit reporting agencies do. 

to summarize, they have fail to provide proof of ownership and purchase agreement, chain of title, or anything showing that they legally owned debt.
Product: Mortgage

After filing over complaints about the way NationStar Mortgage handled a trial mortgage in early 2016, we agreed I would start a new trial mortgage. On XXXX XXXX, 2016 I was mailed a statement with XXXX potential trial payment. I agreed in writing ( as I was instructed ) to the payment of {$550.00}. On XXXX XXXX, 2016, I was sent a different sheet with different options, since the payoff date was in my lifetime on XXXX, I agreed to a different payoff, IN WRITING and mailed it immediately to NationStar. The amount is {$640.00}. On Wednesday, XXXX XXXX, 2016 I tried to call NationStar when I received my statement and it showed my trial payment as {$550.00}. The hours shown to call are up to XXXX ( and I am in the XXXX. ) No one answered the phone in spite of the fact that I called before XXXX. I called four times. I called XXXX XXXX and spoke to XXXX XXXX. He told me I should have called and told them, even though the letter specifically states that I can put the information in writing. Now, he said they have to open a case and send this to a review board. The trial period is in jeopardy because I did exactly what I was supposed to do. XXXX XXXX could not find the second letter for 15 minutes while I was on the phone. He wanted to know why I would even choose the second, higher amount. I told him I wanted to potentially be alive when my house paid off. I 'm XXXX XXXX XXXX. I was told by a woman who dealt with NationStar that it did n't matter what you did, NationStar would find a way to make the trial period not go through even if you did every thing right and I have. I am very concerned at this point. Instead of them contacting me about the mistake they made, I have to call them next week to make sure they fixed their mistake. I am worried once more that they will try to take this house. I have never had so many problems dealing with a mortgage company. XXXX XXXX told me to always just call, never put things in writing. I do n't know how other companies do business, but that makes no sense to me.
Product: Debt collection

15 use 1666b, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo late payments 15 use 1681a XXXX  this address needs to remove this not my address XXXX XXXX XXXX XXXX XXXX ga XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I found a small charge on my Chime account using my debit card for {$0.00} at XXXX that was debited on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX  I started the dispute on the mobile app and Chime called me for more information on the dispute. I initially spoke with XXXX XXXX XXXX who refused to initiate the dispute unless I provide proof that I did not authorize the charge. I demanded to speak with a supervisor and was transferred to with XXXX XXXX XXXX ( alleged supervisor ). I gave the supervisor the same information. This is in violation of federal law. 

When I informed XXXX that I was filing this complaint, they initiated the dispute. They still demanded proof that I did not initiate or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This vehicle was repossessed and the account was charged off My ex wife fraudulently did this and i want it removed from my credit as it is XXXX up my credit scores Take it off my credit asap
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX  Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. Please find enclosed the following documents to support my claim :. I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT ED/XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT ED/XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT EDXXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act DPT EDXXXX # XXXX, # XXXX and # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, # XXXX and # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

XX/XX/2022 : XXXX XXXX alert about new credit card opened in my name. When I looked at credit report it shows that {$75.00} credit used of {$300.00} limit. 
Called the credit card company and they opened Identity Theft investigation and they directed me to submit complaint here as well. They also mentioned the address to open the account was not the same as my mailing address.
Product: Mortgage

My mortgage got transferred to a new company PNC Mortgage last month. Today, I called to verify that they have received my monthly mortgage payment. I called XXXX times to XXXX and each time the machine says welcome to PNC Mortgage than then HANGS UP THE PHONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 inquiries that I am not aware of, nor did I sign anything to pull my information. 

Credco XXXX XXXX XXXX XXXX  XX/XX/XXXX, AND XX/XX/2022 2022
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 : # XXXX, Harvest Associates Inc : # 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: Mortgage

I have had a mortgage through Carrington Mortgage company for several years. In 2015, I elected to refinance to take advantage of a lower interest rate and that is when my problems started. They refinanced my loan but when they did, they paid my insurance company twice. I did n't catch the error until much later ( when my insurance company issued me a refund check ). When I called the company, they had no idea why my escrow account was short so I was n't sure if that was what actually happened. I agreed to pay additional money so that my escrow could be caught up. Now, this year, it is showing short again by XXXX dollars. When I called them, they admitted they had paid my insurance company twice but when I called my insurance company, they are only showing where it has been paid once. I need to know how to handle this. I ca n't afford to pay more money. Can I make them send me copies of the checks where they disbursed the funds? Please advise. Thanks, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

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