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

Unable to access my credit report due to a phone number being on account want allow me to pass two step verification. I have contacted technical support and customer service team and unsuccessful with getting anyone online to assist. Also, unable to process a dispute because Im not able to pass the two step verification process.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to GLOBAL LENDING SERVICE about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX XXXX. 
My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days since I have sent my letters which means these accounts have to be removed due to many inaccuracies and I have not been notified of the results with the disputes within that 30 day timeframe. Remove this items immediately!
Product: Mortgage

I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.
Product: Mortgage

I am currently selling my home and the mortgage service, provider, stalled in providing me the correct information requested in the notice of error. I have requested via email to close my escrow account with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax have consistently violated my federal rights for going on over a year now. It has gotten to the point I have had to hire a lawyer. I have tried to communicate directly with XXXX, XXXX and Equifax and show them in writing where they have violated federal law and still they have refused to acknowledge these laws. The federal laws XXXX, XXXX and Equifax has chosen to ignore are 15 USC 1681b as well as 15 USC 1692g. I have sent certified letters, I have sent screenshots of the laws they have violated, I have asked for proof which is required according to federal law, and they still have not complied. I advise XXXX, XXXX and Equifax to cease and desist collecting and reporting the accounts until they have provided and supplied the full, thorough details surrounding their reasoning for keeping the accounts on my report against my wishes as a consumer. This is not only harming my credit report, it is also harming my chances of owning a home. XXXX, XXXX and Equifax should not be allowed to get away with breaking federal law and that is why I am here in hopes that these accounts be removed from my credit report. Once their reinvestigation is complete, I would like for XXXX, XXXX and Equifax to mail me a copy of my new and updated credit report pursuant to 15 USC Chapter 41. 

Creditor : 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

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, XXXX, and XXXX 

Additionally, I recently discovered that XXXX payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXX withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the XXXX  on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX regarding the XXXX  or the unauthorized payments. Furthermore, I have faced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.
Product: Vehicle loan or lease

My account shows Negative even though all my payments were made on time. 
It for a Lease with US BANK for a brand new XXXX XXXX XXXX   XXXX color. 

I would like the negative to go out as it is affecting my credit score badly
Product: Mortgage

I applied for a equity loan from Navy Federal Credit Union of {$20.00} XXXX dollars on XXXX XX/XX/2023 with my home having over {$240.00} XXXX dollars of equity, but I was denied of the {$20.00} XXXX dollar equity loan, I really feel Navy Federal Credit Union use misleading loan tactics to disapprove XXXX  Americans equity loans. Im really disappointed with Navy Federal Credit Union and I have been a real loyal customer for a long time I really feel violated and discriminated against because of the XXXX  of my skin!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in letters to the credit bureaus asking them to verify some inaccuracies on my consumer report and I have yet to receive a proper response explain how were they able to verify some accounts that do not belong to me. It has been well over 45 days since I sent in the letters and I feel like I am being taken advantage of. I will take this matter to court and file for litigation if necessary. Please help me with this matter. These inaccuracies are holding my life up.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Pulled a copy of my credit report and this item was disputed and still appearing on my Equifax credit report. I never received validation from the original creditor. Reached out to the creditor and they have record of the account.
Product: Checking or savings account

In 2006 I had an FHA mortgage from Chase Home loans. My wife passed away and the day of her funeral the house was robbed. I filed a claim with my home owners insurance, but never received the check. While searching online I found that i had unclaimed funds from that robbery. The check is listed in both my name and the mortgage company. I contacted them several times over the past 6 months and finally received a form letter from them stating that they could not release the funds due to the foreclosure. i am attaching a copy of the unsigned form letter received from them. They never stated that I owed them money only that it was a foreclosure.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX All companies have furnished information when I never authorized permission to run my credit I have no open accounts with these companies and demand these inquiries be removed expeditiously. 

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

I am writing to inform you that I am a victim of identity theft resulting from a recent data breach. Fraudulent accounts and inquiries have been listed on my credit report without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have requested nemesis of request from the company several of time they would ask for my information to get into my account once they receive the information they dnt respond bacc or they cant help me any more I tried the XXXX number but it keep on hanging up on me
Product: Credit reporting or other personal consumer reports

I would like to request a review and update all my credit reports in accordance with the information reported by XXXX, Equifax, and XXXX. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never ever had an account with the account associated with Jefferson Capital. I believe that they were sold a collection account that I had nothing to do with.
Product: Checking or savings account

My bank froze my checking and savings account and with no explanation. I can not access my funds in my checking account at all, which I survive on. I tried calling them but they never let me speak to a representative and tells me to leave a voicemail with my information and they might called me back if needed. I dont know why they said they " might '' call me back because this is an important situation that is impacting my life directly. I called them a few weeks ago to help open a checking account and was able to speak to a representative easily. Matter of fact I spoke to more than one in the short amount of time I tried to find one. I have called countless times, to which it prompts me to the automoated message of a woman who tells me to leave a voicemail. I am barely surviving right now with the funds from my XXXX where I get my paycheck from work.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for auto loan refinance options and applied to some companies like XXXX XXXX XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : XXXX. ) Pentagon FCU XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX  These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.
Product: Credit card

Made a dispute to Equifax, XXXX XXXX and XXXX about the Fraudulent accounts was applied in my name with out my consent I did not apply for the following accounts these are not my inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still have not received a response
Product: Debt collection

The Franklin Collection Service is trying to collect on a debt that I had from XXXX in the amount of {$450.00} that was settled and paid through another collection agency, XXXX XXXX XXXX for 50 % of the balance in the amount of {$220.00} on XX/XX/2020, and is refusing to review and remove this debt from my credit report. I have sent XXXX, XXXX, and Franklin Collection Services all of the settlement and resolution documents through multiple disputes with all three agencies for the past three months that prove I have resolved and paid the creditor XXXX debt, and all three are refusing to remove this item from my credit report. Originally, this debt was being collected upon by two separate collection agencies, XXXX XXXX XXXX and Franklin Collection Services, and XXXX XXXX XXXX was the agency that I chose to work with to clear this debt. Ironically, XXXX  and XXXX  both accepted the resolution documents to clear the XXXX XXXX collection account and remove it from my report, but are failing to see that this is a duplicate collection account on the same debt from the same utility company even after I have explained it clearly. I provided the contact information of the representative " XXXX XXXX '' of XXXX XXXX XXXX, the confirmation number of my transaction and the account summary that names the creditor, myself, and the request to all credit reporting agencies regarding this account be deleted or removed from their records. I feel that Franklin Collection Services are continuing their actions due to I chose to work with XXXX XXXX XXXX and not them and are illegally trying to force me to pay this debt twice through strong arm tactics with my credit report through XXXX  and XXXX  that I have no control over which both XXXX and XXXX  are assisting Franklin Collection Service in doing so. Even after all of my attempts to follow all of the proper disputing steps of each agency to do my part in resolving my debt, Franklin Collection Service, XXXX, and XXXX  have ignored the facts that I have provided before them and are continuing to work together to continue to collaboratively inflict negative credit damage to a consumer that has been following their posted credit repair procedures.
Product: Credit reporting or other personal consumer reports

I always paid this loan as required. 
I paid the last payment and XXXX sent it back 3 times causing the problem I paid the loan off in its entirety
Product: Mortgage

Account Number : XXXX Property Address : XXXX XXXX XXXX XXXX, OH XXXX Dear Customer ( s ) : SPS has received correspondence that we believe may be a request for assistance, or you submitted a Request for Mortgage Assistance Form ( RMA ). Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option you selected on the RMA.

SPS may be able to help you with an alternate resolution option. Please contact us for details. 
If you have any questions, your assigned Relationship XXXX, XXXX, can be reached toll free at ( XXXX ) XXXX x XXXX or by email at XXXX. 
Notice of Error or Information Request If you believe there has been an error with the account or you require additional information, you may send a written Notice of Error or Information Request. All Notices of Error or Information Requests must be sent in writing to the address listed below, as this is our exclusive address under Federal Law for these matters. If you send your correspondence to any other address, it may not be processed in accordance with Federal law. 
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Equifax and XXXX  with inaccuracies that they are reporting on my credit report. I have sent screenshots of the updated report from XXXX  to XXXX  and Equifax so that they can follow accordingly. XXXX and Equifax have not updated my credit report. They are ignoring my notices and I have resulted to complain on both XXXX  and Equifax as a result. I'm informing them that the inaccuracies that they are reporting are not the same and need to be removed from my credit report. I am providing screenshots of my XXXX  report to show that XXXX  and Equifax need to remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I identified inaccuracies regarding late payments reported on two accounts for which I have consistently maintained timely payments. As Consumer Reporting Agencies are entrusted with ensuring the accuracy of consumer information, it is essential that all reported data reflects the utmost precision. 

The accounts in question are as follows : XXXX XXXX  : Account Number ending in XXXX XXXX XXXXXXXX XXXX XXXX  Account Number ending in XXXX I have never missed a payment on these accounts and request a thorough investigation into these discrepancies. To support your findings, I ask that you provide evidence, such as account statements, verifying the reported lateness of these payments. 

If you are unable to furnish such proof, I respectfully demand that the records for these payments be promptly corrected to reflect their accurate status as on-time. I have consistently fulfilled my payment obligations without delay, and it is critical that my credit report reflects this commitment. 

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

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Robocall for Credit Bureau stating that they would offer a card to help reduce my debt. I pressed 1 to talk with a person. When I got someone on the line, I asked to be taken off their list and they said no. I repeatedly ( at least 5 times ) asked to be taken off and they kept saying no. When I asked why, they said they didn't know. I asked to speak to a supervisor and the person said that they were the supervisor. I asked to keep speaking and they said they were the owner of the company. I asked again to be taken off, and they said " N-O. Do you not know what that means? '' I finally told them I would report them and hung up.
Product: Mortgage

I was notified by OCWEN that my property taxes had not been paid. I called the company and explained to them that I was not required to pay taxes due to a new law passed by the governor. I provided them with all the paperwork and documentation via email @ XXXXXXXXXXXX. I did n't hear from them about the issue therefore I called and spoke with someone. I was informed that nothing had been done with the paperwork. The rep indicated the issue was going to be escalated up. When I called by a few days later I was told that they spoke to my assessors office and they were told that I was not fully exempt. I then provided them with my tax bill from the assessor office that showed I had a XXXX balance. OCWEN has requested a refund but still requires me to pay and escrow.