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

Date : XXXX XXXX Sent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. 
Violation of : Fair Credit Reporting Act Privacy act of 1974 Fair Debt Collection Practice Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX  XXXX Balance Owed : {$6100.00} ; CXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$500.00}
Product: Money transfer, virtual currency, or money service

I am having issues with Google I have a balance of  XXXX  on my account for purchasing  Google play  cards in the last week I have had my account closed are I purchased these and redeemed them upon doing so I made a new account and had the money switched to another account in which they closed it as well I have been on and off the phone trying to get my money refunded back and I 'm being told they wo n't give it back I was stolen from to begin with which is why they say they closed it initially I understand that but I made a new account and they still closed my account and are unwilling to return my money back to me I feel this is illegal for them to keep purples money like this I should not be penalized for someone having my account
Product: Credit reporting or other personal consumer reports

According to FCRA this creditor has violated my rights. Under 15U.S. Code 1681 section 602 states I have the right to privacy. 15 U.S. code 1681 section 604a section 2. states that a consumer reporting agency can't provide an account without the consumer 's written instructions Under 15U.S.code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

This complaint against Champion Mortgage concerns questionable business practices when a reverse mortgage becomes due, and seeks answers from their upper management. 

My Mother had a Reverse Mortgage with Champion Mortgage. When she passed away on XXXX/XXXX/16, she owed Champion about {$120000.00}. With her house at XXXX XXXX XXXX XXXX, XXXX, CT XXXX valued at about {$270000.00}, our plan was to sell it and pay off the mortgage. 
After the funeral and spending some time organizing myself to deal with my Mother 's estate, I contacted Champion Mortgage on XXXX/XXXX/16. I was told that by XXXX/XXXX/16 I needed to provide the following : Copy of the Death Certificate Copy of the Will Letter of Intent to Sell the House Listing Agreement with Real Estate Company/XXXX. 
On XXXX/XXXX/16 I mailed the first XXXX documents to Champion, and stated in the Letter of Intent " We are working with XXXX XXXX of XXXX XXXX XXXX XXXX to get the house listed as soon as practical ''. On XXXX/XXXX/16 I contacted Champion again after having signed the Listing Agreement ( document # XXXX ), and our real estate agent XXXX XXXX sent it to them as an e-mail attachment later that day. 

Within a few weeks we were fortunate to receive and accept an offer for the house for {$270000.00} with a closing date of XXXX/XXXX/16. Much to my surprise, I received a letter from Champion Mortgage dated XXXX/XXXX/16 stating " your loan was referred for foreclosure processing today ''. I e-mailed Champion on XXXX/XXXX/16 asking what the heck was going on, provided them with the sale and closing date information, and stated emphatically that I wanted to hear back from them. I received no reply ; they seem to deal only in form letters. 

On XXXX/XXXX/16, with the closing date of XXXX/XXXX/16 imminent, Champion included a charge of {$3000.00} for " Attorney Fees and Cost '' in the Loan Payoff document they submitted to our attorney. I spent the entire afternoon of XXXX/XXXX/16 going back and forth via e-mail and phone with our attorney, our real estate agent, and Champion. Champion claimed that they had not received the Listing Agreement, and therefore were entitled to {$3000.00} as the cost of initiating foreclosure. To make a long story short, it was proven to Champion that they had in fact received the Listing Agreement on XXXX/XXXX/16, and the {$3000.00} charge was dropped. 

Various business practices that were followed by Champion on this reverse mortgage once my Mother passed away were very troubling to our family. Perhaps their very aggressive approach has become an accepted way of doing business, but to me they lacked both the professionalism and decency that I would expect from any bank or mortgage company.
Product: Credit reporting or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. 
MY CREDIT SCORE HAS THE WRONG REPORTED AMOUNT FOR TARGET AND IT DROPPED MY CREDIT SCORE. 
I CAN NOT AFFORD IT ANYMORE FOR HARDSHIP AND ASKING FOR PAYOFF AMOUNT. THEY WILL NOT HELP OR TAKE OFF LATE CHARGES WHILE WAITING TO RESOLVE ACCOUNT IDENTITY THEFT ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an Alert from my credit karma account and they said the my score dropped 73 points because Equifax is reporting my mortgage as closed/sold or transferred. It's my XXXX XXXXXXXX account XXXX is how it reports on their response. The account is still opened and we are still paying on it. I feel they purposely did this because I am disputing things they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer and account holder with XXXX for roughly three and a half years. I've been with the same tool representative since I signed my contract three and a half years ago. Last year in either XXXX or XXXX my account was transferred over to a new Representatives truck without my knowledge. The representative of the new truck that my account was put on took off auto pay on my account without my permission and without informing me. So after 4 months of my account not getting charged and me not being aware of it or being made aware of it by XXXX, XXXX XXXX calls me and informs me that I owe them {$600.00} or my tools. I decided to do a voluntary repossession in XXXX. I told them that they needed to get a hold of the representative and figure out what all I needed to give back to them to clear my debt. I told them if they sent me an itemized list of all of the tools they needed from me to clear my debt I would have them assembled and I would meet their representative at a location of his choosing and give them back. I didn't hear anything from them for two and a half months. All this time that they weren't responding to my emails they were reporting to the credit bureau that I was missing payments even though the person that I spoke with on the phone it XXXX XXXX it had told me they weren't going to report it to the credit bureau because I was closing my account out and giving the tools back. I watch my credit score tank over XXXX points because this company and their employees have repeatedly fraudulently messed with my account.
Product: Credit card or prepaid card

XX/XX/2023 : I purchased a monthly subscription on XXXX for {$8.00}. On XX/XX/2023 both my debit and XXXX credit cards were charged {$1200.00} on XXXX through Paypal. The charge on my debit card was stopped by the bank but the charge on my XXXX card was processed. 

I immediately closed the corresponding XXXX  account. I contacted Paypal to cancel the subscription and open a dispute. On XX/XX/2023 Paypal sent me an email stating that case ( ID # XXXX ) was denied because the purchase is not covered under the terms of Paypal Purchase Protection. 

XX/XX/2023 : I contacted XXXX by email, I couldn't fine a phone help line for them. I included the invoice ( # XXXX ) I received for {$1200.00} and explained that this was a fraudulent purchase. I contacted XXXX and reported the fraudulent charge. 

XX/XX/2023 : XXXX applied a temporary credit to my account and started their investigation. They explained that it may take approximately 30 days to resolve. 

XX/XX/2023 : XXXX notified me that an unauthorized party may have accessed my account and that they have assigned me a temporary password. An order ( # XXXX ) for {$200.00} to be sent to an unknown address was attempted. I reset my login credentials and removed all saved payment information from the site. 

XX/XX/2023 : XXXX ( XXXX ) replied stating that all sales for digital content are final and non-refundable. I reiterated that I did not make this purchase and it was a fraudulent charge. They replied by stating that they couldn't find any evidence that these transactions were unauthorized or that my account was compromised. 

The monthly XXXX  subscription for {$8.00} that I purchased on XX/XX/2023 looks to have been the catalyst for the entire series of events that have since transpired.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. Equifax is failing to investigate the incorrect credit report from XXXX on my credit report. I have sent them two certificated and notarized affidavit with supporting evidence on how XXXX XXXX  had incorrectly sum up with payments and are still charging me a late payment even through the last payment was higher than the actually payment. Theamount past due was for {$6500.00}. The last actual payment amount of {$7100.00}. {$7100.00} is greater than XXXX. Also, their math is incorrect. My monthly payments were {$400.00}. For example on the 13th month, they claimed that the balance owed was {$5400.00}, but the correct math for the alleged debt is {$5200.00}. They are also changing the dates so it shows that I have been late within the sixty days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THOSE HARD INQUIRIES
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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, credit repair services, or other personal consumer reports

Credit card is paid please update my credit report
Product: Credit card or prepaid card

The company closed my Amazon store card account abruptly, without warning, after I've been a customer in good standing for 10+ years. I spend about $ XXXX annually and pay off my balance every month. 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts 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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I sent a " revoke XXXX '' email to Speedy CashXXXX XXXX. On XX/XX/2024 Speedy Cash processed XXXX XXXX payments of $ XXXX and overdrew my account by {$140.00}. According to their records, I set up a " promise to pay '' on XX/XX/XXXX. I spoke with an agent on XX/XX/XXXX and agreed to contact them on XX/XX/XXXX to discuss getting the account current. 

I sent a XXXX " revoke XXXX '' email on XX/XX/XXXX. The agent informed me that I would receive credit for the overdraft fees. I have attempted to contact Speedy Cash at XXXX and have not received a call back to confirm the revoke request is in place and my account will be credited.
Product: Credit reporting or other personal consumer reports

Hi! 
I have been having a recurring issue since XXXX of XXXX up to now XX/XX/XXXX. I did file a previous complaint, and I believe that I was misunderstood. 

TransUnion has a broken login system. I have been unable to log in online to look at any of my data, including the credit freeze I unlock for specific life events. Even after spending over an hour on the phone with a customer service agent, I have been continuously locked out of their system, and TransUnion is doing nothing to correct this. 

After reading Consumer Reports this month, it has become clear that the problem is impacting more than just me. According to their report, more than 25 % of Americans are dealing with login problems with credit reporting agencies. It's not just me, or people who use iOs, it's 25 % of all users having this issue with TransUnion among others. Given the impact TransUnion has on daily lives in the US, that login issue definitely needs government intervention.

I did get my credit report from them, but what I need is my log in, and what XXXX needs is the entire login system properly fixed. 

I appreciate your time and attention to this matter. 

Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED IN MY CONSUMER CREDIT REPORT THAT A LIEN IS FILED ON XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF {$18.00}, XXXX AND XXXX WITH A CASE NUMBER XXXX AND AMOUNT OF XXXX. I AM UNAWARE AND HAVE NO KNOWLEDGE OF SUCH CASE. 
I FILED A CHAPTER XXXX BANKRUPTCY THAT WAS DISCHARGED ON XXXX/XXXX/XXXX. THE ALLEGED LIEN HOLDER FAILED TO FILE A PROOF OF CLAIM DURING THE BANKRUPTCY MEETING OF THE CREDITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ACCOUNT # # # # # # XXXX, dispute XXXX, COLLECTION : XXXX  XXXX. please remove this account. under federal law you had 30 days to complete your reinvestigation and youve failed to comply with FAIR DEBT COLLECTION PROTECTION ACT. THIS ACCOUNT WAS ALSO REMOVED FROM XXXX PLEASE REMOVE THIS INNACURACY FROM YOUR BEREAU AS I UNDERSTAND IT IS YOUR JOB TO PROVIDE ACCURATE REPORTINGS.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE IDENITY THEFT FINANCIAL I am a XXXX senior widow in need of help that was compromised from 2 criminals that helped me in my home with paper work filings and organization 2 years ago I just found out, by bank of america that these individuals used my credit to buy NEW XXXX XXXX NOW IN DEFAULT OF {$41000.00} THRU BANK OF AMERICA FILING WITH : LOCAL POLICE DEPT DA OF CALIFORNIA PLEASE REFER OR CALL XXXX -- XXXX THANK YOU WORK ; XXXX CELL XXXX
Product: Vehicle loan or lease

According to contract number XXXX dated XX/XX/XXXX XXXX I purchased a XXXX XXXX XXXX for a total sum of {$39000.00}. This price included a vehicle protection insurance policy for {$3700.00}, a Honda care service for {$1100.00}, and a GAP insurance coverage of {$1200.00}. 

I made XXXX payments of {$650.00} each, as well as a one-time payment of {$4900.00} resulting from the cancellation of the vehicle protection insurance and Honda care service. On XX/XX/XXXX, I made a payment of {$9600.00} to the main account and in XX/XX/XXXX, I made a total payment of {$22000.00}. 

Upon full payment of the vehicle, I requested the cancellation of the GAP insurance on XX/XX/XXXX. To date, I have not received a refund for this insurance. I would like to inquire about the status of this refund.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, The credit bureaus stated the reported the information has certified to XXXX that the information is accurate. See below. 

Collection Account Number : XXXX Company : I.C. SYSTEM, INC and Account Name : XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$460.00} The information is inaccurate from both of these accounts. I never opened the XXXX XXXXXXXX card in XXXX. This is a fraudulent account. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given this account written permission to furnish this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX and try to dispute on XXXX. XXXX said it was sent. Some how it's still showing on my report. How do I get this off?
Product: Mortgage

case # XXXX The Huntington National Bank I received a letter from The huntington National bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX regarding lender paid private Mortgage Insurance I ask the PMI department to drop the ( {$48.00} ) I received a letter informing me that I have reached the 78 % LTOV and 5 years requirement to have PMI drop but the bank will not drop the insurance, I have called, sent in letters also emailed the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.
Product: Credit reporting or other personal consumer reports

A year ago, my student loans were transferred from XXXX to XXXX. My credit report now shows 4 loans instead of 2, and a loan balance that's twice as much as it should be. I've called XXXX and XXXX multiple times each, spending hours on hold only to be told by both that it's the other servicers problem. I disputed the erroneous account/balance directly with the credit bureaus, but they changed nothing, and referred me back to the servicer. I asked XXXX if they could send me a document saying that my account with them was closed so that I could prove to the credit bureaus with another dispute that the account and balance with XXXX is false- they said no, that they can only issue documents that are approved by the Department of Education XXXX I spoke to XXXX ( again ) the same day and was told that only XXXX can fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting this account from XXXX on my credit report from XXXX Ive disputed this account several times and still in the process. Ill attach this information from the credit bureaus it says its paid plus it has a different amount. I asked this company to send me the proper verification, documents my signature proving this is my account. Section 609 of the FCRA requires this.
Product: Student loan

I am trying to get XXXX refunded. XXXX XXXX and Mohela will not provided any information of how much money has been approved and just keep saying to give it more time. I have called XXXX XXXX. I need XXXX refunded back to me and more information about the amount that has been approved. I need to make sure the amount of the refund is correct.
Product: Money transfer, virtual currency, or money service

All is attached with Police Report I am submitting due to the police department not being able to obtain information to solve problem. 

At some point in XXXX, someone took over my mobile phone and even a man answered a call when my daughter called me. She called again and I answered, and this is when everything started to happen. 

This " hacker '' withdraw funds from XXXX  account, Bank of America, XXXX Bank, accessed our XXXX account and sent a letter to XXXX to XXXX all my funds to another account ( posing as me ) XXXX will not provide the letter nor allow me access to my funds. 

I am submitting this complaint because, I can not get any of these banks to work with me and return my funds. Even working with Bank of America to put methods in place to stop the withdraws they continued to allow more withdraws. 

See police report attached that include all the funds that have been stolen and I have not been able to have my funds restored and the banks are not cooperating.