23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year, I was informed that I attempted to apply for an Amazon credit card, which is totally false. While I do have an Amazon online account, I have never applied or attempted to apply for a credit card either directly or indirectly with Amazon. All of my Amazon purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with Chase Bank USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened or not authorized due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

" My name is XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 
"
Product: Mortgage

In XX/XX/2022 I experienced hardship after having XXXX that there was a person named XXXX XXXX on the title of my property and that my mortgage had increased. Contacting the servicer Flagstar bank advising them that I never consented to this agreement. They added a second mortgage to my home without my consent I am a XXXX man above XXXX who has no understanding how to use email was told that they sent a electronic signature to my email which I never seen. They have added a second mortgage and have overlooked my complaints time after time they have ignored my plea against them and the bank who illegally added another income to my account. I have written them letters each month requesting help. Asked them to cease and desist they continue to report late payments and file bankruptcy judgement.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX  Account # XXXX, I never signed a contract with this company. I have filed with the FTC It is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My XXXX XXXX XXXX XXXX XXXX credit card # : XXXX. The following accounts and credit inquiry are fraudulent, unauthorized and not mine : XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX XXXX Account XXXX reported a XXXX XXXX XXXX collection on my credit report after this debt had been XXXX on XX/XX/XXXX in my XXXX XXXX XXXX. I submitted a copy of the final discharge papers confirming XXXX was included in the XXXXXXXX and was XXXX before collection was reported. XXXX Account XXXX closed the collection but left the balance of {$830.00} as unpaid reflected on the credit report. I have requested that this debt be deleted since it was XXXX before this credit reporting agency reporting it.
Product: Mortgage

XXXX XXXX XXXX and Green Tree Servicing LLC have not been applying my mortgage payment to my loan for the last XXXX months. As of XX/XX/XXXX. They are also saying I 'm XXXX months behind on my loan. They are also adding another month to my mortgage balance. This is a total of XXXX months they are not giving me credit for. My mortgage balance should be less than XXXX dollars. Yet they are saying my mortgage is over XXXX XXXX dollars. I made the same compliant to XXXX and Green Tree servicing LLC in XX/XX/XXXX, that they had added six months to the back of my loan. They are still doing the same thing in a different way. XXXX and Green Tree Servicing LLC are also adding illegal late charges to my mortgage account.
Product: Debt collection

6. Pursuant to Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA, BEFORE YOU CAN COMMENCE ANY LEGAL ACTION, YOU MUST SEND ME A 30-day NOTICE THAT YOU ARE COLLECTING A DEBT.

7. You and your associates bear the burden to organize the information submitted to you on my letter dated XX/XX/2020 received by your Account Services department via Registered Mail No : XXXX XXXX XXXX XXXX US.

8. MY NOTICE preceded your alleged lawsuit and you therefore are not entitled to commence a legal action against me.

9. More specifically, you never qualified any answers to the question ( s ) /statement ( s ) : Was this loan originated in lawful compliance with all federal and state laws, regulations including, but not limited to Title 62 of the Revised Statutes, RESPA , TILA, Fair Debt Collections Act, HOEPA and other laws? 
10. Since you did not answer this question with specificity, how did you commence a legal action against me?

11. Based upon your responses, to my QWR, you have not made it possible for me to ; Identify your methodology of accounting.

Access the manner or method of transfers/sales and whether or not they were lawful Determine whether or not you are the lawful and or legal holder in due course of said instruments, which is required to be in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That each servicer and or sub-servicers of my mortgage are in compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws That the mortgage accoun
t has been properly credited, debited, adjusted, amortize and charged correctly and in strict compliance with Title 62 of the Revised Statutes, RESPA, TILA, Fair Debt Collections Act, HOEPA and other laws 12. You never responded to my qualified written request for proof of claim.

13. Your copy of the note was not what I had asked for as required by law and I am hereby notifying you that you have exhausted your administrative remedy and do not have the right to file suit against me.

14. By your inability and unwillingness to stipulate that you are : A. A Note Holder in Due Course B. Creditor of the Instrument as you can and has not provided GAAP book entry debt evidence of the transaction and the accounting.

C. Provide me with a wet ink signature original note as required by law.

SEE ADDITIONAL RESPONSE.
Product: Credit reporting or other personal consumer reports

Company has not validated debt with my signature. Has not responded to ID theft information.
Product: Debt collection

I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back
Product: Debt collection

XXXX XXXX XXXX has two collections on my file for the same item. I disputed it and not only is it still there..but they changed all the dates and balances. DOES ANYONE EVEN CHECK THESE DISPUTE RESULTS? XXXX XXXX account number XXXX was listed as a high credit of {$750.00} and a balance of {$750.00}. I disputed that this was the same account as their account number XXXX that showed a balance of {$5400.00}. 

The {$750.00} was the monthly rental on that property. Instead of removing the {$750.00}, they changed the balance to {$5400.00} so that NOW IT IS LISTED TWICE. So you have a high credit of {$750.00} and a balance of {$5400.00}????? And a high credit of {$5400.00} on the other with a balance of {$5400.00} ... XXXX add to this the open date is XX/XX/XXXX with the last activity date XX/XX/XXXX ( SEVEN MONTHS BEFORE IT WAS OPENED ) on one and last activity of XX/XX/2018 on the other. 

It is as if someone is just throwing numbers at the credit bureau and the bureau lists it no matter how ludicrous the numbers are.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a dress from XXXX and returned the dress. I have proof of the return. 
The purchase remains on my XXXX account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) XXXX has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. XXXX continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Product: Mortgage

I XXXX member of XXXX. I was told by Bank of America that my loan modification needed to go through XXXX. I submitted paperwork for a loan modification on XX/XX/year>. I was repeatedly told that my documents were being reviewed. I went to make a mortgage payment but Im no longer able to access my loan. I called Bank of America and was told that my home was in foreclosure. The representative stated that it was put in foreclosure on XX/XX/year>. I submitted all of my paperwork almost 2 weeks before to the start of the foreclosure. I dont feel this is right or legal. I may be wrong but this is how I feel. I did everything that was required of me and I was assured that my modification was being reviewed
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and noticed some inaccurate accounts reporting that is not mine. I filed FTC report and nobody has yet to help get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. TRANSUNION never changed it to current never late. XXXX XXXX XXXX  promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed b on my TRANSUNION Credit Report today TO CURRENT NEVER LATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A sates 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having difficulties with buying a house and applying for new credit cards. I paid the missed payments XXXX XXXX ( Opened XXXX. XXXX, 2016 ) and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

Key bank took over my home equity line of credit from XXXX XXXX. We sold our home so this loan needed to be closed. The paperwork was submitted at the time of settlement on the home. However, the line of credit was never closed or the lien removed. I also found out that there had been an overpayment of what we owed on the line of credit. this was over a month after the date of settlement. The bank never made any attempt to contact me to let me know of the overpayment or to refund my money. To this date they still have not returned the overpayment to me. They are holding my money and refuse to return it to me. I have done everything they have asked me to do to resolve this and they keep telling me it will be another 10 to 15 days. This is unacceptable. They are withholding my money against my will.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.
Product: Consumer Loan

I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.
Product: Credit card or prepaid card

Unfortunately I closed the account so I can not get the details for dates but I purchased an XXXX right before the pandemic hit on my target credit card. I was unable to get logged into the account and I never sign up for paperless statements. I was waiting on the paper statement when the pandemic hit and it slipped the priority list. I've had a card with target for nearly a decade. They switched me to paperless and I didn't know. Never got a paper statement and they called. I paid immediately then the next month they hit my credit report. The lady even reimbursed the late fee! Never a late payment. I've also had issues with the target debit card charging multiple times for one order on my money market account which then puts me over my transaction limit but besides the point. I contested with Target and they would not help me out even with the pandemic at the time. It's hurt my credit score and still 2 years later it's not rebounded. Are you able to help?
Product: Credit card or prepaid card

Between the months of XX/XX/XXXX to XX/XX/2018, I was assessed a {$1.00} fee for " Minimum Interest Charge '' when there was no balance shown on my credit card that was subject to an Interest Rate. Every monthly statement indicated there was " Balance Subject to Interest Rate {$0.00} '' I contacted Bank of America on XX/XX/2018 and was informed by two different representative that there WAS a balance on the credit card subject to an interest charge. They confirmed that balance did not show on my monthly statement and I could only obtain that information by contacting them. They refused to issue a refund and indicated these charges were valid. 

I believe this to be a violation of Consumer Protection Laws such as Regulation E, Regulation Z, the Fair Credit Billing Act and the Credit CARD Act of 2009.
Product: Debt collection

Alarm was installed XX/XX/2014 by XXXX. I was told that I could set my alarm from my smartphone, which is a Windows phone, however, after the installer was in my home past XXXX, trying to get the systems to work, I was very tired and noticed a few days later, that scratches were on my counter drawers. In addition, I was not able to set my alarm from my smartphone. I was told by the representative after calling, that the system would only work on an IPhone ( 3 days past of being able to refuse the service ). Moreover, the agreement was to take XXXX payments of {$33.00} ( XXXX & XXXX ) and start taking regular payments starting XXXX ( {$44.00} ). XXXX took out more than what was authorized by me. I initially made an {$81.00} ( check ) down payment that was part of the XXXX {$33.00} payments. XXXX withdrew several payments more than what was authorized. I spoke with XXXX in reference to this incident of the extra ACH ( s ) taken from my bank account. Those withdrawals were never refunded. I am being charged for the equipment, which I requested XXXX to uninstall and I am being charged for three years of service. Mind that the system was installed XXXX 2014. Moreover, after speaking to a XXXX rep in reference to ending the service, he inquired as to why. I stated that XXXX had not ethically represented their portion of the contract. They took more funds than what they were authorized and damaged my counters and the monitoring stopped. Because the system was not being monitored, my garage door came opened on several occasions ( system connected to my garage door ), causing items to be stolen, which I did not notice until I had to use something that was stored in my garage ( XXXX ft. ladder, bar stools ( XXXX ), and XXXX XXXX products and other small items. I am a widowed part-time employee and senior citizen and can not afford to pay for products that do not operate properly. Moreover, XXXX took funds that were not authorized, which is unethical. 
I do not have access on my computer to forward documents, however, I can forward copies of paper documents and I can forward an email of the conversation that took place on the initial day/date that the XXXX representative came to my home.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES ON MY CREDIT REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to the three major bureaus, Experian, XXXX, and XXXX dated on XX/XX/2022. These letters were sent certified mail with a return receipt. 

The return receipts were stamped on : XXXX XX/XX/2022 Experian XX/XX/2022 XXXX XX/XX/2022. 

I sent a 30 Day No Response Letter on XX/XX/2022 ( for XXXX ) and XX/XX/2022 ( Experian & XXXX ). They all were stamped received on XX/XX/2022 According to FCRA, the bureaus have 30 days to respond to my dispute letter. That did not happen and now they are refusing to remove the unverified accounts. 

I would like the accounts that were not received within 30 days to be removed permanently from my report.
Product: Debt collection

After I ran an application for home loan and was told that child support report is still on my history from 2014! I already made two dispute through XXXX XXXX and Experian on same month of XXXX. Since I noticed that file was made from year 2014. Then the whole six years it have been there on my history without me knowing it. However, it was paid in year 2014. Why is it not closed and removed? It need to be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received an email from " Equifax '' dated " XX/XX/2018. '' It inaccurately stated that my " ( Federal ) Student Loan '' as " Payment Deferred '' instead of " Discharged '' ( i.e., " paid off '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently notice about 5 hard inquiries all of them dated for XX/XX/2018. I don't recognize any of these institutions and have not contacted them at any point.
Product: Debt collection

This is not my debt. I did not sign any paperwork agreeing to this debt. There is a co-signer listed on the debt that is now deceased. In XX/XX/XXXX I received a court summons and called the company to find about the debt and requested more information. I was unable to even find out what the debt was for. They told me, via recorded phone call, they would stop all collections immediately. A week later they had a judgement against me. It was only after this date that they sent paperwork. This violates debt collection law. Additionally, this debt, that was not mine to begin with, originated in XXXX in Kansas. I live in Michigan. This is past the 6 year statue of limitations either way. I also have documentation from the lender that shows a balance of XXXX as of XX/XX/XXXX so their own documentation establishes that this debt has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX BANK ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.