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

The following accounts are fraudulent XXXX XXXX {$960.00} XXXX XXXX {$440.00} XXXX XXXX {$540.00} XXXX XXXX {$4600.00} XXXX {$1700.00} XXXX XXXX {$220.00} XXXX XXXX {$77.00} XXXX   {$150.00} XXXX XXXX  {$690.00} XXXX XXXX {$590.00} XXXX XXXX {$130.00} XXXX XXXX XXXX {$200.00} TXXXX XXXX XXXX XXXX  {$910.00} XXXX XXXX {$53.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to purchase a car and realized I need to lift my credit report freeze with TransUnion. I logged on to transunion.com to lift the freeze via my phone. I realized I entered the wrong verification data and they still took the freeze off! I logged on to my computer to find contact info to express my discomfort with their security verification. The phone number, although appearing to be a US number, was a call center in XXXX, XXXX. I expressed my concern and was asked for a lot of personal information ( which I was uncomfortable releasing ). They could not explain why the " unfreeze '' was permitted and transferred me to a supervisor in XXXX named XXXX. That is all he would disclose to me. XXXX also had no explanation for why I was able to unfreeze with incorrect data. They said someone would try to reach me tomorrow. This is unacceptable and extremely disconterting.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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 due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 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 XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

United Revenue is attempting to collect a debt they have already sent to me in writing, stating that they would never attempt to collect again. In XX/XX/year>, i received a letter from their Senior Legal and Compliance specialist stating that they would not open another account, harm my credit, or collect a debt from me again. I have received yet another attempt to collect under an entirely new account number. This is very shady and divisive. They have tried to collect numerous times and i was under the impression that this was resolved and I still am receiving correspondence. I was told that the balance was ZEROd out completely, IN WRITING and this was still brought up again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor ( XXXX, XXXX, Experian et. al. ) has violated my rights under 15 USC 1681 section 602. Which states that I have the right to privacy. 15 USC 1681 section 604a section 2. States that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Mortgage

Paid off my mortgage on XXXX XXXX 2015. Contacted customer service weeks ago inquiring about the PAID IN FULL LETTER and was told it was sent out weeks ago. Continued to call customer service a week ago and this time was told THERE IS NO INDICATION IN MY ACCOUNT RECORDS THAT THE LETTER WAS EVER SENT OUT. Called again this past Wednesday and this time was told by the supervisor that she would email it to me, but first she asked me WHY DO I NEED IT. All we want is the PAID IN FULL LETTER AND instructions on how do we obtain the DEED to the house. Have asked customer service about this but they are unwilling to answer my questions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX  - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Validated incorrect information that does not meet FCRA standards. Company stated resident occupied address from XX/XX/XXXX through XX/XX/XXXX, with final billing on XX/XX/XXXX to XXXX XXXX, our client. Based on the information at this time, I have concluded my re-investigation, and as a result, did not find any State or Federal violations. Information is all fraudulent and incorrect. Resident was nowhere near address at this time from and had moved to XXXX months before. Drivers license even conflicts with dates posted
Product: Mortgage

This Mortgage company has lied to me so many times. In XXXX I applied for a forebearance due to hurricaines. Several times I contacted them and they put my mortgage on hold for XXXX months and told me it would be placed on the back end of the loan. This was a lie. So I had to double up on my mortgage payments in XXXX and XXXX otherwise I would have been in arrears and they could have taken my house. After paying my mortgage current with no penalties or late fees, I called to request my escrow surplus of {$660.00} on XX/XX/2024. I was told they would send it out. To date, I do not see any withdrawal or communications with this Mortgage company to return my money. This Mortgage company has continuously lied to me about so many things and you can not even speak to any department that has to do with this situation. All you can do is speak to a customer service rep and they lie, or do not have a clue what to tell customers.
Product: Student loan

On XX/XX/XXXX2022 I called EDfinancial, my loan service provider regarding a refund on the payments I made during the pandemic on my student loans ( {$3500.00} in payments made during the pandemic ). I requested a refund on XX/XX/XXXX and the representative told me I should expect a refund within a month. I called again today XX/XX/XXXX2022 at XXXXPM checking on the status of my refund and whether my balance will reflect the total summary by the time the loan forgiveness kicks in. I was told by this new representative that my refund will now be processed within 150 days and no status update has been given regarding my loan account balance reflecting the full balance in order to have the entire amount forgiven under the loan forgiveness plan. My current loan account balance is stated at {$12000.00}. I had a total loan amount of {$15000.00} before payments. During the pandemic I made a total of {$3500.00} is payments towards the principal amount bringing it down to {$12000.00}. I requested a refund on the {$3500.00} in payments I made and I also requested my student loan balance accurately reflect this in order for me to have my full amount fully forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mortgage from summit mortgage company but my mortgage automatically go from my account. They already received monthly payments from my bank account but they reported i dont pay yet. My credit score decrease 35 points. I need my credit score same like beforer otherwise im taking mortage to court.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I opened a XXXX rewards account through Synchrony Bank in XX/XX/2021. On XX/XX/XXXX I paid my balance of {$86.00} but Synchrony insisted they never received it. So I paid {$86.00} again on XX/XX/XXXX to make sure I didn't incur late fees/interest charges. I made several phone calls trying to sort this out with Synchrony and they finally acknowledge both payments. Because I had made additional charges, the second payment of {$86.00} was applied to those charges, but I still had a credit balance of {$39.00} on the account. I asked Synchrony to please close my account and send me a refund check for the {$39.00}, which they did in XXXX. But in XXXX, they suddenly decided that they had never received the first payment of {$86.00} - even though I sent proof of the two payments to them, as did my bank, XXXX XXXX. I have spent the last seven months make repeated phone calls to Synchrony, trying to sort this out. Many times, I got disconnected by them after holding for 30 minutes or more. Every time I called, and I called MANY times, I spent a minimum of 30 minutes on the phone with their representative, having to explain the whole case all over again. They kept telling me that they would have to transfer me to a supervisor/manager to get my account sorted out, but then I would get disconnected when they made the transfer. This happened to me three times in a row the other afternoon. Back on XX/XX/XXXX I was assured that my information had been escalated to a manager/supervisor and this would all be worked out, but it might take 90 days. In the meantime, no finance charges or late fees would accrue on my account. The finance charges and late fees continued to accrue and then this month I received notification that my XXXX credit score had dropped by XXXX points because my account was being reported as past due. I have had excellent credit for the last 17 years and was very unhappy to discover this. I spent many hours on the phone again this week trying to resolve the issue with Synchrony. It wasn't until I called them out on XXXX the other day that one of their representatives finally called me. I am now being told that they have sorted out their mistake and my account balance is zero, but it can take 15 business days or more ( likely XX/XX/XXXX they said ) before my credit report will be corrected because it takes Synchrony that long to report their error. I am extremely unhappy about this whole mess and warning everyone I know to avoid dealing with Synchrony because their customer service is nearly non-existent and many of the people I saw posting on XXXX about them are complaining about their unfair business practices. Many of us are now planning to file a civil lawsuit against them.
Product: Credit reporting or other personal consumer reports

these companies are violating my rights i ask them to show me proof who they spoke with and send me proof they legally had the right to repossess my car.
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC is in violation of 15USC1681 ( 2 ) ( A ) in addition to 15USC1681 ( a ) 5 for allowing these person ( s ) to report inaccurate information on my consumer report without conducting a proper investigation under FCRA regulations. I notified Equifax that the person ( XXXX ) XXXX XXXX XXXX and XXXX XXXX XXXX  are in violation of 15USC 1681 ( b ) - 15USC 1681a ( 2 ) ( a ) ( i ) - USC 6802 Section ( b ) for contacting their credit reporting agency with my nonpublic personal information and data thats excluded from my consumer report without a signed written authorization contract from me. These person ( s ) failed to protect my personal information and provide me with my privacy disclosures pursuant to USC 6802 Section ( B ) before such information was reported. By law these violations demand the deletion of the inaccurate collection account from the person XXXX XXXX XXXX who was notified by me to cease and desist all communications regarding the allege debt not owed to them as well as the inaccurate account from XXXX XXXX XXXX that was removed on XX/XX/2023 and refurnished on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. 
This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.
Product: Debt collection

I am having problems with mcm, XXXX XXXX XXXX XXXX XXXX. I became sick and unable to pay my credit card. The limit was less than {$1000.00}. Last year around XXXX I received a letter that they were going to take legal action if I did not pay.The late fees added up and became more than my limit. I called made arrangements to make payments in XXXX. The scheduled payments were not followed correctly causing me overdraft fees. I contacted the agent left voicemails but no call backs until I requested to speak with a Supervisor to cancel the payment plan that was costing me more money, due to drafting on different dates the supervisor canceled the arrangements and pinned it back on the Agent who would follow up and never did.The payments stopped but now they have sent me a notice dated XX/XX/XXXX that I received XX/XX/XXXX stating that if I don't contact them they are taking legal action. I have paid more that my limit in fees I should not owe any more money. I made effort to pay the debt. They have my recorded calls when I called in multiple times and spoke with different people.I had every intention to pay the debt not the overdrafts fees by my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts showing up on my credit report that do not belong to me. These accounts were never opened or signed or used by me. I pulled my credit and noticed that these accounts are not mine and are appearing on my credit report and causing me great grief. I should not be responsible for someone else 's mistake. I have opened an FTC regarding this. 

XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received XXXX XXXX amounting to {$12000.00} for my XXXX benefits from the XXXX on XX/XX/XXXX that were deposited into my PayPal Cash Plus account. Immediately, PayPal restricted my account stating that they needed more information. Out of everything, I was not able to provide a state I.D due to issues I ran into from the XXXX, however I did send multiple proofs of my identity and letters that I received from the XXXX. A representative from PayPal told me that everything would be fine and they'd permanently close my account and hold my funds for 180 days, after which I would receive an email with instructions to withdraw. 180 days passed on XX/XX/XXXX and I did not receive an email from them with instructions to withdraw. I called multiple times and multiple representatives gave me different reasonings, but all said that my funds are being withheld for another 180 days. They didn't state why my funds were being held again, and those representatives told me that they'd call back with a solution but I never heard back. 180 days passed again today ( XX/XX/XXXX ) and I never received an email with instructions to withdraw once again. So I called and was told that my account was flagged and that I could not withdraw my funds until further notice. When I asked for the reasoning as to why they weren't releasing my benefits I received from the XXXX, I was told that I would have to subpoena them in order to find out why. I've read every word of their TOS and nowhere does it state that they're allowed to hold my funds for this long, let alone permanently. Especially since I didn't do anything that would condone any of this.
Product: Credit card or prepaid card

Hello, I made a purchase on a credit card issued by Chime. 
The merchant based in XXXX did not supply me with tracking info and when they finally responded to me much later they sent me a tracking number from a XXXX XXXX that said the package was undeliverable. The tracking number had no address attached to it. 
I contacted Chime and send them the proof I have wich is communications with the merchant and my transaction reciept. 
The bank concludes the dispute in favor of the merchant. The evidence that they based their decision on is a record of the transaction. So a record of my payment. 
Again I did not receive any merchandise from said vendor or any proof of delivery or something like that. 
Now I have no money and no merchandise. 
It is not even about the money at this point. This is just wrong and I want justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance opened a fraudulent account in my name with my social security number without validating my address or calling me. Someone fraudulently purchased a motorcycle in the other side of the country, and despite furnishing a police report, American Honda Finance has done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX  xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK 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

On XX/XX/2018, I sought to establish a utility service with XXXX XXXX. We couldn't complete the initial screen because there is a block on my credit file with Equifax. I called Equifax, spoke with an agent who identified himself as XXXX he asked if I had a credit card and who was the lender. I told him. Then he asked did I have any past credit card accounts. I asked him to explain his meaning for " past '', and he just said past accounts. I told him that the only account I no longer have was through XXXX XXXX. He then said my answers were incorrect, and he couldn't go any further until I verify any past accounts. I asked to speak to his supervisor and was denied. I asked him three times after this and was still denied. I then asked him what the process is to place a block on a file. He answered that he couldn't give that info until he verify my identity. After this I reiterated that I need the block off of my file, and I need to know how the block was put on my file. The agent refused to answer my concerns and he disconnected the call.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX Account Balance : {$32000.00}