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

Filed XXXX  XXXX in XXXX, it was completed and discharged in XXXX. Then in XXXX one old collection agency placed a collection on my credit report as if I reopened a account ( re-dated ) it as if new- dropping my credit score and hurting what I have been working on hard for all these years. I disputed with Transunion and XXXX reporting agency but they will not remove it. XXXX isnt reporting it. I have talked to my bankruptcy attorney and he said it is a discharge violation.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a tax refund loan in the amount of {$500.00} for XXXX gifts for my children. Refundnote required supporting documentation to verify employment and identity along with a copy of my XXXX tax return. On Sunday XX/XX/XXXX, I was emailed Refundnote 's Agreement and Consent documents to be e-signed. the document contained the fees to be charged in the amount of {$520.00} along with and estimated amount for my XXXX tax refund and under terms they prepare my XXXX Tax Return. The documents were signed and emailed back. So i assumed that I was approved for the loan and that I would hear from someone the following day. Of course I received no email informing me about the loan. By this time I was worried so the only way to contact Refundnote is through email. I emailed support on Tuesday XX/XX/XXXX and wanted an update on my loan and that I sent out an email prior to get an update and no reply. In the email I informed them that I was going to report them to FTC and XXXX. Well what do you know I got an email stating my application has been accepted and that more documentation was required and if the information is submitted before XXXX EST my funds would be available the same day. The documentation requested was a utility bill, health insurance info on me and my children, document clearly showing my children 's social. As of today no funds or email. Starting to think this company is a scam and that they have all in information and will attempt to file my taxes.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 American Exp Inquiry from XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, # XXXX, # XXXX has violated my rights. 

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

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

In XXXX XXXX I purchased a home and financed it along with a co-borrower with 21st Mortgage Co. The Loan number is XXXX. 21st Mortgage reports this loan on my credit report yet they do not put my name on any mortgage coupons, mortgage statements and XXXX interest statements. This is unacceptable. I live in the residence I financed and the co-borrower no longer lives here and has a change of address which means I do not have access to my mortgage coupon, mortgage statements, any mortgage notices or most importantly the XXXX interest statements. 21st Mortgage needs to correct this information and put my name on all corresponding documents including year end XXXX interest statements as i am fully entitled to claim interest payments on my mortgage. I am requesting that they issue CORRECTED XXXX INTEREST STATEMENTS FOR XXXX, XXXX AND XXXX IMMEDIATELY TO CORRECTLY HAVE MY NAME APPEAR ON THEM and that they also issue new mortgage statements and coupons asap. 21st Mortgage is located at XXXX XXXX XXXX, XXXX, TN XXXX. Their phone number is XXXX and their XXXX number is # XXXX. Please help me have them correct this matter immediately.
Product: Mortgage

Won't give another forebearance. 

Won't cash insurance check.
Product: Mortgage

I entered into a forbearance agreement that was supposed to only last for 3 months. Somehow the mortgage company turned it into a 6 month forbearance and then turned it into a loan modification. After I made the XXXX required payments in the loan modification, I attempted to refinance the mortgage through my credit union. 

I began in XX/XX/2021. I have and my new finance company, XXXX XXXX XXXX has also requested payoff info as well as a transaction detail many times from UWM. They have given me nothing but a run around, but in the meantime, my payoff amount is growing and growing. 

They told me to send an email to give them 3rd party authorization to discuss my loan, payoff, and transaction history with XXXX. I verified the email address and sent the request, then they told me it was an incorrect email address. Then they requested that I fax an authorization. They sent a letter stating that they received the written authorization and they claimed that they faxed the info to XXXX and mailed it to me. 

XXXX never received a fax, and I received a payoff letter, but no transaction history. They later sent an payoff to XXXX. Still no transaction history, and of course the payoff is higher because they are charging additional interest while they drag their feet. 

They keep promising that they will send the requested info and they may send part of what's needed to payoff my loan, but not all. In the meantime, my payoff keeps growing and XXXX has to keep resubmitting my loan info for approval while UWM drags their feet. I feel like they're dragging their feet in order to keep adding up additional interest. 

It is now 2 months later and they still have not provided the transaction detail that XXXX has requested. I don't have all the dates on hand, but XXXX has kept a detailed record of all the times that we have reached out to UWM. They have also recorded all of the conversations. 

What can I do to get them to respond before interest rates go up and before I am no longer qualified to refi the mortgage with mu income level
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Debt collection

The collection/charge off is a debt from XXXX XXXX  original collection/charge off amount XXXX ( nca ). The repeated collection charge off is for XXXX ( XXXX  ). Both are from ( XXXX )! Also I can provide proof of statement from XXXX XXXX that during the pandemic any and all customers of XXXX receiving internet services will not be shut off and will not close customers account throughout the entire pandemic process! Which clearly this collection charge occurred. I owed {$99.00} or less! XXXX is in error stating I have their equipment which I returned when closed account took place! What can I or should I do to address this situation?
Product: Debt collection

Credit Collection Service, placed this Collection on my credit report without sending me a 5 day notice. I never had I opportunity to investigate what this debt is all about. Show proof you sent me notice however I know for a fact I never got anything in the mail. This collection must be deleted immediately. 

Account : Credit Collection Service Account : XXXX
Product: Debt collection

I have been trying to dispute the fact that a closed child support case hasn't been removed from my report and is well over 10 years ( closed XX/XX/2009 ). Equifax is refusing to remove it and it is tarnishing my credit making it hard for me to improve my credit and purchase a home. 

ATTACHMENTS : *Letter from child support about closure. Its on the last line where they state case number. It matches up to the Equifax report account. 

*Equifax report ( page 20-21 is the account ) *Dispute results from Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with Experian to find out why my credit score dropped dramatically on XXXX XXXX. Once I signed up I found a mistake on a {$100.00} medical bill that I paid and filed a dispute showing payment. The charge was taken off but my credit was still listed as fair. When I signed up with Experian they wanted me to pay for the better service and give them access to my banks login and let them search my bank statement!! I would never allow this. My score was lowered AFTER not allowing them to do this. I had excellent credit in 2019 and have done nothing but pay off my small credit cards and my credit score should of increased. Instead its been lowered to fair. Experian will not answer their phone it will not let you even push a extension and hangs up on you. No emails to contact. Something is wrong here. I am a XXXX person and need my good credit and deserve it. I pay my bills early!! I cant believe they wanted me to pay them to give them access to my bank login!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be updated and corrected as soon as possible : 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 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1800.00}
Product: Debt collection

LVNV Funding LLC is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. LVNV Funding LLC does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Prepaid card

I purchased a Google Play gift card through XXXX XXXX XXXX and redeemed it successfully to my Google account. However, I have been unable to use the balance, even though it appears on my account. 

I contacted Google Play Support, confirmed that : I do not use a VPN or proxy My payment profile is correctly set to the United States My account details and region are consistent Despite this, support claimed there were inconsistencies without giving any further detail. They closed the case and refused to allow access to the balance. The gift card was purchased through a legitimate financial institution, and I have done nothing to violate Googles policies.

Im seeking resolution so that I can use the funds added to my account in good faith.
Product: Credit reporting or other personal consumer reports

Transunion has failed to obtain my information legally, Transunion has shared my information a number of times to many different creditors and debt XXXXollectors without my written instructions to do so
Product: Debt collection

Portfolio Recovery has attempted to call me several times. 
They called on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

I do not owe debts with them, they never leave a voicemail, and I can not find proof of the debts existing at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I needed to unfreeze my credit and was unable to. 

Upon logging in error message : " Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX a.m. and XXXX p.m. ( ET ), Monday to Friday. '' First off, that's a very poor error message. 2 100 % confirmed that my information is correct, XXXX this has happened without reasonable explanation many times with Equifax. 

I called the number, spent 30 minutes on the phone to then have to wait a day or few days to possibly receive an email to let me login. They could not give me a clear answer on why I was receiving this message. It's not acceptable for something so critical to people 's " freedom '' in America. 

This should not be legal, they are blocking me from accessing my own credit report and applying for credit in time sensitive situations. I can't login to my own account. 

They acknowledged on the phone that they were having a " website issue '' and that there was not fault of my own. They supposedly reset my account. 

Come 1 months later on XX/XX/2022 when I need to unfreeze my credit again, the same problem! No access to my account. It's absolutely ridiculous that the government allows other companies to legally lock or block access you the consumers OWN information. Why is Equifax in control of my information and not making me ineligible to move in to an apartment? This is terrible and must be fixed. 

We need a blockchain solution, put the power of people 's information in THEIR hands, and not a for profit business please. 

I have to call this for profit company yet again and figure out what is going on. I don't do anything unusual with my account what so ever and have very secure credentials. The keep having 'website issues '' and don't have an online way to fix this, and how can you only offer support Monday through friday XXXX - XXXX? That's not acceptable for many people who work during those hours. 

Yet they get to control your access to loans and moving into apartments and mortgages.
Product: Credit reporting or other personal consumer reports

I need to report some incorrect information on my credit report. I'm feeling quite frustrated at the moment, but I understand that mistakes can happen. I trust that you will address this issue. The credit report includes inaccurate dates and only a bill was sent instead of the full purchase agreement that was requested. Also, there has been no verification of the information for accuracy. I am requesting the full purchase agreement. This is a serious matter to me, and I would appreciate it if you could remove this account as soon as possible.
Product: Mortgage

Dear Sirs I have been trying for several years to process a short sale. I have spoken to several different representatives from several different mortgage companies. We have been unsuccessful in processing the short sale. We are trying to avoid foreclosure but the customer service representatives are either non-responsive, names change, there is no follow-up, documentation has been sent several times but the mortgage company is unable to locate the documentation. Recently we submitted a viable short sale contract and our realtor was treated very poorly by loss mitigation personnel XXXX XXXX of Ditech, when she followed up and was trying to find out the status of our loan which is what prompted me to submit this claim.
Product: Debt collection

XXXX SECURED/ Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXX Recent payment {$200.00} as of XX/XX/XXXX Monthly payment - Credit limit {$200.00} Highest balance {$400.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Current / Terms met XXXX Past due 30 days CO Charge off Payment history guide Charge Off as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Your statement Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit card or prepaid card

Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX  XXXX XXXX
Product: Debt collection

Last year early summer. I started having {$26.00}. Taken from my banking account every other week. Unrecognizable transactions. the company name was ACIMA XXXX XXXX XXXX. AS OF XXXX, 2022 its stated as charge off. I have also sent my bank XXXX XXXX XXXX XXXX information and they investigated the matter. I was rewarded my money back from all the months ACIMA XXXX XXXX XXXX was taken out which was XXXX dollars total. I have did a police report. No Leads. The wrong social security numbers were used. They had all my information except for my birth date and social was wrong. Which is an unauthorized use of my information. 


Penal Code 530.5 PC N.C. Gen. Stat. 14-113.20
Product: Money transfer, virtual currency, or money service

A Venmo account was opened without my authorization on XX/XX/21 at a time when my phone and purse were not in my possession, as I was at the salon getting my hair done. 
Several payments were made by the person that I suspect fraudulently opened the account, and she paid herself. 
I filed disputes with my credit card company and Venmo starts contacting me and trying to open disputes. When I talked to Venmo they opened the disputes in a completely different name than mine. I called them and Venmo keeps trying to engage in discussion about disputes, sending my identification to them when I did not even open the account. Im not sending my identification or social security number to a company that I never did business with, that already allowed fraud to happen to me. They could use my id to commit more fraud. 
All I have to do is to dispute with my bank, which Ive done. And I won. However Venmo wont shut down the account opened fraudulently unless I send them my identifying information and I go through their dispute process for specific transactions on an account I did not open. 
Nor will Venmo go after XXXX XXXX, the person the payments were allegedly made to. I dont want to or have to deal with Venmo but they refuse to shut down the account unless I comply with them and send them sensitive personal information that can subject me to more fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted consumer in regards to my past due account amount on XX/XX/2023. The first agent that I spoke with informed me that the account had been transferred to a third party and provide third party contact information. I contacted the third party who than stated that my account was not visible in their system as of XX/XX/2023. I than processed to contact the consumer back and spoke with an agent by the name of XXXX  who stated that no settlement can be made on the account at this time. I asked to speak with a supervisor, XXXX  was the supervisor I spoke with on my account. I asked her about a settlement as well and she stated that no settlement could not be made on the account at this time. I asked her is their a reason stated in their system as to why no settlement can be accepted on the account, she was unable to find a reason. XXXX  placed a ticket to investigate the account more. The ticket # that was provided to me by XXXX  was XXXX. XXXX stated that a communication will be sent to me once the investigation has been completed. I am trying to get this account resolved and removed from my account. Please Inform with more information.
Product: Credit card

I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.
Product: Debt collection

Cir. Law Offices International engages in fraudulent practices. The law firm will send " notices '' to dated addresses as " proof '' of service. In addition to tacking on legal fees and filing within incorrect counties and then amending the errors such as filing dates, names, addresses AFTER a judgment has been filed with the California Courts. Consumers are not given the ability to dispute the validity of a debt prior to suffering punitive damages.