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

This is regarding XXXX, XXXX, XX/XX/2021. I have paid my mortgage payment every month in a timely manner. My monthly payment went up by {$60.00} due to increase in homeowners insurance. When I found out my homeowners insurance went up, I changed companies. I have a copy of all my payments made on time. They're actually paid automatically through a bi-weekly payment program that I have enrolled in to pay my mortgage off early. The mortgage company applied my payments to principal instead of my monthly note and reported me to the credit bureau for being 30 days late. If they had put my payment in unapplied funds like they've done previously, the next payment would have corrected the shortage within the 30 day grace period. My payments were made. If they had not applied the payment towards principal, I wouldn't be in this situation. All I'm asking the company to do is apply the payments made like I have requested, the problem of resolve itself. The supervisor that I spoke with confirmed herself that I have made my payments in a timely manner. The problem is they wanted me to make an additional payment, which I eventually did just until the problem could be fixed on their end. I reported this to Equifax and they closed the case within 24 hours without even looking into the problem. I am attaching a copy of the report from the company that makes my payments automatically for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge off was re-inserted into my credit report after being deleted for several months. I did not receive no such notification. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for blatant disregard for the law.
Product: Mortgage

We have tried to work on getting our FHA backed mortgage loan on track with Wells Fargo for the last six years and we can not figure out why they ignore us and refuse to help. We fell behind due to Hurricane Sandy and some financial issues. I gave Wells Fargo {$110000.00} to get caught up on my mortgage, but after they took my money, they advised that I owed them another {$41000.00} for escrow shortages and refused to bring our loan current. Also, since that time our loan has never been formally reviewed for mortgage options, even though I have complied with every request they made for documents, information and forms. 

There is also the issue of loan fraud that occurred when we refinanced our mortgage. Although we did not take out a penny from our equity, our mortgage loan balance increased over {$120000.00}!! We could never get them to explain why our loan increased and they basically stole the money from us. 

We can afford a reasonable mortgage payment, but Wells Fargo has just kicked the can down the road and now we have a sale date scheduled for XX/XX/2018. We have had a rotating series of single points of contact, but they never stick around long enough to finish the process and we have had to start over constantly. We feel that Wells Fargo is just a foreclosure machine and will take our home away and collect the money from the government since it is a secured loan. We make plenty of money to resume our mortgage payments and want to spend the rest of our lives in our home. Wells Fargo is a horrible and greedy company that has completely squashed us and our spirit. 

It should not take six years to get a formal review of mortgage for assistance options. Now Wells Fargo is basically telling us that there are no retention options available to keep us in our home. We need help to get them to do what is ethically the right thing to do instead of making us homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and Transunion have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Technical expert hired through XXXX to remove Malware from company website, after one week and seven billable hours later the issue still remains. By the experts admission was unable to resolve ( see attached documentation ). Request full refund to hire another expert, company website is in critical condition. 

After a month of trying to resolve issue with Paypal they settled the dispute in favor of XXXX, when clearly the work was not done, we hired another company that charged us XXXXusd and was completed in less than one hour
Product: Credit reporting

Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The student loans under XXXX XXXX And XXXX are being incorrectly reported. The past due payments are more than 7 years old. I have  Disputed this many times as they are too old to be reported but they still remain on my credit report under XXXX and TransUnion And XXXX. Ive disputed this at least 5 times. The past due payments are more than 7 years old and are no longer reportable under the fair credit act!
Product: Credit reporting or other personal consumer reports

I am reaching out to dispute several accounts listed on my credit report, which are the result of identity theft. These accounts are not associated with me, and I am formally disputing this fraudulent information. I have already notified the respective companies about this fraudulent activity. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am asserting my rights under federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, which protect consumers from the unauthorized use of personal information. The harm caused by these actions is worsened by your agencys inaction in addressing my ongoing disputes. 
This situation is further compounded by data security breaches, involving the XXXX Data Breach, exposing my information to misuse. I demand the immediate removal of these fraudulent accounts from my credit report, especially given the impact of recent data breaches. Under the FCRA ( 15 U.S.C. 1681c-2 ( a ), your agency is legally required to block and delete the information resulting from identity theft upon receipt of a suitable report, which I have provided on multiple occasions. The unauthorized accounts linked to my Name, Social Security number, and Personal information are : XXXX XXXX XXXX : Balance : {$690.00} : Open Date : XXXX, XXXX Inquiries Are : 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 XXXXXX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX : {$2000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to unauthorized, fraudulent credit inquiries. The issue was already addressed with the particular company, and because there was no credit extended, there is nothing that they can do and that my concerns need to be taken up with the credit bureaus. The response that was provided from Equifax with regards to '' access to records '' being factual, is erroneous. The records are not facts and in fact " Fraudulent "! Their explanation gave no indication that there was an attempt to address this issue and did not provide an adequate solution for this particular situation. 

Equifax was sent drivers license, social security card, Several FTC reports, as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach as well as other data breaches and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Product: Debt collection

Portfolio Recovery Associates keeps calling me from numerous phone numbers on a debt that was from 2009 and beyond the Florida statute of limitations. On various occasions they have threatened to sue me.
Product: Credit card

I am so sick of being a victim of the incompetent gap customer service and fraudulent departments! I called into gap 2 months ago when my account was locked online and was then told that my account had a fraudulent charge and my card was cancelled and sent a new one. They never even notified me and I had no access to any of my old statements because they were all online. I had to go on vacation so I had to make sure that I paid all I owed so I was n't charged a late fee. I spend nearly 6 hours on the phone that week with GAP online purchase department and went line by line of all my orders and credits over the phone and made sure I paid the exact balance minus the fraudulent charges. I just logged into my account online today with the new card only to find that they never even submitted my fraudulent charge for investigation, charged me late fees for 2 months on my fraudulent charge. I do n't see any of the statements or activities for the old credit card even though they told me it would be transferred and I would have access to this information. Both customer service and fraud department tells me I will have to wait another 60 days, they do n't remove the balance from the card, so it looks like I do n't pay my bills and they will keep charging me late fees. I told them that I do not owe them a cent and I paid off everything but the fraudulent charge, and I asked them if they are reporting me as not paying my bills and ruining my credit as a result of this, and of course they do n't know and simply told me that I have to wait 60 days. Gap credit is the most incompetent credit card I have ever experienced, and it feels like there is nothing I can do. If they XXXX my credit I will sue. Not to mention they have wasted at least {$500.00} worth of my time and stress and grief over this. I am furious!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX 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, or personal loan

I had a {$5000.00} line of credit with Santander Bank. I never used it and canceled the credit line long ago. Santander continues to bill me for fees, for interest on the fees, and other charges that I do not owe. I reported this to their fraud department three weeks ago. The fraud department said they would close the line of credit. They never did and I get dunning letters and calls almost every day. I have explained the situation about a dozen times, and each person says they will take care of it, and they never do.
Product: Debt collection

CLEAR RECON CORP with XXXX  and XXXX are engaged in CRIMINAL ACTIVITY : CONSPIRACY, HARASSMENT, EXTORTION, and FRAUD ; against the consumer. 

In XX/XX/2019, the consumer rescinded an unsecured loan with XXXX XXXX due to a breach of trust. Accordingly, all trust relationships were legally terminated under the Void ab initio and fraud vitiates everything Doctrine. See Exhibit-1. 

There is No loan - legally rescinded ; There is No lien - legally released ; There is No deed of trust - legally terminated ; and There is No controversy with the deed - legally re-conveyed. 

FRAUD : 1. This account was opened without the consumers knowledge and without the consumers consent. 

2. The consumer DID NOT request to open this account and the consumer DO NOT have a written agreement to open an account with CLEAR RECON CORP ( no communication ; no signature ). 

EXTORTION 1. The consumers first contact with CLEAR RECON CORP was a fraudulent notice of default. 

2. CLEAR RECON CORP claims to be a Trustee, but the consumer is not aware of any appointment of this fraudulent creditor/trustee. 

The consumer is seeking relief from the ongoing conspiracy, harassment, extortion, and fraud.
Product: Prepaid card

I got an email from the Equifax Breach Settlement telling me I have an additional settlement payment amount they will put on a prepaid card. This email came from XXXX on XX/XX/year>. I tried to claim the prepaid card through XXXX but I get the error message " Oops. There's an error on our side. Please try again soon. '' I've been trying all day and keep getting the same message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account Number : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv 06 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account Number : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.
Product: Credit card or prepaid card

Bank of america closed my business cash rewards credit card, and forfeit my rewards of {$2800.00}. 

And i requested to redeem around {$2000.00} rewards before they closed this account but due to the bank reason the redemption did not go through, the redemption record should exist on the website, but they immediately closed my online access to the credit card when closed this account. 

Plus, when i tried to contact them, you can not imagine how hard to catch hold of someone from boa credit dept, especially when they know it was me, they put me back to the line to wait, canot imagine the public co reputed BOA rep did this unprofessional, disgusting way! 

Three points : 1st, i dont think the reason why they closed this account is strong, i had been paying the card on time, only one time was late before they closed it. 
2nd, they should not forfeit my {$2800.00} cash rewards 3rd, they should not stop my redemption go through when i redeemed before they closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XXXX XXXX, XXXX and Friday XXXX XXXX, XXXX, I repeatedly attempted to put a credit freeze on my TransUnion account. I tried online, via the automated phone system, and connecting to a representative. The online process and automated phone process would not allow me to proceed to the final step to get a credit freeze. Via the automated phone process, I was re-directed to a phone representative. Each time I was transferred to the phone representative, I only received a busy signal. How do I activate a credit freeze if I can not contact a company representative, or process the activation online, or process the activation via the automated phone system?
Product: Credit card or prepaid card

I was checking my credit score through (XXXX) a company that I believe works with my credit card company (XXXX XXXX) and came across alert for a new credit inquiry that had taken place at the beginning of this month (XX/XX/XXXX) through XXXX from Home Depot (XXXXXXXX XXXX XXXX XXXX, SD XXXX). I did not inquire for a Home Depot card and this caused my credit score to drop, obviously as a result of identity theft and or Home Depot pulling my credit file for whatever reason to approve me for a credit card that I have not applied for. I am not sure which of the two is the actual reason why Home Depot would inquire my credit report or score from XXXX. All I know I have NEVER applied for a Home Depot card and now someone is trying to open a card under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been trying to correct some errors that were reporting on my credit file. In the process I had helped my daughter get into an apartment. When she moved there was money owed. The first thing I did was contact the apartment complex management company and paid the debt. I don't know if the issues is with the XXXX XXXX XXXX or the XXXX XXXX but the point is there should be nothing owed to the company for this apartment and it should not be listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking for Equifax to remove a Charge off account from my credit file for several months now. I have asked for the method of them claiming they have verified the account, who they spoke with and a copy of a contract with my signature but never get anything but a email with results saying that the creditor verified the account. 
The account is XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I disputed multiple fdcpa violations on my credit report and Equifax has not responded or remedied the situation. Congress states under 15 U.S. Code 1692 ( d ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

These accounts are ruining my reputation and it is also defamation of character.