23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had an equity line of credit with Banco Popular. In XX/XX/2011 I was granted a discharge of debt the equity line of credit was not part of the BK. For the past 9 months I have been working on the credit so that I could re finance the house. Banco Popular had to be paid off in order for me to have any hope of getting a loan. Over the course of several months I was able to negotiate a payoff and a promissory note. I gave them $ XXXX and agreed to a no interest payback for a fixed amount over 36 months. The balance after making XXXX more payments was {$10000.00}. My refinance lender told me that we could go ahead with the refinance, however he could not get BP to send a payoff amount. After several weeks XXXX sent a letter asking for a few XXXX dollars more that I agreed to pay in the promissory note. When I challenged them on it, they revised the amount of the payoff but told me that they were going to issue a XXXX for the difference. During my escrow period I received a statement from XXXX reflecting my payments and the amount due almost $ XXXX dollars more than the amount we agreed to in the note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$9900.00} XXXX  XXXX Bankruptcy XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX UNIVERSITY XXXX XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have not received any validation documentation from PARAMOUNT RECOVERY. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit report foXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am contacting you today because I am trying to get all unauthorized credit inquiries removed from my credit file. The day that I applied for my vehicle I was not knowledgeable about credit or inquiries so I was not aware that my credit would be shopped around to different entities. Now that I am little more knowledgeable about credit and inquiries, I understand that they are hurting my credit and if possible, I'd like to have them removed please. 

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

I was reviewing my credit report and noticed inquiries not mine on my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX, XXXX, TRANSUNION, & XXXX is reporting late payments on account # XXXX. 

I have tried to settle this matter as of 2 years and XXXX XXXX XXXX XXXX  or the CRA 's still has NOT updated the payment history and is in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, these agencies are in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 usc1681 ] 4. Violation of the Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX A PART OF 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: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan at XXXX XXXX XXXX XX/XX/20 and I was not approved because apparently there are 4 accounts in negative standing appearing on my credit as well as over twenty inquiries. The accounts are from XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX-XXXX  and XXXX XXXX  ; The inquiries are from several different companies that I have listed on this report. None of those accounts or inquiries belong to me and I did not allow anyone to open these accounts or make these inquiries on my behalf. I filed a XXXX XXXX Police report and got in touch with all of the companies. I did not benefit anything at all from these accounts/inquiries that were opened and made in my name without my permission.
Product: Credit reporting or other personal consumer reports

I've called and written all XXXX credit reporting agencies 4 times XXXX, TransUnion and XXXX 
About the charge-off accounts, and repossession that are covered under 15USC code 1601, The bankruptcy that is under 15USC code 1681A2B, The hard inquiries which are covered under 18USC Is 10:28 A, Is collections which are covered under 15 usc 1692C . And collections which are under 15USC 166 B. 
However, every time I call them they try to make me jump through hoops in order to get the Negative reporting taking off and I do exactly what they say and nothing gets done. 
I have constantly told them that I did not get my written percent To have these reporting posted all over the internet.
Product: Credit card or prepaid card

On XX/XX/2022 I submitted a remittance payment through XXXXXXXX XXXX XXXX to Capital One for {$380.00}. Per UCC 3-603/3-12, if tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Capital One Bank did not honor my instrument. On XX/XX/2022, I received a Letter from Capital One staying my account ending in XXXX was closed. The letter also included that Capital One removed my name and address from Future Capital One Credit Card offers. As a Capital One customer I feel discriminated and devalued. Prior to this encounter, I never missed a payment. It is concerning and alarming how Capital One is allowed to violate Federal Laws against customers.
Product: Debt collection

National Credit Adjusters has no contract signed between myself and there company they have placed XXXX on my credit and have no proof I opened a account and signed with the company. Please provide the signed contract with my signature to validate this debt. If you do not have a signed contract with myself and National Credit Adjusters then remove from ALL 3 credit bureaus immediately. This is in Violation of my rights and FCRA act.
Product: Mortgage

I was steered into using a particular service/product ( per builder ) despite their being better financial options available to me. In addition, I was not provided the proper information or tools obligated by the mortgage loan XXXX during the credit application and purchase of my mortgage. After this information was brought to my attention, I immediately spoke ( XX/XX/XXXX ) with both the builder and XXXX about the issues I found present and was then coerced into proceeding purchasing with preferred lender/XXXX  despite any financial turmoil that may be caused because of it. I have all reason to believe that there is some sort of fraud ring apparent, I don't think anyone else should have to experience being steered into something that is not in their best financial interest and taken advantage of. My family and I are very unhappy with this entire experience.
Product: Mortgage

I refinanced my XXXX  loan back in XXXX of XXXX  from XXXX XXXX XXXX who I was happy with ) to Village Capital with XXXX XXXX XXXX who was the broker at the time. Since then, I have had several issues. The biggest, most concerning issue is that my mortgage changed from {$1800.00} ( which is what was my signed for amount on my refinance paperwork ) to {$2500.00} without any notice or explanation as to why this extortionary amount was being stolen from my account ( by automatic payments ). {$700.00} extra a month for a XXXX  mom raising XXXX kids, that's a hard hit. When I noticed this, I called, and sent emails trying to get some sort of explanation on the matter. After several phone calls, and being told it was because of a change in my " taxes '' I sent in my actual tax statement, and was told it would be corrected. It still has not been. Also, I was charged twice for my home owners insurance, and no one could explain this to me either. I keep being told someone from management or " higher '' up will contact me to resolve the issues at hand, and my payment has still never been fixed. I was told that I have a two month " cushion '' on my mortgage. A cushion I NEVER asked for. Never authorized. No one takes this seriously and no one cares. They keep sending me letters in the mail saying I have applied for a new loan with them when I have never applied for a new loan. Never applied to refinance. Never.
Product: Credit card or prepaid card

I recently reviewed my credit report, this account was opened without my authorization. Please send send a copy of the original application and a copy of identification used this account.
Product: Payday loan, title loan, personal loan, or advance loan

From XX/XX/year> to today XX/XX/year> I attempted to payoff my off my {$4200.00} loan with advance financial via their website, mobile app, and by calling their customer service numerous times, using my XXXX XXXX XXXX. In every instance Advance Financial would say your DEBIT card is being declined or not being accepted. I would tell them this is not a debit card its my XXXX XXXX and I have contacted XXXX and they have validate the account is in good standing, and the roughly XXXX I am trying to pay advance financials should go through. They are not the ones blocking the transaction. The customer service rep would then tell me " well it must be because you can not pay off a debt with another debt. '' To which I replied that is not true and infact illegal. The means by which I finance my payments are irrelevant, a dollar is a dollar,
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Money transfer, virtual currency, or money service

I was paying a merchant in XXXX via paypal and paypal asks if you want to pay in local currency or with a conversion rate they specify. I selected three separate times to pay in local currency and then it asks me to log in. On the final screen it does not show that it has switched to the paypal conversion rate even though I selected local currency 3 times.
Product: Money transfer, virtual currency, or money service

Zelle I used Zelle when they said they couldnt help once your money is sent and I have gotten scammed
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 card or prepaid card

Very simple. I used the card for business transactions XXXX XXXX XXXX   XXXX. I shipped a tv from XXXX XXXX IN XXXX TO XXXX. XXXX   damaged the tv and I never received it. Wells Fargo denied my claim to dispute the {$110.00} charged to me to ship it and I never even received the service. This is not the first time I have tried to get money back from a bad transaction before. I never even got far the rep was so mean and discriminative. They just dont help you. I want my money back. My tv is gone! Damaged. Im in XXXX I can not go back to XXXX for a damaged tv. The tv is stuck in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX refuses to remove this debt that has been settled from my account and off their systems. They are in violation of 15 U.S. Code 1681i ( 5 ). 
ThXXXX XXXX  account has to be removed immediately!!! XXXX XXXX XXXX  XXXX XXXX the supposed creditor is not the disputer behind these allegations, its TransUnion and XXXX  who continues to violate the State and Federal Laws. I have given proof over and over again. 18 U.S. Code section 1001, And 42 U.S. Code section 408.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

This is the XXXX XXXX credit card issued by wells fargo. 
Someone took this card that i haven't used in a year and went on a shopping spree. I have no clue where it is and I thought that this account was closed last year.
Product: Credit card or prepaid card

I've been paying my card faithfully on time. It says my credit limit is {$1000.00}, my balance is {$740.00}. It says available credit is {$0.00} and it will not allow me to use my card. I didnt receive anything saying why. They don't offer online or email contact and with my schedule I cant call to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX spring oak llc, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # 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