23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I went to Marshalls  in XXXX on XX/XX/31 for I had about XXXX in gift cards and that should have worked towards my purchases for reason they did not and there computers were down for the gift cards or something happened where they didn't work only thing I had on me at the time was my tj max credit card for the whole amount the purchases this was not my fault at all and there was a full XXXX on the gift cards that I had since that was a company error I would like a XXXX credit of my purchases from that day at Marshals. I have emailed Synchorcary bank corp offices over the last 2 weeks several times and no in the company has responded to me what so I think they are ignoring me and don't want to dress my issues I just need a XXXX, XXXX credit put on my account for the purchases I made that day since this was not my fault at all synchonary bank has not responded once to my emails at all
Product: Payday loan, title loan, or personal loan

In XXXX a payday loan was opened to assist purchasing a vehicle after theft. Loan was paid and reopened with lower amount of {$25.00} less each renewal. 
After personal reasons of filing Chapter XXXX bankruptcy XX/XX/XXXX, Check into Cash continues to harass by calling by different numbers & demanding payment each time being a different greater amount than previously claim I owed. {$270.00}, {$320.00}, {$520.00} and now {$670.00}. Company claims they are using 3rd party to collect and will submit my info for judgement.
Product: Mortgage

My mortgage company, PHH Mortgage, failed to pay my property taxes in XXXX even though my escrow balance had the funds to cover it. I did not learn of this until XXXX when I was filing my taxes. I tried contact them many, many times to remedy, and ended up paying the property myself, including late fees. Every time I contacted I kept being told that it was being contracted through a third party and I needed to be patient. I was never informed anywhere along the way of this status, or if my mortgage company needed anything from me. 
PHH is now refusing to reimburse me for the late fees. I've since closed my escrow account with them so I never have to go through this stress again. That is thousands of dollars of my money that PHH held onto for months.
Product: Checking or savings account

My account has been closed for 2 weeks with no reasoning of it being closed please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to purchase a home and I would like if the repossession remark be removed from the comments, also Ii dont believe I was ever late on my payments so Im respectfully requesting in good will that they be changed. According to the FCRA Im in my rights
Product: Mortgage

LoanCare has gone out of it's way to perpetuate an increased delinquency in my account for no reason. 
In early XX/XX/2018 I lost my job for a short period of time. I called LoanCare, they claimed to want to work with me. Because I had fallen behind they locked my online access to my account, I called repeatedly requesting my monthly statements be mailed to me. I never received them! When I returned back to work in XX/XX/XXXX I began making weekly payments. All of the sudden in XX/XX/XXXX I get a statement telling me I'm in danger of going into foreclosure for non payment. All the weekly payments I had been making were placed in my escrow account. I was never notified that this was happening. I called on several more occasions requesting how to have my payments re-allocated. I was told by 3 individuals to email the customer service department and they would be able to help me. I received nothing more than the standard email acknowledging the receipt of my email request. No matter how many times I called for an update, I got told I submitted my email request incorrectly. Finally after the third attempt I was told that it is IMPOSSIBLE for my payments to be reapplied and furthermore there was no money left in the account after all the charged fees had been removed. I have had over {$4000.00} in fees removed from my escrow for lawyers, appraisals and court fees without my approval or knowledge!! My last 2 payments for the year were accepted as full payments but put into a suspense account due to them placing my account on a hold causing my account to show no payments for 6 months. I had {$14000.00} in payments withdrawn from my account on {$16000.00} in mortgage payments due for the whole year. Yet, my account has been put into foreclosure, my credit is ruined and the only conversation they are willing to have with me is to do a loan modification. They will not provide for me a detailed payment application file. 
I filed the modification paperwork because I really didn't have a choice. While I was waiting on the approval/denial I received a letter stating that I had over $ 4K in overage in my escrow account but they were refusing to send it back to me due to my account being delinquent. 
It was deemed that I qualified for a loan modification, however they want to jump my interest rate from 4 % to 4.875 % which causes my payment to increase {$130.00} a month and add over $ 9K to the back of my loan. I can't afford that! I have yet to receive the requested payment receipt report from them to match against my records. No one is willing to give me a straight answer as to why my payments were allocated the way they were and why my account was placed into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b 1. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect late payment reports on my XXXX XXXX XXXX, issued by XXXX XXXX XXXX, for XX/XX/year> and XX/XX/year>. I have made several attempts to resolve this issue directly with XXXX XXXX customer service. Specifically, I have contacted their representatives on three separate occasions, explaining that these late payments are inaccurate and requesting that they correct the information on my credit report.

Each time, I was told that my case would be reviewed, and I would be contacted with a resolution. Unfortunately, I was never contacted, and the incorrect late payment remarks were added to my credit report. These remarks have negatively impacted my credit score.

Despite my attempts to resolve this issue directly with XXXX XXXX, no action has been taken to correct the inaccuracies.

I also attempted to dispute the inaccuracies directly with the credit bureaus, but each time I was told that the late payments were verified by XXXX XXXX, yet no documentation or evidence was ever provided to support this. To make matters worse, XXXX XXXX and XXXX XXXX were recently fined for incorrectly reporting information and mishandling customer disputes. I believe I am a victim of this same behavior, as my attempts to resolve this issue have been ignored, and the incorrect information continues to negatively affect my credit report.
Product: Debt collection

Note : I have ( 2 ) previously satisfied accounts through this vendor. On XX/XX/2021, I purchased a product through Acima ( Lease-to-Own ), with a ( 90 ) day option to satisfy the purchase agreement. On XX/XX/2021, I called Acima to determine the ( 90 ) day option ending date, and the amount needed to satisfy the agreement. An Acima employee stated : " The ( 90 ) day option expires on XX/XX/2021. '' On XX/XX/2021, I called Acima, prepared to satisfy the ( 90 ) option agreement amount. An Acima representative informed me, the ( 90 ) day option expired on or around XX/XX/2021. I referenced the previous call and asked them to review the notes from the previous contact. I was informed there weren't any notes of the call, and I would be charged the entire amount. I am of the belief, Acima misrepresented the terms of the agreement. I have purchased several products through a " lease-to-own '' company, and never had any issues with the terms and conditions. Acima advertises as a " no credit needed '' solution for purchases ; however, Acima has placed a " delinquent account '' notice on my credit report.
Product: Debt collection

This XXXX wireless dept of {$2300.00} is not mine, i live in Puerto Rico.Someone stoled my ldentiti. I have a bad credit because of this dept.its ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit agency with a police report from XXXX XXXX XXXX, affidavit, and also my ID and submitted these forms to them along with identity theft report. The credit agency denied that I was a victim of XXXX XXXX when clearly shown proof of crime. I also called the agency by telephone several times about the issue with still no resolve. 

My rights have been violated because they did not provide reasonable determination investigating of provided evidence of crime according to the fair credit reporting act of 1970
Product: Credit reporting or other personal consumer reports

I would like my account to be updated as paid as a great Account number XXXX my account has never been late but yet the credit bureau saying I am late for XXXX and XXXX which one is it By law, my account should be reporting 100 % accurate. This account is in accurate. Please update to paid as agreed are OK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in 3 letters with documentation to have incorrect information removed from my report that the legal officer on base gave me. I also received a letter from the XXXX county bankruptcy department in regards to a bankruptcy that doesnt belong to me and since it wasnt verified by the courts. I know there is no way it was verified properly. I asked the courts to have it removed and they told me since they didnt report it they couldnt remove it. So I sent the paperwork in to XXXX  and it is still reporting on my credit report after it was once removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed a certified letter with supporting documents to Equifax disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and Equifax refused to correct the account information. Instead, Equifax entered a comment on both accounts that states " consumer disputes account ''. 

On XX/XX/2019, I mailed a certified letter with supporting documents to XXXX  disputing the account status of two accounts that were included in bankruptcy. Both accounts are currently reported at Charge Off which is inaccurate, since the two account were included in my bankruptcy. ( USPS tracking # XXXX shows that the letter was delivered on XX/XX/2019 ). Ive disputed the accounts twice, and XXXX  refused to correct the account information. 

XXXX  is the only credit bureau that is accurately reporting the two accounts at issue. My XXXX   credit report shows that the XXXX and XXXX accounts were both included in bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my 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 XXXXXX/XX/XXXX
Product: Credit card

Tried getting a credit line increase on my Barclay card but had to go to their security to verify my identity. They initially pulled XXXX but then I had to talk a different representative and they pulled XXXX too and I want the hard pull removed from XXXX. I 'm very livid that they would chose to do a different pull from a credit report despite the fact that I had only asked for the standard XXXX pull inquiry. They did not inform me that they would n't be using the same XXXX inquiry from the same day but pulling from a different bureau.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/year> XXXX Dear Credit Bureau, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your promo response to this issue. Please be so kind to forward documentation that you have had the unauthorized inquiry removed. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to resolve an issue on my credit report regarding accounts that are in pending litigation and inaccurately reported. Ive reached out multiple times, and its incredibly frustrating that nothing has been done to address this. These inaccuracies are negatively affecting my credit score and creating unnecessary stress.
Product: Mortgage

I currently have an open HELOC through XXXX. On XX/XX/year>, I submitted a request for a withdrawal of funds from the HELOC and the website stated that it would take 2-3 business days to receive the funds in my account. On XX/XX/year>, I contacted customer support ( through email only as they do not have a phone number ) as I did not receive funds. I received a reply back ( the same day ) that the designated team was looking into the delay. On XX/XX/year>, I contacted them again as the funds were not in my account and I received a response that it was being investigated with no further explanation. On XX/XX/year>, I did not receive the funds or an email response so I reached out to the company via XXXX XXXX. I received a reply back stating I would receive the funds on XX/XX/year>. On XX/XX/year> I sent another follow up email and a XXXX XXXX message as I did not hear back regarding the delay and funds were still not received. On XX/XX/year>, funds were received but I did not receive an explanation for the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a product of a security breach I have fraudulent information reporting on my report. Attached will be a copy of my FTC report and ID
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from mu report. 

XXXX  XXXX {$4000.00} XXXX  XXXX {$5300.00} DEPT OF EDUCATION/XXXX  XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX, I filed a dispute with this Credit Bureau about the unverified collection account XXXX XXXX Account number XXXX. In those 2 monthsI have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these inaccuracies as of today. Thank you
Product: Credit reporting 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. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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, credit repair services, or other personal consumer reports

I received a letter in the mail from AmeriSave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX informing me of a credit report pull. Its states that I applied for a mortgage loan which I did not. 
Date ordered is XX/XX/2022 I attempted to speak to a representative at this location ( XXXX ) however nobody answered the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX There should only be XXXX address listed on my report, which is XXXX XXXX XXXX, NJ XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXXXXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion has a closed student loan account that is reporting inaccurate information on my credit file. The account that is closed is in the amount of {$2300.00}, this is inaccurate as I have no loans in that amount. When I refi the student loans with XXXX all the loan amount were included does not have the amount Reported by the This accounts is inaccurate and it violates consumer law statute. The statute that was violated is 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX  XXXX XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXX XXXXXXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting the run around from Transunion regarding inquiries. Transunion has been deleting inquiries from off my credit report that were not endorsed by me and then reinserting these same inquiries without legally notifying me in what they have done after they made a public statement regarding this issue. I called their customer service number XXXX close to a dozen times to have all these inquiries removed via Section 611 of the FCRA regarding being notified within 5 days of any changes to my credit report/file and they still would not listen to me. I have contacted Transunion a total of close to a dozen times now and have been on the phone on average 45 mins to an hour trying to get this situation taken care of and they refuse to help and recognize I was a victim of their inquire impact. These are the 3 inquires are : Openend Credit XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX