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

OnXXXX i called Comenity BankXXXX to request a payoff amount for that day. I was told I could use the online calculator to get the full payoff for that day. My statement balance was {$2200.00}. Comenity 's online payment option said the payoff for XX/XX/XXXX would be {$2300.00}. That's {$2200.00} for the balance and {$22.00} for interest ( I figured this out today XXXX ). I paid {$2300.00} in full that afternoon. On XX/XX/XXXX, Comenity/XXXX credited my account with {$22.00}. I called Comenity to ask why I received the money. The operator said it was an overpayment. On XX/XX/XXXX, I checked my credit report and noticed my payment still was not posted on all three credit bureaus. On XX/XX/XXXX, I called Comenity/XXXX billing to ask about the credit reporting and I was told I owed {$22.00}. The representative said the fee was because I didn't pay my bill in full in XX/XX/XXXX and that was the fee. After great frustration I asked to speak with a supervisor. She came on and said basically the same thing. She refused to say that they may have made a mistake. She said the fee was because I didn't pay my bill in full for XX/XX/XXXX. She also said the representative on XX/XX/XXXX said I requested a refund. I did not. They said I over paid. She acknowledges it takes 2-3 for a refund to post, but somehow this was instant. At this point, I feel that I was over charged. Instead of marking my account paid in full I have been told 6 different stories. I want this {$22.00} cleared off my account and my credit report to accurately reflect that I paid my bill on time and in full on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accurate Collection Accounts : XXXX XXXX- shows that account is still open and 7 late payments. This information is incorrect. This account is paid off in full on XX/XX/2022 and no payments were ever late. 


XXXX XXXX XXXX- I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX XXXX I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report XXXX. XXXX, XXXX - I have no knowledge of this account. This account is a fraudulent account and should be removed from my credit report Inaccurate Hard Inquires : XXXX XXXX- this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it XXXX XXXX - this inquiry is fraudulent. I have no knowledge of this inquiry nor did i authorize it
Product: Credit reporting or other personal consumer reports

Today, I was alarmed to find unauthorized inquiries on my credit report, and I dont understand the reason. As I reviewed my report, these discrepancies appeared without warning. I even refreshed my browser to rule out any temporary error, but the inquiries remained. I urge you to carefully examine the documents I submitted so that I dont have to worry about this issue again.
Product: Mortgage

We accepted an offer on the purchase of our current home on XX/XX/XXXX. We were told the buyers were approved for the agreed purchase amount through a USDA backed program. A settlement date on or before XX/XX/XXXX was targeted and agreed upon by all parties. On XXXX we were told appraisal came back at contracted price with no repairs & file from the lender was being sent to USDA that day. We were told to be prepared to be out of house & close XX/XX/XXXX. We rented a storage unit & spent holiday weekend moving out. We purchased & scheduling deliveries for appliances & furniture for new home. On XX/XX/XXXX we were told there had a been incorrect information. Paperwork NOT filed with USDA. Told buyer had a XXXX and was slow to turn in required documentation. Settlement postponed to unknown time. We spent a lot of time and more money postponing/rescheduling deliveries and rescheduling deactivation of services at current residence and new services at new residence. We had to extend rental agreements for storage. We required daily updates from buyers team in extension contract. Updates were not received as agreed- vague and late. Our realtor reported having to request multiple times some days to get update. We couldn't get a clear date/time, plan, or explanation about what problems were. suspicious there was something more than USDA back log. Our extension expired XX/XX/XXXX. Were told conflicting information about USDA processing time but to plan for closing sometime week of XX/XX/XXXX. We were told it was rare for USDA to not approve a file. We were encouraged to move out again and also arrange for utilities, mail, appliance delivery etc at both residencies. On XX/XX/XXXX at XXXX, we were informed the USDA did NOT approve the application and that more documentation was required by buyers. Believe there is risk that this couple is not qualified. Spent XX/XX/XXXX and XX/XX/XXXX moving back in and once again, establishing/canceling services, delivers etc. spent hours on the phone with utility and post companies. Had to reschedule XXXX year old sons birthday celebration and spend time at home waiting on XXXX to fix re-connection issues.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. I have disputed the same identical accounts Experian has done nothing to remove these same accounts.
Product: Credit reporting or other personal consumer reports

These Inquires were unauthorized and i am a XXXX  of identity theft. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I can not get in touch with a real person to discuss my concerns.
Product: Mortgage

I purchased this home as my principle resident in XXXX with another lender, shortly after closing Ocwen became the servers of the note. In XXXX XXXX I made arrangements to pay my XXXX tax in monthly payments of {$260.00} with the Tax Assessor office. Later I get this notice from Ocwen that they have paid my tax for XXXX and XXXX. I told Ocwen of my payment arrangement and that my XXXX tax was not due. They created an escrow account to pay my tax and ins. I never had an escrow account during the life of this account. My mortgage payments went from XXXX.to XXXX in a pass due notice date XXXX/XXXX/XXXX. I never stop making my monthly payments of XXXX. Each time I would may a payment they would suspense the payment instead of applying to the loan. Ocwen called me about this late payment I paid over the phone and again on line thru my on line banking resorting in an over payment in XX/XX/XXXX. The record show I send my XX/XX/XXXX payment on XX/XX/XXXX Ocwen rec 'd on XX/XX/XXXX.. My current statement dated XXXX/XXXX/XXXX show an increase in payment from {$670.00} to $ XXXX.due to an interest increase from 6.60200 % to 7.25000 % with no explanation.
Product: Money transfer, virtual currency, or money service

Hi. I have made two transactions through MoneyGram app sending money from my Brazilian online debit card money to myself here in the XXXX. There were tree options to receive the money. I chose XXXX. I went there and they didnt let me to cash it out because their policy doesnt allow the same person being the sender and the reciver. I asked to cancel the transactions and give me a refund from XX/XX/XXXX of 2024 until today, many times through phone calls and emails.Today is XX/XX/XXXX and they havent canceled neither refunded me. I would like to say the XXXX is a dishonest company. It should NOT being business. I am having being distressed and had an episode of XXXX XXXX. 

First transaction : XX/XX/XXXX Reference XXXX : XXXX Amount : XXXX USD Second transaction : XX/XX/XXXX Reference n : XXXX Amount : XXXX USD
Product: Mortgage

I spoke to a representative XXXX XXXX from penny mac. This is in regards to refinance of my current mortgage that I have with Pennymac. We began to speak in XXXX. I was directly stated that if there was no chance or poor possibility please dont waste my time. I handed him all my credentials and he assured me all will be good. I was then referred to another representative XXXX. My mortgage was on hold but when I spoke to XXXX after weeks of him not getting back to me he assured me again we were fine. I was never able to communicate with XXXX he didnt respond to my calls or my messages. He finally asked for more information that was requested. I sent it within 24 hours. He never communicated after that. I found out through a web page I was denied. After more than 2 months of assurance this was not supposed to happen. I was completely honest and there was no surprises at my end. This man was pulling me along and now rates have risen significantly.
Product: Mortgage

I am with a mortgage company called greentree services. This company forces insurance on the buyer. If u do n't have house insurance, they will take it from your regular mortgage payment and then call you and tell you that you was short on your mortgage. They calls your job after hours forcing you to make payments and the 15 day grace period does n't even be over. The representative s are very rude and threatened foreclosure after being late a week. I have a fixed rate mortgage and they have went up on my house note at least XXXX bucks monthly. This company also forces escrow on the buyer even when you tell them you will rather pay your land taxes at the courthouse. If you send them a extra payment by just sending them a house payment earlier, they will apply it to the principal instead of the mortgage. So very tired of all this. XXXX rep even told me, if you ca n't afford the house, sell it but pay us when you do. I need help, fast.
Product: Debt collection

This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong I am writing to formally dispute the inaccurate reporting of the account ( XXXX ) listed under my name. Despite my previous requests, Failure to resolve this issue promptly may leave me no choice but to pursue legal action to seek damages for any harm caused by this erroneous reporting..If not resolved, I will sue for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested XXXX Transunion and XXXX  remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my home address. Please verify and delete immediately
Product: Payday loan, title loan, or personal loan

I applied for a loan with this company for {$5000.00}. I made multiple payments and they didnt report them to the credit bureaus. I then fell into a situation where I was laid off and had the insurance where if I lost my job the loan would be paid off. I provided proof of this to them. Since then the have reported negatively charged it off and still continue to add interest each month to my account and pull my credit report without my permission. They have done this four times different months. I have tried to dispute this and they wont stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX  # XXXX & Credit Acceptance # 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 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

reported to XXXX XXXX and equifax credit that i was credit hacked and that the bankruptcys and XXXX XXXX  and XXXX  and several other companys were not mine and i have reported this to the police so i am asking for this department to help me in this matter i sent a fcra demand notice to all companys that states they have 4 business days to remove and or block
Product: Credit reporting, credit repair services, or other personal consumer reports

I kindly request that you remove the inaccurate account from my credit report. As shown in the attached documents, this account is not mine, and I did not authorize anyone to use it. Please take action to remove this account as soon as possible.
Product: Credit reporting or other personal consumer reports

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Police enforcement, submitted FTC Identity theft affadavitm, called XXXX multiple times, and the furnishers to explain about FRAUDULENT CREDIT INQUIRIES. I have submitted multiple CFPB reports about this problem. My personal information was used without my permission to applications. I demanded these fraudulent inquiries be deleted. I was told by XXXX rep that companies have to respond back to their request in 30 days for inquiries to be deleted but IT HAS BEEN OVER 30 DAYS YET FRAUDULENT INQURIES STILL ON MY XXXX CREDIT REPORT!!! 

1.XXXX  XX/XX/2021 2. Ally financial XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 4. XXXX/ XXXX XXXX XXXX XX/XX/2021 XX/XX/2021
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated and saddened that this keep happening. I been trying to close this card for years and this company would never close it. I don't use this card at all. I recently checked my credit and they put a late payment on my credit that is not correct. They are saying the annual fee of the card caused me to be late. 

I didn't charge this card or purchase anything so a annual fee can not be counted as a late payment. Remind you I been trying to close this account for years. They are taking advantage of me by keeping this card active so I can pay them a fee every year which is fraud. 

they have done this a few years and its a violation of the FCRA. I have never been late because i simply dont use the account and it should be closed.
Product: Credit reporting

NOT A DEEP INVESTIGATION. THE NEGATIVES ARE NOT MINE I 'VE LISTED THEM. 
XXXX INQUIREIES-NOT AUTHORIZED ( XXXX XXXX IS TAKING OFF ) XXXX XXXX-SPECIFIC REASON FOR DELETING-PAID OFF-INSURANCE-ID-XXXXXXXX PAID BY INSURANCEXXXX XXXX BY MEDICARE-DELETE-REASON TO DISPUTESENTRY RECOVERY-SPECIFIC REASON TO DELETE-NOT MINE ID USED TO RENT APARTMENT/MISUSE OF XXXX VERIFY WITH DOCUMENTS STATE ETCSUN LOAN-PAID OFF REASON TO DISPUTE-SPECIFIC-PAID OFFBUSINESS AND PROFESSIONAL-SPECIFIC RESON TO DISPUTE-MEDICARE PAIDXXXX XXXX XXXX-SPECIFIC REASON TO DISPUTE-PAID IN FULLXXXX XXXX BILLING-NOT MINE WRONGFUL ACCOUNT-SPECIFIC RESON TO DISPUTEXXXX XXXX-NOT MINE SPECIFIC REASON TO DISPUTE
Product: Bank account or service

I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 ONLINE INFORMATION SERVI : OPENED XXXX XXXX, XXXX  OPEN BALANCE {$310.00} ORIGINAL CREDITOR NAME XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX data breach and Identity Theft. Kindly block and delete the account within XXXX business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Please delete now!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX