23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage carrier is Carrington Mortgage Services LLC, and they have increased my escrow payment from {$370.00} to {$690.00}. Their reason was because my property tax statements from XXXX XXXX to XX/XX/XXXX were for total due {$3500.00}. Then the following cycle XX/XX/XXXX. XXXX to XX/XX/XXXX double to total due {$7300.00}. The reason for this double amount was because I did some energy efficient improvements on my house through the XXXX XXXX. This program allows you to pay the loan back through my County Tax statement every year. So, the additional or supplemental tax from the XXXX XXXX of {$3700.00} caused my escrow balance to become negative for that amount. They recalculated my escrow projected amount on XXXX to the {$690.00} amount. I explained to them I'm a senior citizen on a fixed income and couldn't avoid a {$300.00} jump in my monthly payment. Upon finding out my escrow balance was negative I paid the {$3700.00} on XXXX XXXX. The only thing I wanted Carrington to do was ignore the XXXX   supplemental tax portion moving forward and I would be responsible for this part of my tax bill which would move my escrow charges back to {$370.00} instead of the {$690.00}. The tax department attempted to have the supplemental tax from the XXXX XXXX taken off my tax statement. So, there have refused to do so. In their projected escrow analysis they are assuming a value. They don't know what my XXXX   supplemental tax will be for XXXX XXXX XXXX XXXX. I may have paid down the XXXX balance due or I may have paid it off. By making this assumption and charging me the additional {$300.00} I could be using that money to pay down the XXXX  balance. Please have them put my escrow payment back to the previous calculation and allow me to be totally responsible for the XXXX  supplemental part of my property tax bill. It that simple of a request. I'm attaching 4 documents to support what I've outlined about.
Product: Debt collection

Sent letters to credit bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt. 

company updated credit report " verified '' without providing proof of debt
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. 

XXXX XXXX XXXX XXXX  XXXX, Account # XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX XXXX ( Originator - XXXX XXXX XXXX XXXX ), Account # XXXX, has violated my rights XXXX ) XXXX XXXX XXXX XXXX XXXX ( Originator XXXX XXXX XXXX Account # 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.

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 or other personal consumer reports

Credit Karma said I had outstanding approval odds when I did not and it dropped my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows accounts in collections, chapter XXXX bankruptcy covered these items. Currently XXXX XXXX of XXXX shows 2 collections accounts and XXXX XXXX shows 1 collections accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my accounts is showing closed, when it should be showing as still open. I have been faithfully paying on it for the past couple of years ( which shows on the credit report ), but the account is erroneously showing a closed status.
Product: Credit reporting or other personal consumer reports

When checking my credit report on XXXX there is a charge card listed XXXX XXXX XXXX XXXX XXXX XXXXhat opened on XX/XX/year> that I did not open. There is a balance of {$920.00} that is not mine. 

In XX/XX/year> I attempted to dispute this with the company listed XXXX XXXX XXXX and they had sent me many things that they need but I am unable to do this by myself. I need help getting this figured out please.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I file a dispute to resolve 2 accounts on my credit report that have negative information. Both accounts have been paid and satisfied in full. Equifax and others still has the accounts showing as a charge off, and will not remove the payment history of the closed accounts. Resulting my credit report to have negative information and a negative impact, instead of listing the accounts as paid in full. This information has stopped me from utilizing my credit.
Product: Credit reporting or other personal consumer reports

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

XXXX : 1. The following personal information is incorrect Former : XXXX XXXX XXXX  2. The following personal information is incorrect Former : XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 5. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 


XXXX : 1. The following personal information is incorrect Date of Birth : XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed. 

TRANSUNION : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA 4. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( i ) ( 3 ) .Restriction on sharing of medical information. This medical collection is in violation and must be removed
Product: Money transfer, virtual currency, or money service

I had all but completed a complaint but had to leave the web page to try to find a account number for PayPal which does not exist. I will add a summary here : More than 2 weeks ago I tried to link to my PayPal account a bank account that I could use to transfer money economically and on a timely to basis XXXX. 
I have spent literally hours on the phone - at least XXXX as measured by my IPhone, usually an hour or more hold time, plus as much as an hour sometimes in trying to solve the dilemma. The dilemma revolves around the fact that they don't accept my XXXX phone number ; so, they had me arrange for one of my children 's phones in the US to be used and authenticated, and it has been so authenticated. 
The problem with PayPal is that they will not except my email, as half dozen other firms do, for authentication purposes. They insisted on the phone number. 
Two or three times they ran a series of, security questions, from who knows where. These are not questions that I had submitted answers to. They were questions like, what was the color of my XXXX car ; one possible answer was green and one possible answer was blue. Well I had one of both bought within a month of each other ; XXXX XXXX chance of failure. 
Another time they had someone who didn't speak XXXX, and I couldn't understand her and she couldn't understand me. 
Then there's the issue that I have it son and a grandson with the same name as me, and I think they were asking me their questions about their addresses and so forth. 
For the last 10 days I kept calling back because they were telling me to call back in XXXX to XXXX hours for more security questions. Today, they told me there will not be any more security questions. I am just out of luck. 
Finally, 10 days ago I accepted their suggestion to take out a free debit card from PayPal in order to draw out the money. That would not be very convenient, but at least I could get the money out. That was promised within 7 working days which is past, and it's still not been delivered to my forwarding address - much less to me in XXXX.
Product: Student loan

UHEAA has failed to provide income sensitive/income driven repayment plan request forms to me after several requests. Over the past 2 years I was  XXXX   XXXX , and have been unable to make the requested payments on my student loans. UHEAA has not provided requested assistance to have applicable forms sent to me vi a USPS. I  do not have a printer or a fax machine, and after the threat of having my account default and sent to collections, I had to spend money that was reserved for groceries and utility bills to have The UPS Store print forms out for me. When I visited UHEAA 's website to obtain the forms I needed, the links they provide on their website to access their forms section are broken and lead nowhere. After finally accessing the forms section and printing the documents I needed, I attempted to submit my forms via fax, only to find the fax number printed on their forms ( (  XXXX   )   XXXX  ) is an invalid number. I called UHEAA to obtain the correct fax number, reached a pre-recorded message that listed their fax number  as (   XXXX   )   XXXX  ... which is also invalid! This number is an actual PHONE number. I called UHEAA to complain about this, and was told by the customer service rep that their actual fax number is  (   XXXX   )   XXXX . I was told by the rep that she receives multiple complaints about this daily ... .yet they do not correct this issue. I took the risk of submitting my forms via email, which I understand is not recommended due to the sensitivity of the information contained on these forms, because I do not trust this company and want my communications with them to be documented from now on. This company appears to be crooked and it is unfair to make it nearly impossible for someone with the inability to repay their student loans to be placed on an appropriate repayment plan.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC are illegally reporting derogatory information regarding a collection in the amount of {$1400.00} on my credit report without any legal or proper authorization. I have never signed or authorized any contracts, agreements, or applications with LVNV Funding LLC nor have I provided any form of identification that would permit them to legally report such information. Despite many requests, LVNV Funding LLC has failed to provide a copy of any signed documents, including a wet-ink signature, that would validate their claims. Their inability to produce such proof raises serious doubts about the legitimacy of their actions and the validity of their reporting. It is clear that this is not a legitimate credit transaction with this third-party agency. 
In light of their violations, I am not only disputing this inaccurate reporting but will also be filing additional federal and state complaints against LVNV Funding LLC. I demand proof of my identity, as I have never given this agency any form of authorization to access or report my personal information. Their actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for the sharing or reporting of such information. LVNV Funding LLC failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. I hereby request that the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure the removal of this unlawful derogatory information from my credit report.
Product: Credit card

BoA The following, they offered to give me {$200.00} if I spend {$1000.00} in the first three months. I did it, but they never gave me the promotion. In fact, they said that there had never been such a promotion.
Product: Checking or savings account

I received my trust fund funds from XXXX  on XX/XX/XXXX and deposited the funds into a new account with chase. They released the money on XX/XX/XXXX but on XX/XX/XXXX they froze my account with the XXXX In it. I went to the bank several times and gave them the XXXX  contact number of which they refused to utilize. They closed my account XX/XX/XXXX and stated they didn't have the money as it never cleared. I got confirmation from XXXX  that the check had indeed been cashed by chase bank. I took a copy of the proof to them on XX/XX/XXXX and they are now refusing to talk to me or the people at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not consent to, authorize, nor benefit from any of the following inquires. Block and remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFBP I am filing a complaint against Wells Fargo Card Services for failing to remove an unauthorized inquiry on my XXXX credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. 


Thanks for you help in this matter, XXXX XXXX XXXX
Product: Credit reporting

I am having issues applying for credit because of this fraud alert that is on my file. I have tried to log in to review my report to see what number is reporting to contact me and their website has changed the review report again link and it is not letting me view my report. I would just like to remove this fraud alert completely from my file. I have purchased a credit monitoring service and have guarded my report in this matter. Please remove the fraud alert from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

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

I received a 1099-C releasing me from the dept on a vehicle but the XXXX credit bureau will not remove from my credit report. The amount shows {$11000.00} that's dated XX/XX/2022 from Ford Motor Credit Co .
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't remove a credit freeze on my Equifax account. I needed to apply for a new credit card but the application got blocked by Equifax. I went online multiple times over the course of the last several months, the most recent time being today XX/XX/2022, and it still shows the message stating that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' even though I have waited months for this " temporary '' issue to resolve. I also tried calling multiple times and their automated system wouldn't verify me to allow me to speak to a representative.
Product: Checking or savings account

I XXXX XXXX ; XXXX am writing you today as an aggrieved man. I notified PNC Bank of unauthorized transactions on my account a week ago. I have yet to receive my stolen funds back into my account! The claim number is as follows, XXXX. I have also attached a letter from XXXX XXXX, one of the accounts that fraudulently stole funds from my account stating this account is fraudulent. They have closed the account and removed it from my credit reports. So why did PNC Bank deny my claim? Why are they not returning my stolen funds?
Product: Credit reporting or other personal consumer reports

I am writing to report that inhave been a victim of identity theft. over the past five years inhave been exposed to muitiple data breaches which i believe have led to unauthorized activity and fraudulent accounts being opened in my name. The unauthorized accounts and activities Include : EXPERIAN fraud account/inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraud accounts/inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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. I have taken steps to address this Issue including contacting the companies where the unauthorized accounts were opened and filing disputes with the credit bureaus, however i continue to experience difficulties in resolving these issues and ensuring that my credit report is accurately reflecting my financial history.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute an unauthorized credit inquiry on my credit report. I have noticed that the company XXXX, through CREDCOXXXX  XXXX, conducted a hard credit inquiry on my report on XX/XX/2024. 

I would like to point out that, on that date, I was a minor and did not authorize this credit inquiry. Since such inquiries require prior consent from the credit holder, I request that this inquiry be removed from my credit report immediately. 

I would appreciate your prompt attention to this matter and written confirmation of the removal of this inquiry from my credit history. If necessary, I am willing to provide additional documentation to support my request. 

Thank you so much.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report for no reason. I always check it regularly, and this time, I couldnt believe the discrepancies I saw. I even refreshed my browser, thinking it might be a glitch, but the wrong accounts were still there. Now, Im asking for the documents Ive sent to be reviewed carefully so I can finally have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of the Fair Credit Reporting Act and have violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

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 for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report is showing hard inquiries on my credit report. I absolutely never authorized this. I believe someone has been trying to obtain credit on my behalf and that I am a victim of identity theft. I have contacted the police and have consulted with a lawyer. I have asked them to show me proof that it was me and they could not. I have disputed this with experian and was basically dismissed and was told its not a big deal. I want to know who I should complain to and who I should sue because this isnt right.