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

XXXX  sent me a copy of my credit report file  XXXX  on  XXXX / XXXX / XXXX . Someone applied to  SYNCBBP  DC on  XXXX / XXXX / XXXX  for credit in my name. I initially had a fraud alert on my credit file, then removed it in order to rebuild my credit and establish new accounts. These inquiries that are not authorized are hurting my score and a false representation of facts being reported in my file.    XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  NJ  XXXX    XXXX    Attn : C omplaint Department   XXXX   XXXX    XXXX   XXXX , PA  XXXX  I am writing to dispute the following information in my file. I recently received a copy of my  XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I have been reviewing & disputing inaccuracies a fraud alert has been placed on my credit file, although the damage has already been done. The inquiries are not authorized and I sent supporting documents fro m 2 accou nts as of date stating I was a victim of fraud. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is  for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order T he following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XXXX / XXXX / XXXX  ) admitted fraud apllication company removed SYNCB/BPDC (  XXXX / XXXX / XXXX  )
Product: Mortgage

XXXX XXXX, a lender from Paramount Residential Mortgage, deceived me into believing that the Federal Housing Administration required me to purchase discount points to purchase a home. XXXX XXXX repeatedly stated that the {$8200.00} I questioned would go directly to FHA to buy discount points. XXXX XXXX also claimed that he couldn't lock my interest rate immediately after receiving my loan application and disclosure. XXXX XXXX stated that he needed a completed home appraisal before he could lock in my loan. XXXX XXXX waited two days to lock in my interest rate during inflation. This time lapse caused my interest rate to increase from XXXX to 7 %. Per XXXX XXXX, this increase left him no choice but to charge me for more discount points. After further research, contacting FHA customer service, and speaking to a HUD counseling representative, I discovered that XXXX XXXX 's claim regarding discount Points was false. 

After obtaining this knowledge, I was confined to my Realtor, XXXX XXXX, who did nothing to protect me from this situation because she worked with XXXX XXXX often. XXXX XXXX reported to XXXX XXXX that I would seek out new Leaders. 

In anger, XXXX XXXX contacted the seller 's listing agent in an attempt to force me to sign and pay for the discount point. 
With the help of my realtor XXXX XXXX ( who XXXX XXXX recommended that I use ), XXXX XXXX successfully forced me to pay for discount points that weren't required. XXXX XXXX, a lender from Paramount Residential Mortgage, deceived me into believing that the Federal Housing Administration required me to purchase discount points to purchase a home. XXXX XXXX repeatedly stated that the {$8200.00} I questioned would go directly to FHA to buy discount points. XXXX XXXX also claimed that he couldn't lock my interest rate immediately after receiving my loan application and disclosure. XXXX XXXX stated that he needed a completed home appraisal before he could lock in my loan. XXXX XXXX waited two days to lock in my interest rate during inflation. This time lapse caused my interest rate to increase from XXXX to 7 %. Per XXXX XXXX, this increase left him no choice but to charge me for more discount points. After further research, contacting FHA customer service, and speaking to a HUD counseling representative, I discovered that XXXX XXXX 's claim regarding discount Points was false. 

After obtaining this knowledge, I confined my Realtor, XXXX XXXX, who did nothing to protect me from this situation because she worked with XXXX XXXX often. XXXX XXXX reported to XXXX XXXX that I would seek out new Leaders. 

In anger, XXXX XXXX contacted the seller 's listing agent in an attempt to force me to sign and pay for the discount point. 
With the help of my realtor XXXX XXXX ( who XXXX XXXX recommended that I use ), XXXX XXXX successfully forced me to pay for discount points that weren't required. The only option I was given by XXXX XXXX and XXXX XXXX was to sign the closing documents or lose my {$20000.00} Deposit. 

.
Product: Debt collection

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, 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 XXXX 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 XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$22000.00} 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, credit repair services, or other personal consumer reports

I had a medical bill that I received back in XX/XX/XXXX for XXXX XXXX in the amount of {$200.00}. This bill was paid XX/XX/XXXX. I received confirmation of my payment, and heard nothing else about this account. Then in XX/XX/XXXX, this account showed up as a delinquent account on my credit report across all agencies. The collections group, Paragon Revenue Group, said that they would take care of the mistake, but they did not. 

I contacted XXXX, who took it down within two days and were very helpful. It took 3 tries to get XXXX  to remove it. XXXX still refuses to remove it even after showing them proof multiple times that this account is not delinquent, and even after every other agency has removed it. I had a dispute on XX/XX/XXXX that they said they would not remove it, and another that was completed XX/XX/XXXX. I can't buy a house, I can't do anything with a new credit card, nothing that I wanted to because XXXX has ruined my credit score by keeping this incorrect information on my account.
Product: Credit reporting or other personal consumer reports

Multiple times over the last several years I have gone to unlock my credit with Equifax and there is a system error. The error says to contact customer service and mention code XXXX. Every time XXXX contact customer service and mention that code no one knows. They now have a digital verification system that has me take a picture of my drivers license front and back as well my face. This system does not work. In the meantime I can not access my credit profile and when asking to speak to supervisors. Im told I need to verify myself first. So I can not access my credit profile. Or cant keep my profile locked. Because Equifax system can not reliably manage the lock and unlock. Im forced to either not use my credit or to leave my credit unlocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

n accordence with Fair Credit Reporting Act, everything has to be 1000 % accurately reflecting in a credit report. But that is not the case here. I have sent sevaral certified mail to all credit reporting agencies. Please see attached receipt for record. The credit reporting agency stated that my accountss have been investigated but how is it possible that account holder is not accurate reporte, Last updated amount is not accurate also, original balance is not acurate, past due amount is not accurate in many case, paid off amount is not accurate, account type is not accurate, original creditor is not accurate, and many other inaccuracies in my report. This grounds for removal they also have violated my rights under 15 U.S.C. 1681 602 ( b ) states I have right to privacy. 15 U.S.C. 1681 604 ( b ) Section 2 states that consumer reporting agency can not furnish a consumer report without my written permission. 

These are the accounts that must be removed- 1. Account Name : XXXX XXXX Account number XXXX 2. Account Name : XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked for XXXX XXXX where I encountered medical issues in XXXX. I had to file XXXX XXXX   XXXX. I also had to file XXXX XXXXXXXX XXXX  in XXXX. 

I called XXXX XXXX and informed them I was on XXXX XXXX XXXX in XXXX and in XXXX. I obtained my credit report and I see XXXX XXXX has put late payments on my credit file during this time. 

The entire process I communicated with XXXX XXXX. XXXX XXXX even put me on a special payment plan during this time. XXXX XXXX failed to tell me that they would be reporting late payments while I was on XXXX XXXX XXXX 

This is unethical. I have written several correspondences, emailed, and called XXXX XXXX and have received no response to help me with removing these late payments.
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 Account Name : 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

On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into Capital one and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

multiple calls and messages were not returned, information and many details are not verified and not accurate
Product: Credit reporting or other personal consumer reports

Equifax has removed two my education loans that was paid off and closed well over 19 years then later placed them back onto my credit report with different account numbers. This is an ongoing situation with equifax, the first is an education loan from XXXX XXXX XXXX, account number ending in XXXX, amount {$4000.00} is closed and 19 years old, the second account is XXXX XXXX XXXX XXXXAccount Number CLOSEDAccount Status Last Payment Amount 0Late Payments XXXX XXXXAge of Account Amount {$4000.00} They have failed to remove from my Equifax credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for XXXX XXXX and dept of education to change the balances on the loans I have a XXXX XXXX. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the criminals tampered with a new car loan that I started with PNC BANK in XX/XX/2018 by stealing my mail and other documents that were set up between XXXX XXXX the car dealership where I purchased the vehicle from. Also, he or she called into PNC Bank and changed personal information of mine such as my mailing address associated to my auto loan. 
In addition to the identity theft crime ; checks that were placed in my mailbox were stolen from my outbound route and were cashed from an unknown third party which the back is investigating and has credited me the funds. In result to that, I have received 30-59 Days Late days late on my credit profile for XX/XX/2018 and XX/XX/2018. 
I've contacted PNC Bank via phone and certified mail providing my explanation of the identity theft, XXXX XXXX Police report, United States Postal Police Identity Theft Report, and FTC report about this matter and was instructed there is no way to fix the inaccurate information that was reported to the Credit Bureaus
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX  helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint against Experian without any influence from a third party or agency
Product: Payday loan, title loan, personal loan, or advance loan

I have a few companies listed on my report that aren't mine 1.XXXX XXXX XXXX XXXX XXXX used my name on both these items 2.XXXX XXXX XXXX ( XXXX XXXX XXXX {$750.00}
Product: Credit card or prepaid card

XX/XX/XXXX Merchant charged my card {$58.00} XX/XX/XXXX Merchant canceled contract XX/XX/XXXX & XX/XX/XXXX I contacted merchant asking for refund. No reply to either. 
I contacted Venmo/PayPal to dispute charge. They asked for the same information daily for a week. 
XXXX Declined the dispute claiming I need the merchant to AGREE with my dispute in writing! Isnt that what a dispute is for?!?! 
I supplied the email from the merchant notifying of contract cancelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX Collection In accordance with the fair credit reporting act 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 2 : It also states a consumer reporting Agency Can not Furnish An Acct without my written instructions.
Product: Debt collection

collections affecting my personal credit score. 
here are the details 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 XXXX XXXX XXXX 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

PERSONAL STATEMENT As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. Please delete the following accounts XXXX XXXX XXXX {$470.00} XXXX XXXX {$300.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX$390.00}
Product: Credit card or prepaid card

Synchrony Bank-PAY PAL issued me a credit card inXX/XX/XXXX or so. As part of the credit card terms, I enrolled in a card insurance protection program, that, in the event I ran into a problem paying my card in full or making payments, will cover the payments for me. I paid about {$400.00} dollars, I believe added to my card balance, for the insurance. In XX/XX/XXXX a change in my job cut off my overtime hours, and I was unable to pay for the payments, I called Synchrony bank to let them know, and for the insurance I had purchased to be triggered. After a couple of times that I was called again by the bank, for lack of payments, and I again told them I had bought insurance and I could not make the payments, they finally said that the insurance company needs to handle this claim directly. It was difficult to obtain the information to contact the insurance company, almost as if synchrony bank did not really know where this information was. So I called the insurance company and tried to file a claim with them. They rejected the claim twice, always asking for more information : more bank statements, or pay stubs, or letters from my employer showing my income was reduced etc. but it was never enough. Finally, the last time I submitted paperwork, I did not hear from them again, or Synchrony, so I assumed it was taken care of. Until it showed up in my Credit Report as a charge off. At that point, I submitted a dispute with the credit Bureaus, XXXX XXXX etc. On the bases that, where I don't dispute some of the balance-minus the fees/interest/and insurance charges-I dispute that I owe it, since this balance was supposed to have been covered by the insurance I bought. Synchrony refuses to acknowledge this detail, and insists I owe this, and all I get from them, after every dispute with the credit bureaus, is sending a last statement to my home. Nothing about the nature of the dispute, the insurance they sold to me, the insurance that did not pay them for my claim, or the fact that I have disputed this 3 times. Now they are suing me in court, by lying that I have never complained about the balance or the debt. There must be records, that they have to come up with, not me, that I called, and I asked them to close my account, and requested the information to file the claim with the insurance. I tried fixing the problem with Synchrony in a timely manner, I tried with the insurance company, i tired with the credit Bureaus, and I have done all I can to provide what I had to file my insurance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked Equifax to remove these hard inquiries. Starting with XXXX XXXX on XX/XX/2022 global lending service XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 consumer portfolios XX/XX/2022. I have been met with the same response it is public information and factual information and can not be changed. These inquiries were a result of a breach. And are fraudulent.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered XXXX, XXXX or Tranunion have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  XXXX Account number ending in 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.
Product: Student loan

Heartland ECSI has harassed me and tormented me through their debt collection protocols and policies. They have no interest in fairly servicing the loans on their books, and their staff are venal, unhelpful, and downright vulgar in their professional activity and behavior. Their staff have routinely shown themselves to be ignorant of the grounds upon which a student must be approved for deferment, and attempts to seek clarification are unsuccessful due to dreadful customer service. 

Additionally, Heartland ESCI drags its feet on such approvals, so as to charge additional fees. It takes actions in the interests of its profits motives, and when federal law conflicts with those profit motives, its profit motives prevail.
Product: Debt collection

I guess Kohn law firm does not understand that just because something is mailed means that it gets to the person it is intended. They claim they mailed notice of taking over a debt collection yet they did not mail it to me so that I had to sign for it, meaning it would have been given more attention with usps. I NEVER received their notification, contrary to their statements otherwise. As such, I have the right to have the debt that kohn is collecting to be validated, yet they claim that as they sent the notification I have lost my right to that! Sick of dealing with a collection agency that does n't even have the right to be collecting this debt as the wording on my original note does not give the bank we dealt with to sell or give the note to third parties to collect!!
Product: Credit reporting or other personal consumer reports

Equifax blocked my file XXXX. From this current date of XXXX Equifax has refused to unblock my file. I, XXXX XXXX has sent Equifax my social security card, Driving license and a cover letter requesting to unblock my file.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2023 this account was paid in full the following month I checked my credit report in XXXX there was no change. Still showing unpaid I reached out to Grain about this in XXXX and in XXXX asked for a letter stating my account was paid and account to be updated with the credit bureaus. There has been no updated information reflecting a XXXX balance nor the account status of this account being paid in full.