23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / NELNET XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} XXXX XXXX XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} XXXX - - DEPT OF ED / XXXX  XXXX {$0.00} - XXXX - DEPT OF ED / XXXX  XXXX {$0.00} - - XXXX DEPT OF ED / XXXX  XXXX {$0.00} - - - DEPT OF ED / XXXX XXXX {$0.00} - - - DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} DEPT OF ED XXXX XXXX  XXXX {$0.00} {$0.00} DEPT OF ED / XXXX XXXX {$0.00} {$0.00} DEPT OF ED / XXXX  XXXX {$0.00} {$0.00} All these accounts have been paid in full but still reflect on credit.

Remarks ACCT CLOSED DUE TO TRANSFER
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX TransUnion XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on TransUnion XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXXXXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Submitted ID Theft police report and FTC affidavit. 

XXXX XXXX XXXX XXXX {$0.00} - - -No Data Account Information Address XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX High Balance {$500.00} Credit Limit {$500.00} Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks PURCHASED BY ANOTHER LENDER ; UNPAID BALANCE CHARGED OFF
Product: Mortgage

I am the owner of my deceased sister XXXX XXXX XXXX 's home she XXXX of XXXX XXXX and XXXX XXXX in XX/XX/XXXX, I was the executor of her estate and my sisters and I inherited the home. I became owner in XX/XX/XXXX through a Quit Claim Deed. My sister did a refinance is XX/XX/XXXX with XXXX XXXX XXXX   for {$410000.00} through a Deed of Trust and Promissory Note. On the Interest Only Fixed Rate Note for 120 months from XX/XX/XXXX to XX/XX/XXXX. this note was never honored by any of the Service Companies. She also did a modification with XXXX XXXX XXXX in XX/XX/XXXX. My home was foreclosed on XX/XX/XXXX. It also was ratified, and audited. I filed a chapter XXXX, bankruptcy to stop the process of my home being sold. I believe that mortgage fraud, and foreclosure fraud was involved from XXXX XXXX XXXX, XXXX XXXX XXXX, and Fay Servicing,  XXXX XXXX XXXX Law Firm, and my former attorney XXXX XXXX. They never acknowledge the Interest Only Fixed Rate Note my sister had been paying the mortgage and the principal since XX/XX/XXXX, when she became ill in XX/XX/XXXX I took over the payments until my savings were depleted and my home went into foreclosure in XX/XX/XXXX. I recently came across this information within the past week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 30 plus  days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX # 4899 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.C1681c. ( 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 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

https : //www.bankofamerica.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you look at these instructions 1.login choose bill pay - you can not choose Bill Pay as such you have to choose one of the sub headings so the first instruction itself is wrong. 
2.i think they are doing this to purposely charge interest and the fees.
Product: Credit reporting

I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ...
Product: Credit card

In a brazen violation of UDAAP, which Goldman Sachs believes theyre exempt from complying with that law because they think they can just bribe the right people in the government, Goldman Sachs offered prominently an option to cancel a scheduled - but not processed - payment - with XXXX explanation this was really Goldman Sachs conspiracy to then use this as a hollow excuse to never then again honor payments from those of the wrong race and religion. Cancelling a scheduled payment- when advertised to be able to do so by the bank - is in no way delinquent conduct. However, illiterate and incompetent Goldman Sachs employees then have the audacity to then allege that it is and that my check can actually bounce after two weeks ( Goldman Sachs truly needs to give their employees a literacy test )
Product: Mortgage

I have been going back and forth providing non stop documents to my lender and I feel like this process will never end. Now after months of being in review they have denied my application because they miscalculated my income by over {$5000.00} dollars. I don't even know where to begin my frustration. They have a sale date for my house in less than 3 weeks and I am just trying to save my home!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX credit card account ending in XXXX. It is not mine. The account has not had any updates since XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. I don't know who's they are. Can you kindly remove them?
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file with Experian be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Checking or savings account

I open an account with XXXX XXXX to have my employer to make direct deposit and each I must say money was missing or funds was low and overdraft when they told I didnt have overdraft protection but account was negative! I lost every bit of XXXX dollars I lost then they closd my on their own
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I went to the website XXXX and tried to request my free annual report to be provided to me through the U.S. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only one phone number : XXXX. I called this number about 15 times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.
Product: Mortgage

XX/XX/2021 I was notified an escrow analysis was done on my property and due to an increase in taxes/insurance my monthly premium would increase even if I paid the additional funds. I am accustomed to the foregoing so fine. 

XX/XX/2021 I received yet another notice from Amerihome that another analysis was done and my monthly mortgage payment would increase AGAIN. 

i have lived at the same property address for 15 years and have NEVER had two escrow analysis in one year much less within 6 months of each other. When i called Amerihome they attempted to advise me it was an increase in my real estate taxes which were paid XX/XX/2021 through the mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

First and foremost, I used XXXX ( which is a part of Citizens Bank ) for my student loans. Back in XXXX of 2023 I used Citizens Bank to refinance my loans. When they sent the money they didn't send me the right amount of money, they were about {$7000.00} short and I was not aware of this. I received an email about two weeks ago saying I had a missed payment on my account because I thought there was no balance. After speaking on the phone with the bank, they told me they found the error THEY made and they were going to fix it and it's been two weeks since that conversation and I haven't heard anything. I have called every other day asking if they have done everything and they've told me the same exact thing every single time that they're waiting on upper management to approve the new money with the new loan and that they would get back to me in 24-48 hours. I am running out of time and on Tuesday, XX/XX/XXXX, my payment will be 30 days late and I am going to have to pay {$600.00} for an inexcusable mistake that Citizens Bank made.
Product: Student loan

Mohela states my student loan payment count is at XXXX/XXXX. All of my employers have certified my employment with the US Federal Government since XX/XX/XXXX. Mohela state there is nothing they can do the get the remainder of the payments entered so that my loans can be forgiven. 
Mohela has put me into an administrative forbearance which ends in XXXX, XXXX I submitted all of my documentation by the XX/XX/XXXX deadline and have been waiting since that time. I phone them every month and get the same response as stated above that Mohela is waiting on the Dept of Education to key in the payments and there is nothing Mohela can to do the expedite this while interest accrues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian on XX/XX/2020, to the address listed on their website ; XXXX. XXXX XXXX, XXXX, TX XXXX. The letter was to address unauthorized inquires that I did not give a creditor, finance company or car dealership permission to pull my credit. I in fact gave them a new 3 bureau credit report listing all my scores for each bureau, including every credit model available. I have not received any response, therefore my attorney advised me to call Experian, which I did today, XX/XX/2020. I spoke to a Representative that told me I did not have to give them permission or authorization to pull my credit report, that inquiring about a vehicle and providing them my personal information gave them all rights to pull my credit and that my signature or authorization was not necessary. I explained I had no choice than to file a complaint, therefore I wanted to be clear, and asked her to repeat this information so I was sure I understood correctly and she confirmed once again. I asked to speak with a supervisor and she would not transfer me for further help. In turn, I spoke to my attorney and he advised me to file this complaint. 

The following creditors did not have my authorization, direct written or verbal consent to pull my credit. I specifically advised the internet sales representative over the phone and confirmed they understood my request, and they agreed they understood. I never went to the dealership or provided any signed application or documents other then my credit report and a current paystub. Later I come to see they had my credit pulled 9 times without my authorization and consent. In my letter I specifically ask Experian to provide proof I consented to the 9 inquires listed below via FCRA section 609 and 605 as well as the accuracy of the 9 inquires mentioned via FCRA 623. If Experian has no proof of one or any, I would like them removed immediately from my consumer report. In addition, I ask Experian to please provide me with the " method of verification '' that their employees/staff used to verify and validate each of these inquiries : ( 1 ) XXXX XXXX XXXX on XX/XX/2020 ( 2 ) XXXX on XX/XX/2020 ( 3 ) XXXX XXXX on XX/XX/2020 ( 4 ) XXXX XXXX XXXX XXXX on XX/XX/2020 ( 5 ) XXXX XXXX XXXX on XX/XX/2020 ( 6 ) XXXX XXXX XXXX on XX/XX/2020 ( 7 ) XXXX XXXX XXXX on XX/XX/2020 ( 8 ) XXXX XXXX on XX/XX/2020 ( 9 ) XXXX XXXX XX/XX/2020 - 2 separate inquires from this finance company. 

I appreciate any assistance with this matter.
Product: Debt collection

Discover Financial is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am awaiting all correspondence requested to validate the alleged debt, I have also request that Discover Financial cease and desist all communications in regards to the alleged debt and report all accounts with any credit reporting agency as positive in regards to this alleged debt until I receive proof of and have conducted a thorough investigation.
Product: Mortgage

I have been receiving supplemental tax bills since XX/XX/2023. After being informed by United Wholesale Mortgage ( UWM ) that I was responsible of some of these bills I immediately paid {$5600.00} out of my own pocket, even though my mortgage is impounded and money is put into escrow monthly to take care of any property tax and insurance costs. UWM informed me that the remainder of the costs would be taken out of my escrow account. On XX/XX/2023, I received another property tax bill stating that I still owed {$4500.00}, which included {$770.00} in fees and penalties. I contacted UWM again via email and phone call. They again reassured me that this will be taken care of on their part and that this situation would be moved to the Escalation Team. This repeated where an email and phone call was made every other month as I continued to receive these property tax bills, while still paying my mortgage on time. On XX/XX/XXXX, I made my 4th attempt to get this resolved and was guaranteed that the following day someone was going to contact the tax collector 's office to get this resolved and that I would receive proof of this. I did not receive any proof and on XX/XX/2023, I received a lien notice for my house due to outstanding/delinquent property taxes of {$4900.00}. I'm stuck in the middle as the mortgage company is in control of my escrow account and releasing funds, yet the tax collector is contacting me to pay the taxes. I will try AGAIN tomorrow morning to contact UWM in hopes of getting some proof of what is happening and will leave work early to try to get this resolved with the tax collector 's office myself or pay the outstanding balance in HOPES that I will get reimbursed by UWM.
Product: Debt collection

My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named XXXX recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name Professional Bureaus of Collections of Maryland Inc is trying to collect the same debt. I believe that XXXX XXXX has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.
Product: Credit reporting

I contacted Transunion via telephone on XXXX XXXX. Talking to the customer service rep to have them remove an OBSOLETE account- XXXX XXXX XXXX # XXXX is showing as account paid in full WAS a charge off. The date of first default on that account was XX/XX/XXXX. They were not helpful and trying to tell me date of last default was XX/XX/XXXX. I called Transunion again yesterday, and they also agreed that an account that old should be removed and it looked odd, but could n't remove it. I am requesting they remove it now. This is violation!
Product: Mortgage

I was recently made aware that a lien was not removed from XX/XX/XXXX by XXXX XXXX XXXX. We did a refi with XXXX in XX/XX/XXXX and did another refi with XXXX XXXX XXXX in XX/XX/XXXX. We never received a HUD 1 or Settlement statement from XXXX XXXX XXXX. We will not be able to have the lien removed until we have proof XXXX XXXX   paid XXXX XXXX XXXX. I spoke with a representative from the lien release department of XXXX XXXX and they told me that they don't have a copy of either of the documents we need to prove that they paid XXXX. He suggested I contact the title agency for documentation, which I did, but they are telling me that any documentation would have been destroyed from XX/XX/XXXX. We have since paid off our mortgage with XXXX/XXXX  XXXX in XX/XX/XXXX and although we own our home we aren't able to use the equity in it or sell it unless we can get the lien released. XXXX XXXX XXXX has been out of business since XX/XX/XXXX and I am not sure who has the documentation, but I think it is between XXXX, XXXX or XXXX. XXXX lien release department said they have no record of doing business with me. XXXX will not give any information until I can show proof XXXX XXXX paid XXXX and XXXX has not responded to my request for information. I am under the impression that XXXX XXXX is obligated to provide a Settlement statement to us at the time the loan was secured. I am asking that XXXX XXXX provide us with proof they paid XXXX XXXX XXXX so that I can pursue having the lien removed.
Product: Debt collection

Date Assigned XX/XX/2021 GRANT MERCANTILE AGENCY Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Amount Owed {$3300.00} Amount {$4000.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i woe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 

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

There are a couple of creditors listed on my credit report that do not belong to me. I have reached out to them and they stated that I would have to dispute the information with the credit bureaus and it will be removed as they will not give me a letter stating as such. Please remove these accounts that are not mine from my credit report. Thank you. 103 Claims true identity fraud/account fraudulently opened.
Product: Debt collection

XXXX keep sending me letters, saying I owe them money for ( Cash America ) I do not owe them anything, and do n't even know who they are! Oh, and they ca n't provide me with any information I request and then hang up!! They are trying to scam me and other people, making them believe they owe money!