23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a call from a loan me agent on XXXX from phone number XXXX claiming I owed an additional {$82.00} for my monthly payment which is {$210.00} that I paid on XXXX the monthly payment is due on the XXXX but I paid it XXXX using the XXXX payment system that says its supposed to post within 4 to 6 hours of that day I called the number on XXXX XXXX I got a recorded voice message saying no available agent in the que at this moment I have also only received one single payment coupon to pay on this account so I dont know how much is owed I did get in touch with someone that said it {$3500.00} but ive been paying since XXXX and making bigger payments Because they also said it was a no prepayment penalty account which I assumed ment if made a bigger payment when it was possible it would help pay down the debt this person that called was claiming I was supposed to make a payment that was more than the minimum and it was being calling none payment of the loan If there is any assistance that can help me loanme it would be appreciated Thank you
Product: Credit reporting or other personal consumer reports

Two issues : 1. ) A collection account is on my credit report for which I have no association with. 
XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$480.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} Highest balance - Terms 1 Months On record until XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ) An address is on my credit report that I've never lived at, think it's associated with the collection account. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex I've tried to dispute and have had no luck. I've never lived in Texas and have no accounts associated with utilities in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted creditors as well. This is extreme violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Product: Credit card or prepaid card

I was using the online bankiing today and saved my online statements and the american express system blocked my card and they are asking to call a phone number again I signed up for a online banking account, not a mobile or phone banking account I'm travelling for business and I do not use the phone, instead a I use the internet banking I can confirm my identity by sending a copy of my document id, a passport they block accounts randomly without a reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing personally these or any companies done to me. 
Just want to remove all my inquiries on my XXXX credit reports. 
XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX FINANCIAL XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : {$5500.00} ; XXXX XXXX XXXX XXXX. Balance : {$4300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I conversed with customer service representative on several occasions regarding this matter on XX/XX/XXXX. ISSUE : I want to pay $ XXXX more on principle when Freedom Mortgage pulls my regularly scheduled payment on XX/XX/XXXX, that is electronically deducted from my checking account. They state without any regard to contract that I'm limited to {$49000.00} although there is nothing written on their website or on a contract. They state anything over the {$49000.00} must be sent via certified mail via USPS ; not a means I can 100 % trust ; or send it via wire. A wire transfer will cost me a processing fee from my bank. In either case I will lose money from my bank or a potential extra interest charge since I would not know when a personal check would/might be delivered via USPS to Freedom Mortgage. This policy is allowing Freedom Mortgage an opportunity to charge me more interest by not allowing me to make a larger principal payment. I signed up for automatic electronic payment to streamline my payment. Why is there a need to hinder an additional mortgage principal payment? 

If I am signed up for electronic payment that is deducted from my account, why does it matter how much I want to pay? If the funds are available allow me to make a grown-up decision with my money and my mortgage. This is not an issue with money laundering since I just sold my home in Kentucky. My bank is obligated to submit a Currency Transaction Report ( CTR ) based on the proceeds over $ XXXX for the sale of my home.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report Ive seen accounts thats listed on all three of my reporting bureaus these account do not belong to me! I have been trying to get these removed for quite some time now and theyre sending me alerts that the accounts are verified and accurate but I know for a fact that isnt true and these account DO NOT BELONG TO ME! 

There are two accounts reporting on my XXXX, Equifax & XXXX under the name 1.XXXX XXXX 2.XXXX XXXX These accounts appear to have been open in XXXX I need these to be removed! Please remove these negative items from my report and update my accurate information as Ive requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

Willful neglect and intent to report fraudulent activity and reporting. Car was stolen, contract breached and refusal to return, upon phone call with XXXX to state such, manager XXXX XXXX reported involuntarily while noting in writing and verbal and written verification by other company employees, himself, and by PI, car was voluntarily given, and further refused to return as such reported to MA XXXX, and was mad and knowingly reported false information with intent to harm consumer. Deceptive Practice and Theft has been filed XXXX XXXX, XXXX, XXXX XXXX XXXX. Video, written and verbal documents available. Attempted to recover vehicle with full past due payment per XXXX written email and well within my loan agreement and was told by XXXX XXXX " i am the bank and make my own rules '', and I stated I would report fraud and file further complaint and as a retaliatory and discriminatory action, immediately filed falsely with credit agencies. all is documented by written correspondence, and recorded phone calls. I have video tape of myself and repo company individual whom I spoke with for XXXX mins in front of my home and clearly you can see me hand over my keys. As such XXXX, XXXX and XXXX XXXX XXXX were and are aware of. XXXX XXXX further harassed me and denied return of my vehicle per agreement, and per written documentation by consumer and therefore stole my vehicle and subjected me to further hardships by discriminatory and retaliatory behavior. Further documents available
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 7 inquires on my credit report that does not belong to me. 
XXXX. XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. XXXX, inquiry from XX/XX/XXXX XXXX. Equifax Mortgage Service, inquiry from XX/XX/XXXX XXXX. XXXX XXXX XXXX, inquiry from XX/XX/XXXX XXXX. XXXX XXXX, inquiry from XX/XX/XXXX Fraudulent information is being reported on my credit report and Equifax has neglected and refused to remove fraudulent account. Someone else whom I am unaware of has used my information without my permission and knowledge. I did not authorize this inquires.
Product: Bank account or service

Citizen banks system told XXXX XXXX 's system my account was invalid and rejected my payment causing adverse entry on my credit report. They also re order debts to maximize fees and this is done during system down time after debits have posted to the account earlier that day.
Product: Debt collection

Calvary Portfolio Service placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my personal information and applying excessively for credit and i called Transunion and their customer service would not help and take care of the negative inquiries reporting to my credit report. Ive been a victim of identity theft
Product: Debt collection

Account Name : COMENITY BANK/EXPRESS Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Debt collection

The company contacted my family member, who 's phone number was never provided to them, divulging the details of the past due balance of {$180.00} on my account. This is a bill that has a monthly payment and I have asked them repeatedly not to contact me. They do not maintain accurate records on their website, which I have requested on several occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter of denial for a credit card from XXXX dated XX/XX/22 the reason stated is that I'm being reported as deceased by XXXX XXXX XXXX XXXX I have tried to contact them on XX/XX/22 and they do not have an XXXX number that allows you to speak with a person. I submitted a request for my credit report on XX/XX/22, but they mail a letter to you with how to access it online. I also sent an email request on XX/XX/22 via their webpage asking them to contact me to resolve since them reporting me as dead is a pretty big issue. They responded on XX/XX/22 with a form saying i need to request a credit report. This is completely unacceptable for them to make such a major error and have nothing in place to remedy it. I looked online at the other credit bureaus and no one else has me listed as deceased.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act DPT ED/XXXX XXXX Balance Owed : {$1400.00} DPT EDXXXX XXXX Balance Owed : {$920.00} DPT ED/XXXX  XXXX Balance Owed : {$9200.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX XXXXXXXX Balance Owed : {$19000.00} DPT ED/XXXX  XXXXXXXXBalance Owed : {$4300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issue with Lexington Law Credit Repair.com when my wife canceled back in XXXX it was for the both of us but instead they only cancel my wife which its suppose to be mine as well too and it was billed on my wife 's credit card which was ok at the beginning but when she called to cancel it was told to the representative that it was for both of us. the next thing I find out that my wifes credit card was billed for me (  XXXX XXXX ) on her credit card. But the representative assured me it was not going to be touch because I am not authorized on that card and Lexington Law went ahead and charged my wifes card on XX/XX/2020 {$89.00} and {$19.00} that was not authorized at all. I want this problem resolved but Lexington Law crediting back unauthorize charges for me on my wifes credit card that was not authorize to be charge.
Product: Payday loan, title loan, or personal loan

It began on XXXX XX/XX/2022, I made a call after I got paid in order to pay off the remaining loan. It was an automated system and told me that the remaining amount was over {$570.00} which I paid and it was processed on XXXX XX/XX/2022. At the beginning of XXXX I received a notification that I had to pay a minimum payment of {$97.00}. So I called to find out why, since I thought I had paid it off. They told me that the payment had been returned due to insufficient funds. I went to my bank because my statement said that it had gone through and wasn't returned. The representative showed me that it had gone through and not been returned. I called Oportun again, while at the bank. After about XXXX hours of debating it and their incessant eruption of the minimum amount due and that my account was in good standing, they finally asked me to send my bank statements reflecting the payment to hello@oportun.com, to which I sent it. I called later and someone else answered and I had to go through the whole thing again because they said that they hadn't received it and then told me that that was not the correct email. They told me to send it to XXXX, to which I sent it again. Later I received a call saying that my minimum payment was past due and I called again. After about another hour or so, they they told me that they hadn't received it and they were going to transfer me to their supervisor. Then they told me that their supervisor told them that they were the one I was supposed to talk to. I was told that I would not have to worry about the late fees because they were looking into it and it would be another XXXX days. After that time, they called again to say that my minimum payment was due. I explained again what the situation was and then I was told that a payment for over {$590.00} was processed at the end of XXXX but was returned on XXXX XX/XX/2022. I never initiated that payment because I had thought the debt was done with. I asked for copies of my payment history and the original contract. The representative said he would email it to me and promptly hung up. I never received it. I did receive a letter in the mail, stating that they were not obligated by law to provide proof, but as a courtesy they said they included the payment history and original contract, which was not enclosed with the letter. I received a call this morning which I was unable to answer, but called back shortly after and explained everything again. I asked for these things to be sent to my email, while I was still on the phone so that I could be sure to receive them. They explained that it would take XXXX hours. I told them that was unacceptable due to what has been happening and they said that there was a problem with the verification process on their computer and he would have to talk with his supervisor. I was on hold for almost an hour and then the line was disconnected. The issue still has not been resolved.
Product: Debt collection

I'm getting as much as 30 calls a day and when I block the number they call from the same location with a new number. This has gone on for two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

OK well I used my XXXX job at a XXXX XXXX called the XXXX XXXX and XXXX XXXX XXXX XXXX as a credit source to secure an apartment when I was XXXX or XXXX years old. I 'm now XXXX and the XXXX XXXX is still listed as my current position, along with XXXX XXXX XXXX XXXX which I only worked at for 3 months. Please take down that information as my employers are looking at that and wo n't hire me even though I do n't work there anymore. 

Please replace the information with my current employment histroy XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX no longer working there And XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX no longer working there. 

Please fix this as my new employer is plaining on doing a credit check this next week and I do n't want to lose my job which I just got over something that is n't true. Please remove the XXXX XXXX and XXXX XXXX XXXX XXXX from my credit report. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Everything I try to submit a dispute whether personal data or credit agencies the system tells me my account has a security alert on it and I have to call in. When I call in and ask them what the security alert is they tell me I don't have right to know and when I ask them who can lift it they say nobody
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a few problems with my mortgage company, When I borrowed money on my house, I bought XXXX insurance with it. Unfortunately I became ill and had to use it, and when it ended, my husband became ill and it took about a year to get XXXX approved. We struggled for a whole year to make those payments. The insurance paid for that year and the mortgage company had us paid up for a long while. There came a couple of times that the mortgage company said that I needed to make payments on it. I protested, but I made them because I did not want to loose our insurance. Sadly the XXXX insurance ended, I have an illness that has no cure, and my husband is now on social security, so I cancelled the XXXX insurance, and I kept the life insurance. The mortgage company started calling me, asking me to start paying them again. They talked me into doing automatic withdrawal, they were to take out a set amount of money a month. On the first withdrawal, they took out more than XXXX more than they should have. I was promised my money back, but that was another lie, I did not get my money back. I got a letter around the first week of XXXX stating that I was over charged {$960.00} and that they would credit it back to my account. I got a call from XXXX of the workers inquiring about my account, and wanted to know if I needed to make arrangements. I asked for what? I told him about the letter, and asked what happened to the money? He said that it was applied to my account, but not in the way that I think ( whatever that means ). I told him that I wanted it applied to my payments. He said it could not be done that way. I told him that I would call the home office and get it straighten out. He said it wo n't do you any good. I asked are you telling me that I can not call the home office? He then got sarcastic with me, and said, you can call anyone you want, you can call the president if you want too. I am still trying to figure out why our President was brought into this conversation. I was told that the manager could override it and fix it for me ( from the call center ). She was not available, the assistant manager called me back, while she was actually in the office. When she finally got on the phone she told me that it could not be reversed, and she never mentioned her workers bad behavior, until I brought it up, and she did not seem concerned nor did she apologize for it. XXXX thing that I found out was that my loan does not have any life insurance on it. When asked, who cancelled it, I was told everyone 's was cancelled. I also found out that since a payment was due, they took the interest out of the money and stuck it in a place that 's unknown to me. I have no more insurance what gives them the right to pay what they want and not let my husband and myself have a say in it since we were the ones that were over charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a fraud alert yesterday XXXX XX/XX/2022 from my bank. It seems as though someone tried to open a credit card account with XXXX XXXX bank using my social security number. 
I am in the process of notifying all XXXX credit agencies ( Experian, XXXX, & XXXX ) to put a freeze on my account so that the XXXX can not be used until further notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proof of the original  obligation and documents  as well as the below I am requesting that XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX   Phone: (XXXX XXXX you provide verification of this debt.   your account nmber ending in XXXX ,XXXX each in the amount of $XXXX and beginning with XXXX  for XXXX  dollars I requested that they Send the following information:The name and address of the original creditor, the account number, and the amount owed.Verification that there is a valid basis for claiming I am required to pay the current amount owed.Details about the age and amount of the debt including a copy of the last billing statement from the original creditor; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest; the date the original creditor claims this debt became delinquent.Whether this debt is within the statute of limitations and how that was determined.Details about your authority to collect this debt: whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. I need more details about what you claim I owe so that I can make an informed decision.Moreover this debt under Louisiana Laws Civil Code CC 3494 — Actions subject to a three-year prescription and not collectable when reported in XX/XX/2019and thus a violation of state and federal law.  The information is not valid and the information reported is a violation of The Fair Debt Collection Practices Act (FDCPA)  the main federal law that governs debt collection practices  see 15 U.S.C. § 1692.I dispute  the information contained in my equifax credit report and XXXX credit report also and request they supply me above requested information   Sincerely,XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Experian 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )