23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My loan was sold to a company called Freedom Mortgage from XXXX Mortgage XXXX XXXX As part of the notification process, I was sent a letter that told me about the sale and included a " Schedule of fees '' that is dramatically different from the fee schedule I had with XXXX as you can see in the " From '' and " To '' columns. I do not feel that it is fair to change any fee as part of the sale of a conventional and compliant loan. I have excellent credit and I do not expect to be treated this way after paying such high closing costs to get the loan in the first place.
Product: Credit card or prepaid card

My credit card balance transfer checks were stolen and then used without my authorization. I do not know who used it and how they got my checks.

The check was deposited into a Trucking company account that I do not know and can not locate that company either.

My credit card company is now asking me to pay for this fraudulent transaction.

Please help me as I did not use this check and did not authorize it either.

Thanks
Product: Credit reporting or other personal consumer reports

Capitol One credit card was issued in XXXX of XXXX, closed in XXXX of XXXX Credit report is showing a balance due of {$730.00}. They have an XXXX XXXX address listed for somewhere I have never lived. I have reported it as fraud to their department, but their investigation found no fraud. I have never had a Capitol One Credit card or charged anything to their company. This fraudulent charge has been damaging my credit score for almost four years now. I have disputed the charges through XXXX and filed a fraud report with the FTC, Report Number XXXX. Capitol One 's fraud department has failed to find any wrongdoing on their part, but they are unable to name anything that was actually purchased with the card or provide the address where the card was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a formal complaint and dispute letter notifying XXXX of an inaccurate account showing on my credit file. Under FCRA section 609 XXXX had 30 days to investigate and either verify and validate the account or remove it from my credit file. XXXX has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : I C System XXXX XXXX XXXX XXXX XXXX, MN XXXX Account # XXXX
Product: Mortgage

i did not authorize these companies to run my credif i would like these inquiries removed. i also placed a fraud alert on my credit report. cic mortgage credit, XXXX XXXX XXXX, XXXX XXXX, cic credit and XXXX XXXX
Product: Debt collection

XXXX   XXXX   (  XXXX  ) keeps contacting me saying I owe a debt for a closed business. I have told her the business is closed and I do not personally owe. She ignores and keeps threatening me. I have requested documentation several times, but she does not provide. I have copies of emails of her threatening to sue me and my ignored requests for documentation.
Product: Checking or savings account

XXXX  months ago I use my cash app card at a XXXX XXXX which was charged {$51.00}. 
XXXX days later was charged for the same amount at around XXXX XXXX call Cash app to the plane couldn't find a live representative to speak to.
Product: Debt collection

XXXX XXXX is reporting an account that closed in 2009 {$550.00} They refuse to remove Account number XXXX it was only for 1 month
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft for the last 5-6 years and its been a ever lasting nightmare ... Ive lost my drivers license, identification card along with my home being broken into. My passwords have been compromised. I just need this end. This XXXX XXXX account I have no recollection of and needs to be removed. Ive submitted a full police report, FTC report as well as contacted XXXX XXXX and they can not tell me who actually started this agreement. I have yet to obtain any documentation of importance. 

XXXX XXXX XXXX XXXX Account numbers, opened XX/XX/2016 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Transunion and after being on hold for over an hour the representative was unable to assist me. I recently viewed my Transunion credit report and notice numerous hard hit inquiries done on my credit report without authorization & fraud. Before this incident I had 0 Hard Hit inquiries on my Transunion Credit Report. 

XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX   Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX   Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score. 

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I purchased a round trip airfare ticket online through XXXX on XX/XX/XXXX. The flight is scheduled for XX/XX/2018 and returning XX/XX/2018. I have explained to both American Express Serve and XXXX, there is no way I can use the tickets for this time frame as I have just started a new job. Neither of them are willing to assist me with a refund and I dont have {$270.00} to just give away. I was hung up on by both companies after they explained their policies and told there will be no resolve. Which does not make any sense to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 



To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts is not only listed as being owned by me, but also as having a PAST DUE BALANCE of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of the FCRA and is in violation of requisite METRO Compliant reporting standards.

According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report XXXX showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purposes.
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. 
need nagatives to be deleted. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

5. 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 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 told the Experian, XXXX, and XXXX to reinvestigate the accounts above. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro XXXX credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

It has been incredibly distressing to find out that I've fallen victim to identity theft. My personal information was misused, leading to unauthorized accounts and activities showing up on my credit reportaccounts that I had absolutely no connection to or knowledge of. Understanding the gravity of the situation, I took immediate action. Experian advised me to file a report with the Federal Trade Commission ( FTC ), which I promptly completed. I then sent this report, hoping to resolve the issues swiftly and remove the false items. Yet, despite these efforts, the fraudulent entries remain on my report, causing continued frustration and concern over the impact this could have on my credit and financial well-being.
Product: Debt collection

XX/XX/XXXX - PHOENIX FINANCIAL SERVICES fraudulently reports a collection account in the amount of {$340.00} to the credit bureaus on my credit report ; disputed. 
XX/XX/XXXX PHOENIX FINANCIAL SERVICES is disputed a second time ; 2nd request for the demanded removal of the false report from my credit report. 
XX/XX/XXXX another collection similar to the last two, of {$340.00}, was placed on my credit report by a new company, XXXX XXXX XXXX ; dispute filed; same complaint in the reporting practices ; lacking foundation and proper warning notifications to alert the party of such an existence to this debt, such potential resolutions, or such desire to dispute prior to reporting. 

No attempts to reach or inform the party prior to reporting to the credit bureau had been attempted, by neither company ; this is in direct violation of THE FAIR CREDIT REPORTING ACT, in conjunction with THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT ; whereas both debt collection companies involved are in violation and are hereby being reported for operating fraudulent business, and lacking proper adherence to all federal or state laws in which they are required to operate under. 

The next subsequent motion is to issue a demand for discovery to audit both companies, which will uncover truths to these acquisitions ; which will lead to the suspension of the company to operate any further business. 

Prior to requesting an audit of the two debt collection companies involved in the infraction of conducting business fraud ; we will seek an order to resolve this matter, outlined below : Both companies ; PHOENIX FINANCIAL SERVICES and XXXX XXXX XXXX  are practicing unjustly under false and unethical pretenses ; providing immediately that this illegal and inaccurate collections report be promptly removed from my credit report to avoid imminent escalation.
Product: Credit reporting or other personal consumer reports

My inquiries are incorrect that Equifax I have listed them below
Product: Student loan

I 've requested the the servicer of my student loan Navient remove negative information from my credit report that is over 7 years from date of 1st delinquency even though it 's accurate. I 've submitted to them my credit report that shows that I was 90 days late XX/XX/2009 which is would have made me 30 days late XX/XX/2009. XX/XX/2009 is over 7 years past the date of 1st delinquency so by law this information should be removed from my credit report. Navient refuses to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XXXX 2021 and removed from my report, The account should not have been added back on my report without my written consent. 

In accordance with the Fair Credit Reporting act 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 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
Product: Debt collection

XXXX in XXXX contacted me regarding some devices in my account ( 1 router and 2 cable boxes ) to be returned. I had cancelled the account in XXXX and they needed these devices back to clear my balance. I mailed them in XX/XX/XXXX. Months later for my surprise the account had been placed into collection. I called XXXX several times to dispute this and they told me that this needed to be fixed/negotiated directly with the collector. In XX/XX/XXXX I contacted the Department of Consumer and Worker Protection in XXXX. A financial counselor from this department suggested that I should request verification of this debt and settle the account for any charges that I recognized. Perhaps, I decided to call the collector and negotiated this account in XX/XX/XXXX. I wanted to close this and I was tired of trying to fix this for almost 2 years. I always make every effort to pay my debts and fulfill my responsibilities, In this instance I feel that is not fair this account continues reflected into collection. I have paid it. 
Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. Based on the information provided above, this debt is no longer in collection. This is not my fault.
Product: Credit reporting or other personal consumer reports

XX/XX/25 XXXX XXXX XXXX XXXX ct XXXX XXXX XXXXXXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back Equifax. They said everything 100 % complete and accurate. I would like to received the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, date of last payment is NOT 100 % accurate, and balances. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXXXXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX XXXX  ( account number XXXX ) Account Name : XXXXXXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXXXXXX XXXX  XXXX ( account number XXXX ) Account Name : XXXXXXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXXXXX ( account number XXXX ) Account Name : XXXX XXXXl ( account number XXXX ) They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX, I received money from an associate of mine via transfer to my checking account with PNC bank. On XX/XX/XXXX, my PNC account was frozen. I could see there was a positive balance in the account but I could not make payments from the account. 

When reaching out to customer service, it took numerous tries for anyone to provide me any information of why this had happened. It was not until XX/XX/XXXX that a customer service representative could get back to me and tell me that the account was flagged by XXXX of the risk departments and that the funds would be returned to the sender and the account closed. I requested written documentation of this from the bank, along with the reason for why, but have not received either to this day, despite numerous conversations and attempts with the customer service representative. 

It has now been almost XXXX months and the account remains in the same status. I have continued to ask for an XXXX or any documentation that PNC that they are initiating this transfer back to the sender but they have not been able to provide. They have told me the only option is to send the money back to the sender and close my account, but no steps seem to have been taken to do this. If these steps are not taken immediately, I would like my account closed and the funds provided to me via check.
Product: Payday loan, title loan, or personal loan

I took out a loan back in 2008 I believe and I was homeless I haven't been able to pay back but they've been threatening me with prison time if I don't pay it back
Product: Money transfer, virtual currency, or money service

My PayPal account is on a 180 day hold which is closed for no reason and they will not help me get my account back and I havent got no response yet from months and this happened last year in XX/XX/2020 so I been waiting to get withdraw my money from the account which I have at least XXXX in the account my PayPal account name is XXXX and email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my account its from one main financial