23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Horrible debt collection service. Will not stop calling. Every single day, multiple times. Synchrony Bank. Please get them to stop harassing me. This is EVERY single day call, weekends, nights, mornings, they do not stop. Enough is enough.

Thank you.
Product: Checking or savings account

On XX/XX/3021 My account was hacked. I woke on XX/XX/2021 and checked my account and all my money was gone. I contacted my card company and filed a dispute, I was told that I WILL get a provisional credit applied to my account if I provide my dispute form within 10 days. I said ok and sent the card company my dispute form. So now here it is XX/XX/2021 and I was told the dispute team made a decision on XX/XX/2021 that my claim was denied. I informed the rep that when the money was taken out of my account I was sound asleep due to the fact that I had to work the next morning. The reason they say I was denied was because the merchant told them that I was aware of the charge, but that is not true. I asked for the merchants info and the card company could not provide me that info. So as you can see I am clearly frustrated about this issue. I have bills to pay.
Product: Money transfer, virtual currency, or money service

My account got hacked on XX/XX/year>, when my account 's primary email address was fraudulently changed to " XXXX '' & my physical home address was fraudulently changed to " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ''. 

Along with these fraudulent changes, there were 2 transactions processed to " XXXX XXXX '' same date & time when those fraudulent changes were made. 

I had reported all of the activities, and by today XX/XX/year>, I am getting an email that my account has been permanently restricted. 

This feels really disheartening as I was very new to PayPal and your platform has made me feel ashamed of myself without any solid reasoning. 

Can somebody please please help?
Product: Prepaid card

Ive tried to use the three prepaid gift cards that we received as payment from our mortgage company. Ive been unable to use them online, in my XXXX wallet, or in actual stores. I tried to use them at XXXX XXXX XXXX XXXX in XXXX. The cashier tried more than one method to get the card to work, but couldnt. I hope that this money is not just lost. Calling Amex did no good. They say to use the card in person. I have tried to multiple times. It isnt right that American Express c an issue cards that cant be used. They must keep a lot of money from people who give up or dont have the time to work on this. I gave them to my XXXX XXXX XXXX son who can figure out every way to do something involving money and he couldnt use them. Please help. Thank you.
Product: Debt collection

I've spoken with numerous reps from the company and they are not accurately documenting that i request no further calls or accurately documenting my account. I've spoke with XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX. I've made settlement offers which the refuse to accept even though i'm disputing the account but they still want to collect on the undisputed portion and have no way to validate the current balance. At least during 2 of my conversations, one being in XX/XX/XXXX, I requested no more calls but was told at that time that the company does not honor verbal cease and desist request. I received another call on XX/XX/XXXX, spoke with XXXX, XXXX, and XXXX who confirmed that the company DOES IN FACT accept verbal cease and desist request but claimed that none of my previous conversations indicated that i requested that the company stop calling me but XXXX assured me this would now be documented. I've been given false and misleading information about the companies procedures numerous times and at this point i feel that their communication is abusive and i'm being harassed over such a small debt.
Product: Debt collection

I have been in contact with the original creditor on this account that is over 7 years old. At the time of service I had insurance and the company shows that my insurance paid the bill an that I no longer owe them anything. While waiting on my insurance to pay the counseling office Senex bought this account and has reported it to my credit. I have tried to contact them through certified mail for them to remove this off my account, they will not respond to my mailing. I have called them and they refuse to communicate with me just demand that I pay them even though the account is not owed any money. They have now been violation of my rights for over 30 days, and refuse to delete the account. Todays recorded conversation shows a new violation the lady was able to tell me what procedure I had done with who I meet that day and medical conditions therefore violating my HIPAA rights. I have this recorded on my phone as I have been keeping all documents and recordings with this company. I have all my credit reports for the past year every 3 weeks I collect them and they fail to update my report or remove themselves from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today XX/XX/2018 and spoke with representative, I stated to him that, I have some recent unsolicited credit inquiries that have been added to my credit profile. 

I also stated to him that I was at one time a victim of fraud and that there should be a statement on my credit profile stating that " Must call consumer 'me ' to verify that it is really me applying for credit '' He said that there is nothing he can do about the inquiry and I must do it myself. How is that creditors can put information on your credit profile and the credit reporting agency can't do anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.
Product: Mortgage

In XXXX of 2020, we were given the approval for a loan modification on our Mortgage. Our new loan/modified loan was set to begin XX/XX/2020. I made our payment for XX/XX/2020 in XXXX as soon as our modification was approved, and planned on paying our mortgage from XX/XX/XXXX onward with no issues. Our company then notified me that our loan was going to be transferred to a new servicer as of XX/XX/2020. On XX/XX/2020, I contacted my new servicer, PHH Mortgage to make my payment. They stated that I was behind all the way back to XX/XX/2020. They had no record of my modification or that it had been completed. They said they could research it and I send them my completed and recorded modification twice over the next couple of months. They would not allow me to make my payment unless I had enough money to make approximately 5 payments due to them Showing that I was behind that far. I didnt have XXXX $ to make this many payments so they would not take my payment until it was either resolved and showing that it was modified or else if I had the entire amount. I have called and spoken with this company 1-2 times per week since the beginning of this transfer and they still have not shown or updated that my loan was modified right before being transferred to them. I have provided proof and have been following up non stop. This has caused my husband and I to just decide to sell our home while we still can because this has been so XXXX. I have not been able to sleep or eat and it has caused XXXX XXXX due to XXXX. I have been very patient and very diligent trying to get this resolved. I am extremely worried this will affect my credit for a long time to come and I feel it is absolutely unfair.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
Shellpoint Mtg. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( SHELLPOINT MORTGAGE SERVICING - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. XXXX  took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan inXX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently XXXX  dies not care enough to really investigate the facts. I also have documents stating shellpoint tried to get a relief from stay and had to withdraw. 
Thank you
Product: Checking or savings account

on XX/XX/XXXX XXXX unauthorized transactions were performed on my account for XXXX or around that amount see notes. i reported these transactions upon finding out. a fraud form was filied out by me and sent to providers bank. they ( XXXXXXXX XXXX } XXXX liability rule that says all unuathorized transactions performed without card holders consent will be issued provisional credit while an investigation is performed if more than 10days elapsed. a finding that was made no more than a day of no fault was issued.. i imediately asked for a reconsideration of the findings as its impossible for me to have been at two places at once the fraud form i filed explains thatso an reinvestigation was idssued going on four weeks now and since then i find that my account has been closed, i fell was was a retalitory measure by providers bank and is also illiegal as i get my federal security deposited every month and providers had no right nor reason to close that account, so now iam filing a complaint for closing my account with a retalitory attitude by providers so iam seeking my provisional credit XXXX around XXXX and a federal XXXX for closing my account illegally.. this investigation has gone well over 10 days at that time provisional credit shoould have been issued up ontill a decision was made which one has not yet been made.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to have the information they are reporting removed from my report that they were sharing. I also sent 2 letters to Equifax stating that this information should be removed and that the finding of their investigation was not verified. They have refused to comply with the rights that I have as a consumer. The investigation says that XXXX XXXX verified this information. However, XXXX XXXX sent a letter stating that they had removed the information and that Equifax knew and still refused to remove it. The information they are sharing has impacted and continues to impact my reputation and standard of living. Equifax continues violate a number of my rights under 15 USC 1681 even after the source they used removed the information. I have attached the letter showing this information.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of charge card accounts XXXX account # XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
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 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/XXXX {$7800.00}. Inquiries : XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

1. In XX/XX/XXXX, I had a balance of {$140.00} on my XXXX XXXX Store credit card. However, I did not receive this billing statement because I went home to the XXXX in XX/XX/XXXX. I instructed my niece to pay the balance but she was not able to do so because when she called XXXX XXXX, she did not get the balance to be paid due to their claim of confidentiality. 
2. When I returned in XX/XX/XXXX, my balance had ballooned to {$330.00} due to late payment charges and interests. I complained to XXXX XXXX XXXXat it was too much because it was not my fault that the balance was not paid. 
I was told to pay only {$230.00} and that should settle the matter. 
3. I received another billing statement for the balance of {$100.00} which was the balance of {$330.00} minus the {$230.00} that I paid. I did not pay it because of the former agreement that {$230.00} settled the matter. 
4. The amount of {$100.00} has ballooned again to {$290.00} by XX/XX/XXXX. 
and the account has been referred to collection agencies which has affected my credit history and I can not obtain any other credit card due to this matter. 
5. I sent the complaint regarding this matter to XXXX XXXX CEO, XXXX XXXX who referred the matter to XXXX XXXX of XXXX XXXX Executive Office in XXXX, Arizona who rejected my payment of {$230.00}, insisting on collecting payment for late payment fees and interest. XXXX 's tel. number : XXXX XXXX, Extension XXXX 6. I believe it is harassment and inequitable in continuing to charge late payment fees and interest on late payment fees and interest when the original amount of the credit card charge of {$140.00} which was already paid for by my {$230.00} payment. 
7. I am XXXX-year old widow with only a Social Security monthly income of {$790.00}. I am not in a financial position to pay this additional unjust charges/
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. MXXXX XXXX, 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and Account Name : XXXX Account Number : XXXX.
Product: Money transfers

I am not being allowed to make money transfers by Western U. 
No reason given.
Product: Credit reporting or other personal consumer reports

There was a Data Breach with XXXX and I have disputed these items several times to no avail. These accounts have appeared across all three bureaus at one point. I have changed my phone number twice now due to a deluge of telemarketing and robocalls since the breach. I have even filed a lawsuit against a group of auto finance companies that ran my credit illegally for a car loan and placed XXXX hard inquiries on my credit reports ( XXXXXX/XX/XXXXXXXX ). I have done everything I can up to this point and the repeated disputes to the credit bureaus are not effective as of yet to have these items removed.
Product: Credit reporting or other personal consumer reports

There are multiple mistakes on my credit report that I would like you to investigate and remove as soon as possible. 

XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX {$24000.00} XXXX XXXX {$7500.00} XXXX XXXX {$7100.00} The four cards above I used to be an authorized user on. But hold no responsibility to pay these cards. I have already notified the bank and they have agreed to remove me as an authorized user. I just need the credit reporting agencies to also remove me, I am not a authorize user on any of these cards anymore, please remove them as soon as possible XXXX XXXX {$5800.00} XXXX XXXX {$4300.00} XXXX XXXX {$4900.00} XXXX XXXX. XXXX {$1200.00} All four of these accounts were open fraudulently. I've reported them to the banks, but they choose not to do anything. At this point, they have charged off the accounts which I have to claim with the IRS as income. And if you check with your legal department, you'll know that it's against federal law to list income on my credit report, feel free to check with the banks. All four of the cards have been written off which I then claimed does income on my federal taxes. Please remove the as soon as possible. If you're uncertain again, I would ask that you forward this onto your legal department. 

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  The inquiries above were all done fraudulently I have contacted each bank and they all confirmed that the information was slightly different and that the inquiry was fraudulent and they've removed it from their records, but they say it's up to the reporting agencies to do the same thing. So I don't know exactly what you need to do, but feel free to contact these banks. They will confirm that these were fraudulent inquiries, and I would like them all to be removed as quickly as possible, thank you I only have two names XXXX XXXX XXXX XXXX XXXX All other names are fraudulent and are not me. Please remove them.