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

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; SYNCB - XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Ref : # XXXX & XXXX, these are the reference numbers that was given to me by their customer service representative at the call center. 
XXXX XXXX Charging me XXXX for a returned item. 
A purchase of XXXX purchase was made as Financing on XX/XX/2022 and fully cancelled on XX/XX/2022 without taking delivery of the bed. The sale rep told me I had to leave with a mattress protector. He also informed me that it was all refundable. The call center representative said I need to return the protector back to the store which I did on Monday XXXX. The protector was unopened and unused and Intact just as I received it. I left it at the store. They have now placed XXXX  on my credit report adversely affecting my score. They need to remove that charge. The Store Manager was rude and certainly doesn't understand customer service, he had the opportunity to gain a customer for other purchases and it is terrible that a XXXX XXXX XXXX would take advantage of a Senior Citizen for XXXX
Product: Mortgage

Rocket Mortgage has three loans outstanding with me- two mortgages on two properties and one HELOC on one of them. I have been doing business with them for about 10 years now. he HELOC is for $ XXXX and the outstanding loan amount was for about {$7500.00}. The last payment due was about {$200.00}, I usually keep very low balances on my HELOC and pay it off fully as soon as I can. I had one late payment recently ( I think the only late payment I have ever had in my entire history with this company ) which was delayed by over 30 days since we had a case of COVID in our home. As soon as I found out that I was late, I immediately paid off the entire amount down to a XXXX balance. 

Instead of understanding the situation, this greedy and unethical company immediately froze my HELOC without telling me that they would. Then when I asked, they sent me a form to unfreeze the account. After I sent in the form, I then find out from them that the freeze has to be for 6 months for timely payments. How am I making timely payments on a XXXX  balance? I believe this company does not like the rate it is giving me on this loan and is trying to get out of it under this flimsy excuse.
Product: Money transfer, virtual currency, or money service

I have been harrassed for 2 years. Ive tried repeatedly to report issues but my mobile device is completely taken over. I have numerous linked accounts. Websites that are fake made to look like its mine. XXXX accounts with young children videos. Fundraising falsely made. Many many more issues that i will gladly answer to. Also most importantly i was not allowed a phone for the past 6 years until XX/XX/2018. I need this matter looked into. I have lost friends, family, jobs and relationships. To the point of suicide thought. Also went to see doctor and im certain their office was hacked because i was prescribed XXXX XXXX   of XXXX which is high dosage for XXXX time n doctor told me would prescribe XXXX and XXXX. Please return my call at XXXX XXXX XXXX or leave msg at my XXXX phone XXXX XXXX XXXX. Thank you
Product: Credit reporting or other personal consumer reports

There was a inquiry made on my credit report without my consent. 

I am victim of identity theft, and on my XXXX, XXXX, and XXXX i have a Personal Statement Alert : FRAUDULENT APPLICATIONS, and specifically says First Verify the identity of the applicant. It can be reached at XXXX The Company EXETER FINANCIAL LLCXXXX Unauthorize an Inquiry on my credit report without my permission.
Product: Checking or savings account

I have been having multiple issues with chase recently the biggest one is FRAUD. How chase bank handles fraud is ridiculous they dont really look into the case and quote on quote solves the issues within 5 days which to me is very little time for a fraud case. I have had a total of XXXX fraud cases for XXXX from XX/XX/2022 in the amount of XXXX, XX/XX/2022 in the amount of XXXX XXXX XX/XX/2022 in the amount of XXXX XXXX and XXXX on XX/XX/2022 in the amount of XXXX XXXX All of these were solved in 5 days which is one not enough time, XXXX they ask for more information to be sent through the mail which takes 2 days to receive so that alone is not at all fair. All of these were ruled as not fraudulent which chase has allowed XXXX to be taken from me at which I have done everything I have sent them information through the mail as they request but they say they never receive the information, I have filed multiple police reports regarding this issue and still chase will not reverse the transactions and take money which results in my account being negative. I have seen I am not the only person who banks with chase to have these issues with chase not taking fraud seriously. If needed, court will be an option as this is ridiculous. I want those transactions which is fraud to be given back to me which the total amount is XXXX for those 5 months that is all I am asking as I have cooperated and sent information it is not my fault the bank did not receive that information and doesnt allow enough time before they make a decision on a serious issue. I also want all the insufficient funds fee reversed on XX/XX/2022 as I got paid but those fees put me in the negative again XXXX $ insufficient funds fee is a ridiculous amount. You all said the limit was refused but that is not okay as you all took The total is XXXX $ even though the negative balance was paid off not I am negative again. When you all send mail XXXX dont get that mail piece until about XXXX days at which you all in that time frame close the case which is not at all fair. Please give me my money back. Thank you.
Product: Debt collection

YOU HAVE. VIOLATED FEDERAL LAW. PER REGULATION F YOU MUST PROVIDE NOTIFICATION AND THE RIGHT TO DISPUTE ****BEDORE ***YOU PLACE ANYTHING ON A CREDIT REPORT. YOU HAVE ADMITTED IN WRITING YOU PROVIDED NO SUCH NOTICE. NOT ONLY THAT AFTER BEING TOLD YOU HAD THE WRONG ADDRESS ( ALSO IN WRITING ) YOU SENT INFORMATION TO THE WRONG ADDRESS WITH THE NAME OF YOUR COMPNY ON THE OUTSIDE OF THE ENVELOPE VIOLATING 3RD PARTY DISCLOSURE. NOT ONLY HAVE I FILED A COMPLAINT GINST YOUR ATTORNEY WITH THE STATE BAR I HAVE FILED COMPLAINTS WITN THE TEXAS ATTORNEY GENERAL AND, ATTORNEY THE GENERAL OF UTAH WHAT YOU FAIL TO REALIZE HERE IS I HAVE NEVER PICKED A BATTLE I LOST. 
THIS WILL. NOT BE THE FIRST. 
ONCE AGIN REG F REQUIRES WRITTEN NOTICE OF A DEBT AND THE RIGHT TO DISPUTE THAT DEBT BEFORE PLACING AN ACCOUNT ON THE CREDIT REPORT NOT AFTER. 
AND YOU ADMITTED IN WRITING YOU DID NOT DO SO. 
I AM HAPPY TO MAKE YOU THE TEST CASE FOR OT PROVIDING NOTICE. 
I WILL ALSO BE SUING YOUR CLIENT. AND BASED ON THE. U BRR OF CPMPLAINTS WITH THE XXXX  IT WILL BE A CLASS ACTION.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX  I noticed there was {$1300.00} in an unassigned account. I immediately text Village Capital asking them to apply the {$1300.00} into my escrow account. They totally ignored my request and applied it towards my XXXX payment. Emails are attached.
Product: Money transfers

On XXXX XXXX, XXXX, I sent money from my checking account ( XXXX Bank, XXXX, Texas ) to an XXXX bank account using the website Xoom.com. The money got deposited in the XXXX bank account alright, but it supposedly got rejected by my American account ( the aforementioned XXXX XXXX account ). 

Now Xoom.com is threatening me with legal steps if I do n't pay the entire amount ( approx. XXXX XXXX dollars ) to them IMMEDIATELY. 

But 1. I do n't have ( like I LITERALLY do n't have ) XXXX XXXX dollars right now, even if someone holds a XXXX to my head or something! 


2. I 've explicitly told Xoom ( in writing ) that I fully intend to pay back the entire amount to them ASAP. But the best I can do is pay it in monthly installments of {$300.00} or {$400.00} ( at most ). But Xoom rejected my proposal and is continuing to harass me. 


3. Since the transactions had perfectly gone through at that point of time ( on XXXX XXXX, XXXX ), I had naturally assumed that everything was settled, Xoom and I were good, and there was nothing else to take care of. I thus planned my finances accordingly and made other expenditures thereafter. 

Now if Xoom suddenly comes knocking on my door, how am I supposed to conjure the money out of thin air?! Especially when the amount is equal to five entire months ' worth of my ENTIRE salary!!! 


4. During the original transactions on XXXX XXXX, XXXX, if the money had n't indeed cleared from the source account ( my XXXX XXXX account ), how the XXXX did it land up in the destination account ( the XXXX recipient account )?? Is n't Xoom itself supposed to ensure that nothing of this sort happens?! If Xoom did n't have the money from the customer ( myself in this case ) to begin with, then why did n't it decline the transaction in the first place??!!! I mean, like, any online merchant would do if you try to make a purchase with your credit card that will result in your credit limit being exceeded?!! Such declined transactions take place all the time, are n't they?!! Then why did n't Xoom do itself and me the favor of declining the transactions for which it 's now harassing me?!! 

I mean, if an ordinary citizen has to keep track of all the mundane arithmetic related to his/her finances, then what 're the banks / financial institutions there for?! To rip money off the ordinary citizen and to make the economy come crashing down ( like in XXXX ) from time to time? 


5. I 'm a XXXX living on my XXXX of XXXX XXXX dollars per month. {$300.00} or {$400.00} per month is the maximum amount I can spare to pay off the supposed " debt '' or whatever it 's called by Xoom. I 'm an honest, conscientious, industrious ( I have a GPA of XXXX at school as well as XXXX ) person. I do n't want to be living with a debt either, but I ca n't come up with money that I do n't have ( that is, the money that I do n't earn in this first place! ) I 'm sticking with my assurance to Xoom that I 'll pay back the entire amount as soon as I can, but if it continues to hold a XXXX to my head ( figuratively speaking ), I 'd LITERALLY have to XXXX.
Product: Student loan

I recently applied for Public Service Loan Forgiveness program with XXXX  XXXX. I was told that after consolidating my loans in XXXX, the time started over from that date. Problem is they are not taking into consideration my loan paid prior to XXXX. In fact I paid off several loans from XXXX XXXX  and XXXX XXXX  XXXX from XXXX XXXX. After reviewing my credit report XXXX  XXXX has reported that they actually paid these loans off via consolidation. This is not true. I have reached out to the Dep of Ed. and XXXX  XXXX  and they are not taking my issue seriously.
Product: Payday loan, title loan, personal loan, or advance loan

I have tried several times contacting Affirm to understand why my loans are being denied. When I sign into the when it tells me that my card is blocked/locked, and I am not sure why. I have contacted them several times over the past XXXX weeks and still no resolve. I get that someone will call me within XXXX days, then XXXX and then that a ticket is being issued for my concern, and to date still nothing. I also complain that I have signed into the website and told that my affirm account money balance is low and to add funds. I do not have and do not have an affirm money account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charge off on my credit report opened on XX/XX/year> ending in XXXX is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Product: Debt collection

I submitted a dispute to transunion for wrong amount reported on my credit report. I submitted court documents that stated I owe a different amount. However, transunion will not change the amount that is being reported on my credit report. Also, my wages are being garnished and transunion is showing that I am not making payments.
Product: Credit reporting

I did dispute all of the inquiries by mail and I called each credit bureau, but no one was willing to help me. I received XXXX response by mail from Equifax ( attached bellow ) and they will not help. I have tried multiple times to talk to each credit bureau and I get the same rude response and know one will connect me to a supervisor or anyone in the United States offices. Some of the representatives I talked to were very belligerent and knew of the issue from looking at my account, but they would basically tell me too bad. I am really frustrated about these inquiries because almost all of them I did not authorize and I have no idea how they got authorization to look at my credit. I am very concerned about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Near the end of XX/XX/XXXX I experienced Identity Theft on 2 of my accounts through Capital One. Capital One allowed the individual ( s ) to change my address and billing info with no verification, but because I bank online I was able to see the fraud quickly and reported to capital one. Fraud took place in South Carolina and I live in New Jersey. I believed the incident was resolved. I paid off one of my accounts IN FULL in XX/XX/XXXX. Unbeknownst to me I was being assessed a XXXX dollar monthly fee. Simultaneously I was locked out of my online account and was never sent a paper bill. I was assessed a greater than 30 day late payment on my credit " which is how I knew about the issue ''. I have never had a greater than 30 day late payment with capital one. My account till this day is restricted. I have sent in numerous documents including utility bills, tax returns, license, and SS. I was called on yesterday and told I would have to send in my license and SS again although I was told on Friday that they have it on file. What I would like to happen is that Capital One deletes the greater than 30 day late as the account was paid in full and I was never notified of this XXXX dollar monthly fee. I ask that they un-restrict my account as I have 2 other accounts with them that are unrestricted that reflect my current information. I truly believe the account compromise is due to a lack of security on the part of Capital One. I have spoken to several other people that I know personally that have had Capital One and their accounts compromised. I have tried to be patient and GIVE THEM ALL THE DOCUMENTATION they have requested, but I am reaching my patience limit with them and plan on taking my business elsewhere and closing those accounts completely. I look for assistance in this matter. 

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

not correct address on account that over ten years old account that been on report for seven years
Product: Debt collection

I called the company for 2 days trying to speak with someone about the debt. I was hung up on by a man. I called back and was talked to disrespectfully. called for the 3rd time and was able to get a rep to listen to me as I stated to here that that debt was made in fraudulent act by someone who compromised my identity. but being that I didn't want to give my current address or detail about myself I was told she couldn't help me. But then company is aware that the debt bought is a fraudulent debt that was not made by me. 

ability recovery services XXXX XXXX XXXX XXXX, PA XXXX XXXX original creditor. XXXX XXXX XXXXXXXX WHICH IS NOW PERMANTLEY CLOSED AS I RESEARCHED COLLECTION : XXXX, XXXX, XXXX XXXX # XXXX {$3400.00} XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Transunion has continually allowed data furnishers to report data that is not compliant with the XXXX XXXX XXXX. The data deviates from the standard agreed upon by Transunion according to the XXXX agreement, adopted in accordance with 15 USC 1681. This deviation from the XXXX XXXX XXXX jeopardizes the integrity of the data, Transunion has verified that false data is being reported accurately.
Product: Debt collection

I opened an account with Westlake portfolio on behalf of byte and was advised to put my payments on auto pay to avoid being late. I did this and was charged twice without my permission for two payments in the amount of {$79.00} XX/XX/XXXX and on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/XXXX. 
Per my contract I am setup for monthly payments. 
I called every single day from XX/XX/XXXX - XX/XX/XXXX in regard to resolving this mishap that took place on behalf of Westlake Portfolio. I have spoken to over 25 agents ; some have told me that the two payments were sent back to me on a debit card however that was XXXX  weeks ago, and I still have not received it. I disputed the charge through my bank and now I am getting threatening messages that My credit will be affected and i am XXXX days past due and this is NOT true. I have called and requested that a supervisor contact me to get a resolution and have yet been contacted or the agent will hang up on me. I am demanding that someone reach out to me. Figure out how to correct this account going forward and I will resume payments. If my credit is in anyway compromised I will follow up with legal action.
Product: Mortgage

I have a rental property valued at {$50000.00} more than what is worth, tried to keep afloat by renting at much lower amount than my mortgage. In the meantime, my husband and I have used just about all of our savings to pay for other necessary expenses such as : property management fees, homeowners insurance, homeowners association fees and other expenses related to the up-keeping of the property. Throughout the months I have contacted my bank ( Wells Fargo ) seeking some assistance as to it has gotten harder and harder to financially support the avoidance of foreclosure but to no avail all I heard was to do a short sale or foreclose and was told you do n't qualify for any of the programs because your loan was not from XXXX XXXX or XXXX. Now, after struggling to make payments on time I have been late 2 times and they are telling me that because I was late I am not eligible for the program ... .very deceiving, called 4 months ago and was told that did not qualify for any assistance even if I was up to date now, because we were late 2 times we do n't qualify because of it. Getting assistance from family has allowed us to make payments on time but is getting harder since the situation is not getting any resolution. Please assist us in finding ways to continue to pay for the property at a reasonable price and to be able to avoid foreclosure since it does not benefit any participating party. We want to do the right thing!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXXDate of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XXXX XXXX-Date of Inquiry XX/XX/2019 XX/XX/2019