23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan Number : XXXX Union Home Mortgage took over the servicing of my mortgage effective XX/XX/XXXX. The company is negligent in paying the homeowners insurance that is due. I attempted to reach out to the useless servicing email at the company and the reply was that the next payment for XXXX XXXX will be in XX/XX/XXXX. 

Proof attached shows that the XXXX XXXX XXXX XXXX is DUE on XX/XX/XXXX for a total amount of : {$1400.00}, also, attached is proof that Union Home Mortgage was mailed the declaration pages.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a credit alert that my Affirm account was reporting 60 days past due. I do not currently, nor have I ever had an account with Affirm. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.
Product: Credit reporting or other personal consumer reports

I submitted a complaint through CFPB in XXXX of this year for accounts on my Transunion report, it was found that some accounts are inaccurate. Those accounts are still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

My private information was exposed to those that would use it for nefarious purposes. I did not provide consent to the credit reporting agencies and yet, my personal information can be requested and released to those that pay for it. With the recent data breaches, my information is now in the hands of hackers that, due to the lax security standards in place at the three major reporting agencies, can now use it for whatever they choose, including selling to the highest bidders. My report is now riddled with various items that create a barrier to my living situation.

According to 15 U.S.C. 1681 : - Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Since the privacy of my information was not protected and the responsibility of the agencies XXXX, Equifax, XXXX was not properly upheld, this must be rectified. Their failure to properly safeguard my information has caused significant harm to my livelihood.
Product: Credit card or prepaid card

I ordered facial cream from XXXX to try their product for free if I paid shipping cost of {$6.00} I received a charge of {$44.00} on my Citi credit card from this company on XXXX and did NOT notice the extra charge as I was paying many bills from XXXX spending I received a bill XX/XX/22 for {$270.00} from the same company and called Citicard to cancel this card as I received no communication from them and agreed to nothing to warrant these charges I received a new card from Citicard My new card had the same charge of {$270.00} on XX/XX/22 and I called Citicard and they told me that I lost the dispute so the charge was still owed I did NOT give my permission or card number to the cosmetic company I was NOT part of the dispute I tried to reach the cosmetic company but the phone number provided by Citicard was a company that denied they had charged this amount I couldnt reach anyone at Citicard that would help me with this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows ( 1 ) derogatory item in my report, but does not give me an option to submit a dispute. The item is older than 7 years and should be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$0.00} Consider this as a follow-up to my prior complaint dated XX/XX/2023 XXXX
Product: Checking or savings account

My account has been frozen.. 
My IRS Refund has been release to the account XXXX XXXX 
XXXX has not been communicating nobody is helping I just want my funds that can be verified from the IRS. My rent needs to be paid I am facing an Eviction!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a personal loan with XXXX XXXX. They stated I would only have one hard inquiry, but I am showing two within a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A  XXXX XXXX XXXXXXXX XXXX  has been impersonating me. on XX/XX/2022 ( 6 ), she took unauthorized photos of my son XXXX XXXX XXXX and posting them on XXXX. She has been pretending to be me for years. XXXX XXXX XXXX XXXX is a dangerous individual, scammer, impersonator.
Product: Credit reporting or other personal consumer reports

Inaccurate information is on account is has not been changed since disrupting inaccurate credit information, names and addressess
Product: Debt collection

XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones
Product: Credit card

On XXXX, XXXX made payoffs in the amount of roughly USD $ XXXX to my various creditors after having received a payout from a re-finance within my family, of this, roughly USD $ XXXX went to Citi to pay off XXXX Subsequently, this triggered a " Periodic Review '' of the card which was already set to expire in XX/XX/year>. I was told the following : -Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines. 
-Your unused credit balances are low on one or more of your accounts with us Citi chose to specifically close my oldest card with them and damage my credit, yet again. I do not understand how this decision was made when I have two other cards with significantly larger limits on them. I would have preferred to close down one of those instead of my oldest line. Please see screenshot of the payoffs that were JUST done on XXXX to various credits which refutes the first Adverse Action point and then as for the second one, if Citi would LIKE to continue with this, I am willing to close the card ending in XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I have loans from my XXXX school studies at the University of XXXX from XXXX. These loans at the time totaled $ XXXX. Since then I have made arrangements which I was led to believe by Navient would be the best way to deal with repayment. In light of some recent research and discovery, they acted in an unethical and predatory manner by allowing my loans to continue to increase to $ XXXX with capitalized interest and high interest rates that are unfair and unrealistic. I would have made different arrangements in the days after graduating or went in a different direction had I understood how much my debt was increasing every year. I have repeatedly called for assistance and have only received forebearance or smaller payments terms that did not allow me to pay down my debt but rather allowed more and more interest and penalties to be added and now it is a completely unrealistic amount I can never repay especially not in a 10 year term and have enough money to pay for anything else. I am barely making it now as it is with taxes on a full commission check, healthcare costs, childcare, etc. Apparently I am not alone in this view as many others have the same issues. There is also a lawsuit with the same charges against Navient. I am formally filing this complaint to add my name to the list of those that have been treated unethically and unfairly by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to Equifax regarding hard inquiries showing on my credit report that need to be removed. A copy of the police report was also submitted.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt XXXX. 
I never sat across a table from any of the alleged creditors and debt XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Checking or savings account

On XXXX XXXX, my Fifth Third Essential Checking, without my authorization, initiated a transfer of {$1500.00} from my XXXX personal checking account -- I do not have enough money to cover bills coming on that were to be paid with the money Fifth Third is taking from me. 
XXXX XXXX has warned me overdraft fees and unpaid fees will be assessed for every bill that comes looking for money and doesn't get it. 
-- Right now there are dozen different companies I owe money to who, through electronic transfer from the XXXX account, is trying to collect their due. This means the fees will rack up into several XXXX XXXX that I can not afford to pay. 
-- I did not authorize this. I can prove I did not authorize it. Search my history on all my devices- my desktop, my smartphone, my laptop. I didn't do this. Someone is essentially stealing my money. 
-- Fifth Third and XXXX tell me there is nothing they can do to stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/ I spoke with Equifax customer service I have purchased XXXX Equifax and XXXX accounts to keep a track my credit score online I am able to see my updated XXXX files but Equifax has an error or BLNK I was advised my credit file may be split in half I have repeatedly called Equifax and given this code as the website instructs me to do I am told someone will reach back out no one has contacted me as of date I contacted again today XX/XX/ and still not resolution I would just like to be able to pull and have my updated credit score each month as every other consumer
Product: Debt collection

In the beginning of XX/XX/XXXX I realized I had two accounts reported as outstanding collections on my credit report. The collection agency is Portfolio Recovery Associates. I contacted the collection agency and requested verification of the two debts. I was sent a letter for each account saying I owed the amounts they showed. A letter stating I owe the debt is not verification of the debt under the Fair Credit Act. I have written to Portfolio Recovery Associates and requested these items be removed from my credit report.
Product: Mortgage

I attended a meeting with Chase ( XXXX ) to refinance my mom 's mortgage loan as her Trustee and DPOA. Chase has the POA on record for her existing accounts. When I arrived at the appointment with the LO, I brought my mom 's most recent XXXX award letter and informed the LO that I was a Mortgage Audit Supervisor. He read allowed a disclosure to me based on the purpose of the meeting and disclosed that before he could take my application, he needed me to provide additional documentation which included previous income, bank statements, etc. This seems to violate Section 19 ( e ) ( 2 ) ( iii ) Verification of Information because Chase is requiring me to provide them with  documentation not only before submitting an LE but before I can even complete the XXXX Application. My mom banks there so they can see her XXXX income directly deposited, her Rental income directed deposited, and her assets. However, I was told to come back once I had all of the documents and my appointment was cut short. Please assist in enforcing the section on Verification of Information prior to being allowed to complete a Loan application. Even though I am in the industry, I felt discouraged in completing the application based on that type of flattened disregard of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion repeating putting wrong employer information on credit report. Information keeps reappearing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XX/XX/XXXXAccount Number : XXXX Balance : {$3500.00}XX/XX/XXXXXXXX Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act TD Bank USA/ Target Credit XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX several times about this matter, XXXX is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but XXXX had not done that at all.Not happy with the XXXX XXXX company
Product: Credit reporting

my credit report is skewed because of the amount of money owed related to the credit limit. 
I have a XXXX credit card, that had a credit limit of {$13000.00} in 2014. They reduced thelimit to {$9200.00}. This increased my " debt to limit ratio '' to an unfavorable rate. I am penalizedtwice. I did have late payment which I do not challenge. But the ratios that are used do nottake into account the reduction in the new limit. XXXX reason it was reduced- lack of use inXXXX stores.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting information on my rental report as both paid in full and as a write off Legally Per the FCRA a item can not be both " Paid In Full '' and " Charged Off '' the Account XXXX is listed as FCO-FAIR COLLECTIONS AND OUT XXXX XXXX XXXX
Product: Mortgage

A previous Mortgage company claims a payment became missing during my Chapter 13 status ( XX/XX/XXXX to XX/XX/XXXX ) and they ca n't or will not provide specific documents indicating exactly what month that the payment became missing. The Mortgage servicing company has since transferred my loan to another Mortgage company showing a missing payment and also with claimed unapplied funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off 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, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.