23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer is Newrez LLC. 

The property loan has an escrow account for taxes and hazard and homeowners insurance. 

I am Successor in Interest on the loan. 

Dwelling Insurance Policy should have been paid out of escrow funds on XX/XX/XXXX ( latest possible day ). 
XXXX XXXX did not pay the hazard policy. 

I paid {$3300.00} on XX/XX/XXXX. 
Payment was accepted on XX/XX/XXXX. 
I have the Insurance Payment Receipt. 

New Rez has not repaid me so far. 

The dwelling insurance is through my XXXX agent, as a California Fair Plan policy. 
This was a renewal policy, and not a new policy. 
I received a letter via mail on XX/XX/XXXX from NewRez Insurance Department stating that evidence of property insurance documentation was received. 

NewRez was requested that the Named Insured be changed to the deceased. 
I am the deeded property owner. 
This is a renewal Dwelling Insurance and there has been no changes to the policy ( other than the cost as The California Fair Plan, is the insurer of last resort for mountain properties in the area. 
NewRez has informed me that they purchased Lender-Placed Hazard Insurance on XX/XX/XXXX. ( Cost is {$3900.00} )
Product: Checking or savings account

I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

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

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from NAVIENT that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that NAVIENT was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
Product: Credit card

I received a fraud alert on or about the evening XX/XX/XXXX from AT & T Universal, Citibank. I called on the morning on XX/XX/XXXX, and disputed the charges and directed the card bearing last 4 digits ( XXXX ) be cancelled. After the card was purported to be cancelled, credit card company continued to report fraudulent transactions and I continued to contact them and dispute the charges. Nevertheless, when I received my XX/XX/XXXX statement, 4 disputed charged that were processed on XX/XX/XXXX appeared on my statement. Those 4 charges were made 1 day AFTER the card was cancelled. 

AT & T Universal, Citibank, issued me a new card ending in XXXX. I did not activate the card. Nevertheless, AT & T Universal, contacted me about charges being made on the old card ( XXXX ) and the inactive new card ( XXXX ). 

After numerous attempts to resolve matters, I cancelled my AT & T Universal account ; having been a member since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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  XXXX Balance : {$20000.00} XXXX  XXXX XXXX Balance : {$21000.00}
Product: Credit reporting or other personal consumer reports

XXXX with a balance of XXXX charge off XX/XX/year> sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed.I am requesting the issuance of a XXXX form for the charge-off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) and Code XXXX U.S.C. XXXX ( b ), income that has been reported to the IRS via a XXXX can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. This account was taken as a loss when transferred to the a XXXX party XXXX XXXX. I am responsible for filing this account as income on my tax return and it is against the law for a creditor to take a loss and show this as charge off on a consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern Someone Has stolen My Identity. They Open Accounts Using My Personal Information, This is an Un bearable Stress that I need help resolving. I cant Understand how Can they use your personal Information with out you being present or having your authorization with your Signature
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : 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
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I noticed that my credit score dropped. I checked my credit report and noticed multiple inquires on my credit report. I authorized a few of them but some of them I did not authorized. I read the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX  : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. I need this fixed ASAP. 30 days should be enough. 

I have also sent a letter to the furnisher asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 

Help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland Funding LLC is committing fraud by claiming I owe them a debt, I never signed any contract with them, they can not legally validate that I owe them a debt, my name is not spelled in ALL CAPITAL LETTERS because that's a fiction and I'm a flesh and blood human being, I've reserved my rights under UCC 1-308, My Moorish Appellation is XXXX XXXX which is my free national name, this debt collector isn't the original creditor, and never loaned me anything, I have laws that protect me under the FCRA, specifically Section 609, I don't understand why this debt collector hasn't been removed from my credit file, unless multiple organizations are partaking in fraud, in which I can sue any organization that chooses to do so, I request your organization take action on this notice, if by chance you agree with the fraud and identity theft taking place by Midland Funding LLC, then I will also have to include this organization in my lien process as well, Midland Funding bought this debt from someone else. That's reason enough to remove this debt from my credit file because it doesn't pertain to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion not properly doing investigation. XXXX account was previously disputed and removed from credit report due to inaccuracy. Transunion allowed them to rereport and will not remove account
Product: Debt collection

This is the law for complaint I filed XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. Complaint ID for reference : XXXX XXXX XXXX THESE ARE THE NEGATIVE ACCOUNT THAT ARE IN QUESTION Collection Account XXXX : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hi I was the victim of a identity theft case. I actually got all of my information stolen. Now that I am finally able to check my report.. I see how the credit bureaus are reporting false information to my report causing me to not get approved for a Mortgage, auto, or personal loans. 

Experian is reporting all this FALSE information and affecting my score severely XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In u.s.c 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

This account with XXXX XXXX supposed to show closed on Equifax and still show transferred. I want Equifax t fix this issue immediately.
Product: Debt collection

Company : XXXX XXXX XXXX I cancelled service in XXXX of XXXX for internet service. I spoke to someone that sounded foreign. They said they would cancel. I was contacted 6 months later saying my service was turned back on. I called and told them to cancel it. They sent an email stating my service was cancelled as of XX/XX/2022. I was contacted by a debt collector saying I owed XXXX to this company for services I never used. I cancelled this service in XX/XX/2022 because I never used it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my SSN with Equifax since XX/XX/. I have submitted multiple disputes and my SSN has never been updated.

Deceptive business practices. The customer service representatives will tell you that they have received the information and that it will be processed. The result of every dispute is that my SSN is correctly reported on my profile, with no attempt to change it even with the supporting documents provided. 

Since my last complaint, I submitted a new dispute with Equifax and it has again resulted in no change to my SSN.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : New Complaint and Evidence** This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id Blue # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least XXXX times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor. 

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Debt collection

Bank Of America has contineously reported this account as a " Charged Off '' account on my XXXX, XXXX and XXXX credit files. Additionally, they are updating these inaccuracies monthly as " Last Active '' when this account is in fact closed. This mark further damages my credit report. I have reached out and disputed these inaccuracies, with the credit bureaus and I do not believe they verified this information. This is a violation of my consumer rights under 15 USC XXXX.
Product: Debt collection

The collection agent named XXXX XXXX at Revenue Group, stated to me word for word when I asked why she needed my employment, " You do n't need to worry about that, we will find your employment, trust me ''.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 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

This company AES/PHEAA, Has placed a student loan on my credit report as a co-signer. I haved never requested a a loan from them nor have I agreed to be a co-signer. In fact, I Just noticed this loan to appear on my credit report after my account was breached at XXXX. I received notice from XXXX   that my information had been compromised. I did not attend any school to ask for a loan. All my loans are with another company. I have not received a letter from them because it is not my loan. I believe This company is trying to forced me to be a co-signer on a loan that is not mine. 

thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has this dispute listed as a charge off but is reporting as payed as agreed. 
This account was also purchased by another creditor and no XXXX was provided for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please block these items in my file : XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance XXXX {$100000.00} XXXX XXXX XXXX XXXX : {$100000.00} XXXX XXXX XXXX XXXX : {$100000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  XXXX Balance : {$100000.00} XXXX XXXX  XXXX Balance : {$100000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was included in a data breach at Equifax. My personal identifiable information was used to open a fraudulent account for a vehicle. This was done without my consent or knowledge. Here is the information appearing on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} {$0.00} I reported this item with the FTC # XXXX ( Report Number ) I have contacted XXXX by phone and attempted to file the dispute online but the disputing system that they have is flawed and will not let me submit my dispute. They have continued to make my submission process increasingly hard. This fraudulent information is preventing me from getting or applying for credit.