23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mr. Cooper is my mortgage servicer. Last night they ILLEGALLY and FRAUDULENTLY cleaned my entire account out. The issue occurred on XX/XX/2021. I am actually ahead on my mortgage and this company debited my personal banking account several times last night and cleaned it out putting my account in the negative. This was NOT a legal transaction and this company did NOT have my express permission to do so. Im demanding my money be returned and Mr. Cooper pay closing fees for a new Mortgage servicer of my choosing or I can just take it to small claims court. Ive already submitted a complaint with the FBI and XXXX. Mr. Cooper is refusing to answer their phones and keep hanging up on everyone. THIS IS FRAUD DOWN TO ITS VERY CORE!!
Product: Credit reporting or other personal consumer reports

This account is not mine, and I have no association with it whatsoever. It is critical that this issue be resolved quickly, as it is causing undue harm to my credit history and is completely misrepresentative of my financial standing. I understand that credit reporting agencies must ensure the accuracy of the information they report, and in this case, a mix-up between my information and that of another individual is clearly a mistake that needs to be corrected without delay.
Product: Debt collection

My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My card has been in a delinquent status for a period of several months and I have received calls and spoken with agents who have advised me of the minimum payment that must be made in order for me to avoid my account being closed and transferred to collections. I have repeatedly made the minimum monthly payment over several month time span with the intention of making the entire past due payment when I had additional funds. On XX/XX/XXXX, I contacted customer service in order to inquire regarding what my minimum payment would be for the month and I was advised that it was {$110.00} dollars which needed to be paid before XX/XX/XXXX and as a result I completed the full payment of {$110.00} on XX/XX/XXXX to ensure that there was no mixup with the dates in which the payment posted. On XX/XX/XXXX, I received mail correspondence that my account was closed and that it had been charged off to collections. Upon calling in to customer service I was advised that I was given misinformation and that the minimum payment to prevent the closure and charge-off of the account was {$140.00} and not {$110.00}. If I had been given the correct information I would have made the full payment of {$140.00} which is something that I have repeatedly done in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a correct to my personal information on my credit report on XX/XX/2020 as follows : To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX XXXX My only employer is : XXXX XXXX XXXX, XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX of this was completed in 30 days as per regulations. I am looking into retaining an attorney to get this matter resolved in the courts if this information is not updated. I included a copy of my driver 's license in the letter. 

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

There are inquiries on my report that I have not approved of. I have started my claim with identity theft with the identity theft.gov and I am requesting that these inquiries be removed. I have also contacted the companies that did that inquired as well as all three credit bureaus. 

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 Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a secured credit card with Discover Bank in XXXX. Upon opening of the account an initial security deposit was placed to secure the account. 

Discover Bank closed the secured credit card account and failed to apply the initial security deposit to the outstanding balance on the account. This has resulted in fees, late charges, interest and other accruals with the account. 

The account was opened on XX/XX/XXXX with an account number of XXXX. The balance reported as of XX/XX/XXXX is a past due balance of {$390.00} when this account had an initial credit limit of {$200.00}. This account also included fraudulent charges made to the account which do not reflect the outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts have violated my rights : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX  Account Number : XXXX 15 USC 1681 Section 602A. States I have the right to privacy 15 USC 1681 Section 604A 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

To Whom It May Concern, I am filing this complaint to address an unresolved issue with TransUnion regarding a fraudulent account listed on my credit report. Despite my efforts to dispute this directly, the account remains on my report. 

The account in question is with XXXX XXXX XXXX XXXX, account number XXXX. I have confirmed this account is fraudulent, as I did not authorize or provide permission, nor did I provide written consent for its inclusion on my credit report. I believe this is the result of identity theft. 

The account does not belong to me and was not authorized by me. 
Supporting Evidence : I have provided a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
My fraudulent dispute letter attached highlights the account in question. 
Proof of my identity and address is also attached. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to the blocking and removal of fraudulent accounts upon submission of an identity theft report. TransUnion is legally required to : - Block the fraudulent account within four business days.

- Notify the furnisher of the fraudulent account that it has been blocked. 

Despite these requirements, TransUnion has not acted promptly to remove the account. This delay continues to harm my credit and causes unnecessary distress.
Product: Credit reporting

This letter is in regards to XXXX accounts that were recently removed from my credit report. This is the XXXX time I am sending out this request. Unfortunately, XXXX of them were disputed in error and must be re-inserted. XXXX were removed on Equifax 's end in error, as only the comments were unverified. Please re-add the following accounts back to my credit report and send me confirmation of this. I continue to receive no reply in regards to this and they refuse to correct this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$25.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XXXX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$260.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$510.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$510.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX
Product: Checking or savings account

on XX/XX/XXXX my checking account at associated bank had a positive balance of {$62.00} dollars, then on XX/XX/XXXX it has a positive balance of {$22.00}. I know this because I had been transferring money from my savings as the balance was getting low. FOR NO REASON, on XX/XX/XXXX associated bank charged me {$64.00} dollars of OD fees unauthorized as I have overdraft protection set up, first off, and the account balance was not negative, if it was, the overdraft would kick in for the {$110.00} charge that came through. when asked about it, they told me that {$700.00} was overdrawn when that is not even close to the truth. they are fraudulently taking fees from customers unsuspecting accounts to make money. Please see the image. They need to credit back the account and use the overdraft protection as it should be used correctly and not lie about it. I can see exactly when the account went negative and they did on XX/XX/XXXX when I had a positive balance of {$22.00}. They could have moved XXXX  over. no, they lied and charged.
Product: Student loan

I have been trying to deal with this company since XXXX of 2023. I knew my student loans were about to start back up, even though I continued to pay them throughout the pandemic, I needed to resubmit my IDR, I spoke with their customer service and they told me that my IDR was approved - I never received any paperwork confirming. The service rep told me that my XXXX payment would be what I have been paying {$160.00}, which is what I am able to do on my XXXX  salary. XXXX rolls around and I get a bill for {$360.00}. I pay the {$160.00}, because that is all I can afford and call again. They say that my new payment is {$370.00} with my IDR- now normally my XXXX and I both go through the IRS approval to get our IDR, there was none of that process this time. I told the service rep that I can not afford the {$160.00} right now as I haven't had a raise in over XXXX years. She asks if I want to defer or go into forbearance, I told her I had to think about it because the interest would be outrageous. Well I tried to schedule a meeting and every single date is taken, I call XXXX XXXX and ask for deferment/forbearance info and I still have yet to receive. I have done some research and found paperwork, but until that goes through I have payments that are compounding. The fees are ridiculous and at the rate I don't know how I am going to pay them back. It is practically impossible to talk with a human and I am at my wits end.
Product: Credit reporting or other personal consumer reports

Hard inquiries from the same institution showing more than one time : XX/XX/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 XXXXXXXX Not recognized hard inquiries : XX/XX/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 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 BIRCHWOOD CREDIT SERVICES, INC BIRCHWOOD CREDIT SERVICES, INC, 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

Today I spoke to XXXX employee number XXXX at Equifax about fraud on my credit report concerning inquiries. 
After first asking if he was the fraud department I was put on hold while he located my credit file. 

I spoke about the two FTC letters that I had previously sent to have inquiries removed that were part of identity thief and that were not tied to any accounts that are reporting on my credit file. 

I have included XXXX letters that I filed with the FTC concerning the inquiries and the letters I sent along with the FTC LETTERS. 

I was told by XXXX that inquiries are not disputable and when ask about document of the stated process concerning inquiries I was told I can have that document. 
I was also told that they were not removed even though I received a letter stating they were was because I didnt separate the duplicate inquiries as separate line items. 

As you can see I have sent multiple lettersFTC reports and Equifax even had a fraud alert that I never requested on my report while some of the inquiries took place!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resubmitted complaints against all 3 loan companies that I notified prior to XX/XX/XXXX and after my employment loss due to Covid that occurred on XX/XX/XXXX at which time I submitted all necessary unemployment insurance paperwork for the UI ins I purchased with the loans ; I have also filed complaints with you against each of my credit card companies that were notified, and still reported late payments from the period of XX/XX/XXXX through now ; I had contacted all 3 credit beauros regarding the errors as well, but these accounts are still not being reported properly. Im still unemployed and have contacted my local representatives and governors office to help me with my federal and state XXXX claims.
Product: Money transfer, virtual currency, or money service

I am writing regarding Zelle disputes in regards to the lawsuit. They gave a hard time reimbursing funds. They continue to neglect consumers when we deserve protection against those who exploit the system.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed collections and closed accounts on my credit file that are not accurate nor do i recognize them. These inaccurate accounts are violating my rights and hurting my ability to obtain credit. 
I recently contacted Transunion multiple times about removing these accounts off my credit Report and didnt get it resolved at all. 

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: Payday loan

i paid two weeks in advance after taking my daughter out of this XXXX in XXXX XXXX, TX '', i have checks and bank transfer to prove it. not they are trying to charge me for an additional two weeks even when my baby was n't there. i do n't own any money and they threaten me with damage or reporting to the credit bureaus. i have all the evidence and probes that i do n't own any money.
Product: Credit reporting

I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit.
Product: Credit reporting or other personal consumer reports

XXXX has violated the FCRA by reporting inaccurate information on my credit report. XXXX acct # XXXX opened XX/XX/2019 is reporting on my credit report as charge off/collection. This is NOT my account. This erroneous information is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX no credit score fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : XXXX, EXPERIAN AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I was going threw my credit report and saw that a account by the name of XXXX ACCT NUMBER XXXX is on my credit report. I know nothing about this account and I file a identity theft report. i also send Experian the identity theft report but I haven't receive any feed back yet and it been over 30days my TRACKING NUMBER for this dispute XXXX XXXX XXXX XXXX XXXX XXXX. By the post office. Also here are some laws that this account is VIOLATING my consumer rights of Privacy 15 U.S.C 1681 Procedure in case of disputed accuracy ; Section 2 Prompt notice of dispute to furnisher of information 15 U.S.C 1681- Treatment of inaccurate or unverifiable information 15 U.S.C 1681s Responsibilities of furnishers of information to consumer reporting agencies
Product: Credit reporting or other personal consumer reports

DNS ASSOCIATEXXXX IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NEVER SECURED BUSINESS WITH DNS ASSOCIATES, I HAVE NO RIGHT TO REPORT ON MY CREDIT REPORT. I MADE MULTIPLE ATTEMPTS DIRECTLY WITH DNS ASSOCIATES, XXXX TO PROVIDE ME DOCUMENTATION BEARING MY SIGNATURE, AND TO-DATE, ALL MY ATTEMPTS HAVE BEEN IGNORED. THIS IS A VIOLATION OF THE FCRA AND MUST BE REMOVED FROM MY REPORT.
Product: Checking or savings account

On XX/XX/XXXX, I noticed an unauthorized transaction of {$470.00} pending on my account. I called PNC and told them I did not authorize that transaction, so Im requesting that they not pay it. They said there is nothing they can do until the payment is posted. I waited overnight for the payment to post, and hoped they would have listened to my request, ESPECIALLY BECAUSE I DID NOT HAVE ENOUGH MONEY IN MY ACCOUNT TO PAY THE TRANSACTION. Any reasonable person would have thought that if the customer called in about the transaction, and said they didnt authorize it, AND there is NOT SUFFICIENT FUNDS TO PAY THE TRANSACTION, AND, the BANK HAS THE DESCRETION OF RETURNING THE ITEM, as they have done in the past, why would the bank choose to go ahead and pay it with THEIR FUNDS,, then CHARGE ME ALL KINDS OF FEES, and put my account into a state of overdraft. 

PNC HAS THE DESCRETION OF EITHER PAYING OR RETURNING AN ITSM, FOR WHICH THERE IS NOT SUFFICIENT FUNDS. PNC CHOSE TO PAY IT, EVEN AGAINST MY WISHES, WHICH THEY KNEW ABOUT BEFORE POSTING THE TRANSACTION. 

I called and filed the dispute after the transaction was posted and the bank told me they can not do any conditional credit until the 10 days it takes to process the dispute, while PNC Bank will charge me DAILY fees until they resolve the dispute! Now ALL my scheduled transactions will be returned, including my car insurance, just because PNC decided to use their funds to pay a transaction I told them I did not authorize, and there was no money in my account to pay it and my account is messed up. 

PNC could have issued the conditional credit, and I could have deposited the smaller amount the account would have been overdrawn by, and my account would have been fine. Now, I do not have the use of my account because PNC decided to use their money to pay a transaction I alerted them about.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is listing my personal information as, " Formerly Known As '', XXXX. Further, on their options to " DISPUTE '', EQUIFAX is providing no options. I have provided a copy of their website showing this listing of a name I have never been known as, and EQUIFAX providing NO option to dispute.