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

XXXX XXXX XXXX - XXXX is reporting erroneously on my credit file. I had previously placed a complaint and I have a few issues with the response. 
As previously stated I set up my account with auto pay as I do with all my accounts to avoid any late payments and when I checked my credit file I noticed a XX/XX/XXXX late. When I noticed this late I called and paid it immediately and even paid a couple month in advance to make sure this issue never happened again. XXXX did not notify me of this late until the late notation had already been reported to my credit file. As a customer who makes ALL of her payments on time this was very disappointing because I had no idea of this late until it ruined my credit. If I would have known there was some sort of issue with my auto draft I would have fixed it to avoid this late notation. I am asking that you please remove this late as a one time courtesy for your long time customer. 
In their response they stated they had a ( 1 ) 60 day late for me and ( 1 ) 30 day late. When I check my credit file I only see the 30 day late for XX/XX/XXXX. NOW this late is being reported for XX/XX/2020. Why is it that they can not remove the erroneous reporting but they can move the late around on my credit file??? 
They stated they made several attempts to contact me but I was not contacted and was not aware of this late until I checked my credit file. AFTER this I received a notice in the mail but the account had already been taken care of. Why did XXXX wait so long to notify of the delinquency? 
I do not appreciate the lack of communication from XXXX and demand the late be removed from my credit file. This is not my fault, I was under the impression that my payments were being made and was not told otherwise.
Product: Credit reporting or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out 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
Product: Credit reporting or other personal consumer reports

I am really frustrated to see unauthorized inquiries on my credit report without any explanation. I checked my credit report as usual, but this time, something was clearly wrong. Refreshing my browser made no difference. Please carefully review the documents Ive submitted so I can avoid this hassle in the future and stop worrying about my credit report.
Product: Debt collection

I rented a car with XXXX XXXX XXXX in late XX/XX/XXXX. Through my bank, I disputed a charge for {$150.00} because it was wrong and was never told why I was being charged this. My bank opened a claim and I was told they would resolve it. Today ( XX/XX/XXXX ) Viking Services called me, claiming I owed {$150.00} in debt to XXXX, which I had not been made aware of before. I called XXXX, and they told me that they have been trying to charge my credit card for two months, but because of the claim I filed with my bank, the charges were unsuccessful. According to my bank ( XXXX XXXX XXXXXXXX ), XXXX already won the dispute and got the {$150.00} back through their bank. The claim has not been finalized yet but my bank confirmed today that they received the money. Thus, the debt collection efforts they made are illegal and moot. And I STILL have received no explanation as to why Ive been charged {$150.00} - not from XXXX nor Viking.
Product: Credit card or prepaid card

In XX/XX/XXXX a fraudulent charge appeared on my Discover card from a company called XXXX XXXX WA for {$390.00}. I have not done business with this company before or since. Discover reversed the charge, originally from XX/XX/XXXX, but on XX/XX/XXXX, with no explanation, restored the charge. 

I called their main number at XXXX and spoke with a XXXX who claimed to be a supervisor. XXXX refused to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020 my mortgage was sold from Prosperity Home Mortgage to XXXX XXXX. PHM never informed me of the sale by mail, email or telephone. Due to this, I made my first payment on XX/XX/XXXX using PHM 's online payment service. On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX dated XXXX XXXX, 2020 stating that my mortgage had been sold and my payments effective XX/XX/XXXX were due to them. I immediately called PHM on the XXXX of XXXX and was assured that my payment was being transferred to XXXX XXXX. As of the time of my writing this on XX/XX/XXXX, the payment has still not been sent to XXXX XXXX. I have contacted PHM on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I have been told they will look up my issue and get back to me with an update. They have not once followed up with an update despite taking down my phone number and email during each call. If I had been properly notified of this mortgage sale by Prosperity Home Mortgage I would be in this situation and would've made the payment on time to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TD BANK USA/TARGETCRED AND XXXX XXXX ARE IN VIOLATION 15 U.S. Code 6802 A 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.
Product: Checking or savings account

I found check fraud against my checking account ( someone intercepted a check from the mail and altered the pay to field ). Call 1 to USAA, they had trouble submitting the complaint, I was told they would call back once they got it to go through. Call 2, I called because I never heard back, and was told the fraud complaint was submitted and I needed to wait. Call 3, I had waited a couple of weeks and still hadn't heard anything, was told that the complaint was never actually submitted, but they got it to go through during this call. Call 4 a couple weeks later, was told it was still processing and they were backlogged. Call 5 was because I suddenly found that all my accounts were frozen ( not just the account with check fraud ) and a bill payment had been rejected. Spent over an hour on the phone straightening it out, and when I asked why I wasn't informed about the frozen accounts, the rep confirmed no notice had been sent out ( she didn't know why not ). They also refused to reimburse me the NSF fee from the rejected bill payment. All reps I spoke to except on Call # 3 were incompetent. And freezing ALL of my accounts without ever informing the customer is unacceptable bank practice.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two recent credit pulls that have negatively impacted my credit score. The first occurred on XX/XX/year>, by XACTUS, which I believe was mishandled by my representative, resulting in an unintended outcome that has unfairly affected my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was taken advantage of due to non-practical laws being broken due to LCRA by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against the law.
Product: Credit card or prepaid card

Bank of Americas website, mobile app and customer support are all down when attempting to activate my XXXX card. They are telling me it's the wrong information but the information is correct and I'm unable to activate my card because of it. They are telling customers via XXXX their website isnt down but its actually not true and they're misleading their customers in this way. When you call into customer service, they transfer you to card activation which responds with " this person has a voice mailbox that has not been setup yet, good bye. '' They are XXXX peoples livelihoods and could care less.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$18000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$550.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$430.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$310.00} ), XXXX ( Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$300.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt collection

The company is XXXX XXXX in California. Previously I requested them to send validation to me or an address to mail payment to. They refused and said they can not do that. They falsely represent themselves as attorneys. I told them do not contact me or my family without sending me the validation letter. They continue to call multiple times and call members of my family stating they sent out documents which they never have sent anything. The number they call from is XXXX. They are not a law firm in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY CHXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding my credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following inaccurate information on my credit report. To this date, they have not responded. I am providing the details of the inaccurate information and the necessary corrections below : The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX  : {$390.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Please remove it from my credit report.
Product: Debt or credit management

Lexington Law firm was charged me ridiculous fees for services in promise to help increase my credit score. Obtained additional personal information from me. They never sent letters as promised. In fact there where no increase in my scores for 2 years I had an opened account.
Product: Payday loan, title loan, or personal loan

Chrysler Capital gave me a payoff quote I paid the asking amount they cashed the check from XXXX XXXX and will not release my title now
Product: Debt collection

I Received a collection on my Credit report from credit collection services on XXXX for an amount of {$510.00}, i have not aware of this balance, this balance is a fraud please i would like a debt validation on this matter, if they can't provide that debt validation i want this charge to be remove from my credit report This is what i requested on the debt validation a ) detailed list of the historyof payments made by me on this account b ) I want to see the signature that i put on the contract guaranteeing that i would pay this creditor c ) I'm asking to see has there been any insurance claim found on this debt d ) I want proof that you have the chain of title to collect on this debt
Product: Mortgage

Good afternoon, Can you please advise me on how I can file a complaint about an overcharge by XXXX XXXX  during my reinstatement on XX/XX/2017. The judge allowed XXXX in attorney fees and they charged me {$54000.00} plus {$5000.00} in committee fees and would not reinstate the loan at the final hour unless I paid that amount in full. The next day they were going to have an auction for the sale of the house so I was forced into paying that amount so I didn't lose the house that I owned for 20 years. I have reached out to the bank but they strung me along and refuse to pay me back. I just got a notice that XXXX XXXX sold the bank to Peoples United Bank. Both banks are located in Connecticut. This might be why they didn't feel it was necessary to pay me back. 

When you review the documents you can see they even charged the amount from the morning of XX/XX/2017 from XXXX to {$59000.00} Thank you in advance for your help with this unfortunate situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}
Product: Credit reporting or other personal consumer reports

Problem Description : The account identified as XXXX XXXX appears with a status of " charge canceled '' and negatively impacts my XXXX XXXX. 

Lack of Knowledge of the Account : I do not recognize this account, and no supporting validation or documentation has been provided. I request an investigation to confirm its authenticity or its removal if it can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed several accounts on my credit report asking the bureau to validate these debts including the manner of which the debt was validated, the original contract displaying my signature, the names and titles of all persons verifying debt. I have not validated these debts and nor has Equifax. According to the FCRA if these debts are not validated they must be removed from my credit report.
Product: Mortgage

Mrs. XXXX applied for a modification w Rushmore loan management. She applied several months ago n has submitted all the required documents. As time went on they ( rushmore ) kept requesting more n more documents saying the previous ones were outdated. Mrs.XXXX complied n submitted the reqired updates. I ( XXXX XXXX ) called rushmore numerous times to ask for updates n to ask if anything else was needed. Sometime in early XXXX i reached out to rushmore knowing that the 37 days prior to the auction date was nearing n talked w XXXX she identified herself as the processor handling the file. She told me on or about XX/XX/19 that all necessary docs were in n that she was going to move the file to the next phase for approval.keep in mind this was still 37 days prior to auction date. On or about XX/XX/19 i reached out to rushmore bc i hadnt received the loan modification requirements for mrs.XXXX n was told i needed to speak w XXXX, who was the underwriter n she informed me that even though everything requested was in, that Rushmore hadnt sent out an approval letter to mrs.XXXX n it is now too late to stop the auction bc it was less then 37 days until auction date. Mrs.XXXX more then qualifies for the modification has submitted all necessary documents n because rushmore hasnt generated the approval letter in a timely fashion they are now going to decline her application n sell her home. This is beyond unacceptable. I ask that you please intervene on Mrs.XXXX behalf n allow her this opportunity to modify her mortgage. Rushmore has been playing games w this file for months.i believe they are doing this bc they know MrsXXXX 's property has equity. My name is XXXX XXXX i have been assisting mrs.XXXX with her modification. My phone number is XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to One Main Financial, XXXX and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 
XXXX XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXL ) XXXX : {$540.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$360.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$240.00} ; XXXX XXXX Balance : {$680.00} ; XXXX XXXX Balance : {$420.00} ; XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$2100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2015.