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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX 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 XXXXXX/XX/2022 XXXX
Product: Checking or savings account

I was being scammed and didn't know at the time by someone portraying to be my online boyfriend that is a said celebrity. I went to make a transfer with my bank to my at the time online boyfriend and his management company and the bank sent me a notice that the transfer went through but then canceled the transfer and terminated my accounts.
Product: Credit reporting or other personal consumer reports

I called equifax today to get to remove the A from my name on my report they will not remove it i dont use my middle inital on anything no other report has it on it please remove the A FROM MY NAME THIS HOW IT SHOULD BE XXXX XXXX
Product: Mortgage

I have XXXX mortgages on my home that were transferred to Bank of America from Countrywide. I applied and was approved for a modification on my XXXX and was told that the XXXX would follow immediately after. After many single points of contact with B of A and completing an extraordinary amount of paper work I was told I did not qualify any longer because my income is too high. I have tried to speak to all department at B of A that may be able to help me and I get different responses to the same question. I decide to hire an attorney who understands the system better than me. She is getting the same inconsistent response as I was. I told the attorney to make a short pay of offer to B of A. B of A rejected the offer stating that I have n't been denied modification in the last 60 days. B of A wants me to start over again. If I was denied because of income before why would it change now? My attorney requested a copy from the note holder indicating that the offer was rejected. We have been waiting a week with now response from B of A. 
The has been going on since 2009, I have tried diligently to reach some kind of agreement with B of A but the refuse to be upfront with information. After 6 years late fees have accumulated and my credit for the first time has had negative reporting. If the right people from B of A would just communicate with me I 'm sure this can be resolved quickly. Neither my attorney or I have been able to contact the right person. I have lived in my house for 10 years and would like to stay. The value is still considerably less than I owe. 
Thanks
Product: Credit card or prepaid card

I had booked a hotel through a 3rd party website. The 3rd party website not only didn't have any resort fees listed in the total charge. It also specifically stated that the hotel would not add any fees at check in. I have physical proof of both. The BOA  XXXX  XXXX prepaid card services didn't even bother asking for the proof and rubber stamp denied my claim. ( BOA  Claim # : XXXX )
Product: Money transfer, virtual currency, or money service

This is about a fradulent transaction I did not authorize, that was reported to PayPal. It was evident that this was a fradulent transactions among others that PayPal rectified but for reasons unknown to me decided not to rectify this. This was for an amount of {$250.00} that occurred on XXXX XXXX. I disputed the transaction in XXXX and PayPal failed to rectify the issue claiming the transaction I disputed was not invalid. Attached are the statements for the transaction and the dispute response from PayPal. As a consumer and customer, I should be protected from frauds and scam but PayPal has failed in this instance.
Product: Debt collection

I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from Merchant XXXX XXXX and the creditor is TeleCheck. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for Telecheck. I called Telecheck and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call TRS. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in Louisiana. I need them to remove this from my record and not have this associated with me in any way.
Product: Credit reporting or other personal consumer reports

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight. 

Furthermore, I understand XXXX XXXX XXXX to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX These XXXX ILLEGAL ACCOUNTS STILL HAVE NOT BEEN REMOVED OFF MY REPORT. I BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THESE ILLEGAL ITEMS OFF MY EXPERIAN ACCOUNT. THESE ARE FRAUDULENT ACCOUNTS ARE THEY ARE ATTEMPTING TO OBTAIN MORE FRAUDULENT ACCOUNTS IN MY NAME!!!!! I HAVE PLACED A SECURITY FREEZE ON MY EXPERIAN REPORT BUT THIS IS THE SAME THING THAT HAPPENED TO ME WITH THESE LAST XXXX ACCOUNTS YEARS AGO! THEY WERE OPENED AND OBTAINED ILLEGALLY IN MY NAME. THE ONYL THING I HAVE BEEN ADDING TO MY CREDPIT REPORT IS NOTHING BUT POSITIVE INFORMATION. CAN YOU GUYS PLEASE HELP ME AND REMOVE THESE ITEMS! 

XXXXXXXX XXXX XXXX  XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Status XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status Unlocked XXXX XXXXE XXXX XXXX XXXX Inquiry date XX/XX/XXXX Status XXXX XXXXLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor 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 records 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called XXXX, Equifax, and XXXX today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different XXXX  inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )
Product: Payday loan, title loan, or personal loan

I apparently signed a document authorizing you to run my credit in error. I naively assumed the " consumer report '' you would be running would be thru a company like XXXX, as this is a payday loan involving a check as collateral and not an actual line of credit. I was surprised and upset to find it was actually a credit check ran thru XXXX. The build up of your hard inquiries has caused a dip in my XXXX of about 25-30 points. Causing it to be lower than my XXXX and XXXX scores which I've worked hard to build up. I know for a fact that I've received payday loans from your company in the past " in store '' and no credit report was ran. Is your policy different in store than online? At most I would expect a soft inquiry to be ran. Not a hard inquiry. Payday loan companies lure customers stating this is a loan that will " not '' affect our credit. But when you run hard inquiries every time we re-loan that DOES affect our credit negatively. I would ask that you kindly revise the inquires in question to " soft inquiries '' with the credit bureau so as to remove the negative impact to my credit scoring. Is that possible? I have been a repeat customer of yours over the years. But if this issue can not be resolved by revising inquiries to soft inquiries I will not be using you in the future. There are many pay day loan companies that do not run a credit check at all. I do not understand why your policy would be any different for the same product. The inquiries in question are dated below : Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 Check Into C Inquiry from XX/XX/2018 XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed to bureaus that child support contract was cancelled. They're still reporting it negative as closed in XXXX  and last paid in XXXX..plz help..this is hurting me badly with frustration, undue stress, and negative credit worthiness..Thanx
Product: Student loan

I have tried to payoff a loan for over 60 days. I keep making payments and interest or principal keep showing up from nowhere and I cant get a straight answer. On XX/XX/XXXX interest outstanding was {$1.00}. I paid it and it should have closed out the account. However on XX/XX/XXXX when I went to check it, the interest outstanding changed to {$3.00}. I called the customer service and they said they would charge it off and close out the loan. Then on XX/XX/XXXX I checked the account and it no longer had interest due but now principal balance of {$1.00}. I called again and questioned how can this happen, I was told they have a glitch in their system but it will be taken care of. I glitch of over charging and creating a principal balance from nowhere fraud! On XX/XX/XXXX I got a supervisor on the phone that changed the loan to XXXX balance due was tolled it would be paid off shortly. However today XX/XX/XXXX I check the account and it has an unpaid balance of XXXX cents. If Navient is processing payments for hundreds of thousand of student who are not paying attention to their loan, they are making a killing fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Product: Credit card

I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

2nd case submission for additional credit, same fraud/solar panel issue XX/XX/XXXX- signed contract for solar panels ( {$50000.00} across 4 credit cards, all $ XXXX and up ) XX/XX/XXXX - called into customer service to see what options ( had not received solar panels yet ) - was told max $ XXXX return - so continued to work with solar company and their date extensions due to " rains '' XX/XX/XXXX - solar company quit responding XXXX - hired lawyer- got nowhere, credit dispute dept basically told lawyer they could not even settle with me until my card goes 90 days delinquent Currently - I am now 90 days delinquent and settlement offers are lame- and principle of the matter of having to settle for something I never got is physically upsetting That solar company closed shop, 1 owner ran and the other opened another solar company in our same area yet I can't do anything to them to get my money back. 0 % looked great as an option for solar panels vs 5 % min bank loan - now its a nightmare Citibank and XXXX XXXX both clinging to 120 days to report fraud. I wouldn't have known at that point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reach out to XXXX  to check on a new collection on my credit report. They investigated but did not really give me information as to why it met requirements just that it did. It also flag my report again for the same collection and by doing this brought my credit down for a total of over 50 points. I will like help solving this issue. I should not have the one collection flag twice and bring myself credit score down twice.
Product: Mortgage

I was XXXX of the unlucky homeowners whose mortgage was sold to Ocwen Loan Servicing when GMAC filed for bankruptcy. Since then, I 've had constant escrow shortages. Last year, I asked Ocwen if my taxes and homeowner 's insurance could be taken out of escrow, so I would n't have to pay for a so-called shortage, or a cushion. My request was denied. After receiving yet another shortage notice this spring, I decided to switch my car insurance from XXXX to XXXX XXXX, who insures my home, and this resulted in an approximately {$600.00} drop in the cost of my homeowner 's insurance. 
I then received yet another escrow analysis from Ocwen, stating that my anticipated escrow payments for the next year total {$2600.00}. My property taxes are {$730.00}, my homeowner 's insurance is about {$1200.00} - Ocwen is basing estimated payments on the OLD insurance premium of {$1800.00}. 
I again requested that my escrow account be closed. I want to pay what 's due. I do n't want to pay an estimated amount, or give Ocwen an interest-free loan to pay their XXXX dollars in fines. The denial letter just arrived ; I was denied due to " investor requirements. '' I am done dealing with this company and their incompetent overseas customer service. One of their reps said to me, " That shortage is only costing you about {$50.00} a month. '' I do n't care. That 's a tank of gas, or a few weeks worth of groceries. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX XXXX Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$560.00}
Product: Mortgage

As of XXXX XXXX XXXX within a 10-day period, we ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have requested SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX through an Affidavit of Truth/Demand for Verification/Validation and Testimony Under God to provide us with the below mentioned items : * The amount they claim the Respondent owes. 

* An explanation showing us how they have computed the amount. 

* Copies of any documents that prove we agreed to pay the alleged amount. 

* The identity of the original creditor. 

* Confirmation that the account has not crossed the statute of limitation ( SOL ) period. 

* Evidence that they are a licensed debt collector. 

* Evidence of license numbers and registered agents. 

* OUR ORIGINAL WET INK SIGNATURE PROMISSORY NOTE After this 10 day period, if SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX do not respond, we will provide a courtesy of an additional 10 days to provide us with the proof of claim. Failure to produce proof of claim after this courtesy means SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX will have exhausted their administrative process and no further claims can be made against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If debt is unable to be lawfully and fully validated, then any negative item reported to any of our credit reports will be in violation of the Fair Credit Reporting Act ( F.C.R.A. ), the F.D.C.P.A., use of my copyrighted property, and will be also be considered a defamation of character ( please refer to credit agency report attached XXXX credit report : XXXX XXXX XXXX XXXX 

Please note that this is not a refusal to pay off the account but a notice as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that SHELLPOINT MORTGAGE SERVICING dba NEWREZ LLC and XXXX XXXX XXXX XXXX claim is disputed and validation of the account is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all XX/XX/2020. 

The 1st done on XX/XX/2020 is from Roadloans.co? 
2nd XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Experian must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The items need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$390000.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$280000.00}