23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Unfortunately after reviewing my credit report on XXXX, and Lexis Nexis, I noticed many inaccurate personal account information on my credit report mainly inaccurate addresses and previous inaccurate employment items such as follows : XXXX. XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX, CA, XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX. Previous employment : customer service representative XXXX. Self employed 1099 emp I have attached a copy of my lease agreement to show my current address as I have been there longer than two years thank you
Product: Payday loan

Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?
Product: Mortgage

Due to my wife 's illness we paused our mortgaged payments from XX/XX/XXXX to XX/XX/XXXX under COVID relief. We were told in pausing our mortgage that we would not incur any interest or penalties in doing so. We were so thankful for this blessing as my wife was ill for over a year, and I transitioned from XXXX XXXX XXXX of 30 years with XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. 

Once we were financially stable enough to continue our payments we contacted Freedom Mortgage and were told that it would be no problem at all. We would just need to make XXXX payments on time, and then we would be able to skip a payment and then our loan would be modified without any extra charges. Meaning that the late payments would just be rolled back into the loan and the loan would become another 30 year loan without any other changes and it would not be considered a new loan. 

This is not what happened. When we paused making mortgage payments we owed XXXX when we signed the new loan modification papers we signed a loan for XXXX. We were charged XXXX for modifying this loan and no one from Freedom Mortgage can tell me what this charge is for. They just say you signed the paperwork so that this is what it now is. 

No one went over the papers we signed. We went by what we were told and were unaware that we would be receiving any charges. I asked several times if we would be charged and were told no. I asked if there were be a va funding fee and I was told no. I am XXXX XXXX XXXX XXXXXXXX from his 30 years of military service and from all of the medical conditions that were a direct result of my service we are now exempt from a VA funding fee. I was told that there is no reason given that the mortgage amount was increased. 

We signed those papers in good faith that what we were told by Freedom mortgage that due to COVID relief that there would be no interest or penalities accrued during this time. No one from Freedom Mortgage can tell me why we gained an additional XXXX onto our mortgage, but because we signed the papers that no one reviewed with us that is what it is. 

We need this XXXX, XXXX removed from our mortgage principal as a verbal promise was made that we would have no penalities or interest accrued while our mortgage was paused. This also was not discussed with us when we signed the new mortgage papers. No one reviewed the paperwork with us we were just told to initial and sign to get back on track after our XXXX consecutive payment was made. 

This is a travesty and is unjust that we are being penalized and additional charges were added, but no one at Freedom Mortgage can tell me why these charges were added, what they are for or anything else. 

Please help to resolve this immediately.
Product: Checking or savings account

BMTX Executive Office refuses to verify the funds owed to me on my closed account. 

XXXX, XXXX XXXX XXXX XXXX XXXX there are Compliance violations led by one of your employees XXXX XXXX who sent a check that XXXX  banks can not validate the check # s do not match. BMTX must Pay my money back in full this week please call soon. 

Check numbers provided do not match XXXX XXXX Please to correct this matter today. Bank says this is unverified by Customers Bank. As of today I am owed {$2700.00} as well as {$560.00} for a Dispute claim they promised to send an overnight Cashier check to me XX/XX/XXXX. Banks says the check not not be validated and I am pregnant & need my money back this week. They refused to submit ACH or wire transfer & I can not speak to anybody from the executive office because Customer Service keeps hanging up on me. How am I going to get back my money is my desire to resolve and according to these emails from XXXX XXXX XXXX refuses to provide their banks contact information to validated the check. This employee XXXX XXXX has been reported for Compliance fraud because he did not allow me to transfer funds from my account before he closed it. This was a malicious and intentional act and blocking my phone number from calling Customer Care to clarify my complaint was discrimination and exploitation. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I put in a fraud alert with the federal trade commission my reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this CFPB complaint for collection account CAVALRY PORT account number XXXX. It was XXXX of XXXX when I started to see and dispute this account. In XX/XX/XXXX, the reported balance in this account was {$4000.00}. And after a few months of monitoring my account I noticed that every month the balance is getting higher. From the initial balance of {$4000.00} In XX/XX/XXXX now XX/XX/XXXX the balance reported went to {$4300.00}. First, I dont know this agency and I never signed any agreement to pay anyone extra fee or money in this account. I am very upset seeing the changes in the balance to the account I am not even aware of. In just a year CAVALRY PORT was able to add {$310.00} to this account. In XX/XX/XXXX I wrote directly to CAVALRY PORT to request for validation of debt to see what contract I have from them but until now I havent received anything from them. CAVALRY PORT failed to provide me validation of debt and failed to prove that the balance they are reporting is accurate. I was not given a choice but to file this complaint because I might not know how much more they can add and try to collect from me. I need the original agreement of this account and I need to get a response regarding this concern. Because of these violations, I am expecting this account to be removed from my credit report.
Product: Credit card or prepaid card

I placed an online order with XXXX XXXX XXXX on XX/XX/XXXX. Immediately upon checkout I realized that my shipping address was incorrect. As soon as I noticed this, I called XXXX within 5 minutes of my order being placed to see if they could correct my order to ensure that the shipping address was updated. Because the order was just placed, the representative that I spoke with, decided to cancel my initial order and reinitiated my order with the proper shipping address. Unfortunately, it appears that the representative forgot to cancel my initial order, so I was then billed for both orders. I've filed a dispute with Chase related to my initial order of {$310.00}, since this order was never received. If this order was actually shipped, it was shipped to my prior mailing address in California. I no longer live in California and my updated order of $ {$270.00} was shipped to me at my current mailing address in Texas. 
I filed a dispute with Chase and they have determined that the charges were valid because XXXX has confirmed that the initial order was shipped to CA. Unfortunately, these are goods that I did not receive, so I'm looking for my dispute related to the changes of {$310.00} to be reopened and refunded as these are goods that I did not receive. I did receive my updated order in Texas so I agree with the charges of {$270.00}. 

I called Chase today ( XX/XX/XXXX ) to reopen this complaint and they shared with me that the only way that I can request for them to reopen this is to physically write a handwritten letter and physically mail or fax this to them. I do not have access to a printer and feel it is not reasonable to ask me to go to this length to ask for an additional review for goods that were not received.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. Bankruptcy XXXX XXXX  Reference number : XXXX and Bankruptcy XXXX XXXX Reference number : XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I changed my credit card number on my Apple Card due to a subscription I no longer wanted. I contacted the merchant asking that the cancel my subscription. They refused. The only option i had was to change the number on my card, hoping that would stop the merchant from charging my card. XXXX, XXXX, XXXX, the merchant, The XXXX XXXX, charged my card without my authorization. After I requested in writing that I wanted my subscription canceled and they refused to cancel my subscription and continued to charge my card. That is fraud. 

I spoke to XXXX, and XXXX, supervisor, who gave me very incorrect information when I asked HOW my card was still charge after i changed my card number? They wrongfully told me that Mastercard will give a merchant your card number if the merchant asks for it. And that is the only way the merchant was still able to charge my card after getting a new card number. I said, Ive never heard anything like that. I called Mastercard and spoke to a rep by the name of XXXX. She told me that XXXX does not have access to our card numbers and they do not give out card numbers. Furthermore, Mastercard does not have the authorization to just give out your card number to ANYONE asking as that would definitely contribute to Identity Theft. 

I had to call several times about this serious issue but was made to feel as though it was not that big of a deal. Another rep, XXXX, assisted by cancelling my card which was a step higher than just changing the card number. She also had me to remove the card from my wallet and reattach the card. She said this will stop the merchant from charging my card in the future. 

Ive attached an email from the merchant/network owner that instructs subscribers to email her if we want to cancel our subscription any time. I also attached my email, telling her to cancel my subscription. I attached a screenshot from Mastercards website that directs consumers to IMMEDIATELY contact our bank if we believe we have experienced fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XX/XX/2019 XX/XX/2019 Transunion has been practicing illegal tactics against me and its effectively slowing down my well being. They are reporting a bankruptcy/public record on my credit report. They are using third party companies to report this information. Which is illegal. I have been asking for a method of verification and they will not provide me with any accuracy of information Ive asked of them. I have a letter from the the Michigan bankruptcy court stating that they DO NOT provide credit bureaus with such information or third party credit reporting agencies. My XXXX report is also saying thats theres no bankruptcy reporting. Please make them remove this bankruptcy public record and all accounts included. Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$16000.00}, XXXX XXXX. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 

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

someone has access to my personal information and is using it to open fraudulent accounts.
Product: Mortgage

mother passed XX/XX/2016 without a will she had property in MASONTOWN PA. her in tensions were to put the property in mine and my brothers name. she went to a place in her home town and paid to have our info added, but it did not happen, but there is a witness. any way since she passed, without a will, because the mortage company refused to speak with any one, we agreed that my sister would be appointed as the person to contact. now that the mortgage company required her to be listed as administrator or executor of the estate order to speak to her, she went through that process. now she has aurthorised my to resolve the issue. I have contacted the company three time to resolve the issue. I have asked to be added to the mortage as the successor, and bring the mortage current, and begin loan modification. they told my sister she had to be listed as the person to contact, by law in order to talk about the loan, and now the have refused my offer 3 time to bring the loan current without XXXX triggering the process, and the have refused to add me as the successor, I do n't understand why this is so hard, the loan value is XXXX. can you help company is Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX ACCT NO XXXX PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX, I recently was on a business trip to XXXX with some of my coworkers. 

I had stopped by an XXXX in XXXX, CA before going on the trip ( which is viewable on my bank statement ). 

I made my way to XXXX, when a few days later, I noticed very little money in my account. 

It becomes apparent that someone is spending money on both my savings and checking account in XXXX, hours away from XXXX. 

I disputed the charges with Chase, but not only did they fail to take down the correct charges, they denied my dispute saying " the card was used with no pin attempts '' when I'm clearly in a completely different place than where the card was used. 

The total amount of my charges was {$570.00}, putting me into a horrible position financially. They also took back the money that was in my savings account, being {$400.00} as well. 

If there is anything you guys can do to help me, that would be of great help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have a bankruptcy that does not belong to me, remove from my credit reports. It is your failure to comply with Federal laws that states CRA 's are to report accurate, complete and verifiable information only. I have received a letter from XXXX XXXX that they are unable to locate a file on me. I also went as far as contacted the court listed on my credit file and they have told me that they do not send anything, regarding bankruptcies to credit bureaus or consumer reporting agencies and there is no such file under my name and personal verifiable information. I have attached a copy of the letter from XXXX XXXX with this complaint. You have 30 days from the date of this dispute to remove an item that does not belong to me. I am a litigious consumer and I will not hesitate to file a lawsuit against you. Please do your due diligence and removed this bankruptcy from my credit file immediately.
Product: Debt collection

I have tried contacting this company multiple times. I have even disputed the account three times with XXXX  and XXXX. This account doesn't belong to me as I have never had any affiliations with Convergent Outsourcing or the account it is claiming to be collecting for XXXX. I have asked XXXX, XXXX  to ask convergent outsourcing for some type of documentation stating that I went into an agreement with them or to provide something with my signature authorizing them to report to my credit report. To this very day no one has provided me with the requested documentation yet, it is still showing on my credit report. A collection bill is not proof as it has no signature on it from me and since they can not provide me with the proof this account needs to be removed immediately as it is a violation of my rights.
Product: Credit card or prepaid card

My credit rating was XXXX in XXXX of last year. I am retired, own my home and car, have no loans, no debt, and no late payments. For security reasons my credit ratings were frozen ( by me ) years ago. Several years ago I opened a blue AMEX XXXX XXXX Card at their offer, used it for a very short time, made sure it was paid off, told AMEX to cancel it, I then cut up the card and threw it away. Unknown to me until sometime after XX/XX/2022 AMEX reported ( to the collection agencies ) that I was delinquent for just over {$30.00} on a charge made with this card in XXXXXXXX XXXX XXXX My credit rating dropped to the low XXXX. I was never informed by AMEX by phone, email, or mail about this issue. I found out in the fall of last year while checking my credit. It took months to get AMEX to admit I did not make that XXXX {$30.00} charge, cancel the card ( again ) and inform the credit agencies that there was no delinquent charge. My credit only returned to XXXX. AMEX and the credit agencies pointed the fingers at each other for the reason. Two days ago I found out AMEX did it again ( for the exact same card ) in XX/XX/2022 and my credit rating dropped to the XXXX. Yesterday I spoke with seven different representatives at AMEX plus a call to XXXX. Every AMEX representative gave me a completely different and contradictory reason and course of action. The issue is sill not resolved.
Product: Debt collection

I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?
Product: Mortgage

I applied for a loan through loan Depot on XX/XX/XXXX. I went ahead and did their paperwork and was accepted to do a loan.

After doing all the necessary application, an appraisal was scheduled for XX/XX/XXXX. OnXX/XX/XXXX they emailed me the appraisal which I contested and sent them an appraisal I had done in XX/XX/XXXX that was {$250000.00} more than the appraisal that they got from the company they used. I asked for them to compare the appraisals and see what the problem was because you don't miss something that dramatically. We continued through the loan process I got a survey done at my expense and they sent me a alone estimate on XX/XX/XXXX and everything was fine until a phone call that I received on XX/XX/XXXX stating that they were going to charge me two points for the difference in the appraisal cuz it changed the percentage of loan to debt. I asked him why would they wait so late in the game to tell me that everything was changing instead of doing it back when they got the appraisal. I asked why they waited 3 weeks to inform me that in in the week that were too close that I was going to be charged two points because of their appraiser.. that seemed unfair and a little obvious on their point to wait until the end and I would have to pay them instead of doing the work necessary 3 weeks before to get the problem resolved. I pleaded and ask the guy to get with his supervisor or whoever that was overseeing the loan. He told me that his manager was firm and she was not going to budge an inch which I felt was very unfair to me. The lock rate Runs Out XX/XX/XXXX and so I am basically screwed because of their dropping the ball and that doesn't seem right
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion about inquiries on my report that I didnt authorize and they said it was nothing they could do it would have to stay XXXX years.
Product: Money transfer, virtual currency, or money service

Starting more than a year ago, I began contacting Venmo to notify Venmo that someone is using my email address on a Venmo account that is not mine. I HAVE NEVER OPENED A VENMO ACCOUNT, and I am 100 percent positive about this. Venmo supposedly looked into it, froze the fraudulent account, then notified me that it was unfrozen. I continue to receive emails from Venmo about quarterly statements being ready. 

I have attempted to log in to this fraudlent account and close it, but Venmo 's system does not allow me to change the password because I can not provide the fraudster 's phone number or bank account. Well, of course I can't, because I did not open the account. 

The emails I receive from Venmo say this fraudster has been a Venmo user since XX/XX/year>, which coincides with the time when someone made an unauthorized purchase using my PayPal account! Venmo and PayPal are owned by the same company, so I am sure this is how the criminal was able to use my PayPal account. 

I am caught in an endless loop of probably AI bots, so no human being probably ever has taken a look at this. I can not make Venmo understand that THIS IS NOT MY ACCOUNT. I have never had a Venmo account and do not want a Venmo account.