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

XXXX XXXX Equifax Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. Equifax has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.
Product: Checking or savings account

I am unable to get my calendar year XXXX combined account tax statement from Navy Federal Credit Union as Navy Federal Credit Union refuses to securely post a copy of my calendar year XXXX combined account tax statement online, securely email me a copy it, fax me a copy of it, mail me a copy of it with a tracking number, or allow me to pick up a copy of it at a local branch. See attached documentation and below for previously submitted complaint IDs about a similar issue in XXXX. 

XXXX XXXX Once reviewed please advise what assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XX/XX/2020. I am not aware of where it came from or who used my information. Since XX/XX/2020 I have been trying to get this account removed off of my credit.
Product: Mortgage

5th 3rd bank has committed fraud by back dating flood insurance a full year and attempting to charge me the full year even though the policy was only in affect from XXXX. I was notified that the flood insurance i had in place was not up to there code on XX/XX/XXXX and had 45 days to get the correct one. Time passed me by and I didn't give the correct Ins until XX/XX/XXXX so they force placed flood ins on XX/XX/XXXX for {$3100.00} which is nearly 10 times what I pay for flood ins for the year ( {$340.00} ). I have been told on multiple occasions that the full refund will come to me and that it is just processing and it will take 7-10 bus. days. It has been a month and only {$220.00} has comeback to me ( That is for the days I didn't use the forced placed flood ins for the year the document from the ins company says ) It said I used 339 days of the Ins even though it was in affect for only 7 days of XXXX. I have brought it up the chain to the resolution supervisor and was told by her that I would be getting the full refund back and have provided two separate documentation that they have requested. I was called back by her and said no we are not returning you the full amount and they did nothing wrong. They won't answer why they didn't notify me in XX/XX/XXXX that the flood insurance I had was not up to there code instead waited almost 11 months into the year thus being able to charge as much as they could if I missed the deadline. Plus charging 10 times what I have for flood insurance is just a complete and utter predatory and pure money grab business process. That charge was {$1100.00} more then what I pay for for property Insurance!!! By doing what they did it increased my monthly mortgage payment by $ XXXX dollars making it very difficult for me to pay my monthly payment.
Product: Credit reporting or other personal consumer reports

equifax is reporting many fraudulent inquireis a ftc report has been filed multiple times and equifax never removes. these FTC reports have been mailed via ceretified mail and still no resolution. 

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  there is still 10 more that are not attached to any open accounts and they will not remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

We applied for a credit card with Barclays bank after recieving the mailer that promoted the rewards etc for the Luxury black card with Barclays bank. We opened the account and we used it twice and paid the balance off. The card cost {$450.00} annually and the way we justified this expense was the great benifits that the card offered. We had it open for several months and then Barclays sent us a notice they closed the account. We asked for the {$450.00} back and the rewards we had built up. We were told from multiple customer service and credit card management employees of Barclays that we would not get any of the {$450.00} back or the rewards.

They offered no reason and no solution.

We basically were robbed of {$490.00} in a matter of several months.

Please help us resolve this.

If others are being robbed the Barclays should be stopped from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information to all 3 bureaus about bankruptcys on my report and XXXX  and XXXX have not followed suit abd equifax removed 2 and then readded the last one without a written notification again which i did not recieve! I have proof that these bankruptcys are not verfied by the courts and should be deleted along with all accounts included! Also equifax has continued to update and XXXX accounts that were closed! Like XXXX XXXX which was included in a chapter XXXX but us now reporting in a chapter XXXX!! Also all student loan accounts and all XXXX XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at about XXXX est, there was a bitcoin sent from a third party to a bitcoin address i provided. the transaction has been confirmed on blockchain and three weeks later coinbase has still not deposited said monies to my coinbase wallet. i sent several emails to coinbase asking where funds were. the first two responses were computer generated and referred me back to their website. after sending the third email on saturdayXX/XX/XXXX, i received an email stating as follows : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. '' their customer support site had a message up that stated they were experiencing delays since mid XXXX. however, today that message simply says that the only delays are involving id document verification. this would have me believe that previous delays were handled. however, i checked my account today and my deposit still does not appear.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX BANK OF MISSOURI # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX OF # XXXX Account Name XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm respectfully filing this complaint due to numerous of failed attempts in the removal of said account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim, therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. 

Accounts as following XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

My name is XXXX XXXX XXXX and I am using my Sons email since he has power of attorney. I do n't have an email account. I am XXXX years old. 
XXXX XXXX XXXX sold my reverse mortgage to XXXX XXXX. 
Since XX/XX/XXXX I have had problems for 4 months trying to get a withdraw to pay my bills and taxes. I have called 24 times spoken to almost all the customer service people and a manager XXXX. 
I requested {$7000.00} dollars in XX/XX/XXXX, they show sending it to me via Check. Never made it to my home. They said they cancelled the check and asked me to fill out another request and that they would credit my account. 
I sent in another request in XX/XX/XXXX with a voided check and direct deposit request fully filled out in XX/XX/XXXX. They show sending me another {$7000.00} that I did n't receive into the bank. When I called asking why I did n't get it in my bank account they showed missing a digit on my bank account and bank rejecting the deposit. However charged me {$7000.00} on my statement. So now I have {$14000.00} they show I took draws for that I never received. So I called them again they said they cancelled the {$7000.00}, however I still showed {$14000.00} taken out of my account and added to my loan amount. In XX/XX/XXXX again they said fill out another request for funds so I did in the amount of {$8000.00}. Also sent in another bank check voided with all the information so they can correct the Bank Info. They still had the wrong bank acct number missing one number. I said what does it take I have bills to pay and all I get is excuses and I have done everything they have asked and I have been without my funds for 4 months. They now show {$22000.00} taken out of my account as they tried to deposit the {$8000.00} again in the account missing a digit since they did n't update it. I again called and they said they would put this in on priority. It is now XX/XX/XXXX and I have n't received a dime in my account but they show over {$22000.00} plus interest and transaction fees added to my loan. This is fraud since the funds never left there facility but they are charging me. 
All I want is them to correct my statements as I have not received any money out of my account since last XX/XX/XXXX for {$3000.00}. This has put full stress on my XXXX year old wife and I am XXXX as we can not take this anymore.
Product: Credit reporting

Equifax is listing multiple hard credit checks when they should be soft. Applied for a mortgage and a new car loan, XXXX listed every inquiry instead of combining them under one. XXXX has XXXX hard checks and Equifax has XXXX ... and they will not correct it..can you be of assistance?.
Product: Mortgage

I was applying for covid 19 Assistance when I call them to resume my payment the mortgage company charge me more than when was brought my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$1100.00}
Product: Mortgage

My loan is with  Ocwen loan servicing. I spoke to Ocwen Relationship Manager  ID #  XXXX  ( if that was indeed his ID. They have been known to intentionally leave off numbers in the past on purpose ). My complaint is below.     Last week after logging into my online mortgage account I noticed that in  XXXX    XXXX   my loan will increase from {$700.00} per month to {$900.00} per month. I made a request online to have a relationship  manager call me to see if we could extend the time frame for me to pay the escrow as I wo n't be able to pay the additional expense. I was leery of reaching out to Ocwen b ecause from my experience the people they call relationship managers are not really relationship managers. They are high pressure, aggressive collection agents that intentionally withhold options from borrowers such as extensions and they in turn engage in threats, intimidation and coercion. I have caught them lying in the past as well . One relationship manager would give me one  amount to pay and as soon as I would agree he would put me on hold and then come right back to the phone and give me another higher amount. This went on for   30 minutes until I hung up because I had had enough.
So I reached out to Ocwen to call me. A relationship manager c  ontacted me at around   XXXX   XXXX   XXXX   XXXX  . central time ( which was outside the time frame I had selected for him to contact me  ) and he started off with ( this is a collection call ). He then went into an intense high pressured collection script and told me I needed to pay ocwen  an additional {$700.00} a month, ON TOP of my mortgage payment to get caught up on {$4000.00} dollars in escrow shortage. I was shocked. I was the one who had requested the meeting  with Ocwen and  not once did the agent ask me how he could help me. On top of this, he told me I needed to pay an additional {$700.00} dollars per month if he was to work with me when I had contacte d Ocwen because  my payment was going u {$200.00} dollars a month. So why did he think if I could n't pay {$200.00} a month I could suddenly pay {$700.00} a month? On the escrow? It did not make sense. This agent was overseas in  XXXX  and one of my main gripes with Ocwen is that they incentivize these agents to bring in money so quickly that the agents use threats instead of working with the person.     The agent refused to tell me about the entirety of the options available to me. They have done this before. They have withheld certain options in an effort to force the person regardless of our financial situation to pay quickly. This man was not trying to assist me at all.     When I told him that I would request another meeting with someone who was serious about helping me he said 'ok ' and quickly got off the phone. He was nonchalant about the matter. He never once asked me for the reason for my request to speak to my relations  hip manager.
Ocwen   is awful.
Product: Debt collection

I am not liable for the Medical charges stated as my insurance was responsible for it at the time bc I was still on my parents insurance.
Product: Credit reporting or other personal consumer reports

I contacted transunion almost 3 times to remove a paid debt from my credit report and they have yet to help or remove the debt. It does not allow you to submit more than one dispute so I contacted by phone and also submitted a report but yet they have still refused to correct it. The XXXX XXXX debt for {$420.00} was settled and paid off and the payment was a pay to delete which means once it is paid it is to be deleted from the credit report and my report has still not updated. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit bureaus are required to report only accurate and verifiable information. Since the XXXX XXXX debt was settled under a pay-to-delete agreement, it should no longer appear on my credit report. Additionally, under 15 U.S.C. 1681i ( a ), TransUnion is legally required to investigate and correct or remove inaccurate or unverified information within 30 days of a dispute. Failure to do so is a violation of federal law. Under 15 U.S.C. 1681s-2 ( b ), data furnishers must also update or delete incorrect information once a debt is settled, and failure to comply can result in legal consequences. I have contacted TransUnion multiple times, yet my report remains incorrect, violating my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal has limited and held funds on 2 accounts. I reported fraud that was done to me and they have locked me out of two accounts, held over {$700.00} and made me pay nearly {$500.00} for the fraud charges that I reported. I have tried numerous times and after literally months of not getting a specific course of action that I can take to resolve the issue, I need help. Today I had a customer service rep end our session without giving me any direction or answering my problem. I have contacted a lawyer and been advised to start here
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  AND XXXX XXXX XXXX should not be reporting to Equifax ; XXXX and XXXX inquiries on my credit report. ( Please see page attached. ) I only gave permission for a soft pull, and I was assured by the agent, that only a soft pull would be submitted. Unfortunately, right after the soft pull was submitted the agent submitted a hard pull credit report request. Consequently, these multiple inquiries are now appearing on my credit report. I have attached ( XXXX ) emails for reference. The first email dated XX/XX/2020 clearly shows I only gave permission for a soft pull. The second email dated XX/XX/2020 is correspondence I received back wherein the agent acknowledged that a hard pull was submitted shortly after the soft pull was submitted. The agent stated in this email that it appears to me that my inquiry for the hard pull credit report had no impact on your scores. This statement is not true. Multiple inquiries, in fact, do harm your credit score and I request that these inquiries be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to have these inquires removed however, I have not been successful.
Product: Debt collection

Within 2 hours, I received XXXX phone calls in efforts to collect a late payment.