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

I am reaching out to you for a resolution to issues on my Transunion credit report Ive been trying to resolve with the CFPBs help for 8 months now. The previous complaint ID 's are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.Transunion removed one of the inaccurately reported accounts but left the other four accounts that are inaccurately reported in the exact same manner were left on my consumer report. These adverse accounts are keeping me from purchasing a new home. They are also refusing to update an account that is inaccurately reporting late payments on their report but is accurately reporting on my XXXX report. They have also refused to give me the detailed investigation documents regarding that account. These issues are causing me emotional stress that caused me to see XXXX  due to my financial situation. I am requesting immediate removal of these accounts.
Product: Mortgage

XXXX  refi my mortgage XXXX  times and failed to disclosed there was a lien on my property. Consulted with friend that are attorneys they stated XXXX XXXX could be responsible for predatory lending. Furthermore they used XXXX XXXX, which failed to disclosed or missed the lien on the property
Product: Credit card or prepaid card

I notified XXXX Credit Card by Goldman Sachs about a billing error and they closed my account
Product: Checking or savings account

On Friday XX/XX/2022 my debit card would not work. 
I called Capital One and they informed me my account was being phased out, according to a letter they had sent me 60 days ago. They said within 3-4 business days they would be mailing me a check for {$780.00} which I would receive in seven to ten business days. 

I informed the representative I did not receive a letter. 

On Monday XXXX, 2022 I called Capital One to check on the status of my account, I asked why they could receive a deposit while my account was on hold or closed, they informed me the deposit went through because the account number was correct. 
When I asked what amount would be sent, they again said {$780.00}. When I asked when or for a check number, they would not provide me with either. 

On Tuesday XXXX XXXX a check was deposited into the account for {$1700.00} and even though the account was on hold they received the deposit. This changed the amount in my account to {$2500.00}. So, I waited a day to call Capital One Customer Service. I wanted to see if they refused the deposit to an account on hold. 

On Wednesday XXXX XXXX when I opened my account, they had accepted the deposit leaving my account balance at {$2500.00}. They also accepted a pending payment transaction from their institution for a {$500.00}. 

When I called to ask why a deposit and pending transaction were being accepted to an account on hold, they could not explain this matter to me. They said now it would not be sending my funds until Monday XXXX XXXX if the account is closed today. 
I asked to speak with a supervisor I was informed I was speaking to a supervisor. 
XXXX employee # XXXX. I asked for a copy of the conversation and a copy of the letter. I was informed neither were available to me. 
I'm not sure if Capital one is breaking any federal banking regulations. I am sure that their actions have been extremely irregular at best.
Product: Mortgage

We have been getting repeated calls from the company Freedom Mortgage. This has been happening for several weeks. In each case we have informed them the house has been paid off since the late XXXX 's and there is no intention to open a loan on a house that is paid off. We have been told repeatedly that we applied for the loan which is not true. We have repeatedly asked to be removed from the call list. WE have been repeatedly told it would be done. This morning alone we received two calls no more than 5 minutes apart. The main Customer Service phone number for Freedom Mortgage is XXXX.
Product: Debt collection

I keep getting calls from XXXX XXXX XXXX about a debt owed. I pay all my bills on time and do not owe anyone anything. I haven't called the company back as I looked online and people that did call where abused verbally. Also, from what I read online that did not stop the calls.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had my identity stolen, as well as all my business and personal bank accounts were hacked. XXXX  were stolen, which caused me to be late on payments, accounts being, closed, and extreme damage to my credit report and scores. There are also accounts opened and used in my name without my knowledge or permission including child support cases.
Product: Credit card

In XX/XX/year>, I made my final payment to Kikoff for a credit builder account. I didn't sign up for anymore products. On XX/XX/year>, I received an alert from XXXX saying that my credit score had dropped XXXX points. Upon checking my credit report, I noticed a 30 day late payment from Kikoff which made me call the company. I was told by an agent for Kikoff that my account was automatically renewed and now I owe them {$60.00} for something that I didn't sign up for. I asked can the late payment be removed and was told that it couldn't and that I would have to pay them the {$60.00} or they would send me to collections. The agent advised me to log into my account via the app and remove the automatic renewal option which I did.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX Experian, and XXXX
Product: Student loan

Fedloan didnt waive my 10 days when I requested to do so after consolidation. Because of those two of my loans are forgiven and the other two were left behind. If my 10 days were waived like I requested the loans wouldve been consolidated and forgiven together!!! Additionally, almost 2 weeks ago I filled out a request to add loans to consolidation and called in to request to waive my 10 days for that as well. Obviously at the 10 days have gone and went and were never waived. I filed a complaint requesting them to investigate the situation and never heard back from anyone. They are completely disorganized and unprofessional!
Product: Checking or savings account

I reached out to PayPal when I noticed money missing from my account. I spoke with them and filed a dispute via the website. One of the charges was refunded however the other two were denied. I reached out to PayPal and they told me that two were denied because they were familiar, however these were done hours form my home. I only ever use PayPal for XXXX XXXXXXXX XXXX. I mean of course the pin was used I never received the card to set a pin. So a representative reached out and told me that they refunded one as a courtesy.. however I know that there are laws in place and refunding an unauthorized charge is not a courtesy its their obligation under consumer laws.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my credit report. The credit reporting agencies need to report all information with complete accuracy and they are reporting a late payment on an account that was in fact paid on time for ( XXXX on XX/XX/XXXX ) on the account # XXXX. Agengies are reporting different days past due and this is not true, I would like this information updated. I am requesting that you investigate and provide verifyable proof with records, showing I had a late payment. If this information can not be verified, I demand this payment to be updated to paid on time immediately. Thank you for your understanding and prompt action! Ive attached screenshots of my reports to this complaint so the inaccuracies can be confirmed on XX/XX/XXXX.
Product: Credit reporting

This is my second dispute on here for Experian. I had mailed and disputed on here recently concerning the different address 's that they had listed on my credit report that was wrong and incorrect. I have printed a credit report directly from Experian 's website that would support my claim. In which I have attached to this dispute. I am again disputing the address ; s that are listed on my personal information section of the credit report. My current address for the last XXXX years has been and still is XXXX XXXX XXXX XXXX, XXXX XXXX. The address 's other than this one that you have listed is not mine 's and should be removed. Here are the address 's that are listed on your credit report that are wrong and needs to be removed:XXXX XXXX XXXX XXXX XXXX , XXXX XXXX.This is my great aunt 's home and mineXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is a friends house not mine and why is it even connected to me I do n't know. my goodness. 
Address : XXXX XXXX, XXXX XXXX identification number : XXXXType of Residence : Single familyGeographical Code : XXXXThat was the last address. Now I have also have another dispute that has n't been removed from my credit report which is a collection item from XXXX XXXX. Ths collection agency has sent me a deletion letter because the collection account that hey were collecting own should not have been. Could you please process the deletion off my credit report. My Utility Bill and my Drivers License for Verification of Identity is attached. I hope this is through enough for Experian to follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I received an alert regarding a negative account had been added to my credit report. When I called the credit bureaus, they told me the company was XXXX XXXX XXXX for {$550.00}. It shows this was opened in XX/XX/XXXX and reported on my credit XX/XX/XXXX. I told the credit bureaus that I have no knowledge of who these people are and I do not owe them nor have I had an account or any affiliations with them. I also stated that Ive never received any written communication from this company regarding an amount owed to them. I also noticed that they have this account as a charge off on my XXXX report which Ive never had any type of credit card or credit account with them. They also listed this same account on my Equifax and XXXX report under another name called XXXX XXXX XXXX. I spoke with the credit reporting agencies and was told this is the same company and is showing that XXXX XXXX was the original creditor which Ive never heard of, nor have I had any affiliations with them, nor have I receive any correspondence from them. First off if I owed this company, why wasnt I sent written notification? Secondly, seems like they are trying to ruin my credit by putting 2 different bogus accounts on my credit for the same bogus account. My next step is to send this to the FTC and attorney general because I dont see how they are allowed to do this. I take this matter very seriously as Ive already been a victim of identity theft once.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I made previous complaints to Midland Credit Management , Inc. to cease and desist all attempts and communications of reporting to the CRA ' s about an alleged debt. They never sent proof of a signed contract with my signature with them about the alleged debt and I wouldn't be paying it either. They don't have the right or a license to try to collect an alleged debt in the state of Arkansas. Send me proof you have the right and license. According tot he XXXX  consumer access website you don't have a license in Arkansas. By continuing to tor report negative information and defaming my character i will seek damages of {$5000.00} in small claims court if not removed from my Consumer reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following this press release by the FTC XXXX https : XXXX ), I went to Equifax XXXX XXXX : XXXX ) and checked my impact. They suggest I have been impacted, but their resolution is for me to waive my rights to class action against Equifax in exchange for a credit monitoring service. I do not think this is an appropriate resolution and would like the CFPB to find a stronger resolution for me and other Equifax customers.
Product: Credit reporting or other personal consumer reports

15 USC 1681i 6 b3 states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description1. Additionally, a consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( may that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts include : a credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ending in XXXX  ; a credit card at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX  ; a credit card at XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX ; an auto loan at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX ; and a credit card at XXXX XXXX XXXX on XX/XX/XXXX under the account number ending in XXXX. Additional fraudulent accounts include credit cards opened at XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ), XX/XX/XXXX ( account number XXXX ), and XX/XX/XXXX ( account number XXXX ) ; a credit card at XXXX XXXX XXXX on XX/XX/XXXX ( account number XXXX ) ; and an insurance account at XXXX  on XX/XX/XXXX ( account number XXXX  ). These fraudulent accounts have resulted in numerous hard inquiries and collections appearing on my credit report. I demand that all aforementioned fraudulent items be removed from my credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), ( XXXX ), and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file the items that I need deleted are listed in my report. I am a victims of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission. I have also enclosed copies of the federal trade commission identity theft affidavit, I will appreciate if you would delete it as soon as possible, as it is hindering me from advancing the events in my life style to provide a better life for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent. 

I want this information removed from my XXXX  and XXXX  credit reports immediately.
Product: Credit card or prepaid card

Opened XXXX XXXX sometime XXXX. Sent to collections XX/XX/XXXX. They left my account open and charged enormous amount of fees. Now owing XXXX from a credit card of XXXX. I made 1 payment, then fell upon hard times with my husband out of work. Credit limit was XXXX. I believe there was an annual fee. Most of the XXXX was fees etc. I talked to XXXX at lvnv funding and tried to explain I need printout of fees etc. I never received anything since XXXX. I talked to a lady a couple days ago. And asked for printout of fees. Nothing, instead sent my file to collection.
Product: Debt collection

on XXXX XXXX HELVEY & ASSOCIATES IN Original creditor : XXXX XXXX XXXX had an update on my credit report for $ XXXX.i contacted both companies the same day on recoreded phone call and told them i never received anything about a final bill or balance.both companies said that they had my email and never emailed me a notice or call.XXXX XXXX acknowledged that there was no forwarding address or a new moving address at the time of the closing of the account no past due amount was given.i expressed that i will pay my balance and would have paid my balance if i was informed of the past due amount. XXXX XXXX Rep told me there was no balance given because they would have to read the meter both companies said they that they had no forwarding address on file.HELVEY & ASSOCIATES IN Original creditor looked up the current address which was a different address and never sent anything over.
Product: Credit card or prepaid card

On XX/XX/2021 i received an email from card.com that there was XXXX atm balance inquiries and XXXX atm withdrawals in the amount of {$400.00} and {$160.00}. I did not authorize these transactions and was at home with my card in had when this occurred XXXX minutes away from the atm that i have never visited. I filed a dispute within XXXX minutes of receiving this email alert and was told that it was denied due to the pin being memorized. Upon further investigation on my end as i KNOW it was fraud, i found there could have been a card skimmer that read my card number and pin and created a new card to withdraw funds. I have never used an atm balance inquiry as it costs {$0.00} and i have the app that tells me my balance, let alone 4 times in a row. I was told by card.com to email in supporting documents which i did. I provided my time clock proving i was at work at the time, proof i have been working from home, as well as a map from my home to the atm that there is no way i could have done this. They still denied my dispute. I am unable to speak with the fraud department and their customer service gives no answers or solutions and just shrugs their shoulders at the whole thing. I asked to have the atm camera looked at so they can see it wasnt me and allow me to file a police report, i was told it was " above their paygrade. '' They are not protecting my finances at all. I refuse to let someone steal almost {$600.00} from me while i am a mother of XXXX working non stop through the pandemic and that is a lot of money for me to lose, let alone not be able to fight to get back. Upon further investigation, this has happened to numerous other people as well after i filed a complaint through the XXXX. I would like this investigated and to be able to recoup the money that was stolen from me as this is bad business practice and unfair to a hard working member of society.