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

i have disputed this account for two years and no resolution. 
I WAS DENIED FOR AN ACCOUNT WITH KIKOFF AND i have proof. i have my denial and no emails about payments or even a log in being made. i never had access to this account. i have never been late because i never had an account. this is a terrible error that made my score suffer for years! i couldnt get an apartment!
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report, and noticed fradulant accounts on my report. Please remove these accounts they are not mine, and hurting my ability to obtain credit.
Product: Debt collection

I am writing to formally dispute the information that XXXX XXXX XXXX, XXXX is reporting on my credit file. The account in question is inaccurately listed as being originated by XXXX XXXX XXXX, XXXX. However, as a debt collection company, you acquired this account from the original creditor, and you are not the original creditor. This misinformation is misleading and has caused significant difficulties for me in obtaining credit. 

I am requesting that XXXX XXXX XXXX, XXXX take immediate steps to correct this inaccurate information. Specifically, I request the following : 1. Update the account information on my credit report to accurately reflect that XXXX XXXX XXXX, XXXX is not the original creditor, but rather a collection agency that purchased the debt. 


2. Ensure that all credit reporting agencies ( XXXX, Experian, and XXXX ) reflect the corrected information on my credit file. 


3. Provide written confirmation of these corrections, and notify me once the updates have been made.
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX PennyMac Loan services alleged that I was late on my mortgage payment for the amount of {$3000.00} a month. I have asked PennyMac Loan services to please validate the debt, so I can put this discrepancy to rest. Pursuant Violations 15 USC 1692g, 15 USC 1692f ( 1 ) ( 8 ), 15 USC 1692a, 15 USC 1692d ( 2 ) and 15 USC 1692e ( 2 ) ( a ).
Product: Debt collection

Contacted Credit Management LP in XXXX in regards to the validity of the alleged debt. Followed up in XXXX to see if the company had received any word from XXXX regarding the {$290.00} outstanding balance. I have never received a copy of the signed contract or showing that the debt belongs to me and as of XX/XX/21 the account was listed on my credit report as a collection and not reported that I disputed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I lost my wallet at time ssc was in there. I 'm confused on seeing I owe I think its possible I want further information possible someone is using my Indentity
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, TransUnion has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

I 'm using this app called  XXXX  to help me get my paycheck sooner and my bank , keybank, is not sending over the required information to allow me to do this. This has gone on for about a m onth.
Product: Mortgage

I called my mortgage company for a payoff, I got a robot that gave me a payoff that was good for ten days. I mailed a check to them on XX/XX/1922 for {$170000.00}. I did not hear from them. They returned my check and said it was not the right amount and gave me a new amount that was {$140.00} more than the quoted payoff. They did not call me and advise me the amount was wrong but chose to communicate by the postal system which created additional interest on the loan. I don't feel I should have to pay them the additional monies since they knew my intent with the check and did not contact me in a timely manner costing me additional money. I am a senior citizen and every dollar counts. I called several times to the mortgage company to get this resolved and when I finally contacted a human, they said they were sorry for the inconvenience. {$140.00} is not an inconvenience. They choose to use communication that extorts additional money from their customers. I do not think this is legal. Their form letter was sent on XX/XX/XXXX and not signed by a human. The letter says this is an attempt by a debt collector to collect a debt. I was not behind on my mortgage, this is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account has been reported by multiple Collection Agencies over the years. It had been removed from my credit report ( see attached -- -- ) and recently resurfaced from XXXX under PARAMOUNT RECOVERY as Opened Account XX/XX/2021 which is inaccurate and has reduced my credit score by 48 points! as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested my annual credit report from all three major bureaus back in XX/XX/XXXX. However, when I received my report ( # XXXX ) from Equifax dated XX/XX/XXXX it had someone else 's SSN, DOB,  and different variation of my name and wrong middle initial. I called Equifax the same day and was told they did not see a problem. I again tried to submit a complaint and refute the information ; to which they said wasn't their fault and I would have to pay to be corrected. I called them months later on XX/XX/XXXX requesting an update to my complaint ; to which, again told nothing they can do about it even after submitting documents and having my credit report locked previously. The result of Equifax 's acknowledgment of data breach ; allowing me to see a partial credit report but unable to dispute anything. Transferred multiple times and departments without any resolution. I called Experian and XXXX who confirmed none of my information was incorrect but that Equifax had generated new alias in my name as result of their mistake. This is causing an issue verifying who I am with my bank and other institutions and possible employers who may use Equifax to furnish background and consumer credit information. I have attached documents that support my identity that Equifax has refused to acknowledge while the other two credit bureaus handled and accepted.
Product: Credit card or prepaid card

XXXX XXXX XXXX credit report Search In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX XXXX XXXX SOLD THIS ALLEGED DEBT TO SUNRISE CREDIT SERVICES , INC PURSUANT TO TITLE 15 U.S.C 1666d TREATMENT OF CREDIT BALANCE IN EXCESS OF {$1.00} IS CREATED IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION THROUGH TRANSMITTAL OF FUNDS TO A CREDITOR IN EXCESS OF THE TOTAL BALANCE DUE ON AN ACCOUNT, XXXX. REBATES OF UNEARNED FINANCE CHARGES OR INSURANCE PREMIUMS OR ( XXXX ) AMOUNTS OTHERWISE OWED TO OR HELD FOR THE BENEFIT OF AN OBLIGOR, THE CREDIT SHALL ( A ) CREDIT THE AMOUNT OF THE CREDIT BALANCE TO THE CONSUMERS ACCOUNT ; ( B ) REFUND ANY PART OF THE AMOUNT OF THE REMAINING CREDIT BALANCE UPON REQUEST OF THE CONSUMER ; AND ( C ) MAKE A GOOD FAITH EFFORT TO REFUND TO THE CONSUMER BY CASH, CHECK OR MONEY ORDER ANY PART OF THE AMOUNT OF THE CREDIT BALANCE REMAINING IN THE ACCOUNT FOR MORE THAN XXXX MONTHS EXCEPT THAT NO FURTHER ACTION IS REQUIRED IN ANY CASE IN WHICH THE CONSUMERS CURRENT LOCATION IS NOT KNOWN BY THE CREDITOR AND CAN NOT BE TRACED THROUGH THE CONSUMERS LAST KNOWN ADDRESS OR TELEPHONE NUMBER
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT #, XXXX, HAS VIOLATED MY RIGHTS. F 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT XXXX  XXXX WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

XXXX is trying to claim I owe them {$1100.00} and that it's past due since XXXXXXXX XXXX XXXX and I've never been with XXXX nor did I authorize the service or products put into my name by someone having access to my name, social, and birthday and fraudulently using my information to do this. I have reported to this collection agency that it's identity theft and they failed to do anything about it. The collection agencys name is Jefferson Capital SYST and their contact info is ( XXXX ) XXXX
Product: Credit card or prepaid card

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX is only reporting me late. There was definitely an error on their part. I was never 90 days late.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i began trading with " company '' named XXXX XXXX XXXX ( XXXX ). 

I transferred funds from my Crypto.com account in amount of XXXX BTC. 

At certain point, i requested a withdrawal, but the " company '' kept ignoring me and requesting additional funds in order for me to receive my money back. 

I wrote to Crypto.com on XX/XX/XXXX and XX/XX/XXXX and received no responses. 

I provide them with all evidence that transactions occurred, and communication with the scammers, but they never addressed my complaint.
Product: Money transfer, virtual currency, or money service

PayPal erratically rejects ( but sometimes approves ) transactions to send money to my family members from my U.S. Government-issued XXXX debit card ( XXXX XXXX ) and won't tell me the correct reason why. They keep telling me to contact my bank. I have done that, and my bank says they did not decline my debit card. 
The amount I tried to send was a fraction of the available balance on my debit card. 
I am a XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX-era veteran. 
When I was on Active Duty, I engaged ( for an injured Servicemember ) help from U.S. Senator XXXX XXXX. More recently, I got satisfactory resolutions from U.S. Senators XXXX XXXX and XXXX XXXX. 
Thanks, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Retired )
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I am not familiar with them, and the company acted without my consent.
Product: Money transfer, virtual currency, or money service

Is this some sort of scam? Absolute joke of a company with no customer service. I have money waiting on a nifty XXXX account that I need to pay my bills and I cant withdraw it as Gemini are not verifying me when Ive done exactly what they asked me to do. I have a mate who waited over a month, I can not wait that long! Absurd
Product: Credit reporting or other personal consumer reports

I recently tried purchasing a car and noticed I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report, it is a defamation of character.
Product: Debt collection

Ive been disputing this debt for years without any resolution. XXXX, My former cellphone provider, reported that I owed them {$1000.00}. Which is a ridiculous sum of money to be owed to a cellphone provider. I dont owe that and never have. And have never been given proof stating what the charges are for. They sent my debt to an agency and put my account into collections where it been for years. I disputed the charges through XXXX, XXXX, and even XXXX XXXX. Ive used a credit repair service to fix this as well. Yet its still on my credit and nothing provided to me justifying the amount. I do not owe {$1000.00} to XXXX. Ive tried calling the collection agency to negotiate a settlement for an amount similar to what I actually did owe XXXX and the employee hung up on me
Product: Mortgage

i did a modification through mortgage servicer. Just prio to the modification they sent me a change of interest, reducing by 1.5 %. They refused to honor it, stating it was ubder XXXX guidelines, but XXXX states they do n't own the loan. I have complained to them several times, they said they do n't have to honor it. They wont accept the payment based on the new rate, which will change in XX/XX/XXXX this year and agin to the orginal in XX/XX/2018 When i intitiated my modification they did an analysis that showed it was {$25000.00} less than wed but never reduced the principal,, stating they do n't have to follow hamp guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be XXXX XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

XXXX XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. XXXX XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Transunion data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX XXXX 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/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTIANED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Debt collection

I am being contacted by a debt collection agency Midland Credit Mangement, XXXX XXXX, CA XXXX to collect a credit card they claim that I owe to a XXXX  XXXX  for purchases from XXXX XXXX in XXXX AZ on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Midland Credit is the only organization that has ever contacted me about these purchases in Midland Credit 's claim. No retailer has contacted me at my address regarding the retail items purchased in their claim. 

I informed Midland Credit that I am permanent resident of NV from XXXX and have never applied for, received or used a retail Credit Card issued through XXXX XXXX ( XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX in the past 10 years. 

I am not able to make sense of the credit card purchases in their claim because I am not an owner of a XXXX XXXX  credit card. Midland Credit has not provided me information on the way in which this Credit Card is being attributed. They have not provided information on how the indentity of the card owner is established ( by way of an individual 's signature, date of issue, and the address where the credit card was delivered to an individual ). I also requested proof of delivery of the products purchased to my Nevada address and they have not responded to me with any of these facts to validate credit card purchases in their claim. 

At this point Midland Credit is simply insisting that I own a credit card I am not aware of, and that I purchased retail products brought in a state I am not a resident of at the time their claimed purchases. If the purchase was made online, they have not given verifiable information on the address and time where the retail products in their claim was received by an individual.
Product: Credit reporting or other personal consumer reports

On my credit report, they reported my being 60, 90, and 120 days late, however, they failed to report the initial 30 days late. I have added a screenshot of what I am seeing on my credit report down below.
Product: Credit reporting or other personal consumer reports

My wallet was stolen from my car In XX/XX/year> with all of my information including my social. I noticed information on my credit report that is inaccurate and that I had no knowledge of. They are the following : XXXX XXXX XXXX {$730.00} XXXX XXXX {$260.00} XXXX XXXX  {$3500.00} XXXX XXXX  {$450.00} XXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXX {$1000.00}
Product: Debt collection

I have disputed these accounts many times, and have received nothing at all from Amerifinancial Solutions. This is a violation of the FDCPA and the FCRA. They have failed to validate the debts at my request, and failed to properly disclose their attempts to collect said debts! I need them to stop right now! I thought I had rights! HELP ME!
Product: Credit card or prepaid card

B of A decided to close all of my accounts and credit cards. I have 2 credit cards with over XXXX miles each and the bank is telling those points and miles are null and void now. Those points are worth {$1100.00} and they wont pay me out or let me access them to redeem them. I earned those points and miles and they should be mine. They are stealing money from me essentially
Product: Mortgage

I am writing to file a formal complaint regarding the difficulties I have encountered in obtaining an accurate payoff balance for a mortgage account managed by Fifth Third Bank. Below are the details of my situation : Successor of Interest : I have been appointed as the successor of interest following the passing of the original borrower.

Issue with Payoff Balance : I have been attempting to secure the accurate payoff balance for this account. However, the balance has inexplicably increased by approximately {$5000.00} without any itemized explanation.

Investigation Efforts : I have reviewed county records which suggest that the additional fees charged are related to an order of sale. Despite this, I have been unable to obtain clear information or justification for these charges.

Lack of Communication : I have contacted Fifth Third Bank 's mortgage servicing department multiple times, but they have been unable to provide answers regarding the fee increases.

Attorney Unresponsiveness : I was advised to reach out to Fifth Third Banks attorney, XXXX, XXXX, and Associates, who has not responded to any of my electronic or verbal requests for information. 

Duration : This issue has been ongoing for over a year. 

Title Company Involvement : The title company I am working with has also faced difficulties in obtaining the correct payoff balance, as Fifth Third Bank has refused to respond to the title company request. I then have to call to follow up on why the are not releasing the information. 

Escalation Attempts : I sent a fax to the Office of the President of Fifth Third Bank and was assured the matter would be looked into. However, I have yet to receive a satisfactory resolution. Furthermore, Fifth Third Bank will not accept any payment exceeding the original payment amount, resulting in returned payments in the deceased borrowers name making it extremely difficult to payoff the debt prior to me deciding find a new service provider. 

As a result of these ongoing issues, I have been unable to close out the balance under the deceased borrowers name and switch the account to my preferred servicer. This situation has caused significant stress and inconvenience. These issues arose after the hardship application was submitted and approved. It was brought to my attention that the hardship approval was reversed because the agent who called to get a verbal acceptance did not properly record it in the system. This error resulted in the reversal of the approval, causing the loan to go into foreclosure status due to the employees mistake. 

I kindly request the CFPB 's intervention to ensure that Fifth Third Bank provides an accurate and itemized payoff balance and addresses the lack of communication from their attorney.
Product: Credit reporting or other personal consumer reports

Equifax is intentionally keeping my credit score. I filed a complaint with them recently, and instead of resolving the issue, they ( once again ) ask me to verify who I am. I mailed them documentation in XX/XX/year>2023. The attachments are documents Equifax requested. I emailed them to myself and then sent them to Equifax.