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

Since XX/XX/2023, I haven't been able to access an updated copy of my Experian credit file and/or credit score. When I attempt to access my file I continually get an error message saying I don't have a credit file. I subscribe to Experian 's monitoring service ( {$25.00} monthly ) and my credit card continues to get billed each month despite my not being able to access my file. I am due a refund of four months worth of monthly fees. I've submitted three different assistance requests to their online support and they don't respond or address the problem.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXXXXXX balanced of {$12000.00}, I took a look at my credit report and noticed inaccuracies on my credit report. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. I also stated to please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof of the negative payment status for this account, or delete this account with 30 days.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Product: Bank account or service

I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. 
So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was released from this lease agreement and my roommate XXXX XXXX was responsible for anything that occurred after I was removed. Please contact XXXX XXXX to verify info and see roommate release form that i signed releasing me of any liability related to this rental account/agreement. I even called the property this week to verify and they said it should not show up as my responsibility or account because I was released beforehand and that once I disputed it you would call them and they would verify that it isn't mine. Which means you did not reach out to them to verify accuracy and are negligently furnishing incorrect data to the credit reporting agencies.
Product: Debt collection

In XX/XX/XXXX was contacted by National Credit Systems I owed money to XXXX XXXX XXXX NC where I use to be a tenant. They asked NCS to collect debt.. In XX/XX/XXXX I sent NCS a Cease Comm letter telling them to cease all communications with me, also told them I will deal with XXXX XXXX myself and that I refuse to work with a collection Agency. I also told them not to contact any credit rating agencys of this debt. In XXXX I checked my credit reports and NCS has this debt listed. On XX/XX/XXXX I send NCS another letter telling them I do not want to deal with them. According to the post office they picked up letter XX/XX/XXXX. Yesterday, XX/XX/2018, NCS sent me another letter demanding payment.
Product: Money transfer, virtual currency, or money service

Western Union canceled a money transfer of {$120.00} on XX/XX/XXXX and said i would receive a refund within 7-10 business days. I never received it as of XX/XX/XXXX Western Union said they needed to have the Receivers Id to process the cancellation. I emailed that to them and they emailed me back within a couple of days stating my refund had been sent. Now it is XX/XX/XXXX and i still have not received my refund i have contacted Western Union multiple times and they keep telling me i should get my refund they promise to call me back and never do so I am hoping you all can resolve this issue for me.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXX IN XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  | XX/XX/XXXXXXXX XXXX  | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Mortgage

My mortgage account with Mr Cooper/Nationstar/XXXX has foreclosure XXXXs active and the modification work out they have offered is not a good option. It adds more money to my account ; XXXX increases my monthly payment, interest rate and repayment period by adding on more years to my mortgage. Quick overview monthly payment goes from XXXX to XXXX ( XXXX increase ) interest is currently 7.125 % goes to XXXX ( XXXX % ) unpaid principle is currently XXXX balance will increase to XXXX ( + {$21000.00} ) remaining term 468 months ( 39yrs ) to 480 months ( 40yrs ) ; the claim amount is XXXX and I'm currently behind {$11000.00} thats a difference of {$36000.00} so this offer isn't in my best interest to tack on additional {$36000.00} to a distress homeowner seems like predatory lending and positioning a offer during time of struggle to put homeowner in a bad financial situation in long term for short term isn't a very favorable option. Also loan status has been reported to credit bureaus as closed with balance which is invalid the loan is not closed ; its been " REFERRED to foreclosure attorney '' we have not been serviced, went to court or anything just received foreclosure notice on XX/XX/year> have not even had a chance to contact collection department.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX  Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Mortgage

When i first bought my home in XX/XX/2017, after a few months my home owners insurance was cancelled because I didn't schedule a time for someone to come inspect my home ( even though this had already been done prior to starting the home owners insurance ). My insurance was cancelled. My mortgage lender never notified me that they would have to force-place insurance on my home. After I received new insurance, I called to update them on my new plan. I was told that they weren't aware that my insurance was cancelled because they weren't informed. So they said that since my home wasn't insured for the time I was without insurance, they would have to force-place insurance for months missed. Now my mortgage payments have gone from around {$620.00} to {$1100.00} per month and I am struggling to make payments. I looked into the laws for force-placed insurance and found this ; " The servicer must send the first notice at least 45 days before purchasing a force-placed insurance policy. 
The servicer must then send a second noticea reminder noticeno earlier than 30 days after the first notice and at least 15 days before charging the borrower for force-placed insurance coverage. This notice must include the cost of the force-placed insurance or a reasonable estimate of the cost. ( 12 C.F.R. 1024.37 ). '' None of this happened as my mortgage company was " unaware '' that I was without insurance. Please advise if there is any action I can take to amend this. I am already on  new insurance but I am still having to pay these extra fees until XXXX.
Product: Credit reporting or other personal consumer reports

This is my endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS, it is required by law to remove any accounts or information found to be opened due to identity theft. 

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

I am listed as one of the potential victims of the Equifax breach. I was a victim of identity theft, several years ago, and have used this product with the assumption that I will never have to live through the nightmare of identity theft again. I am very concerned that the product is no longer effective. I am even more concerned that this is effecting children, whose parents, guardians, or foster care service providers have placed a freeze on those children 's credit. A breach of these kids ' identities could go unnoticed for years, without anyone knowing about it, and their credit could be ruined. I am also disgusted to hear that shareholders in the company had warnings that customers did not. This type of behavior by a corporation should not go unpunished, especially when people 's lives can be utterly ruined by identity theft.
Product: Money transfer, virtual currency, or money service

I had my account hacked in credit karma. 15 min after the first wire transfer I was on the phone with credit karma that was about XXXXXXXX XXXX est on Sunday XX/XX/XXXX. While on the phone with credit karma a second transfer went thru un authorized. I told them to put a lock on my account so I could keep the last of my tax return. They put in a ticket but I guess forgot to freeze my account as I woke up Monday morning and the rest of my money was transfered to the same account ending in XXXX. They even transfered money from my savings to my checking to make sure they got it all. I did not authorize any of the wireless transactions. I can not speak with a person as they say all happens by email and I never get a response.
Product: Debt collection

My landlord sent baseless debt of {$370.00} owed to the debt collection agency on XX/XX/XXXX. The debt is under my name and two others. The agency never sent me any written information about the debt. They claimed to have sent letters, but sent them an old address when I already updated them with a new one. They claim I never did that. They claimed to send emails, but I never received the emails. They said they sent the emails from a different email address than the one I emailed them with. I have called multiple times, and sent documentation to dispute debt via email on XX/XX/XXXX. When speaking with them on the phone, they pretended I didn't send a dispute. I recorded this phone call with their permission, and this time they let me send a second dispute. I called many times asking about the dispute, but never received anything in writing. I sent documentation with the dispute. On the phone ( XX/XX/XXXX ) they told me that the documentation was not sufficient to dispute the debt. They have not sent written notice or advised me on how to challenge this debt in small claims. They stated that they are the only agency that can dispute a debt, and they are a fair third party. The agency has not provided the documentation from my landlord that they claim validates the debt. I do not understand how this debt is valid, and I have not been given written and concrete information about the debt.
Product: Vehicle loan or lease

I cosigned a loan for my Fianc in XXXX She was diagnosed with XXXX sometime that year and filed XXXX XXXX. The loan was through Ally Auto. The Courts paid this account every month. This was a XXXX XXXX and must be paid in full. 

On XXXX Ally Auto email her " Congratulation on paying off your vehicle ''. 
It went on to say the following. Everything 's wrapped up on our end. Here 's what to expect now that we've released your title/lien. 
We've mailed your title to our third party, which submitted the payoff for your vehicle. 
Please allow up to 10 days to receive a letter confirming, your account is paid in full. 
She received the Title and release letter soon after. 

In XXXX I got an alert when I was checking my XXXX XXXX Credit Card. My credit score dropped about XXXX points. when I looked further into this, Ally Auto had reported this account as Derogatory and Charge-off. I wrote all 3 Credit Bureaus and XXXX showed a balance of {$260.00} after Ally Auto released the title for the car. Not sure how this could happen. If possible, I would like to just pay the {$260.00} off and have the Charge off deleted and my credit score return to the original number before XXXX. My Fianc asked the Attorneys about this, and they said to report it. After the tension of what's going on I just want it to end. 
I'm not sure how to ask Ally Auto about paying this because it wasn't my account. 
Thank you for your time
Product: Debt collection

SallieMae calls every hour on the hour multiple days in a row and when asked to stop they threatened to come after my home. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have already paid this debt in full but XXXX XXXX still have on my XXXX has not notified them that it has been fully paid with interest so it is troubling that I in good faith paid it up but they have not do their part. I notified them but thinking about a legal action.
Product: Credit reporting or other personal consumer reports

I have received a 1099-C form from XXXX Bank , which I have filed on my taxes, making the balance currently being reported incorrect. The debt has been forgiven, meaning XXXX Bank has canceled the remaining balance and no longer expects repayment. 

Please review the 1099-C documentation and remove this account from my credit report due to the inaccurate balance. 

{$4900.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. Please help me get this resolved. I have tried disputing it with the credit bureaus but have gotten no response and it still remains on XXXX and XXXX. Please help me resolve this issue as it should not have been on my report to begin with. I paid it immediately once i saw it and was told it would be removed and it is effecting my ability to get a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir / madam I received a notification regarding XXXX XXXX  credit card which was not authorized by me
Product: Mortgage

Between XXXX and XXXX I tried to refinance mortgage with Wells Fargo and after providing them with the documentation that they request they immediately foreclosed on my property anyway. I feel that this was a wrongful foreclosures, and if not for the wrongful loan modifications foreclosure would have been prevented.