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

These accounts show closed on my credit report. 
XXXX Closed XX/XX/XXXX Account was never used and I never opened it. XXXX XXXX  XXXX sent to collections right away before I could pay the balance of {$300.00} and shows closed on XX/XX/XXXX, XXXX XXXX XXXX  Closed XXXX XXXX   XXXX XXXX, XXXX. I believe I am a victim of identity theft I have had numerous collection companies calling my work and colleagues threatening to take me to jail if I don't pay. I have disputed these accounts. I also had an account with Beneficial which no longer exist and I took a second loan out to pay the date with Citifinancial and paid them off but now I have another collection company who said they bought the bad debt which was paid off 10 years ago but XXXX was original creditor which I did not take a loan with them and a new collection company is XXXX XXXX XXXX opened collection on my account XXXX XXXX, XXXX saying I owe them XXXX which I am disputing. XXXX XXXX says I owe them {$730.00} for not returning cable equipment which was returned and they sent account XXXX XXXX and I am disputing but constantly get the run around. Citifinancial Servicing I had my second with them my first was with XXXX XXXX. They gave me the run around when I was trying to save my home XXXX XXXX XXXX XXXX XXXX, Ca XXXX. They never gave me options to save my home and I went with a lawfirm that I believe was in cahoots with Citifinancial. My home was foreclosed XX/XX/XXXX. So homeless and no where to go with my XXXX children. I found a realtor to help my find a home to rent. Citifinancial wrote a letter to stating the second was paid in full and that foreclosure would not be on my account which I thought was weird at the time. Citifinancial paid off my first with XXXX and continued to give me the run around and said the only way I could save my home would be to pay the loan XXXX which was impossible. I was past due {$51000.00}. I asked if I could reschedule payment of {$1500.00} and they said no. I was try to get back on track.Then I see that CFPB filed a suit against them for the exact same thing that I went through in XXXX, XXXX, XXXX. I was never contacted about the lawsuit. XXXX XXXX @ XXXX XXXX XXXX XXXX  Ticket # XXXX wrote a letter stating mortgage was current and paid in full and would not put foreclosure on credit and it is on it. I am trying to buy a home and now it appears. I lost my home and 17 years of equity because they were giving me options and paperwork and then stating certain things had to be done. CFPB File No. XXXX and identified the that they were in violation. I never received any payment from Citifinancial only a letter stating that my loan was paid in full. I am hoping CFPB can help me restore my credit so I can buy a home and move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the XXXX XXXX XXXX XXXX  seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under XXXX XXXX code XXXX and XXXX XXXX code XXXX ( b ) ( XXXX ). 
I am aware that they each have XXXX days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( XXXX ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments reported by XXXX XXXX XXXX my credit report, which are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to have accurate information reflected on my credit report. 

Despite having provided XXXX  XXXX with proof that my account status was inaccurately reported, they have refused to correct the information. Enclosed are copies of my evidence, including payment receipts and account statements, demonstrating that my payments were made on time. 

Additionally, I draw your attention to 15 U.S.C. 1666b, which mandates timely posting of payments. This requirement has been violated, further affecting my credit report inaccurately. 

Please investigate this matter and correct the inaccurate information promptly. I request written confirmation of the corrections within XXXX days. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I have a current 20 year fixed rate mortgage with Rocket loans at 3.125 %. XXXX XXXX XXXX ID # XXXX called me on XX/XX/23 on a recorded call stating there was an opportunity for me to save money on my mortgage with them. I stated what my current rate and term was and that I did not believe he could save me on interest cost, as rates are currently much higher. He stated he had many ways to do this. One example he used was for me to refinance into a 30 year fixed rate at 6 % and then pay it off in 10 years. He said this would make my effective rate 2 % since it was paid in a third of the time. This is an outright lie. I tried to explain to him this is incorrect and that I work in financial planning, so I know how this works. He insisted he was correct and I further warned him this was an untrue and highly deceptive sales tactic. He became argumentative so I asked for a manager to file a complaint. He indicated no one was available and that I would receive a call the next morning. I did not receive a call.

My complaint is to bring light to the deceptive and untrue sales tactics that Rocket mortgage is using. This could cause major harm to a consumer who may not completely understand how interest cost is accrued. I previously worked in home lending for over 20 years and this was the worst display I have ever witnessed. In addition, I do not believe XXXX provided his NMLS ID when he called, which is a violation if I am not mistaken.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Parties : A. Synchrony Bank B. Pay Pal Credit and my Banker : XXXX XXXX XXXX XXXX XXXX I have a Pay Pal Credit account ending with XXXXgoverned by Synchrony Bank . 
Pay Pals  Rules for their Credit Customers ( approved by their Banker ) that We have to registered our paying Banker initially and We can only pay through those Registered Bankers. When initially Registering the Banker, Pay Pal will send OTP and We have to revert back with the transaction details of small amounts say less than one Dollar both the Debit and Credit transactions, checking the authenticity of the Customers. 
In my Case I have put approval of three Bankers eg XXXX XXXX  and two accounts from my XXXX   XXXX  XXXX XXXX accounts. 
Whenever I pay some instalments, initially they ( Pay Pal ) gives Credits and sends confirmatory emails and after four to six days they reverse the entry and says that my Bankers have refused to pay /the accounts of your Bank is not Registered with us or I have insufficient funds and when the cut off dates are over informs me about return of payments and adds PENALTY for Return/Non payment during the stipulated time period and for the next months dues they add up the Return Fee 's etc. 
This is how the Pay Pal earns extra money which are some sorts of fraudulent way to run a business.
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart, burdened by the weight of the financial struggles exacerbated by the inaccuracies on my credit report. The credit bureaus have become a source of immense distress, as the negative items persist, casting a dark shadow over my life. 

Despite my best efforts to rectify errors and settle outstanding debts, the credit bureaus seem indifferent to the toll this is taking on my daily existence. The unrelenting presence of these inaccuracies is making it nearly impossible for me to secure basic necessities, let alone plan for a stable future. 

I find myself contemplating the drastic step of filing for bankruptcy, a decision I never imagined making. The impact on my emotional well-being has been profound, as the stress and XXXX associated with these financial hurdles seem insurmountable. 

I implore you to intervene and advocate on my behalf to rectify these inaccuracies promptly. Your assistance in ensuring a fair and accurate representation of my financial standing on the credit report would be a lifeline in these challenging times. 

Thank you for your attention to this matter, and I sincerely hope for a resolution that will restore not only my financial stability but also my peace of mind.
Product: Debt collection

My social was stolen during the XXXX  hack and multiple energy company accounts were open as a result. XXXX  XXXX  transferred the debt of an account that was opened without my authorization to a debt collection agency. XXXX has been contacted.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer FICO credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX has violated my rights 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 without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Myself and Spouse went into a Bank of America branch to cash an IRS refund check. The check amount is less then. {$1500.00} My spouse is not listed on my checking account however I asked to cash/negotiate check since we both were presentteller advised me that it would need to be deposited into my account I assumed that was fine and my check would be cleared by Monday checked my account by XX/XX/XXXX no funds available I called customer care and they advised me that the branch i was at on XX/XX/XXXX placed a hold on my check and it would be at tge discretion of the bank to relaese hold I didnt understand why a hold would be placed on a check I went into the same branch XX/XX/XXXX and spoke to a teller they advised me there was no way to remove hold because my check was held due to potential fraud and suspicious activity She advised me to contact the boa holds department I did that and they advised me the same thing my hold on Check was placed on there due to suspected fraud
Product: Debt collection

In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : XXXX # XXXX and Fox Collection Center # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any of these companies permission to run or pull a credit report on me. It is also illegal to only report when an account goes into delinquent status but not when there are good payments etc also, they should provide the original contract with my wet signature if they think they are right. 
Please remove the following from my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

The credit collection agency is trying to collect a debt that I dont owe. They never provided me proof that the debt belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX. Account # XXXX XXXX XXXX  XXXX Account # XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for XXXX XXXX XXXX XXXX Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with XXXX  and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Product: Debt collection

On XX/XX/XXXX of XXXX, i went to emergency room. They told me i had covid, to stay overnight and released me. Self Health Care sends Executive Financial Services a bill. Its State law in SC, that is if a hospital bill is covid related it can not be turned over to a collection agency or anyone for collection of covid related services. The S.355 Covid Medical Collection Relief Act of XXXX you can XXXX  it. thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Southwest Credit Systems , L.P. contacted XXXX XXXX XXXX via a mailing as a debt collection agency on behalf of XXXX. A wireless provider XXXX XXXX  had purchased a month to month service plan with for a personal hotspot device provided to XXXX XXXX XXXX XXXX XXXX  decided that he no longer wanted the device or service due to service related issues that he felt were unsatisfactory and other relative concerns. XXXX XXXX, per the terms of his contract attempted to return the device at the same retail location from where it was purchased in XXXX XXXX , CA . The retail store representatives stated they were unable to process the return and advised XXXX XXXX  to contact a generic customer service departement. XXXX XXXX  did this and the customer service department advised that the return should take place at the retailer. XXXX XXXX  still has the device, and is willing to return it at any point in time in the immediate future if the provider would simply accept the item back, which is allowed for consistent with his month to month contract that was paid current at the point of attempted return. Nevertheless, the account was reported to a collection agency who subsequently reported the account to the XXXX major credit reporting agencies ( XXXX XXXX XXXX and XXXX ). ' Consistent with the initial mailing that was sent to XXXX XXXX by Southwest Credit Systems , XXXX XXXX complied with the expressed directives and procedures for disputing the debt and obtaining verification of the respective and consistent debt, but the collection agency did not comply and chose to report the information to the XXXX major credit reporting agencies. '
Product: Mortgage

XXXX XXXX sold my mortgage loan to SLS ( Specialized Loan Servicing ). My payment amount keeps increasing. They say it is because I have an ARM loan and there was a deficit in my escrow account of {$910.00}. Originally, it was {$1800.00} back in XX/XX/2015. I was told they would divide this amount by 12 months and that would be added on to my original payment ( the last payment was {$1200.00} ) which would be {$82.00}. I have paid this since XX/XX/XXXX and now I receive a letter that says I still owe the original {$910.00} from XX/XX/XXXX and NOT pay this on the monthly payment!!! 
This can not be because of the ARM interest going up every month. Not that much. 
I have only received 2 late payment coupons but not received a payment invoice, coupon, etc. from them yet, I have called asking for one since the inception of the loan. I just send a check to an address in Colorado. 
I am XXXX years old and my social security does n't even cover the original amount of the payment let alone all the increases. My credit is bad so I can not go get another loan but have always made my mortgage payments on time for XXXX years except to these people because I send the wrong amount not knowing what the right one is. 
Please help me. I do not know what to do.
Product: Credit card or prepaid card

Transaction Dispute filed with PayPal : I ordered merchandise from the internet on XX/XX/2020 which was a WiFi Booster, I never got a confirmation via email and the number provided on my card # ending in XXXX isnt reachable. I went on the website and it says its for Charcoal packages, that is not what I ordered I ordered a Wifi booster. So I found out the company is in XXXX somewhere and they are a scam. Can you please refund my card. The transaction is for {$58.00} on XXXX XXXX. I still have not received the merchandise but my debit card company is still charging me. I attempted to dispute it but was declined to receive a permanent credit.