23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. <P/>The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. <P/>Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. <P/>The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
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3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
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My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
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Mobile Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX RECENTLY REPORTED AN INACCURATE COLLECTIONS ACCOUNT. THIS ACCOUNT ( XXXX ) WAS RECENTLY REMOVED FROM MY CREDIT REPORT FROM ALL 3 BUREAUS BECAUSE OF FALSY REPORTED. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, XXXX DO NOT HAVE MY SOCIAL #, PHONE CONVERSATIONS, EMAIL CONVERSATIONS, OR ANY PERSONAL INFO OF MINE, NOT EVEN A SIGNED CONTRACT AGREEMENT BECAUSE ITS A FALSE ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts. 
1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report. 
According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My background report in my criminal history is wrong I have never been convicted  of any felony  at this time nor have I ever. And it claims i am guilty of two XXXX  in the first  and 6 pending?? GSI needs to understand the negligence on their part and understand this is someone's life they are reporting not nothing less and they hold it in their hands when we dont get a job or loose a job cause of them..
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as such, there are unauthorized inquiries on my credit report. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all the following inquiries be immediately blocked and deleted from my credit report. 
Unauthorized Inquiries to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Furthermore more I called the account in question a month prior to closing stating I longer needed their services it was the customer service representative neglect to properly close the account which resulted in the late payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account XXXX XXXX XXXX XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.|
Product: Mortgage

My house commercial mortgage with loan XXXX XXXX XXXX started on XX/XX/XXXX. 
Original payment was {$3400.00}. 
XXXX home taxes were {$17000.00}. 
In XXXX home taxes went down to {$5200.00}. 
On XX/XX/XXXX mortgage payment increased to {$460000.00}. 
After I asked for audit of my loan payment. In XXXX mortgage payments were recalculated and on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$16000.00}. 
On XX/XX/XXXX the new mortgage payment of {$3800.00} started. 
I asked for another auditing, on XX/XX/XXXX mortgage organization issued reimbursement check in amount of {$11000.00}. 
Because taxes were {$11000.00} lower comparing to the time of mortgage origination, I asked to reduce monthly payment to {$2400.00}. 
For 5 months mortgage organization accepted new mortgage payments in amount of {$2400.00}. After that they claimed that I missed mortgage payments for 3 months and started foreclosure process. 
I called mortgage organization with requests of auditing monthly payments, hired an attorney, but nothing helped. 
Id like to audit this mortgage organization, stop foreclosure and pay off entire mortgage amount. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
XXXX, XXXX XXXX Experian is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX XXXX Experian written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Consumer Loan

account number XXXX was reported as opened on my credit report as of XXXX this i before i even applied for credit or gave my credit information to the dealer i disputed the error thru the credit bureaus and ford came back with a reporting improvement in previously reported derogatory credit.the auto loan never was opened until XXXX and it was opened with out a siganture for the buyer on the retail installment contaract without a date but no one had any athorization to run or report anything on my credit until XXXX the reporting even list a payment made in the month of XXXX and has a dollar amount different from what the contract list when i asked ford for a letter showing i never made payment on such account they somehow sent me a letter listing a payment was made in XXXX this is false and account is fraudulent i want it removed or honestly correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a charge account with " XXXX Bank ''. it is NOT a credit card. But it supposed to report to the credit bureaus to improve the credit score, the reason why i applied for this account. But unlikely, it destroyed my credit score. 

Because the Term " Balance '' in the credit card system means we as the consumer are owing some money to the creditor, which the higher, the more negative ; but when we come to the debit cards, the word " Balance '', means the money that is sitting in the customer account, which the higher, the more positive. 

So this account currently reporting the money that i have in my account, as a debt, as a " Balance '' under its negative definition as mentioned above. 
this is showing a high utilization on this account, which has dramatically decreased my credit score. I called the credit bureaus, and the bank several times. but seems that XXXX bank people are not familiar with the credit report system, and kept reporting my MONEY under the Balance Category instead of reporting it under the LIMIT category.
Product: Payday loan

I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.
Product: Credit card

A capital one card was opened using my information and I did not authorize it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic find transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$10000.00} XXXXXX/XX/XXXX- XXXX - {$0.00}XX/XX/XXXX XXXX {$4000.00} XX/XX/XXXXXX/XX/scrub>/2024 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX ( XXXX )
Product: Debt collection

repeated letters to collect a debt that was written off by the company and no longer exists on my credit report. Debt is over 10 years old. Company keeps sending me info about their chapter XXXX problems. I have wrote to them XX/XX/2019 telling them to stop and they responded with a an auto reply that day saying they received it. Then one week later with an email saying they would be in touch with an answer. Then on XX/XX/2019 I got another letter about chapter XXXX. I don't see how that is of any interest to me. I don't need any further info or contact from this predatory lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage payment for account # XXXX with Carrington Mortgage Services was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my XXXX credit report : Company/Account Name : CARRINGTON MORTGAGE SERVIC Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : N/A Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : N/A Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) TransUnion shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts still appear on my credit report that are part of my identity theft case.
Product: Debt collection

I sent a certified letter disputing this allegation I never signed a contract with credit control XXXX  or anyone including XXXX  I and our legal aid team asked for the assignment of title and purchase agreement with my info that is contained in the pool of bad alleged debt they sent no such documents only a photo copy off the internet from someone elses debt that has same name I informed them multiple times its not mine they keep texting calling and sending letters they will not provide me with proper documentation. Therefore they must delete all reported information to the credit bureaus and remove it for false reporting and they do not have a westvirgina business license and are trying to perceive as the do the westvirgina attorney general has verified it. I want this account deleted today it is not mine I never signed a contract with credit control XXXX or anyone else and never heard of XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the charge-off reported on my credit file associated with account number : XXXX and account number : XXXX. This request is directed toward the charge-off recorded on XX/XX/XXXX and XX/XX/XXXX, as listed in my credit report. After reviewing my financial records and the circumstances that led to the reported status, I believe that the charge-off was reported in error due. To support my claim, I have included relevant screenshot. I kindly ask that you review my case and consider the removal of this charge-off from my credit records. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. 

Account number : XXXX XXXX charged off XX/XX/XXXX Account number : XXXX XXXX charged off XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This account XXXX XXXX XXXXXXXX is not complete and it's not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repossession : In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

I demand these accounts be deleted immediately or I will file for litigation. 
XXXX XXXX XXXX - XXXX XXXXDOFED - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX FXXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with Caliber Home loans. I do not have a contract with this company. They did not provide me with the original contract or answer the debt validation request.
Product: Credit card

- XX/XX/XXXX I made a purchase on my Gap Card through paypal in the amount of {$120.00} - XX/XX/XXXX a refund was processed for the total amount ( {$120.00} ) from XXXX through XXXX. 
- XX/XX/XXXX - I called Gap Mastercard to ask why I am still not seeing the refund reflected on my account. I was told that at some point during the time of the purchase and the time of the refund my Gap Mastercard acocunt was transferred from XXXXXXXX XXXX  to Barclays and these transactions will take 30 days to reflect on the account since it was refunded to my XXXX account number. 
- XX/XX/XXXX -I called b/c the amount was still not reflected on my account and was told it takes 90 days NOT 30 day. 
- XX/XX/XXXX - I called and was told they have no idea where the money is. " call XXXXXXXX XXXX  '' and see if they can help. I called XXXX and was told they are not the account holder. I called XXXX and was told the refund was processed ( I have proof of this ) and called Barclays again. They said they will open an " investigation '' and a supervisor will call me back within XXXX hours. 
XX/XX/XXXX - I called Barclays ( the phone number on the back of my card ). There is no record of an investigation, only records of my previous calls and I should try to call Gap Customer Service ( the store!! ). They do have record of the original transaction but not of the refund, " sorry! '' They said no supervisor available but will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Product: Money transfer, virtual currency, or money service

I used '' TransUnion '' website to check credit report, they charged me {$21.00} without my permission or knowledge that a transaction would take place. 

Information of Incident : Date : XX/XX/2018 Time : ~XXXX~ XXXX  ( Not sure about exact time, but around XXXX XXXX ) Amount : {$21.00} Charge Info : XXXX XX/XX/XXXX TU *TRANSUNION XXXX CA I immediately looked up on XXXX if this is even allowed to happen, and found out TransUnion was a scam, and cancelled my account ( hopefully it is cancelled, there is no way to tell if it is ) on TransUnion around XXXX XXXX XXXX~ XXXX the same day, in fear of reoccurring payments without my authorization or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain XXXX XXXX XXXX : XX/XX/year> CREDIT COLLECTION SERV : XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I never authorized Academy Mortgage company to submit an inquiry to obtain a credit approval. I submitted information for a pre-approval request. At the time my request was submitted, I informed the gentleman that I had security freezes on my credit files as I did not want any hard inquiries. Nonetheless, after carefully reviewing my credit reports, I noticed th  at an unauthorized hard credit pull was listed on my reports.
This company did not have authorization to obtain my credit information, which is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, ''. I have reached out to the company in which placed this hard inquiry on my credit report and I have been unsuccessful at getting a resolution.