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

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion file . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically  countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Student loan

I called my student loan servicer multiple times, each time given wrong information by different reps. I have no faith in ED financial to be able to accurately provide correct information like they should. I will be looking into other resources as to them being investigated I have placed two CFBP complaints on ED financial which still no reply! they are ridiculous. They continuously provide false information and at this point I'm not sure if they're doing it on purpose just so interest can accrue or they just seriously don't know what they're doing!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries own my report
Product: Checking or savings account

XXXX XXXX steal XXXX from my checking with Ally bank unauthorized Ally allowed without authorization Ally overdraft my account over XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I logged in to Transunion ( along with the other 2 major credit bureaus ) to temporarily unfreeze my credit so that my financial institution could run a credit check. As part of their identity verification process to allow me access to my account they required a credit card number input, so I did so. The only thing I did with any intention was to schedule a credit thaw and freeze. However, I was reviewing my credit card bill from last month and saw a charge from Transunion for {$24.00} on XX/XX/XXXX and then saw there was also one from XX/XX/XXXX, the same day I scheduled the credit freeze and thaw. I immediately called Transunion and as soon as I told the person on the phone that I was charged for a service I never requested he transferred me to a supervisor. The supervisor repeatedly refused to refund me any money, only offering to cancel the service. After arguing with him for several minutes I asked him to look up my account activitiy and he said that he saw that I " signed up '' for " credit monitoring services '' on the same day I scheduled the unfreeze. He also told me that there is a completely separate form to fill out for the " credit monitoring services '' but if I filled something out then it was purposely intended to appear as part of the credit unfreeze process. Also, I never saw any billing page, or anything about $ XXXX/month. I really don't know exactly how they tricked me into this, but this sure seems like a dishonest -- at best -- practice. I didn't wish to purchase any service at all, only to unfreeze my credit for a credit check and I want the total of {$49.00} that I paid refunded.
Product: Student loan

I contacted the current loan servicer Mohela after my loan was transferred from XXXX in XXXX. I contacted the new servicer to make sure payment would be made to the correct account. During the course of the conversation I was told a different payment amount would be assigned. The told me the change was due to the payment program changing from ( for which I applied and was enrolled in REPAY ) REPAY and switched to SAVE. My payment would be significantly higher than the amount previously assigned it was going to change from {$280.00} ( more or less ) to {$620.00}. At that point I complained to the customer service representative. They said that they would readjust the amount to the original amount of {$280.00}. I asked them to put it in writing and send me something to confirm this. They said they would. I never received anything XX/XX/2023. The correspondence I received told me that my payment was not processed by my bank so I needed to correct the bank account information and submit payment. When I logged into the account the amount. The payment amount was over {$4000.00}. The new amount was extremely discrepant, and I can not afford that amount. I am trying to straighten this situation out but Mohela is not giving me the correct amounts based on the programs I am enrolled in.
Product: Mortgage

Since XX/XX/XXXX, Ive received 7 letters regarding required hazard insurance. The company has been responding to email inquires spanning over 6-months without resolution. This has caused me extreme mental anguish. The most recent letter dated XX/XX/XXXX. My original mortgage did not require additional coverage. My loan closed in XXXX, then a year later in XXXX, this company is mandating coverage. NC does not require wind/hail insurance.
Product: Credit card

I submitted a dispute to Citibank on my credit card with them. I had an unauthorized charge on my account from the XXXX XXXX XXXX for {$230.00}. They have not reversed this charge. I would like this charge removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I initiated an instant transfer of {$100.00} to my bank account through Venmo on XX/XX/2024 and was never sent the funds. 
I have since reached out to Venmo several times and when directed to contact my bank, I was informed by XXXX that no such transaction ever made it to them. XXXXXXXX XXXX  also confirmed this to a Venmo representative several times. 
Despite being provided ample amounts of proof that the funds never reached my account and despite XXXXXXXX XXXX also corroborating this, Venmo continues to insist this transaction was successfully completed despite the evidence provided, and has continued to refuse to transfer me the funds I am rightfully owed.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( AJin general if. after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX
Product: Credit reporting

I cant get an annual report I was told alredy recieved one when I have XXXX applied for one this first time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a late for XX/XX/19 and I ask that they please remove this. I have had an account with you guys for a very long time and I have never been late before and have not been late since. During this time, I did have a family emergency and unfortunately failed to make my payment on time but did pay as soon as I could. I ask that they please remove the late as a one time goodwill adjustment as I have been a very loyal customer. I am in the process of wanting to buy a home and getting this removed would be a great help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled
Product: Credit card or prepaid card

American Express XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX SSN XXXX To American Express XXXX AMEX XXXX -- -- -- We started this process on XX/XX/XXXX with your attorney that is still listed as the point of contact for this lien. On XX/XX/XXXX we were told by your attorney to contact you directly at XXXX. We did and were told by your representative to fax in the authorization and also to mail it in to XXXX XXXX XXXX, XXXX XXXX TX XXXX. -- -- -- -- - On XX/XX/XXXX we followed up to make sure you received the fax. We were told you do not accept faxes and have no idea where that fax number goes. We were also told the mailing address we sent the authorization to was only for payment processing and in fact they had nothing to do with authorizations. We were then given a completely different mailing address -- - All of this was after XXXX minutes of getting the run around from each representative - being hung up on, put on hold, transferred to multiple different people ( most with issues of comprehension and information retention ) -- -- -- -- AMEX IS PURPOSELY BLOCKING EVERY ATTEMPT TO GET AN AUTHORIZATION TO THEM FOR THIS LIEN RELEASE. XXXX YOU ARE ALSO BLOCKING THE IRS FROM GETTING A SUBSTANTIAL AMOUNT OF MONEY OWED TO THEM THROUGH THE SALE OF THIS PROPERTY ****** This is unacceptable and must stop immediately. Attached are copies of our authorization and the lien on the property. 

-- -- -- -- -- - I expect this authorization to be uploaded to the clients account immediately and without further delay. I also expect a response to the request for settlement without further delay. -- -- -- -- - -- -WE WILL BE NOTIFYING THE IRS THAT AMEX IS BLOCKING ALL ATTEMPTS TO GET MONIES OWED TO THEM.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} Unknown - credit extension, review, or collection I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX dates are different on all bureaus {$310.00} I have contacted the company and the credit bureau and nothing has been done. I have not received a response. 

XXXX XXXX XXXX XXXXXXXX XXXX {$850.00} dates are different on each bureau. I have contacted the company and the credit bureaus and nothing has been done. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the change. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal tray, commision identity theft, affidavit. 
" Please delete the items a soons as possible ''. 
Tracking number:XXXX XXXX XXXX XXXX XXXX XXXX Experian Tracking number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had an unexpected and sudden drop on income end of last year XXXX and this year XXXX, and we did not have enough money to pay the mortgage, we got almost 3 month late in XX/XX/XXXX and the mortgage company, XXXX XXXX, sent us an intent to foreclose in XXXX, we talked to them and we try to start a mitigation but it was complicated so we did not formally start the process in writing because the document to file was so heavy and asked many other documents. We talked on the phone about the mitigation process and were assigned a mitigation officer. 
Then we caught back on payments and I was current in XXXX, but in the mean time XXXX sent a letter saying we don't qualify for a mitigation. We called XXXX but the Mitigation officer also said to us we should not follow anymore the mitigation because XXXX was about to transfer the loan. So without me knowing, XXXX transferred the loan to a third party called Penny mac. Meanwhile I was late again in XXXX and XXXX. i was up to two months late. I am really struggling, I am paid late my employer and I have to pay multiple bills at once. Currently, I am only one month late though for XX/XX/XXXX. Since XXXX transferred me to this other servicer Penny Mac, each time I call Penny mac over the phone to pay my mortgage, they tell me that they sent me an intent to foreclose, I am not sure why they say that, I was only 2 months late and now only one month late for XXXX, and I never received a new notice of intent to foreclose ( A foreclosure, I thought, can only be opened if one is 120 days late ). However, looking through all my papers, I did receive a notice of default and intent to accelerate on XX/XX/XXXX that was sent as a regular mail not certified. That seems a notice of a different nature, it says I have until XX/XX/XXXX to cure the loan or they will accelerate it. We are already XX/XX/XXXX. I am really worried, It seems I have to cure loan immediately XXXX by XX/XX/XXXX XXXX, with late fees that they added of {$370.00}, or they will accelerate the loan and foreclose? if this true? I feel my original mortgage company XXXX transferred me to a mortgagor who just tries to foreclose on me any way possible using a tactic that I am very unfamiliar with this threat of loan acceleration, and I just read a court decison where a person complained of a wrongful foreclosure against that same mortgagor Penny mac. I  am extremely suspicious that I was transferred to a third party loan servicer right at the moment I was experiencing financial problems and could not catch up payments. I believe the current mortgagor is just trying to foreclose on me by requiring I cure immediately or they will accelerate the loan and foreclose. XXXX   should not have transferrred the loan while I was trying to mitigate.
Product: Debt collection

On XXXX XXXX, XXXX, I sent to, Hunt & Henriques, Attorneys in Law XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA. XXXX an offer to delete my debt and I never receive any response to my request.. I have the complaint # XXXX open with CFPB XXXX/XXXX/XXXX.
Product: Debt collection

After the XXXX of the month US Bank calls me successive times in a 1 minute time frame. Literally 2 calls in 60 seconds. They'll make multiple calls per day as well. They'll do this every day until they receive the payment. I consider this excessive and abusive.
Product: Credit reporting or other personal consumer reports

I asked for these hard inquiries to be reviewed beacuse they shouldnt be on my credit report they were never verified. 

XXXX XXXX XX/XX/scrub>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

This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXX XXXX  XXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS FRAUD.
Product: Debt collection

My identity was stolen and I put a freeze on my credit but they never locked my credit
Product: Mortgage

The process was totally generate re-I have a VA loan. If you look at the closing statement, you can see where they bought my interest rate down from XXXX to XXXX XXXX quarter number one they had no reason to buy down an interest rate because of me being a veteran and because my credit score was over 680 at the time and I will send you copies of all these things. The x-ray which is applied to our loan should have been down in the twos or XXXX XXXX % because of the time of our purchase. XXXX XXXX waited till the week we close on the home loan to lock in a rate we have been looking at this home back in XX/XX/2021 put a bed on and everything why wasnt the rate locked in a lot sooner. 


Also, we had {$50000.00} give it to us by two different individuals with our friends lives if you look at the mortgage closing statement only {$30000.00} was listed but the {$20000.00} is nowhere on the contract. Where is it who has it the money was not give them back to us so and I can show you the letters for me getting P individuals I will attach. The old is well. Here is about the money that was more of the gifting money and Im cute as well why the longer bravo them and it had no reason to be ball run down because he waited until the last week to do it because he was upset with the fact that I paid off all my bills and he told me that XXXX tell me how to spend my money thats exactly where is verbatim from his mouth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax data breach, I was coerced into enrolled in their XXXX XXXX program at no charge. After 1.5 years or so, I have been informed that my free membership is cancelled. My login and password no longer worked on their website. I decided instead to put a freeze on my information. I set up a new login on their site, and had to include my full S/S number. I still could not log in to the site, and was eventually locked out. I called customer service, and the representative took all my information and left me on hold awhile. When she came back, she said ( in a very heavy accent ) she couldn't help me without more information, including my full social security number ( I had already given her the last four ). Considering Equifax 's record on security, and the fact that their call center is in the XXXX, I feel very uncomfortable giving more info to some foreign person just to unlock some bogus site. It's bad enough this company has put me in this position, but do I need to put my information at more risk?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts listed have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was with XXXX  from XXXX XXXX XX/XX/XXXX. 
CONVERGENT-XXXX  opened the account in late XXXX which is already after the federal XXXX for cell phone debt. They only contacted me in XXXX of this year and did not send an itemized receipt or letter of debt. I have only recieved letters confirming my payments towards the debt.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report via XXXX XXXX, I noticed credit inquiries that I did not authorize. Made by the following companies : Ally Financial on XX/XX/XXXXXXXX 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 have disputed multiple inquiries that I did not submit previously but have not received any resolve in this matter. The last investigation advised that you contacted all companys and have supporting documents that the inquiries are mine. I would like to receive the proof of this investigation. In addition I have attempted to look at my score online and have been advised I need to call directly to your offices because of a technical issue I can not access my credit report. I have called 4 times and each agent states the problem is fixed but Im still getting the same message when trying to access my report. I will download the screen shot. In the meantime please provide the proof that the following inquiries were submitted by me within 15 days. Your time on these matters are appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX