23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the month of XXXX in XXXX, MRS Bro LLC Placed a collection on my credit report for the amount of {$430.00}. 
At no point did I sign a contract or provide this company with my information or permission to place an account on my credit report I have filed a dispute with the credit bureaus ( XXXX, XXXX and XXXX ) to have it removed due to invalid and unverifiable information. Yet the account is coming back as verified when there is no documentation with my signature and/or date agreeing to pay the amount requested. 
Due to this collection being placed in my credit report my credit report and score has been damaged. 
The original contract with the creditor has been cancelled per a letter being provided to me stating I am not in debt with them for any amount.
Product: Mortgage

I recently paid enough on my principal so that I owe less than 80 % of the initial value of the loan. I asked to have my PMI removed and I was rejected without an appraisal of the current value of the home. 
After a lengthy discussion with customer service, they told me that I can only have PMI removed if I paid 20 % of the value of the home, which may only be determined with an appraisal. 
After escalation to the supervisor, I was told that my record is 700 pages long and they would have to get back to me. It has been several weeks and I still do not have a determination, but my online account still shows that I owe PMI on my next payment.
Product: Debt collection

XXXX incorrectly charged my account for {$5.00} and {$15.00} on XX/XX/2021 and subsequently reversed the charges on XX/XX/2021 due to their error. 

Despite this error by XXXX, XXXX reported my account as past due and sold my account to a collection agency called TRS. TRS has been harassing me despite me sending them proof that I do not owe any money and this was an error on behalf of TRS. I called on XX/XX/XXXX and also on XX/XX/XXXX. I also filed complaints with the Attorney General in California against XXXX and Attorney General in Georgia against TRS. Despite this, both XXXX and TRS keep pitching my case back and forth and blame the other for not clearing up my records. 

I need CFPB to intervene since neither of these companies know what they are doing and can not clear up my records without your assistance. 

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

I have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Refer to CFPB complaint XXXX for background with my issues with USAA. 

As a result of their admission of fault in the result of cancelling my accounts without merit, I discovered they reported an open credit card account for the month of XXXX. 

Referring to the response from USAA on CFPB complaint XXXX : " XXXX XXXX, XXXX staff facilitated a re-review of the decision to discontinue doing business with you. It was determined that the decision was made in error, and steps were taken to reverse the actions taken and the restrictions were removed. We addressed the identified opportunity with the individual involved, to ensure appropriate handling of similar situations moving forward. We regret any frustration you experienced. '' If you refer to the CFPB complaint, you will note that I was informed ( apparently ) on XX/XX/XXXX by " XXXX '' that my accounts were closed. I learned this in a call with the Office of the CEO on XX/XX/XXXX - check the call recording. This was in the notes of the action made by " XXXX  '' when she went to cancel me. In the attached document, you'll note the credit card was opened in XXXX, after I was cancelled by " XXXX '', yet the result from the CFPB complaint was in XXXX. 

I have never used this account, did not have access to it, did not activate any cards with the account. 

I've tried to dispute this invalid credit card account via the Credit Bureaus, and so far XXXX has reported that USAA has rejected this as " open '' still. At the same time that I closed the checking/savings account, I also asked to close this " ghost '' credit card account. 

I have been rejected for new credit cards from other institutions because of this " ghost '' account showing on my record. 

My credit score has dropped XXXX points as a result of these action ( s ) by USAA and the unjust retribution actions by employee " XXXX  '', with USAA falling in line with those actions until CFPB complaint XXXX was filed and those unjust actions reversed.
Product: Mortgage

My case # XXXX would like an update from Wells Fargo Home Mortgage as to the progress of a solution. 
I only receive letters that state we ( WFHM ) are working on a solution. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2022, XXXX XX/XX/2022
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC section 604 ( c ) governs the furnishing of reports in connection with credit or insurance transactions that are not initiated by the consumer. Fair Reporting act 623 states that Financial institutions that furnish information to nationwide consumer reporting agencies, as defined under Section 603 ( p ), must notify consumer in writing if they furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent inquiries on my profile. XXXX has deleted them but XXXX and Transunion have yet to follow suit. im asking for XXXX and transunion to delete the inquiries also because they are fraudulent
Product: Mortgage

I have a Mortgage with Loan Care which was paid on XXXX/XXXX/2016 using my on-line pay bill as it is every month and the company is charging me a late fee because the funds were n't received by the XXXX of the month. This is the second time Loan Care has stated they did n't get our payment on time. 1st time they stated that they saw our payment was made on time and they would " waive our late fees '' even though the payment was made on time. This time they stated that they could n't see the payment being made. I offered to give my the confirmation number of the payment which XXXX employee ID XXXX refused to take he stated that I need to my bank fax in prove of the payment so they could research the matter. At this point I requested to speak to a supervisor XXXX refused he stated that their was n't a supervisor available at this time and he would take my phone number and someone would contact me back with 48hours. This is the second me or my wife have requested to speak a supervisor and were refused. Loan Care is purposely posting my payments late so they can charge me late fee 's which are not valid. This is a prefect example of predatory mortgage servicing which is the unfair, deceptive, or fraudulent practices of lenders and servicing agents during the loan or mortgage servicing process, post loan origination.
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 Consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress fr these violations.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and I noticed that I've been a victim of identity theft and found a credit inquirie that I have no knowledge of. Here is the inquirie ; XXXX XXXX XXXX Requested on XX/XX/year>. 
Under 15 usc 1681c-2 Block of information resulting from identity theft_ ( a ) except as otherwise provided in this section a consumer reporting agency shall block the reporting of 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 by such agency of_ ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I also submitted a FTC identity theft report, complaint # XXXX.
Product: Mortgage

We pay biweekly. The last auto draft they took out was on XX/XX/XXXX. 

We confirmed with our bank ( XXXX ) that the mortgage company never tried to draft after that. 

Called mortgage on XX/XX/XXXX to ask them why this happened. They couldn't answer us and opened a trouble ticket to call us back by XX/XX/XXXX. We paid the outstanding balance online manually. 

XX/XX/XXXX -they did NOT call us back XX/XX/XXXX we called mortgage and spoke with XXXX XXXX He made us pay {$110.00} ( not sure why ) and said this would make us whole again for our biweekly. He said he set it up to pay XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX we called mortgage and asked why payment for XX/XX/XXXX didn't post and they said " it can take awhile '' XX/XX/XXXX called mortgage company and they said they still don't know why the payment won't post and their " HCA dept '' will have to call us because they don't know.
Product: Credit reporting or other personal consumer reports

I started and paid for my quote with XXXX in XXXX for my policy to start in XXXX. My final month with XXXX was in XXXX because they tried increasing my insurance from {$230.00} to almost {$370.00} a month. I advised XXXX XXXX when making the payment that XXXX would be my final month and I have already started service for XXXX with XXXX. I do not owe XXXX XXXX a dime and the collection needs to be REMOVED from my credit file indefinitely! These practices are unethical and it is wrong to charge someone for services they canceled and paid their final charges. Please remove this account from my credit report! This is my credit and my life that is being sabotaged! I DO NOT OWE XXXX XXXX A DIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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.
Product: Debt collection

I have recieved a notice from Sequium Asset Solutions on XX/XX/2021 of an illegitimate debt they were trying to collect, ref number XXXX. 

I sent a response challenging this debt via certified mail on XX/XX/2021 they signed and received on XX/XX/2021 stating that I was challenging this debt and to case and remove it from any credit reporting agencies within 30days if they could not provide adequate dated information, payment records, and contact details of someone who had original knowledge of the debt of this collection. I requested all communications be performed via certified mail and I have yet to receive any additional mailings from Sequium. 

Today I was notified of an alert on my credit report that they have opened an account in my name on XX/XX/2021. I believe this is to harvest information illegally and the FCRA has protections against this. They have not responded and this is an illegal attempt to collect a debt even after I requested additional information and a contact to refute the debt. They have not responded to my challenge in any way and I want this to stop. 

This is not the first company to attempt this illegitimate collection and the others who have tried to know this as they ceased collection efforts immediately. I want to ensure Sequium/Comcast does not attempt to sell or continue to pursue this debt as this has been re-sold numerous times and is harassment at this point and it goes against the FCRA guidelines XXXX Before it was sold into collections, a supervisor at XXXX said it would've been handled and removed when this all started as it was their error and this needs to stop.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA issued credit in the amount of XXXX apparently using my identity in XXXX. In XXXX USAA then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with XXXX XXXX to report this fraud to do an investigation. Let me be clear, I have never done business with USAA and never been in the military which is apparently a requirement to do business with USAA
Product: Debt collection

I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. The effects of this matter have been causing me severe health problems and difficulties in my marriage. Equifax is now negligent in failing to comply with

t he U.S. Codes of Law. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXXnd XXXX XXXX and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 
Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.
Product: Credit card

I closed my Chase XXXX XXXX Rewards MasterCard business credit card account in or around XX/XX/2023. I am now doing my company 's year-end accounting and I need a copy of a statement from XX/XX/2023. I would like to download the card statements in XXXX XXXX  PDF format from the website as I used to be able to, but Chase has removed all references to the account and customer service at first claimed that they could not access any information because the information had been destroyed. I asked to be transferred to a supervisor, who told me the same lie. I told her that she was lying and she said I could call back and speak to another supervisor. Instead, I called the Chase " Executive Office '' and a representative confirmed that the statement I was asking for was indeed available ( meaning that both of the prior representatives were in fact lying ), but it could only be mailed out via postal mail because the card is not on the Chase website. 

Chase obviously controls the Chase website and has made the active decision to purge records for closed accounts, even when customers are entitled to their own financial records. It should not be so difficult to get electronic copies of one 's own records, whether an account is considered open or closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Product: Mortgage

The company simply sent a copy of my Note, Trust and Security Deed and some of their accounting documents which does not show Servicer Transfer Notices ( RESPA Compliance ). It also appears that based on the amount of my mortgage after 21 years, the servicer has been unjustly enriched at my expense. I also requested a transaction history from prior servicers and have not received those records either.
Product: Money transfer, virtual currency, or money service

I haven't received my replacement money order from moneygram since XX/XX/1922 it's been 3 months my number is XXXX serial number XXXX amount XXXX date XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out numerous of times to Equifax, due to an inaccurate account reporting on my consumer report which is listed below. I requested that they re-investigate and they have failed to verify this account and did not provide me documents to prove this account belongs to me. I do not recall this account at all and it has been reporting on my consumer report since XX/XX/XXXX. 

For my understanding, 15 U.S.C. sec 1681i ( a ), you must complete this re-investigation within the receipt of the original request, and if it is not done, the information should be deleted immediately. Well this was not done and Equifax did not comply, so I am asking for you to assist me in this matter.

Account Name : Not listed on my consumer report ( charter communications after research ) Charged off closed on XX/XX/XXXX Account Number : XXXX Amount of {$790.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I am formally writing this complaint because I noticed during my quarterly review of my accounts listed in my consumer reports, an account with COMENITY BANK has been charged off with the 3 national consumer reporting agencies ( XXXX, XXXX, and XXXX ) since XX/XX/year> which is more than 5  years. That statute of limitations to collect debt on this account in the state of Arkansas per Arkansas Code Annotated ( ACA ) 16-56-111 is 5 years and 3 years for medical debt.
Product: Credit reporting or other personal consumer reports

someone stole my personal information and have been opening accounts under my name without my permission I made a FTC report and contacted the credit bureaus they didn't remove the account off my credit report after the investigation after i been a victim of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX