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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XX/XX/XXXX, I applied to PHH mortgage for removal of PMI from my monthly mortgage payment. On XX/XX/XXXX I paid {$150.00} for the required appraisal to support PMI removal. Shortly thereafter, the appraiser came to my house, took pictures/notes, and submitted that material to PHH.

In the subsequent months, I have called and emailed multiple times to various departments within PHH to inquire about the progress of the review of my PMI removal application. Multiple times, I've been told by escalation managers that they would call me back tomorrow or the week after. I rarely receive these calls back and have to call and explain the situation to yet another escalation manager. I'm told that I can not directly call the department responsible for removal of PMI. They have sent me 1 letter and 1 email saying they would get back to me within 30 days, which they have never done. 

I purchase my home for $ XXXX in XX/XX/XXXX. My loan amount was $ XXXX. As of XX/XX/XXXX, when I requested PMI removal, the appraised value of my home was well over $ XXXX, easily meeting the required loan to value threshold for PMI removal.
Product: Debt collection

I have attempted to reach this company via mail in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX  and no response. I tried on a few attempts in XXXX, XXXX  to call and speak to someone and even transferred to a supervisor that they had no information regarding my information even after giving them my information. Asked if I had a letter and I said I did not that it is showing on my credit reports for XXXX, XXXX and XXXX. Said they could not help and ended the call. No response from letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XXXX, XXXX_XXXX   XXXX XXXX, & XXXX card. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Product: Credit card or prepaid card

Capital one card ending XXXX. Capital One is showing a 30 day late mark on my report from XX/XX/XXXX. I wasnt late ; I called in XXXX multiple times to make sure it would reflect accurately. I spoke with several people and they assured me that the error would be removed. However it is still not removed. I called in for the past 3 years, some even saying that they dont see a 30 day late mark while Im looking at my credit reports and it still shows there. I called in a few times in XXXX and they assured me they are helping and will remove it but they havent and they keep telling me to wait until a later date. They refuse to pull up the original call when I first noticed the late payment showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to describe what happened to me, but I truly do not have much to say. I am not aware of any accounts that is on my credit report. I never gave anyone permission to use my social security and post information about my credit to anyone. On XX/XX/2020 I sent dispute LETTERS to the Credit agency 's : Transunion, XXXX, and XXXX. They still have not answered my request. The information on my report must come off asap ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a 30 days late payments that were supposed to be removed FORD MOTOR COM. The date was XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of closing on a mortgage and this late mark is preventing me from moving into my new home. I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score Icoulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations. My SS XXXX DOB : XXXX. I had to move do to job loss and never had a bill update.
Product: Checking or savings account

I heard about the overdraft fees that they've been taking and I'm sure it's been done to me after all these years. I'm trying to find out what I need to do first.
Product: Debt collection

A company called Emergent Services continues to spam call me and keeps calling my work after they have been advised not to contact me at my place of employment. Today XX/XX/23 they have called me 14 times in less than 2 minutes on my personal phone number. They also tried calling my place of employment. I dont know who or what they are trying to claim that I owe them money for but they have been advised not to contact me or contact my place of employment to speak with me.
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I saw a post for XXXX XXXX for sale. I asked how much and if she would take XXXX. She said yes and paypal by email XXXX. it came up as XXXX. She said that's her husband. I told her I couldn't get in and that chime was easier but I'm negative XXXX so she said she would take XXXX. I sent XXXX to XXXX XXXXXXXX XXXX On XX/XX/XXXX she said she needed XXXX for shipping I said I had XXXX. She said send to XXXX. I said why different. She said cause it was hers and she was at XXXX. So by chime I sent XXXX to that email. She said everything was good and in one big box and sent. Her XXXX  profile and XXXX was still active through XX/XX/24 then unavailable and removed due to not meeting community standards. I then knew it was a scam. She wasn't reported and still communicating for a few days so figured she was legit. I called chime and they denied my XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXX  XXXX, XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$7200.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX  account # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I noticed an account on my credit report that isnt mine. 

PREFERRED CREDIT XXXX  XXXX XXXX XXXX, MN XXXX Account Balance XXXX
Product: Credit card

I called Capital One on XX/XX/year> prior to leaving for an international trip to notify them I was going abroad and that my XXXX XXXX would be the only credit card I had with me due to recent theft of my wallet with other cards. I was assured that the card did not need any notification placed on the account and it would be safe to travel with this as my one credit card abroad, and that if there were any restrictions placed I could resolve them over chat and the app as I would not have a cell phone plan on vacation. 

When I reached XXXX my card was restricted within 48 hours of arriving on XX/XX/year>. I was able to get this restriction removed after calling via WiFi to unlock it. However two hours later on XXXX it was restricted again for a XXXX XXXX  sandwich purchase. 

I used WiFi to call back immediately, and this time I was told I could only turn my phone back on if I could receive a text message to an American phone number. I explained that was impossible as Im abroad without a cell phone plan. Even if I wanted to purchase a cell phone plan to get the code I couldnt b cause my card was locked, so I could make no purchases. They said it would take 1-10 business days to resolve. I explained I could buy no food until it was turned on so I urgently needed it fixed, could they ensure it was resolved in one business day. They told me there was no way to do that, refused to escalate my call, and then hung up on me while I pleaded with them. 

I am now having to try to find friends of family in XXXX who can loan me money while this is sorted out. Its a total nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continue send me email about credit cards. The I already been a prove. 2 months a go. I was opening the emails and filling the information the was ask. Always was Denied. The company XXXX  was referring me Continue open my credit report. My score when down 54 point. I finally figure out there game. Now the want me to hire some with XXXX  to increase my score, also they want to apply for credit. They know the I wont qualify. My score its low. Plus I got an account charging me {$1000.00} Which was my ex the primary person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon calling Equifax multiple times, the agent including the XXXX has been very rude to me. I keep telling them that the information in inaccurate and unauthorized and was not made by me. All I keep getting is the run around and misinformation. When I do submit and send in my documents they keep saying they have not received anything. Even when the creditors send me proof that they submitted documents for deletion. Equifax keeps saying they have not received anything. XXXX the manage with an employer ID XXXX was very rude and unprofessional when giving me information and refuse to help me. When I asked to speak to someone else he said I should just hang up. XXXX XXXX number XXXX, XXXX ID number XXXX and XXXX XXXX all need a crash course in customer service and needs accurate information when providing it to consumer. They were all very rude and unhelpful with my issue. According to the FCRA all items unauthorized and unverified should be removed but that is not what Equifax is following. These items are not mine and need to be removed, proof have been sent and they still refuse to delete the items. Attached is the document sent by the collection agency from XX/XX/2023 to be deleted from my credit report but it is still on my file.
Product: Mortgage

XXXX 2022 called Mr Cooper to advise job loss due to Covid , had obtained new job but would not have first paycheck for several weeks -Was told I would be placed on an agreed payment plan that would not affect credit, was instead placed on a payment plan that resulted in credit affected. 
-Advised payment plan installment must be called in to pay via phone -Paid via phone to then have an unauthorized automatic payment debited same week resulting in bank fees, several hours on the phone with Mr Cooper and Bank conferenced together. 
-Both debits were credited versus the intended 1, resulting in defaulting out of payment plan without consent. This was Mr Cooper processing error. 
-Placed back on a payment plan to correct processing error for additional 3 months -Questioned Mr Coopers new payment plan as the payment amount did not add up to the amount owed to catch up missed XXXX payment. 
-Mr Cooper assured on several calls that amount was correct.

-Mr Cooper assured on several calls that notes were left confirming I was calling in concerned about the amount and confirmed amount reflected correctly for repayment plan -Amount was incorrect resulting in completing the repayment plan reflecting still delinquent. 
-Placed back on repayment plan and again, amount was questioned as this was too low. 
-Mr Cooper assured this is correct and advised they made note again that this concern was addressed. 
-Repayment plan completed resulting in still reflecting delinquent. 
-Contacted Mr Cooper again looking for resolution as the continued processing errors caused by Mr Cooper has had a direct and catastrophic impact on my credit score, credit limit, and placed a detrimental financial burden and strain being unable to afford basic living commodities.
Product: Credit card

Earlier this year, XXXX or so my card was compromised by someone who charged air fare, cruise ship charges, XXXX charges, etc. TjMaxx is the issuer of the card. I had been getting a lot of fraudulent transactions therefore they cancelled my card. Prior to this they kept issuing me new cards. Each time they were compromised even before I received the new card in the mail. I called their fraud department at which time I was told I was not responsible for the charges in question. They have never gotten back to me concerning there charges so I assumed all was taken care of by the fraud department. These charges were made In California, I havent left the state of Georgia in at least 3 years. 
Now I am being billed for these charges, after calling their fraud department, I have been put on hold for quite a few moments and the last time I stayed on hold status for over XXXX hour at which time I hung up. I do not owe these charges and do not want to continue this fight for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and sent a letter to this credit reporting agency about the following errors and violations. My Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please note that XXXX XXXX XXXX XXXX XXXX XXXX is not my current or previous address and should not be listed on my credit report 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 XXXX XXXX XXXX XXXX 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 an 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. These items have been reported inaccurately and without my consent which i have disputed. I have attached proof of the dispute letter that i sent certified, as well as the inaccurate results of Equifax 's investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX XXXX 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. I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE EXPERIAN, XXXX, ANE XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Product: Credit reporting or other personal consumer reports

My information has been misused and now I have some false information that is not 100 % accurate accounts on my credit report. This is preventing employment with the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times over to get XXXX XXXX XXXX to correct the various flaws or errors on our accounts credit reporting. And have had " Personal Statements '' attached, but on our Transunion account reporting, the personal statement is distorted and not easily readable. It contains special characters and merged with the fraud alert. 

The means that the personal statement is posted voids its intent, because it can not be understood from its content. 

XXXX XXXX XXXX DOES NOT CORRECT ERRORS. So the personal statement is our only hope to get around obvious practices. 

The statement could help in clearing up the fact that the errors are intentional
Product: Mortgage

I inquired on a PMI statement that I received in XX/XX/XXXX to my banker. I was told by my original loan officer that once I pay up to 78 % of the loan, the PMI will go away and I wont need to make any more payments. I decided to pay make an extra payment one month after the loan to be below the 78 % on XX/XX/XXXX. 

I now being told that XXXX XXXX  recognizes the extra payment to 78 %, but the loan is actually outsourced to XXXX and they go by the " scheduled '' to 78 % for the automatic cancellation and don't recognize extra payments. This means I have been paying a PMI for 3 years even though I have been clearly under the 78 % and was under the impression that I wasn't I will note. I did not send a letter to cancel my PMI to XXXX until now.
Product: Credit reporting or other personal consumer reports

Department of Education Account # XXXX I am writing to formally request the removal of late payments reported on my credit file related to my federal student loans in 2019. During that period, my loans were in forbearance as I was enrolled in school, and therefore, these payments should not have been reported as late. 

Additionally, both XXXX and XXXX are accurately reporting these accounts as current with on-time payments, highlighting the discrepancy in Experians reporting.

Furthermore, please refer to the attached Notice

of Borrower Defense Discharge Approval from the U.S. Department of Education, confirming that my student loans have been fully discharged. This discharge further supports that these loans should not have any negative payment history associated with them.

I kindly request that you investigate this matter and remove the inaccurately reported late payments from my credit report. I have enclosed a copy of my Borrower Defense Discharge letter for your reference. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and notify me of the outcome of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.