23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I submitted this request to my mortgage company. Mortgage company name is : Shellpoint Mortgage now known as NewRez Financial Since XXXX of XXXX, my wife and I started a repayment plan to fulfill according to the mortgage company, a past due amount of {$12000.00}. The initial payment of {$4000.00} we paid in XX/XX/XXXX ; the monthly payments were {$3100.00} which includes regular monthly payments of {$2500.00} plus {$630.00} for 12 months. In XXXX of XXXX due to COVID19 we requested a forbearance regarding the mortgage payments we were approved. Starting XX/XX/XXXX, 3 payments were made ( XXXX {$1200.00}, XX/XX/XXXX {$1200.00}, XX/XX/XXXX, {$1500.00}, and XX/XX/XXXX, {$2500.00} ) Keep in mind no payments were required during the forbearance period.
Product: Prepaid card

On Several times I contact American Express and they request that I verify with the automatic system then they need verify again with representative then why do need XXXX verification. Then the advertise no Fees why was charge withdrawal fee at the ATM. Please verify my account is being hand correctly and they are working within Federal Regulations my American Express Serve Account Number XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report earlier today, which came as a complete surprise. During my regular credit check, I found discrepancies that hadn't been there before. Thinking it might be a browser glitch, I refreshed, but nothing changed. This situation is highly frustrating, and I demand immediate action to review the documents I provided so I can stop worrying about this issue.
Product: Debt collection

XXXX XXXX has called several times from XXXX for an employee. The calls have been made to a business line that take multiple calls on multiple lines. The XXXX XXXX rep. XXXX XXXX notified the University that she needed to get into contact with the employee yesterday ( XX/XX/20 ) and we took a message and said that the employee is on leave and that they should try his personal number but we would relay the message. She gave us the supervisor 's contact information ( XXXX XXXX XXXX XXXX for the employee to call. Today, the rep was notified again that this was not an appropriate way to get in contact with the employee and was told not to call this number. The rep continues to call the number which has multiple phone lines attached to it and hang up. Our business line had to be set up to automatically be transferred to voicemail.
Product: Payday loan, title loan, or personal loan

A cybercriminal took out {XXXX} from my account. The Bank refused to waive this charge. My counsel advised me to immediately close this account. The bank blocked this account but charged me the entire amount and interest charge and finance charge. 
Under these circumstances, I took a loan of XXXX} from my father and paid this bank on XX/XX/2022. 
Nevertheless, the bank refused to close my account and let me take out my money. 
The name of the bank is City bank., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX New York XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing inaccuracies in my credit report from TransUnion, which continue to damage my credit. Despite previous attempts to resolve these issues, the inaccuracies remain and violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards. 

Specific Items in Dispute : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Inquiry Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Dated XX/XX/XXXX Issues Identified : Inaccurate, inconsistent, or unverified reporting across multiple credit bureaus. 
Failure to provide substantiated evidence of reported information. 
Non-compliance with XXXX XXXX reporting standards, compromising the accuracy and completeness of my credit file. 

Requested Resolution : I request : 1. Immediate removal or correction of all disputed items. 
2. Verification of compliance with the FCRA and XXXX XXXX standards. 
3. Written confirmation of the corrections made, including notarized verification from a qualified individual. 

Impact : These errors have led to unjust credit denials and excessive interest rates, which have negatively affected my financial opportunities. 

I expect prompt action within 7 days to avoid further legal action.
Product: Credit card or prepaid card

On the XXXX XX/XX/XXXX We purchased a flight ticket on XXXX for XXXX EUR  ( XXXX $ ). 
Later tickets were cancelled ( XXXX XXXX stopped operating its service ), merchant acknowledged it and we did no received service that we paid for. Months later we were provided a voucher for future service. We don't have any future intentions for travel with my family and we are not going to use this voucher within 12 months. My family spent extra XXXX $ for purchasing tickets from XXXX to get to final destination because XXXX could not provide customer service or voucher in time. 
We filed dispute with capital one credit card, but we were credited back, decision was based because voucher was provided from the merchant. 
We would like to get our money back because service was not provided in time as it was promised when we paid for tickets
Product: Credit reporting

I got a reply and my phone is not working. I tried to call but it is shutting down. You are asking for more info but the person I talked to said he needed the reporting agency I reported it to. That do n't make any sense to me as you have it on your own paper work. What is it you need or require to move forward with this complaint? I am telling you I am requesting each item you say I bought with this credit card? that you have itemized without the full date and my signature on each receipt that I actually bought the item. I do n't want any phone contact. I want proof that you ask me questions and I respond. This has been going on long enough now and needs to end. I also want to be assured the eliminated debt that was to be removed from reporting will not be resold and start this over again.
Product: Mortgage

My original loan was with XXXX XXXX who sold it to Loan Care, and since then I have had nothing but problems. First, I have now and have always had insurance on the property. However, Loan Care placed lender insurance on the property because they said they didn't have all the insurance documents they needed even though I provided everything they requested and followed all of the steps they told me to take. 

At the same time, they placed an escrow account on my loan and raised my payments in order to cover their lender placed insurance. I have spent HOURS on the phone with them trying to resolve this and ave the escrow account removed, lender insurance removed, and my payment reduced back to normal. I was told they were handling it and to pay my normal payment which I did. But then I found out they sent me to their collection department because I didn't pay the full amount. In other words, the didn't " handle it '' and they continue not handling it despite my multiple attempts to get this resolved. Last Saturday I was on the phone with them for over 4 hours! I was transferred several times to different people and their phone system hung up on me 3 times. I also have letters from them stating the issue of insurance has been resolved. 

But it gets worse for me. They've ruined my credit. Now, when interest rates are very low, I am in the middle of trying to refinance 3 loans on 3 separate properties. When I checked my credit score over a week ago, it was XXXX. But, much to my surprise, my loan broker called me yesterday and my credit score was down in the 600 's! My credit has been ruined and I can't refinance my loans as a direct result of Loan Care 's negligence and completely inadequate and inept customer service. 

Again, none of this is my fault. I have always carried insurance and I've always paid on time. Loan Care should have NEVER placed insurance, NEVER added and escrow account, and NEVER sent me to collections. But, nevertheless, they did despite all of my conversations with them and despite their assurances that they were taking the necessary steps to resolve the issue, removing the escrow, etc. Now I'm paying the price, both in terms of my financial health and my emotional health. The stress they've caused me is unbelievable and totally unnecessary.
Product: Credit reporting or other personal consumer reports

I have a repo that I wanted to remove from my credit
Product: Credit reporting or other personal consumer reports

Experian, Re : Letter to Correct All Inaccurate Late Payments to pays on Time on my Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You have listed that Payment status is 60 days past due and the last reported date as XX/XX/2022 but it states that my last payment was also XX/XX/2022. So how can I be 60 days past due without being inaccurate. Please update to pays on time. The other bureaus have it differently. 
XXXX ) XXXX You listed that my payment status is 60 days past due and that you last reported this on XX/XX/2022 but it also states that my the last payment date as XX/XX/2022 so how is this 60 days late without being inaccurate. The other XXXX bureaus have the payment status as current. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and corrected and marked as pays on time on my report. It is my understanding that you will recheck these items wit the creditor who has posted them. Please correct to pays on time for any information that the credit can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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

This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX
Product: Credit card

On XX/XX/year>, I attempted to make a credit application for XXXX XXXX via their partner institution Synchrony Bank. The purchase account was approximately {$1200.00}, and I requested credit to pay this amount over time.

Instead, after applying through Synchrony ( as the only option provided for credit ), I was provided with a credit line of {$800.00}. I explicitly applied for credit for the amount of the order, and instead of being declined, I was provided with a credit line insufficient to cover the full cost.

I attempted to purchase with this insufficient line, in the hopes that XXXX XXXX would require me to make a down payment for the remainder, but was told the purchase was declined by Synchrony. I am now left with a card I did not agree to be responsible for, and will be reported as if it is a current credit card on my credit report.

I am requesting Synchrony Bank close this unauthorized account, and retract its associated fraudulent credit inquiry.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccurate : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. The following personal information is incorrect Employers XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry XX/XX/year> XXXX. The inquiry was not authorized Date of inquiry XX/XX/year> XXXX. Identity Theft XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. 
XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX Account Number XXXX XXXX XXXX Theft XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX and 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 can not furnish a account without my written instructions.
Product: Debt collection

FINANCIAL CORPORATION OF AMERICA HAS CALLED MY JOB ON SEVERAL OCCASIONS AND I HAVE ADVISED EACH TIME TO NO CALL MY JOB AT XXXX BUT STILL CONTINUE TO CONTACT ME
Product: Credit reporting or other personal consumer reports

There are unauthorized accounts on my credit report XXXX ( {$1000.00} ) ( XXXX ) XXXX  ( {$2000.00} ) ( XXXX ) XXXX ( {$1700.00} ) ( XXXX ) XXXX XXXX XXXX XXXX ( {$2200.00} ) ( XXXX ) XXXX XXXX XXXX ( {$3000.00} ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XXXX to have Equifax remove a fraudulent credit inquiry from my credit report. I have spoken to them on the phone numerous times, mailed and faxed documents, and have received TWO reassurances : once in XXXX and once last week ( both with CONFIRMATION NUMBERS ) that the inquiry had been removed. Yet it is still there. I have given up dealing directly with Equifax given their apparent inability to resolve this matter to my satisfaction, and due to the fact that they outright lied to me about the fact that the fraudulent inquiry was removed ( TWICE. ) First confirmation number is on the uploaded document. 
Second confirmation number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

balance was paid before closure of banks and is not showing on XXXX systems.
Product: Credit reporting

I contacted Experian and have sent countless of letters to have them delete innacurate and wrong addresses jobs and phone numbers from my persona credit report. It is a violation of the FCRA for them to just place and hold this information on my credit report especially when the other credit bureaus have removed them. The information is not correct and that is it!! I need the following information to be removed : was looking at my report # XXXX, and I noticed that there were many incorrect personal information items on my file such as my name, address, and phone numbers. I need for them to delete all of the incorrect addresses and phone numbers below. And, delete those names that are shown below. 
Each and everything below needs to be deleted. It 's quite disturbing that you are putting others personal information on my file. DELETE THE ALL OF THE FOLLOWING NAMES, ADDRESSES, AND PHONE NUMBERS THAT DO NOT BELONG TO ME. 
Delete these names : XXXX XXXX XXXX XXXX XXXX Delete these phone numbers : XXXX XXXX XXXX Delete these addresses that are not mine and never have been mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX, XXXX XXXX XXXX XXXX , XXXX , XXXX , XXXX 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 came down with XXXX XXXX and was unable to continue working my two jobs. I underwent a XXXX XXXXy, but luckily needed no further procedures. I had applied for a Deed in Lieu of Forclosure with Citi Mortgage back in XX/XX/2117. I submitted all of the necessary paperwork that was required of me, and moved out of the state, putting all of my possessions into storage in New York. Now, five months later I have been informed by Citi Mortgage that new paperwork is required because they changed their rules. I feel that I am being discriminated against based on a XXXX. Because I developed XXXX and was no longer able to work Citi Mortgage is making it impossible to continue with the Deed in Lieu of Forclosure. Since all my possessions are in storage in New York, I have no access to the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries, I reach out to both companies and the 3 credit bureaus and havent received a investigation or any call back sent in numerous documents and still no changes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, Equifax and XXXX all have bankruptcy on my credit report that should not be there.