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

Listed on my credit report is an account for XXXX XXXX. I have never opened an account with this company. I have asked Transunion to verify this debt but to no avail. The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance None of the information requested has been furnished and provided to me by the credit bureau and the debt listed on my credit report is grossly inaccurate and should be removed according to the law. 


The account number on my credit report for this account is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, 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.
Product: Money transfer, virtual currency, or money service

Paypal has closed my account for no reason on XX/XX/2022, and will not help me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I used Paypal very frequently. Also my balance is being held for six months, adding up to a total of {$3500.00} and XXXX. The email linked to my Paypal account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Someone opened up a XXXX and XXXX account using my bank account. I was not aware of this. When I started my bank account I specified that I did n't want overdraft! I said if I do not have the money then do not pay it and do not charge me a fee. I was told OK. Anyways someone used my bank account on a XXXX and XXXX account I did n't know about. XXXX charged my account XXXX for {$1.00}. I was then charged a overdraft fee twice from the bank. Because of this THEN I found out about it and try and talk to BB & T and I kept getting the run around! Then they tell me there is nothing they can do and they closed my account AND charged me {$30.00} for THEM closing it and now sending me threating letters say I owe {$110.00} or they will send my account I to XXXX so no one else will give me a bank account. I really feel frustrated and bullied here by them!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX # XXXX. 
I HAVE FEW IN ACCURACY IN MY CREDIT REPORT. I TRY XXXX FIX WITH MY ALL XXXX CREDIT BUREAUS BUT THE SAID THAT ITS CORRECT.
Product: Mortgage

I have tried for over 6 months to bring my account up to date. I had to file a previous complaint to correct my principal balance from a previous modification. On XX/XX/2022 I received a letter stating my modification was denied. I feel the denial is in error because both my wife and I XXXX XXXX XXXX XXXX income which was not grossed up by 25 %. I'm also unsure at what interest rate my request for a modification is being reviewed for. 

I also had a change in circumstance, my son will contribute {$1500.00} towards household expenses including the mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

( A ) In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit card or prepaid card

Received this e-mail but did not apply nor request this card : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX ( 2 hours ago ) to ******* Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

-- -- -- -- -- -- -- -- -- -- -- - Tried to contact Amazon to report this but could not find path to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. While reviewing the credit profile to Experian/XX/XX/XXXX/XX/XX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Product: Credit reporting or other personal consumer reports

TransUnion is taking a large amount of points off my score every time I pay on a account, this is crazy and against the law to damage someone's credit report by paying on time and reducing the amount owned, you have caused major problems, and cost me XXXX, this company needs to be investigated by the feds.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid American Express {$70.00}. Additionally, on XX/XX/2022, I paid the XXXX XXXX of {$2000.00}. After paying my account XXXX XXXX, XXXX XXXX later, on XX/XX/XXXX, I received a bill for {$42.00} despite having a XXXX balance. For this reason, on XX/XX/2022, I spoke with several representatives, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, about interest charges owed on a XXXX balance. He told me the bill was valid and that he would credit me {$20.00}. However, when I called back, another representative said I had to get approval before receiving the credit. This is my second time dealing with this problem with American Express. On the previous occasion, the representative told me there was no charge on a XXXX balance and fixed the error ; however, this time, the representatives elected not to.
Product: Checking or savings account

Good afternoon, My name is XXXX XXXX XXXX XXXX of account is XXXX XXXX XXXX of new account is XXXX Ive been informed that my account is restrained. This should not have occurred. I would like XXXX to review and respond to why it occurred. My account was compromised. I notified XXXX of the fraud and how I believed my account was compromised. I was told by a fraud department agent that I would receive a new checkings and savings account and that somebody would call me with instructions on how to reset my online account with them as well to secure my account. Nobody called me. I called XXXX and XXXX representatives promised my account would be returned back to its normal state and somebody would call me on how to reset my online and it is now on permanent restrained. I believe there is a mistake being made. It would appear my account was compromised and Im being punished unfairly for it. I have been getting the run around and its making it very hard to pay my auto loan. Please help me with this incident. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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: Credit card or prepaid card

I mainly used my Chase credit card for shopping and dining, but on XX/XX/XXXX and XX/XX/XXXX, I noticed two fraud transactions. One is under Professional services with an amount of {$310.00} and the other is under Education with an amount of {$110.00}. I immediately reported to Chase that they are fraudulent charges as my identity could be hacked. I also immediately changed all my passwords. Chase initially reimbursed my money and replace my card with a new number, but on XX/XX/XXXX it secretly reposted these two charges on my new card without calling me. I had to call Chase to get someone to tell me why it happened. Someone from fraud prevention team (? ) told me these two transactions are valid because it matches my information. Seriously? The identify theft of course got those information through illegal activities. Anyway I told Chase I disagree with the decision then they promised to look into the issue and contact me to get more information. Then two days later, I got a message in the Chase App ( Again no call, no formal letter ) that they insist the transactions are valid and threatened me to pay the amount otherwise I will break cardmember agreement. What a joke. I will never do my business with Chase again after this incident.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX regarding a report they made to XXXX and Equifax in XX/XX/XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX on XX/XX/XXXX. XXXX XXXX denies doing this, however, Equifax and XXXX have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have my account with XXXX XXXX, which is 6 years old reflect as closed with both XXXX and with the reporting agencies to no avail I was not able to do so and was told by XXXX that they can not /will not send any documentation reflecting the status of the account. Then as recent as XX/XX/2020, two years after it was last reported to the credit agencies, it was again as a negative. It would greatly appreciated if you can please review my issue to see if you can help resolve.
Product: Vehicle loan or lease

This car is a fraud loan I don't have this car and the charge me too much on use car. They would have someone taking car at shopping mall all time I had this and charge me XXXX for car they sold to someone else. I know santander has lawsuits on loan. If they right off XXXX why I still have XXXX. Somethings not right on credit report.
Product: Debt collection

There is an account that was paid in full for The illuminating company ( debt collector Penn Credit ) in XXXX of XXXX. I called on a recorded line ( by myself and Penn Credit ) XX/XX/XXXX and spoke with XXXX ( collections representative ) and XXXX ( supervisor ) to request the information be reported removed. XXXX confirmed that he received the dispute from the credit bureaus and says the company confirmed that the paid account was still in collections despite receiving full payment. After several minutes of going back and forth with XXXX who was beginning to raise his voice. I ended the call at XXXX EST. 

I then contacted the original credit that emailed me a letter stating my account has been satisfied with them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN VICTIM OF IDENTITY THEFT FOR OVER A DECADE NOW. I CHECKED MY CREDIT REPORT, AND I NOTICED THERE ARE NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES ON MY CREDIT REPORT CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY XXXX WHICH HAD MY, ID, DRIVER LICENSE, AND SS CARD WERE LOST AT MY XXXX XXXX AT XXXX XXXX AND NEVER RECOVERED . THESE TRANSACTIONS ARE THE RESULT OF IDENTITY
THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT.

FRAUDULENT ACCOUNTS RESULTING FROM 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

ADDRESSES RESULTING FROM 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves XXXX  ; TransUnion and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Product: Checking or savings account

We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.
Product: Credit card

On XXXX XXXX. I had placed an order online through XXXX of an amount of {$4500.00}. the company refused to investigate whatever happened to my delivered I was also asked to provide my ssn which was strange never heard of any company asking for your social security number which I shouldve knew it was a scam, my bank hasnt really help me with this issues I'm frustrated with this outcome.
Product: Mortgage

I first want to state this is the second time I am submitting a complaint here. This company is continuously failing on many levels regarding my mortgage. I would stay away as far as possible. My previous complaint is listed here : XXXX. It appears it's no longer in the database for whatever reason. 

I feel like I am being gaslit by the promises and continuous failings by this company. I get told conflicting information at every turn. 

In XXXX, I received a loan modification document with an incorrect interest rate from Lakeview Loan Servicing ( XXXX ). I had a prior agreement with my previous servicer for a loan modification after forbearance with an interest rate of 2.875 %. I gave Lakeview Loan Servicing the modification agreement from my previous servicer, and after a couple weeks, I received a phone call from XXXX XXXX or one of her associates that YES, they would honor that agreement. I would need to wait for the paperwork, but I would be fine. I agreed with those terms, and have been waiting since. Today is XX/XX/XXXX, so it's been more than 60 days. 

This is where Lakeview Loan Servicing has left me since my last complaint.

Since that date, I've spoken to 5 managers at Lakeview Loan Servicing, and every single one of them gives me a different answer as to why my issue is not yet resolved. 

I was told by XXXX ( User ID FGA ) that he would remove me from the dialer since I am being harassed. I'm still receiving phone calls at least 3 times a week. 

I can no longer log into their website. I am greeted with a message asking me why I am behind on my mortgage, but I can not select anything to progress. 

They do not post any documents to the customer page, so I have no way to verify anything I am told by the customer service reps or the supervisors. 

Today, and almost every day for the last two months, I have been harassed by phone or mail about my loan being past due when I'm unable to make a payment since they will not let me. I can not log in, and was instructed to not attempt a payment until the modification was complete. 

I never get a straight answer as to why I still do not have the loan modification documents yet, but I am constantly assured that I am still protected. I get answers from the supervisors that " The print team is working on this, but they are backed up with all of the other loans we're processing ''. So why today, do I receive a large packet that was clearly printed by a printer that is completely backlogged? 

I thought it was finally the corrected loan modification documents, but it was a large packet of you missed your house payment. Do you need financial assistance? This document was dated : XX/XX/XXXX.
Product: Debt collection

Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX permitted several companies access to my consumer report without my permission. This is a violation of FCRA as neither the company nor the credit bureaus has permission to do this. As a federally protected individual I demand the credit bureaus provide proof that these inquiries were initiated by me with my wet ink signature. 

These inquiries should be investigated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

Midland Credit Management ie XXXX XXXX XXXX has now contacted my employer and my elderly parents for a debt that is identity theft and fraud and I have disputed. I have requested in writing a copy of the original debt or loan paperwork or information and asked they not contact me at these other numbers as it is illegal to do so - because of my credit issues I will NOT be giving them any personal information over the phone. I need them to send me requested documentation and I will follow up as necessary. Her number is XXXX - when I called back XXXX XXXX could not be put on the phone.