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

I have made repeated attempts over the last 6 months with Trans Union, XXXX, and XXXX to REMOVE whatever credit BLOCK, LOCK, OR FREEZE from my credit file. 
They have yet to do so. Today ( XX/XX/2022 ), I was denied the opportunity to open a SAVINGS account with XXXX XXXX XXXX XXXX because the bank manager stated there is still a BLOCK on my credit. 

I will be purchasing a car within the next few weeks and I DO NOT need this to affect my purchase. 

I DO NOT nor DID NOT authorize any credit bureau to place a credit BLOCK, LOCK, OR FREEZE on my credit file and I want it removed PERMANENTLY!
Product: Checking or savings account

got a duplicate charge by XXXX XXXX XXXX XXXX for an order originally deducted and shipped on XX/XX/XXXX. On XX/XX/XXXX, they posted the charge again. The money had already been deducted in XXXX clearly or i wouldn't have the items in my possession. The item s they say they just shipped are seasonal and not even available for sale anymore so the charge is clearly fraudulent. I file an unauthorized transaction dispute and call customer service and this guy XXXX says he needs to change my dispute to item not received. Well then they deny my dispute because of the tracking number the same tracking number from back in XXXX! This is a fraud loophole that has been used on PayPal and these instances are all over the internet of them denying fraud protection because of fake tracking numbers. To appeal the dispute i seek a running account balance and they arent providing one. This is illegal and they were already sued and the judge ruled they were violation of the law for not providing monthly statements with a running balance. They still arent abiding by the law. And this is so they can double charge and skim accounts, and both steal and reap transaction fees from fraudulent charges. They wiped my account and that caused an overdraft. They do not have my permission to debit my bank account but they did it anyway! This is illegal! Then today they froze my account and are saying they want my drivers license and bank statements and credit card info and SS number ; stuff they have NO right to see or mandate access to. I am the victim reporting fraud and they are making me out to be the criminal! I am trying to find a lawyer to take them on this is outrageous. i already live below poverty level and for them to do this to a XXXX woman who has nothing who has used them for two decades is absolutely abhorrent and they should have consequences. I want my money back and I will not provide them with any of that documentation and i want my bank info removed from their access. How can I get this done? 
They were just found guilty in a class action for some of this stuff like freezing accounts and no running statements three years ago, obviously they don't t care.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I was able to access XX/XX/XXXX, and XX/XX/XXXXcredit companies for my credit report. But Transunion said I did not answer the proper security questions and denied me my report. This is not the first time Transunion has denied me access to my credit information. Also when I log in to there website I gain access and it states I do not have a active credit freeze, but my report does. I call to talk to an agent and they confirm I have a credit freeze, then they try to sell me there protection services. I firmly believe Transunion is intentionally making it harder for consumers to access their credit report intentionally so you have to call in and they can pitch their sales products. The issue I mentioned with the credit freeze has been going on for more than an year, and still exist. If there is a true issue with security questions a consumer should be able to talk to a person and have the right to have security questions checked so there is no further delay to access to ones credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in XXXX to report inaccuracy with the following : XXXX XXXX Inquiry in XX/XX/2022, which i did not apply for. 

XXXX XXXX XXXX Inquiry, on XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I had applied for an fha mortgage was aproved and sent loan terms just for them to take it back from me because my credit score dropped below there threshold because of there inquires my score dropped from a XXXX to a XXXX
Product: Credit card

HI..I am XXXX XXXX XXXX on XX/XX/XXXX. My Ally credit card took my payment that I sent before my due date of {$120.00} in XXXX. And then took {$67.00} on my due date which was the XXXXwhich caused me to have a negative balance in my checking account.My bank reversed it for me and now they won't let me pay with my checking. I called them and they won't help and told me I could use a savings account which has almost no money in it because I am just making it with help from family at times.I didn't realize they would take out my recurring too because I already paid earl in the month. I am already in debt but have always paid on time. I think this is awful because I am deaf and no car anymore and can not get around. Today they said I can mail a check? This is Crazy and not right. 
Yours truly, XXXX XXXX I don't even want to pay them because the interest rates are killing me/
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ) I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

, ( XXXX XXXX. ) never gave ( Midland management ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.Nor have I ever been in a agreement or contract with them. My privacy is being breached! I DID NOT AND DO NOT CONSENT to you ( Midland management ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, A copy of the law is attached with this dispute. 


You also do not have any permissible purpose to furnish my personal information to any third party, 15 USC $ 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Midland management # XXXX
Product: Mortgage

Selene Finance Account # XXXX Selene Finance took over my mortgage less than a year ago ( I think ) Recently, I received a notification from XXXX, my homeowner 's insurance provider, about my upcoming annual premium. On three separate occasions, I called Selene Finance and experienced extended holds exceeding thirty minutes each time after asking to speak with a supervisor about my paying my homeowner 's insurance. Finally, on XX/XX/2024, I was informed that I do not have an escrow account and am responsible for paying my insurance directly. This was surprising as I was also incorrectly told that I reside in a condominium, which is inaccurate ; I live in a two-story house. For over 15 years, my mortgage payments have included an escrow portion for taxes and insurance. Despite my insistence I was repeatedly told that I do not have an escrow account. I stressed that I do have a escrow account and for 15 years my homeowner insurance have been paid by the mortgage company. Is advised the customer service rep that my insurance payment, as indicated by XXXX, is due on XX/XX/2024, and requested urgent escalation, but was denied. 
Subsequently, I was put on hold again, and another agent informed me that an email was being sent to the relevant department. I provided my insurance agent 's contact details from XXXX XXXX XXXX, XXXX, at XXXX ext XXXX. I was assured of a follow-up, which I have yet to receive. I reiterated the urgency due to the impending due date. I am seeking an explanation for the changes in my account details following the transfer to Selene Finance and require confirmation that my escrow is being managed correctly. My monthly mortgage payment is {$1500.00}, which includes contributions to both the mortgage principal and the escrow. I am requesting assistance as Selene Finance has not been helpful, and my confidence in their handling of the situation is waning. 
I need my homeowner insurance paid as it has been for 15 years. I also need information corrected that I don't stay in a condo.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request correction of inaccurate information present on my credit report maintained by TransUnion, as I believe it is in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I initiated contact with TransUnion to address the inaccuracies outlined below, yet to date, there has been no response from them. 

XXXX XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) : Dispute : I disagree with the reported balance of {$2500.00} and request correction to reflect the accurate amount. 
Request : Delete information regarding the Past Due amount as this account is closed and charged-off. Mark this account as disputed to prevent adverse effects on my credit score. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : Dispute : I question the reported balance of {$400.00} and request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

COLLECTION ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}, Original Creditor : COLLECTION ) : Request : Remove this account from my credit report as it does not belong to me. 

XXXX ( Account Number : [ Your Account Number ], Date Opened : XX/XX/XXXX, Balance : {$280.00} ) : Dispute : The reported balance of {$280.00} is inaccurate ; I request verification of the Date Opened, Date of Status, and First Reported.

Request : Do not report Past Due information as the account is closed and charged-off. Mark this account as disputed until the dispute with the creditor is resolved.
Product: Debt collection

Constantly calling my personal phone 20 times A day and then calling my job 3 times in an hour XX/XX/18 XXXX and XXXX XXXX from this number XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the XXXX XXXX XXXXXXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXXXXXX XXXX XXXX myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to XXXX and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for two disputes one for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for XXXX XXXX XXXX revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under XXXX and the rest of XXXX and Experian for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the FTC attachment. I would like for the UNAUTHORIZED inquiry that was made on XX/XX/2019 by XXXX XXXX OF XXXX to be removed. I would also like to be sent a updated credit report reflecting that these UNAUTHORIZED inquiries have been removed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXXXXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple efforts to reach out to XXXX XXXXXXXX for my XXXX XXXX XXXX  about the status of their inconsistent reporting on MY Personal consumer report! I have attatched proof of almost all details on the account reporting to multiple credit agencies The last time I reached out I was advised thee account was charged off for the amount of {$720.00} and written off. However they are still requesting I pay them. They need to send me a 1099 for the write off.At this point that means the account balance is my income and income Should NOT be reported on my consumer report under my circumstances. I have also sent a complaint to the attorney general hoping to have this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed several accounts on my credit report listing XXXX XXXX as the original creditor as XXXX XXXX and states that the account was opened XX/XX/2020. After contacting this company they recanted this information stating that the actual original creditor they are working for is another collection agency CAPIO PARTNERS, and that the original creditor is not XXXX XXXX but a hospital in XXXX Ohio. They were unable to give me an exact date of service, who the patient was. I have ever been notified by mail/phone/email/ or any otr correspondence prior to this 7 year old debt being placed on my credit report on XX/XX/2020. I've never been given the opportunity to dispute this debt prior to it being placed on my report. I've never contracted to pay any monies to Capio partners, it is my understanding this debt was purchased by them from unknown creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$8300.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX consumer and natural person, was denied credit by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX applied for a XXXX  XXXX XXXX XXXX XXXX {$52000.00} VIN : XXXX Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in XXXX U.S.C XXXX and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX the response I received. XXXX XXXX XXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Owed : {$990.00}
Product: Mortgage

In XXXX 2011, I was granted a loan modification on my mortgage with Bank of America. In the time since, I have paid my mortgage in accordance with that modification. Last month, I received a XXXX XXXX package with documents on Bank of America Home Loan letterhead and a cover letter stating that there was an error in the format of the documents and they were unable to be recorded at the county recorder 's office. The letter goes on to say that a representative from XXXX XXXX would meet me at my home to instruct me on signing the papers and notarizing them. I did not sign the paperwork. 
Last week, I came home to find a gentleman sitting in a car in front of my home. He said he was with XXXX XXXX. He handed me a letter which instructed me to call XXXX XXXX to schedule a time for a representative to come to my home. He then proceeded to take pictures of my home, and to ask me if I wanted to have a notary visit my home. I told him no and asked him to leave. 
I receive calls daily from an XXXX number. When I answer, no one speaks. I checked the number of the web and forums have shown that it is XXXX XXXX. They never leave a message, and never speak when I answer their calls. 
I am VERY concerned. I personally had my paperwork notarized back in 2011. I have not been able to reach anyone at Bank of America who can tell me what is going on. And given that it is now XXXX years later, I find it very hard to believe that it has taken Bank of America this long to determine that the mortgage was not recorded with the county. 
I feel that either this is an attempt by XXXX Services to get personal information or somehow execute a fraud -- or Bank of America is trying to backtrack on something that they have done illegally. At any rate, I 'm feeling very uncomfortable with the entire situation, and even more so now that someone has shown up at my home. 
Any assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021, I received a notification on my phone as well as an email indicating my payment declined ( {$19.00} premium monthly monitoring services ). I use a prepaid card for this account due to previous dealings with Experian over charging my card in the past. Well, nevertheless ... .I was like I'll just downgrade the services fir some of the " premium '' perks weren't needed. When I went to log in I was unable to fully get into my account. Experian will not let me log into my account until I pay {$19.00} for the next 30 days. I'm not sure why I can not fully log in and just downgrade the account. If the one of the monthly services is " FREE '' then why don't they just block or stop premium access and allow me to sign under that? The only thing I am worried about is the fact they, as in EXPERIAN will downgrade your credit score and unlock your report ( unfreeze-even if the freeze is supposed to be a free service to consumers ) if you do NOT pay the premium score. I mean I'm already fighting with them to remove to items that are out of date to be on my report due to Alaska FCRA rules but it's a no ein situation with Experian. I just want to be able to log in and change my subscription
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX