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

I have sent certified letter to transunion, also spoke to over 5 reps, and was instructed to contact each company pertaining to these fradulent/unauthorized inquires ... everytime i contacted the company who allegedly pull my report they inform me they have absolutely no accounts for me and can not provide a letter for bureau because its nothing pertaining to me they can write, informed transunion of what was told to me, was on call for 48 mins requested supervisor then all of sudden phone hangs up, call back again get diff rep, he had nerves to say no matter if FRAUDLENT or not they stay on report and said i could contact the BBB frustated asked for supervisor instantly, had me on hold 30 some mins then phone drops again! 3rd call asked for special handling spoke to supervisor XXXX or XXXX stated was removing inquiries, XXXX XXXX, XXXX XXXX and transunion report inquires still there despite being told deleted, i was a victim of XXXX breach and XXXX XXXX scam. These inquires should not be on my report! XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX this is extremely frustrating when i cant walk into a phyiscal office and resolve this matter asap. I even had fraud alerts and other credit bureaus already deleted when i sent letters of dispute and verifications
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written experian over a year on something as simple as eliminating addresses in my file, that are not related to me. i a m a XXXX XXXX and when they pull my credit it looks like im hiding something, or lieing to the dept. why is something so simple a XXXX time consuming project. who are these people with all this power over our lives, we cant do anything about
Product: Mortgage

The company put several ( XXXX ) hard hits on my credit and still refused me a loan. Since then, another company denied application because of the hits. Why did my credit get hit so many times?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information INDIVIDUAL BANKRUPTCY DISCHARGED CH - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below account with Experian Credit agency. The below listed account was opened fraudulently. I submitted both an FTC report and Police report for the account and Experian refuses to remove it.
Product: Mortgage

On XX/XX/year>, I submitted a request to my mortgage loan provider, Newrez, for a forbearance on my loan due to a short-term loss of income and to complete process for my PMI to be remove from my mortgage which I was working with my previous provider before Newrez bought my loan. On XX/XX/year>, I received a call from Newrez ( XXXX ) loss mitigation specialist, XXXX XXXX. He called to make me aware they receive my paperwork for forbearance and that he was going to ask me some questions to finalize the process. I spoke with him for 20 minutes. He went over that I was approved for my forbearance due to loss of income and that my PMI would be removed starting in XXXX. I was told to call him back because he was my point of contact in " late XXXX '' to restart my payment on XX/XX/XXXX and to get my owed payments deferred. On XX/XX/year> I received a notice from Newrez that my mortgage was in default and 60 days late. I called XXXX XXXX and left a voicemail on XX/XX/year>. I didn't receive a call back so I called again on XX/XX/year> and left a voicemail. I didn't receive a call back so I called the general line to Newrez to ask about the status of my loan. I spoke to a representative that told me it doesn't look like forbearance was approved and XXXX XXXX would call me back at XXXX on XX/XX/year>. On XX/XX/year> at XXXX, I received a call from XXXX XXXX and spoke to her for 24min. She made me aware that XXXX, mistakenly put my status as no longer needing forbearance so that is why I was receiving letters. XXXX resubmitted forbearance paperwork and let me know I would pay my next payment on XX/XX/year> and the money owed would be put on the back end of my loan. Additionally, they don't see my payments for XXXX and XXXX that I made. XXXX was paid on XX/XX/XXXX according to my bank records at XXXX and XXXX was paid on XX/XX/XXXX according to my bank records at XXXX. 
My current status is Newrez at reported my payment history to credit bureaus as 90 days late, they're claiming they didn't receive 2 of my payments that show under my bank activity, my PMI still isn't removed, and they're not submitting the forbearance paperwork they approved.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Chase for mishandling a dispute and chargeback from a merchant, leading to unethical practices. 

Last month, I made a purchase on XXXX for a vacuum cleaner. The seller explicitly mentioned free returns and a no-questions-asked refund policy. However, upon receiving the product, I found it to be not worth the {$180.00} XXXX paid, especially considering it is being sold in XXXX for only XXXX XXXX, a significant difference. When I requested a return and refund from the merchant, they provided only a return address without a prepaid return label, leaving me with no other option but to involve my bank. 

I complied with the banks requirements and provided evidence for the dispute. Chase subsequently handled the case and initiated a chargeback from the merchant. However, today I discovered that they have deducted the same amount from my account again. It appears that Chase is attempting to make me pay for this amount while benefiting from the chargeback scheme. 

I request your intervention in this matter and urge you to take strict action against the banks behavior. 

Sincerely, XXXX
Product: Mortgage

Issue # 1 LoanCare just acquired this loan from XXXX They never send me any mail information to my address I had with XXXX. 
However, my payment was on auto pay with XXXX and never had no issue with them. 
since Loancare acquired I been having some many issues. 
loancare purchase my loan and with in the first 2 months they report me late 60 days then went ahead and called, spoke to a rep some many time and some email I send them they will not give me wherever information they have about me in they system I went ahead instead I give them my information that I give to XXXX. 
I gave my credit card information to set up auto pay and pay the 60 days " late '' i asked the costumer representative many time to make sure this will not impact my credit score she said " no you are not late yet '' gave my credit card information to pay new account with loancare Charged for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
However, LoanCare reported my mortgage 60 days delinquent. 
I called LoanCare and was told to send this email in order to have this mistake corrected they refused to fix my credit report. 
Please help correct this error right away as i need my credit score accurate in order to finance a car. 
Issue Number # 2 Loancare REFUSES to pay For my insurances for the property. 
Property has XXXX units XXXX different property address with the same parcel number. 
I also talke to them many times and they keep saying we are sorry we only purchase XXXX unit and that what we are unsurance. the property is XXXX unit and XXXX units attached they will not pay for the insurance of the XXXX units attached. 
the Property has been with out insurance for the past 8 months. 
Thank you for your attention to this urgent matter,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX XXXX Account # XXXX 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 an account without my written instructions.
Product: Debt collection

My wife and I moved out of our apartment Over a year ago at XXXX in XXXX Texas with the permission of the apartment manager. We paid all fees associate that were requested and provided the manager XXXX XXXX with a copy of my wife 's orders. Now as we return back to the United States we are purchasing a home to find out the apartments management company sent us to collection and we do not owe anything. We are thinking this is a fraud account. When calling the collection company we We're informed that the debt was from the XXXX after we left and perhaps it could be fraud but they refuse to remove it from our credit reports.
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 U.S.C. 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 


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 : States a consumer reporting agency can not furnish account without my written instructions.
Product: Payday loan, title loan, or personal loan

The loan was for {$2500.00}. I have paid over {$6000.00}. The rates change all the time. I believe this is a shark loan. I am getting harassed by their collection agency. I stop all payments from my accounts because their taking more money every two weeks. I paid another {$600.00}. I getting calls all day at work from a XXXX XXXX at XXXX four to five times a day. The calls started on XXXX XXXX. She said she will not get off the phone till she receives a payment. The collection agency XXXX XXXX XXXX XXXX. and there email XXXX. The loan was take out XXXX XXXX. The max of interest they can charge in New Mexico is 35 %. I paid way more than 35 %.
Product: Credit card or prepaid card

I have contacted the company and ask for my 26.99 % interest rate to be reduced. I pay on time and have a good credit score. 

I can not pay down the balance with this abnormally high rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the card company XXXX uses to offer financing for their services. XXXX is out of compliance with their card postings. As you can see, my payment was made on XXXX XXXX at XXXX, but the submission to the credit bureau was made on XX/XX/XXXX. According to the CARD Act of XXXX, which is a federal regulation/law, card payments made by XXXX must be posted on the same day. XXXX is breaking a federal law with how their payments are being posted to accounts. 

I am submitting XXXX documentation of my payment history, along with my time stamped payment, which should have been applied on XX/XX/XXXX.
Product: Credit card or prepaid card

Ok so bank of America won't credit the money that someone had blatently used on my XXXX card I have tried to XXXX it twice this isant like 20 bucks it's almost XXXX rollers I have a police report as well that I sent them so I feel like they just pick and choose who they want to help.
Product: Credit reporting or other personal consumer reports

TRANSUNION WILLFULLY AND KNOWINGLY, are Violating my rights. 
They removed a fraud account in XXXX XXXX ( XXXX ) that did not belong to me. 
Then they later reinserted it a month later. WITHOUT proper reasoning and proof of verification etc. 


In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 
Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

XX/XX/2021 XXXX I really, really upset of what Remitly fixed my problem. So this morning, I got the notifcation from the Remitly app said that I'm transfering money, but I didn't do anything, so I guess that was a fraud. So I immediately went on the app, and I saw that the hacker transfered {$40.00}, {$500.00}, and {$1500.00}, and the hacker were about to transfer {$960.00} but I quickly cancelled it. Next thing, I reported to Remitly, and they said they will have a team to investigate my case. After few hours, I got an email said that my account got locked due to unusual activity, then I called them and they said they will try to get a money back. Few minutes ago, I chatted with Remitly again to see how's it going, and they just said I need to dispute a transaction from my bank. Why can't they just call me, or email me what I should do quickly so I don't have to waste my time waiting for them. They just gon na told when I asked. And they also the one has responsibility because they let hacker did into my account and transfer money somewhere, XXXX. I really really angry about this one.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX XXXX XXXX aka XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased ( round trip tickets, instead the return trip was cancelled ) and no adequate compensation was provided for cancellation and alternative flight arrangements. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.
Product: Debt collection

On Saturday, XX/XX/2020 at XXXX, a third party collector called me, reaching me on my cellular smart watch. The collector asked to speak with my father by name. I searched for and found my father, whom spoke to while I held my arm up so he could communicate through my smartwatch. She identified as collector at that point, and I let her know she was in violation of the fair debt collection practices act by reaching me on my smartwatch to collect from another party. 
It is my belief that she was aware this is not his phone number, and made this call with the intention to harrass and humiliate him by contacting another party whom did not have any interest in his debt. Furthermore, she contacted me on a cellular line, for which I am charged monthly to receive calls, which I also understand to be a violation of section 808 of the fair debt collection practices act. She also did not notify me upon calling me, that she was calling to collect a debt, unlawfully concealing the nature of the call. While I understand a collector would not want to release that information to a third party, I would counter that a collector should not, in that case, contact a third party. Had she identified herself as a collector at the beginning of the call, I would have simply asked her to reach her client at their own phone number and not my phone number.
Product: Checking or savings account

I received a call claiming be from bank saying I was eligible for a {$8000.00} loan if I wanted to increase my credit score I thought it was legit sighn loan then they told me I was XXXX point short of the loan and if if wanted boost my credit business bureaus would deposit {$900.00} into my bank America account I would have to send it back via XXXX XXXX XXXX I did that bank called me and said one more step bank would deposit funds into my account I would have to return it via gift card I have loan of {$7000.00} in my account within XXXX min of complete my verification I also gave them my bank info I thought they was legit bank bank America notified me suspicious activity I call them lady said your victim of bank loan scam you are bank from use our services before could say anything else she hung up on me everybody from bank America employees all hanging up on me which make me think there apart of it I think it wrong for bank America ban me punish me when basically Im victim of being scammed I have all documents that took place of scam bank America dont want see it told me not go police report I did anyways Ive been with bank America approx 20 years this is how they treat customers I feel this is so wrong for them to do to me
Product: Debt collection

My name is XXXX XXXX, I am submitting this complaint without any influence from any third party or agency. Please see attach documents/ID as it contains my full complaint and request.
Product: Student loan

Attempts to contact Discover Student loans took place on XX/XX/XXXX, XXXX, and XX/XX/XXXX. My concern is that the company is ignoring me without any concern for my personal consequence as a result of their error. Those consequences are accrued interest on principal paid, bank fees ( 2 )  due to Discovers unauthorized withdraw from my account totaling {$58.00}, and personal distress as it has been over a month without resolution to this problem. It is unacceptable that a giant company such as Discover can treat me this way after profiting so much from me. 

On XX/XX/XXXX a student loan payment was made directly from a bank account. The website which is suppose to reflect the payment immediately reflected an incorrect and less than authorized amount. 

An additional payment was scheduled within the same week taking into account the reduced prior payment as acknowledged by Discover. Days later the original payment for the full amount requested not the reduced amount listed on Discovers website posted to my account. This caused the second payment made later in the week to be short and incur the fees mentioned above. These payments were intended to pay the loans in full. " Coincidentally '' this issue has never occurred prior to my first attempt to pay these loans in full. 

Each time I called Discover to resolve this issue I was assured of full consideration and a return phone call. On XX/XX/XXXX the only progress that had been made was the payment scheduled on XX/XX/XXXX was applied to the loan " correctly ''. I was also told that none of my other concerns as a result of this incident had been addressed at all. I have still not received a phone call from Discover to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing wrong personal information on my credit report there's alots off different names all misspelled my address show 's up incorrect there alot misinformation about my self accounts and for months I been trying to get it fix I been turn down because off my credit report.experian, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX # XXXX is reporting a late in XX/XX/2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.