23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

An agent called me last week, asking me to pay this debt in that right moment. I was trying to explain her that I dont have this amount available this day. Agent was not open to negotiate and begin to threath me telling me that we will meet at court on XX/XX/XXXX, I asked her to send me the notification by email to make proper arrangements at work and with a lawyer but she skipped to. She just continue threathing me, speaking outloud and never take time yo hear me. She used an innapropiate way and language
Product: Credit card or prepaid card

Glass roof of ongoing push by credit reporting agencys to keep credit scores under the XXXX score to prevent people that recieve moneys from us goverment programs under the poverty leavel poor and with low scores, even inXXXX wien i paid all owed and due to my creditors they blocked payments of charge-offs and took nevitive action after that ended-up being denided credit for decades as a lawfull us citizen, they would update right befofe it was to fall off my report keeping it on report or sell it from agency to agency to keep it on my report even the ones from early 1990 's that they forced me too pay XXXX XXXX fee for XXXX XXXX credit that they later made illegal, updateing was a way they delayed posting timely payments HELP HOSEST POOR UNEMPLOED XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was open with my information i tried disputing it several times and asked for proof they never send proof and keep making me make payment on this account that doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is the ONLY company that will not remove the fraudulent XXXX XXXX  off my credit report! XXXX has! TransUnion also has done NOTHING to remove all the numerous inquiries that werent mine, false personal information that wasnt mine from my identity theft crisis a few years ago! I have tried snd tried multiple times and the last complaint I filed with you against them they did nothing stating that my report snd requests were unclear! XXXX!
Product: Debt collection

I was admitted into the hospital back in 2014 and a doctor who seen me while I was in the ICU kept sending me bills. I called up XXXX XXXX XXXX and gave them my insurance information again. My insurance paid the bill and XXXX XXXX XXXX placed me in collections. I called up the collection agency and they are saying that they have no record of the collection account. When they are the ones who are reporting the account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All  XXXX    Credit    agencies failed to respond appropriately to Attorney 's demand letter, ignoring the subject and disregarding the statute of the fair credit act. Experian willfully disregarded the letter on 3 more occasions responding with generic letters attached herein. In the process, Experian sent 4 different credit reports on 4 occasions. It came to my attention that Experian is willfully granting access to and business entity for no " permissible purpose ''. The report Experian sent me clearly cites credit inquiries totaling 13 that all state reason for inquiry as " Unspecified ''.    I called Experian and asked about this - they told me " Entities who have Certified to Experian they have a " Permissible purpose '' can have my credit no need for anything in writing or for Experian to verify my signature or consent.     Based on that premise, an entity upon making a request for my credit or any consumer credit can then certify - " No Specific Reason '' when asked why they want my credit. And according to Experian, no reason at all - this is " Permissible Purpose '' for Experian to hand out my credit report and personal information on demand to anyone who pays them. On the occasion of my credit report Experian mail to me, Experian gave out my credit for " unspecified '' reasons on different  13  occasions.     None of these occasions supported or authorized by myself - the consumer. I would like to seek compensation for ever time Experian has breached the act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/OLDNAVY and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/OLDNAVY and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SYNCB/OLDNAVY with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Product: Money transfer, virtual currency, or money service

I set up automatic payments with an approval for {$1500.00} with SLS.net ( specialized loan servicing ) a mortgage provider. 

They changed the amount to debit from my check account. Without prior authorization from me. 

They changed the amount to debit to XXXX which is a 36 % increase to my payment without my prior authorization. 

There is no reason they should have modified my account by 36 % nothing else comes out of the debit other than my mortgage payment itself. My taxes, insurance, hoa, etc is all paid by me throughout the year as it is due.
Product: Credit reporting or other personal consumer reports

THERE IS INQUIRES ON MY REPORT I DON'T RECONGNIZE OR AUTHORIZE
Product: Credit card

I paid Apple on a debt through my online banking, along with another credit card. It posted on XX/XX/year>. And still hasn't posted to my account. Yet the other credit card posted to my card on XX/XX/year>. I did an online payment with Apple linking my bank account to my card and the bill posted as received with in an hour to my account. I don't understand the huge delay with paying my bills through my bank, which has the potential to hit me with late fees. Yet every other debtor I pay gets their money in a timely manner. It is all done electronically. Yet when I link my banking to Apples credit card it posts as received almost immediately. As of the writing of this ( XX/XX/year> ) six days later my money still hasn't posted to my Apple account.
Product: Mortgage

This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank Information - Preauthorized Checks - JPMorgan Chase, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.
Product: Credit reporting

Tradeline was disputed multiple times and each time came back as verified. Acct ... XXXX. I would like to know the name of the person Experian verified with each time, the dates, the address, and the phone number used. The number on the credit report is not even a working number. I have gone to the courthouse and this judgement is not a recorded judgement. The people at the courthouse have also informed me that they have never had a credit bureau call them and verify anything..on anyone. They also said that they do n't report to the bureaus so it 's not them reporting and verifying.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$84000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.
Product: Mortgage

The new mortgage company Freedom Mortgage which my mortgage was sold to, did not make payments to the homeowners insurance company and then sent me a letter to tell me that my mortgage requires insurance and I need to provide them with one as soon as possible. I tried to reach out to them via phone but nobody is available at all times of the day. Left my number for a call back as well and nobody called me. How am I to resolve this issue which they caused when I can never reach them? I am not sure what else to do to reach somebody and speak to a representative.
Product: Debt collection

On around XX/XX/XXXX I sent communication to Respondent by letter involving a credit card balance of {$15000.00} account ending XXXX ; cease and desist, affidavit of truth, debt validation, invoice. respondent  recieved mail on XXXX XX/XX/2021. 
On XX/XX/XXXX, Respondent sent Old statements, cover letter, and the respondents disclosure policy. 
Respondent has failed to perform after receiving the presentments from myself XXXX XXXX XXXX has failed to perform by providing the neccesary Proofs of Claim after receiving Presentments and have chosen to dishonor me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple disputes with Equifax regarding accounts of my credit report that are fraud and they keep coming back as verified even though I have gave them identity theft reports and other documentation they will not remove the information from upstart, XXXX XXXX, XXXX or XXXX I have even provided them with court documents I have even called on XX/XX/2023 and they told me they couldn't tell me how they were verify the account that the computer was automatically sending it back verified those accounts
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw inaccurate accounts on my credit report. I check my credit report often, but this time, out of nowhere, there were issues that shouldnt be there. I thought it might be a browser glitch, so I refreshed it, but nothing changed. The inaccuracies remained. Im asking for the documents Ive submitted to be fully reviewed, so I never have to deal with this stress again.
Product: Checking or savings account

On XX/XX/XXXX I wrote my maid a check for {$80.00}. She deposited it on XX/XX/XXXX at her bank, Wells Fargo,XXXX XXXX, XXXX XXXX XXXX XXXX Fl XXXX XXXX. Wells Fargo sends letter to my maid on XX/XX/XXXX saying check bounced, refer to maker and charged {$12.00}. I called my bank, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX, and they said the check cleared their bank on XXXX. My account had {$80.00} deducted from it. I went into my bank to talk to customer service. They said the only thing they could do is refer it to a XXXX XXXX XXXX researcher, case # XXXX. The researcher called me 3 days later and said there is nothing XXXX  XXXX XXXX can do because the check cleared. I told my maid and she called the manager at her Wells Fargo Bank to relay this information. Wells Fargo said the check bounced and there was nothing they could do. I have documents showing the {$80.00} left my account in XXXX XXXX XXXX on XX/XX/XXXX and the Wells Fargo Bank letter saying my check returned unpaid [ bounced ]. My XXXX  account averages a monthly {$20000.00} balance for the last 15 years. [ I have had an account for over 40 years and only credit cards I use are from XXXX. ] I am concerned that this is such an obviously simple problem and the banks do not know how and/or are unwilling to fix it. What if the check would have been {$8000.00} instead of {$80.00}? I would be forced to file a lawsuit for damages and attorney fees. These banks are regulated by the federal government. All banks doing business in the U.S. should be made to take care of simple basic errors in banking and not subject their customers to spending their valuable time and money correcting these simple mistakes. IF U.S. NATIONAL BANKS CAN NOT TAKE CARE OF THIS SIMPLE PROBLEM, IS THIS A SAFE PLACE TO PUT YOUR MONEY.
Product: Mortgage

I have a mortgage that was modified in XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX program. I was promised a " Borrower Incentive '' of {$83.00} per month accrued as a monthly benefit to my mortgage loan to reduce principal and to be applied each of the XXXX through the XXXX anniversaries of the month in which the Trial Period Plan was executed ( XXXX XXXX ). 
Although the incentive has been applied it has not been applied in full for any of the anniversary dates other than XXXX. 
The loan was originally modified by AHMSI, American Home Mortgage Servicing Inc, then went to Homeward Residential and now is with Ocwen. 
I can see documented and the Incentive applied as follows : XXXX/XXXX/XXXX {$910.00} ( Homeward Residential *attached ) XXXX/XXXX/XXXX {$830.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$910.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$1000.00} ( Ocwen *attached ) XXXX/XXXX/XXXX {$5000.00} ( Ocwen *attached XXXX Treasury additional incentive applied on 6th yr anniversary ) https : //www.makinghomeaffordable.govXXXX I am unable to verify the Incentive was applied in XXXX, the first anniversary and the first Incentive payment due, and most of the amounts that have been applied do not equal the Borrower Incentive as promised. 
I have asked my mortgage company for details and have been unable to find resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D  ). 
The specific information is not accurate. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers that are not mine that I need removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and these addresses and inquires are a result of this crime. Equifax is reporting fraudulent addresses and inquires : Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called CHIME on Saturday, XX/XX/2023 @ XXXXXXXX XXXX. and inform the CHIME representative to stop a money transfer in the amount of {$760.00} because I realized that I am being scammed. She advise me that she will and the payment will not go through. When I check my account again on Monday, XX/XX/2023 the money transfer went through and then I was told that they will open an investigation and my money will be credited back to may account. 

I have called several times about this money transfer in the amount of {$760.00} and the CHIME representative keeps telling me that they will investigate and I will be issued a temporary refund, a few days later I receive an email stating no refund and the claim ( DISPUTE # XXXX - {$760.00} ) is DENIED. I called again and then I was told that the full amount on XX/XX/. Today ( XX/XX/XXXX  ) I receive another email stating that the investigation has been done and no money will be refunded - DENIED. My account is currently at - {$22.00} because I will not put any more money in the account. 

I need my money back because if it was XXXX they would have place a stop payment immediately on the transaction. 

Please help Thank you
Product: Credit reporting or other personal consumer reports

All 3 credit reporting agencies have reported a fraudulent XXXX  on my credit reports, first of call no Court in the United States furnishes information to a credit reporting agency such as XXXX, Transunion or XXXX, so how did they obtain this false information? 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

15 USC 1681b In general Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 USC 1028A Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose.

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report.

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to. 

XXXX  XXXX XXXX XXXX Filed on XX/XX/year> Reference number : XXXX XXXX : XXXX XXXXXXXX XXXX GA XXXX
Product: Mortgage

Our mortgage is included in Bankruptcy and payments are being made through bankruptcy filings.

A large tree fell on garage causing damage. Homeowners insurance issued a check for repair in amount of {$8400.00}. This check was written out to homeowner, homeowners girlfriend ( insurance in girlfriend and the homeowners names ) and mortgage servicing company ( Fay Servicing LLC ).

Mortgage servicing company states to endorse check from insurance company and send to mortgage servicing 's Loss Drafts Department.

We were assigned an Account Manager who sent out a packet of forms to be filled out and returned and requests for o the her paperwork. All items to be received by Loss Drafts Department prior to issuance of partial release of funds for repair.

Two Account Managers later, multiple requests for duplicate paperwork and endless unreturned emails to Account Manager, we still have not received any of repair funds so garage repair has not been STARTED.

The damaged occurred on XX/XX/XXXX Its now XX/XX/XXXX. This mortgage servicing company has multiple complaints from other customers pointing to issues with getting funds from them for repairs.

They are holding the money hostage from MY insurance company for repairs on MY property.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you