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

The bank that holds my mortgage is showing my account as 30 days late from XXXX 2017. I explained to them that it was an error on their part but they did n't reflect my account in good standing. I take pride in making timely payments and wou me appreciate your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquires on my experian report that show I tried applying for certain credit cards that I did not do. 

XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX -- Inquired on XX/XX/2020 XXXX. XXXX XXXX -- - Inquired on XX/XX/2020 XXXX. XXXX XXXX XXXXXXXX -- - Inquired on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXiry XXXX XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXXL XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX
Product: Credit card or prepaid card

I was charged to my Capital One Savor credit card in the amount of {$110.00} on XX/XX/19 with a charge showing as XXXX XXXX XXXXXXXX. I contacted Capital One ( CO ) when I saw the charge on my account to let them know that I did not authorize or recognize the charge. They temporarily credited the amount to my account and they claim to have conducted an investigation. They claim that the credit card was physically present at the time of the alleged transaction and that that makes me responsible for it. They charged the amount of {$110.00} back to my card on XX/XX/19. On the day of the original fraudulent charge I was in XXXX, XXXX flying home to the United States. The charge says XXXX XXXX on it, but I have never in my life been in XXXX XXXX. CO has been unable to provide me with an address and exact time that the card was allegedly charged. I cant even find an establishment with a name that matches any part of the charge name that is in XXXX where I was on XX/XX/19. CO does not have a receipt of the transaction, they have no signature from me ( or anyone else for that matter ) for the transaction, there is no itemized information about what the charged alleged service or good may be, and there is no name of an individual at the alleged establishment that is known. Honestly I dont even know if there is a human being associated with this charge on the other end and it seems like CO has no idea if there is either, and yet CO is still asking me to pay for it. I reviewed all other charges from my trip to XXXX and I recognize all others as authorized, but this one I did not consent for and do not recognize. I know for a fact that I did consent to any individual purchase of over {$100.00} on the day that I departed from XXXX. Furthermore, I did not have the credit card in my physical presence and eyesight the entire time I was in XXXX ( XX/XX/XXXX-XX/XX/XXXX ). I handed the card over to merchants on several occasions for them to run it through for other charges that I recognize ( like for a dinner or gas ). So, it is possible that at some point a person that I gave my card to then charged my card for an unknown and unauthorized charge unbeknownst to me. Also, I never received a written letter from CO stating the results of their investigation. They say that they mailed it but they didnt provide any delivery confirmation and I am still waiting for this correspondence today. In summary, I did not authorize this charge or receive any further details about the alleged merchant associated with the charge, and therefore I do not believe I should be held responsible for paying for it.
Product: Payday loan, title loan, or personal loan

From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I was victim of identity theft. Some accounts were opened, and managed without my authorization. XXXX, acct # XXXX. I have already submitted an identity theft affidavit, signed and notarized by me, as well as police report, and other supporting documentation, validating my claim. Equifax has chosen to violated section 605, as well as 611 of the FCRA, by not complying with my request. I did n't incur these charges, nor did I opened any of these accounts. I should n't have to pay for any of these. My credit is ruined due to some individual that has no remorse, and any ethics. I am now paying for this sins.
Product: Mortgage

Our former mortgager XXXX XXXX transitioned to our new Mortgage company Mid America Mortgage at the end of XX/XX/XXXX. I received a letter from the new mortgage company stating that they will report our mortgage as current in 60 days which would have been the end of XX/XX/XXXX. It is XX/XX/XXXX more than 90+ days and they are still not reporting our mortgage payments on our credit report. This has effect our credit and ability to refinance our home. I am told when a mortgage is moved over to another servicing company they have 60 days to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person, i am a living being, i have rights under 15 USC 1681. 
Acima is govern by 15 USC 1681 and they violated my rights numerous times. i demand the account listed below be removed because According to 15 USC 1681 : i have the right to privacy and i did not give Acima written permission to furnish these account Acima Digital charge off illegal and adverse reporting on my XXXX report Account # XXXX
Product: Credit reporting or other personal consumer reports

I have multiple inaccurate and unauthorized names and inquiries that I did not initiate or utilize on my credit report. Please block and delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX My only name is XXXX XXXX XXXX Everything else is unauthorized.
Product: Credit reporting or other personal consumer reports

XXXX  Capital One XXXX XXXX account, is over XXXX old and hasn't been removed off of XXXX XXXX report. This account has no balance and is closed, but should have been removed by now.
Product: Mortgage

I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. Identity Theft XXXX Account Number : XXXX Delete this account. 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX  XXXX {$7500.00} XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$110.00} XXXX/XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX  and XXXX fail to update my credit report reflecting the attached XX/XX/2018 forbearance letter. All credit reports show XX/XX/2018 as 90 days late and XX/XX/2018 as 120 days late on all four XXXX, which is inaccurate because I was approved for forbearance during this time as indicated in the XX/XX/2018 XXXX letter. Please instruct all credit bureaus to update my credit file as indicated with forbearance letter immediately. Thank you
Product: Credit reporting

Transunion is reporting a delinquent account that should not appear on my credit report and they have reduced my FICO and credit score based on an account that has been closed since XX/XX/XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened XX/XX/XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XX/XX/XXXX. I have not been a Direct TV customer since XX/XX/XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted DirectTV but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the Congress and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, KS XXXX SINGLE FAMILY all not mine filed to ftc XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1500.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms 1 Months On Record XX/XX/XXXX Payment History potentially negative icon Potentially Negative StatusCollection account. {$1500.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1500.00} Date XXXX Dispute Revolving Accountsshow tooltip button XX/XX/XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCredit card Balance {$440.00} Date XXXX Dispute XX/XX/XXXX/XX/XX/XXXXXXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance- Date XXXX Dispute Installment XX/XX/XXXXtooltip button XX/XX/XXXXXXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$940.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$24000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid in settlement. 
Account TypeCell Phone Balance- Date XXXX Dispute
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors, XXXX & XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you for listening.
Product: Mortgage

PHH Mortgage has been servicing our loan since XX/XX/XXXX. 
In XX/XX/XXXX we filed for XXXX XXXX bankruptcy. Immediately after filing PHH has been trying to force us into default and foreclosure. They ROUTINELY returned our checks claiming they could not read our checks thus we would have late payments attributed to our account! During bankruptcy they added charges to our payment and even though we made the payment plus the additional charges they NEVER credited our account for the charges. They claim we are two months late, however even with shown proof they we are not late, and our payments are current they keep dragging us into bankruptcy court so they could get a stay and assess late fees as well as any charges they see fit. 
Unfortunately, we fell out of bankruptcy prior to completing our payment cycle. Now we are getting harassing letters telling us when we are in default when we have a spreadsheet showing they have received all of their payments. In fact, they hold over {$2000.00} in a suspense account because up until recently we have always paid more than the minimum payment. 
They do not honor the statement they print on the monthly statement : *Partial Payments : Any partial payments listed here are not applied to your mortgage, but instead are held in one or more separate suspense accounts. Once we receive funds equal to a full monthly payment, we will apply those funds to your mortgage. 
During the COVID crisis we did miss one months payment. We applied for COVID relief from them! They NEVER responded to us or our bankruptcy attorney. 
We want them to do a forensic accounting of our account and get their house in order and quit harassing us and threatening default! 
We are considering consulting an attorney to assist in a lawsuit against them. We are also aware of numerous class action lawsuits against PHH Mortgage for excess fees and harassment.
Product: Money transfer, virtual currency, or money service

XXXX I tried to do a investment using the XXXX app. Then went to link my account with PNC to see that I cant due to some privacy policy change. I use XXXX  to save money and am really disappointed I cant.
Product: Credit card

In XXXX XXXX XXXX  XXXX I had a couple of house guest one or both of the may have got hold of my info and ordered cards I have since paid this debt in full and have been fighting to get this resolved
Product: Mortgage

DATE : XXXX/XXXX/16 TO : CALIBER HOME LOANS XXXX, OK XXXX RE : Information Request Mortgage Loan Number : XXXX To whom it may concern : I am writing to request the information described below in regard to the mortgage on my property at XXXX, Al XXXX. 

Please accept this letter under RESPA and/or TILA. 

Please provide to us an accurate, ITEMIZED, reinstatement amount for the above referenced loan. 

Thank you for your cooperation in this matter so we know our options on reinstating our loan and avoiding foreclosure. 

If you need to contact me to discuss this request, I can be reached at, t Sincerely,
Product: Debt collection

Dynamic Recovery Solutions XXXX XXXX XXXX SC XXXX attempting to collect paid pff debt from XXXX. This is not legal! FCRA states no collections of any kind may be made after XXXX years! The letters from them are false claims from XXXX years ago. These scumbags need to be put in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Mortgage

XXXX, EQUIFAX, and XXXX  each has reported a collection account including from XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) and any other putative creditor in connection with hospital care related to her minor children. All those medical services are required to be covered under California Children 's Health Insurance Program ( CHIP ). XXXX, EQUIFAX, XXXX and their medical professional agents fail to understand that as a patient undergoing non-elective treatment they are a ward under the physicians care. In other words, a baby rushed to the emergency room because of a XXXX XXXX simply can't receive a hospital bill later because the attending medical staff merely overlooked the health insurance mandate for children in the state of California and failed to enroll them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.