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

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX, XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$33.00} XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

AceFlare let my account get hacked and instead of taking up for their long term customer they let the thief have my money. They let the thief or fraudster take all my XXXX check. I faxed them everything they asked for ; proof of my XXXX and XXXX records showing I was in the XXXX  during the time they claim these transactions were made by the thief/fraudster. They have no care that they made me homeless and can't pay my rent now because they gave my money to the fraudster/thief who hacked my account.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Amount of {$3500.00} -- Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

I was charged overdraft fees when I had overdraft protection program ( OOP ).
Product: Money transfer, virtual currency, or money service

PayPal - negative {$7100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$7100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
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. 
XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Second Follow up Request called several times no response containing delays Awaiting Respone from Executive Customer Respone team I am responding to your letter dated XX/XX/XXXX. 



In all my previous communications with you, I have not stated that I have retained legal counsel. Now, I am being told that I need to provide the details of an attorney when what I have requested is meditation and a proposed settlement for amount owed, after incorrect dues have been corrected, and the release of my title and once again this has not been addressed. 



Once again, I have not retained nor previously communicated that I have retained an attorney. I am further resubmitting my dispute. 

Please see dispute and details furthering from XXXX transaction details. I confirmed with my financial institution as directed that the {$870.00} was not in fact NSF as the answer I received in XXXX differs from the information and in XXXX. 



As a final resolution, I am requesting grounds of dispute based on the following : File : XXXX sent XX/XX/XXXX XXXX ) {$870.00} started additional fee accumulation from payment dated XX/XX/XXXX, for which Ally has stated " customer cancelled payment ', I have requested proof of this after confirming with XXXX XXXX, and it was confirmed that no such request was made by me, furthermore. I would like details regarding a request from me that I requested this payment to be returned. 

2 ) Payment history is illegible by printout XXXX ) Harassment from billing collectors, internationally and locally up to 5-6 daily from all different numbers, this is not allowed and borderline abusive to this extent. 

After multiple requests of stopping these calls, yet again today on XX/XX/XXXX, I received a call from XXXX XXXX ID XXXX. 

4 ) Delays of response per request via phone /supervisor XXXX ) Many months were spent since XXXX to request reply from supervisor, approximately two months ago I also requested Online Blog support to assist with rectification of this matter & this is when I finally got a reply as of XX/XX/XXXX from Executive Customer Relations Dept . 

6 ) Mediation total amount paid per contract My dispute is regarding outstanding fees accrued from multiple incidents over the duration of this auto loan. I am requesting a refund of fees from XX/XX/XXXX fees accrued, the additional fees charged after towing vehicle once payment terms had been negotiated, paid and in current payment plan and also if there is a preposition to settlement amount of TRUE outstanding balance once I have received a ledger that is clear and legible. The full research and exploration starting from the initial fee of {$870.00} needs to be conducted to clarify and justify the findings for the last 6 years outstanding which as a consumer is unacceptable. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a hard credit inquiry on my XXXX  credit report on XX/XX/2020 during a routine check with my credit consultant. On XX/XX/XXXX there was a request for my personal credit profile. I then called the headquarters of CBNA to speak to a agent to discuss the matter, it was stated to me that there was no information to provide me with that proves a application request for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not my accounts they are FRAUDULENT Im not the XXXX  XXXX XXXX e.g XXXX XXXX, I dispute all of the accounts listed below as FRAUDULENT ACCOUNT XXXX/XXXX {$2200.00} # XXXX/JOINT ACCT, XXXX XXXX  XXXX XXXX {$1300.00} # XXXX, XXXX XXXX XXXX XXXX {$390.00} # XXXX AS FRAUDULENT ACCOUNTS and the Inquiries are disputed as FRAUDULENT Inquiries as FRAUD XXXX XXXX XXXX-XX/XX/XXXX &XX/XX/XXXX, XXXX  XXXX, XXXX XXXX, XXXX , XXXX  XXXX and the FEDERAL TAX LIEN # XXXX XX/XX/2017 {$31000.00} I DISPUTE ALL OF THE ABOVE ACCOUNTS AS FRAUDULENT.
Product: Payday loan, title loan, or personal loan

During the past year as a Lending Point customer I have encountered many problems. The due dates, payment amounts, and late payment information has been inaccurate and still is. Lending Point has failed to update it's systems and that that resulted in an erroneous negative late payments being reported to my credit report, harassing phone calls, and extended wait times when calling to report and correct the issues. 

Recently Lending Point has changed their web site to include a 2 % transaction fee on all payments made via their web site. In an attempt to avoid this exorbitant new charge I recently called to make a payment and now they charge on all phone payments as well. With the payment amounts the 2 % fee can be very expensive, My average payment to Lending Point is {$1000.00}. This would mean an additional {$20.00} charge just to make the payment.

Working with Lending Point has proven to be very difficult and they do not have the customers financial success or future in mind. Lending Point continues to create obstacles that obstruct payment ease, accurate payment amount and due date information, and consumer friendly access to accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed XXXX Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/202XXXX XXXX XXXX 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/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I tried to get my previous held student loans from XXXX removed from my report. I had other XXXX loans that were removed after I applied for the XXXX XXXX program like they were supposed to be. Somehow 4 XXXX loans remain on my credit report even though all my loans were sold to XXXX and XXXXand are in good standing. I have disputed this information twice to no avail. They refuse to remove it.
Product: Mortgage

With previous complaints, I have just became aware that I am being reported as XXXX to 120 days late on my mortgage, as far back as XXXX but I have proof showing payment for some of the alleged missing month up until XXXX, when my payment was declined due to the type of card i was using then rejected for not being enough. Also due to the missing XXXX escrow money it was made known on their record line that until the missing money was returned I would not pay the month they lost it and I just missed XXXX because the said last time I tried to pay in XXXX that they would not accept my monthly amount, only full amount past due
Product: Debt collection

Someone from XXXX bank called our house looking for my husband and said they sent court summons to attempt to collect a debt and did not. We do not know about any XXXX debt or line of credit. They threatened to attach my wages being his current wife. No attempt to reach us has happened and they said it was a debt from 2001 They wanted me to settle over the phone for 9800.00. giving me a case number of XXXX. My husband has no knowledge of this debt unless his ex wife took it out. The phone number was a dispatch dept. XXXX
Product: Debt collection

ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me.

I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with GM FINANCIAL, 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 GM FINANCIAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and GM FINANCIAL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Product: Debt collection

XXXX XXXX XXXX have acknowledged that they made an error in reporting a delinquency in payment and delay in moving out from the apartment due to a failure in taking my name out of their active tenant list. I have proven I terminated my lease and vacated the premises at the end of the lease term on XX/XX/XXXX with prior notice submitted in writing pursuant to the lease agreement. 

Apparently, I was still listed as an active tenant for XXXX - XXXX during the period I was living in my newly purchased home. A collection agency by the name of Source Receivables Management subsequently pursued collecting efforts for the amount of {$18000.00} that resulted in a negative impact on my credit report on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that was removed from my credit report according to XXXX XXXX. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my XXXX XXXX account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for Equifax to remove these and keep them off. Please advise.
Product: Money transfer, virtual currency, or money service

Blockfi.com has taken my cryptocurrency and is not allowing me to withdraw it. They are to file for bankruptcy and I do not want them to pay off their creditors with my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report CB Indigo XX/XX/22 Ive attempted to make contact by mail and phone. Ive received no response by mail. Phone calls are consistently disconnected.
Product: Credit reporting or other personal consumer reports

I have contacted Experian several times to remove a fraudulent mortgage account with XXXX XXXX from my credit report. Experian stated the account was verified as accurate and that it belongs to me. This information is incorrect, and I requested a method of verification from Experian and they still have not provided it to me as I requested.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am having some serious problems with my Regions credit card account. I have been making my payments online on time from my XXXX XXXX XXXX  account but for some reason it is getting lost in the process. I just recently noticed that when I make my payment online using the Regions bank payment portal XXXX XXXX XXXX  shows up as two separateaccounts, or should I say two separateinstitutions but the same account and routing numbers. Maybe this is what's causing the problem with my payments? I have included a screenshot of what it looks like when I make the payment. today I realized that my credit report is saying that I'm two payments behind and I have made payments on time since this account opened. If I need to repay that's fine but I do NOT want any negative marks on my spotless credit especially not now while I'm preparing to buy a house. Please help me to resolve this issue as soon as possible.
Product: Debt collection

I was contacted by a Lockhart, Morris & Montgomery rep and  she threatened boldly me by stating " if i didn't pay back or give them some money they was going to damage my credit '' so i could not get nothing using credit this approximately happened around XX/XX/XXXX or XX/XX/XXXX of last year. I'm not sure what this debt is and they did not validate this debt.
Product: Mortgage

Home loan/Mr Cooper ( Nationstar ) I purchased my parents home in XXXX of XXXX after they passed. My loan was taken over by Mr Cooper in XXXX of XXXX. My paperwork was being processed by the XXXX XXXX County Assessor 's office for my change of title. I qualified for parent-child transfer ( Prop 58 ) in XXXX of XXXX but my file was not complete due to the pandemic. The assessor 's office sent me a letter that I qualified for prop 58 but no one was working in the office. I was told to continue paying any tax bills because I would be reimbursed by the Assessors office eventually. This put my property into reassessment. Mr Cooper changed my loan payment from {$1300.00} to {$2700.00}. I paid this amount for 6 months. According to statements {$1500.00} was to be applied to escrow, which they did not do. The office put my escrow account into the negative {$11000.00}. I tried contacting Mr Cooper several times but no one would help. I would start working with one rep then no reply continuously.

XXXX  Assessors office finally did the reassessment and started sending my payments back to me. Mr Cooper finally ran an analysis but my loan payments were not being lowered so I contacted mr cooper and they said I needed to pay {$5700.00} to cover the negative balance but once they ran the analysis I would get it back. I've been trying to work with them but no response. I submitted a complaint to XXXX XXXX on XX/XX/XXXX but they said they can not audit Mr Coopers escrow because they are their own entity. MR Cooper did send me a refund for a tax payment they submitted in error. But now they are going to raise my loan payment in XX/XX/XXXX from {$130000.00} to {$1400.00}. They change my loan payments whenever. Statements sent to me show interest charged for {$4800.00} and a charge of XXXX XXXX, which last year the charge was $ XXXX.These amounts are about the total they owe me. I have been dealing with these problems for over a year. I've contacted two lawyers and they can not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of 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. 
Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXXBankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX