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

I received an alert that I had a 30 day late on my mortgage and I have never been late. the amount they are claiming is not even the amount i pay monthly. also, I have been in with mortgage company and dealing with an appeal about this and it is still going on but I have still paid my mortgage on time. I want this fixed immediately with all bureaus The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements that may apply to your situation. ... Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic.XX/XX/2020 I am not late!!! see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got 6 credit alerts of new inquiries that i never made. 
XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Synchrony XXXX XXXX XXXX XXXXXXXX XXXX  And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. 
I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX  I am submitting this complaint myself. The items are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required XXXX  verify for themselves, but they failed XXXX  neither verify nor update me about these complaints. 

( XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX )
Product: Mortgage

Paid off loan to Nationstar Mortgage when we sold house. The loan was in my parents name XXXX and XXXX XXXX. We all lived at the property as it was a house plus inlaw house. My parents passed away and were removed from title on property when they XXXX passed. My wife and I were also on title from beginning of loan as we all had put money into the house when we bought it. Death certificates were all filed and we continued paying the mortgage and paid off the mortgage note when we sold house. The escrow was closed with proper death certificates through our title company. A couple of months later we received mortgage payment refunds XXXX separate checks close to {$7000.00}. The checks were in the name of my parents even though house closed and there names were off everything. We called title company nationstar expressed returned checks and death certificates ( have copies of everything and a signed signature of acceptance by mortgage star from USPS express mail of documents and returned checks. Nothing since we closed escrow in XXXX. Funny thing can not talk to a manager can not get back to escrow dept. We could not of closed escrow without all paper work and death certificates being in order. All we keep hearing is need paperwork ( death certificates sent in they do not have paper work. ) Called constantly say they will transfer and you just get hung up on. I am executor of my parents will on and the bank wont even take there checks because my father is on the check and he died over 10 years ago ( his death certificates were filed also ) Help. I have all paper work. I just want my overpayment from them ( which they calculated incorrectly and we had almost a 90 day close because we could n't get a payoff statement from them!!!! Which cost us even more money. )
Product: Credit reporting or other personal consumer reports

I read about the data breach of XXXX accounts at a background check company. Therefore I immediately tried to Freeze my credit reports so that no one can abuse my credit through identity theft or other means. 

- XXXX credit freeze worked. 

- XXXX made me create an account but asking me to access my credit report rather than Freeze my credit as I was requesting. Then the website asked me to call them - and when I called, the phone IVR asked me to go back to the website. 

- XXXX XXXX was similar. Online Freeze led me to create an account but did not Freeze my credit. 

- It seems Experien and XXXX  systems are not updated to protect consumers and they are giving us a run around. 

Please help.
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.

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 whic
h 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: Debt collection

I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them
Product: Checking or savings account

I had stayed at a few hotels using the referral service XXXX XXXX. I paid had a confirmation and was set for my stay. Upon arrival the hotels refused lodging claiming I had to show proof of where I would be going next. I was also charged for these stays that were denied upon arrival. I reported this to Wells Fargo whose answer was to close my account because of the hotels fraudulent use of my debit card.
Product: Credit card

I was notified by email from Synchony bank on XX/XX/XXXX that a {$1.00} fee will be charged effective XXXX XX/XX/XXXX on my Care Credit Card on any balance over {$2.00} if I did not convert to going paperless with my account which is forcing me to put myself at more risk online with pertant information of my financial status. I totally object to this because I believe that I cant easily have access to my information to backup any problems that might occur with my account. Having the paperwork with my notes on it would be the only proof that would stand up in a court case. I am being forced to trust the internet to save the bank money! Not acceptable & I want to know if the government actually is going to agree with the banks doing this to everyone. Synchrony bank so far is the only one I know of doing this, and I several credit cards from other banks and none of them are doing this! Please advise me of a course of action to remedy this situation! I am definitely not happy about this! Thank you for your time. I know this sounds frivolous but if one does this and gets away with this, the others will follow soon!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Equifax multiple times disputing incorrect items on my consumer report and each time I dispute they have either not responded or just updated these items as verified without sending me the method of verification or validation. I have also sent Equifax multiple disputes regarding unknown fraudulent inquiries on my consumer report. I feel my rights are being violated and that Equifax is not following the law when it comes to my consumer report. Equifax has assumed a role and without my written permission and has been adding accounts to my consumer report. I never gave Equifax my consent to have my information or to share my information. Equifax has wronged me due to its negligence and willingly and knowingly continuing to participate after being instructed to remove these items. Here are the account and inquiries that i have been disputing. These are the accounts XXXX XXXX, XXXX XXXX, XXXX -, XXXX XXXX, XXXX, XXXX. These are the inquiries XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

XX/XX/ a purchase of a XXXX product was made and funded via AFFRIM ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund AFFIRM and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and AFFIRM aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. Affirm said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with AFFIRM who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing AFFIRM asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM AFFIRM THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following account have violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries reported in my name due to identity theft, pursuant to the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ). I am a victim of a data breach and have been affected by unauthorized accounts and inquiries that have appeared on my credit report without my knowledge or consent. 
The following accounts should be blocked and deleted immediately as they were opened fraudulently : Accounts to be Blocked and Deleted XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8400.00} XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$4300.00} XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXXXXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$1900.00} XXXXXXXX XXXX  : Account ending in XXXX, Opened on XX/XX/XXXX, Balance : {$6400.00} Inquiries to be Blocked and Deleted XXXX  : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX ONEMAIN : Inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 am so confuse about this situation. TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections XXXX & XXXX for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts BLOCKED or REMOVED ASAP!!! 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}.
Product: Mortgage

You are awesome! You helped me refinance with my mortgage company!! 
The mpi or pmi dropped after the refinance. Is there someone who I could contact in regards to lowering my insurance premium with a fha loan. Any help you can give me would be appreciated. 
One more thing. I make advance principal payments after I pay my mortgage and some how a payment ends up in escrow! I have spoken with my finance company before about this. Several times actually and to no avail they continue to put extra payment in escrow! 
Thank youXXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX  / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me ( the patient ). The matter closed with a XXXX  balance. 

This erroneous error must be removed by Transunion in accordance with the FCRA. 

Thank you.
Product: Money transfer, virtual currency, or money service

I transferred money from my bank account to my PayPal business debit card and my bank shows the funds were taken ( XXXX ) $ but PayPal says the transaction is still pending when my bank says they released the funds to PayPal already. PayPal says it should be in my PayPal account by the XX/XX/2019 and upon checking it was not there. I am being bullied by PayPal cause they know I need my money. They keep trying to withhold my money from me by making it appear that my bank never released the funds when they did Already and my new balance reflects this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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: Debt collection

XX/XX/XXXX Account XXXX XXXX XXXX XXXX original owner Capital One vs. XXXX XXXX My goal is to omit this debt on an account I NEVER opened or knew about until I checked for issues regarding the XXXX Data Breach last year. XXXX XXXX XXXX and the original owner Capital One are becoming criminals at this point. I have tried calling, certified letters, the CFPB, and other avenues to no avail. The printed documentation is well over an inch thick. The list is lengthening regarding their negligence on this matter simply because I am the little guy. It took over 14 reply letters alone and several agencies to even receive the requested validation items on this account. Capital One can not even supply me with the original application for this account that was opened under my name without my consent. 
Abbreviated Correspondence List Below : Five CFPB complaints ( ignored ) Two FTC dispute letters ( ignored ) Two validation letters ( ignored ) Received 20 and counting unreliable and incomplete reply letters from Capital One and misc. companies regarding this account.

I sent several dispute letters to all three credit bureaus, which ( successfully removed all debt from the credit agencies ).

Recorded Audio : I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX wanted to demand me to pay with no credit report incentives. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
Capital One can not provide me with the original online contract. However, they had stated that all of the information was correct. How would they know if they do not have the documentation to refer to? This sort of fraud leads me to believe that there is NOT the correct information in the original appliacation. However, now we will never know. 
The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed on this account. The debt for this account had increased due to interest and charges not of my neglect. A {$120.00} payment with the terms requested is above and beyond an acceptable amount for this account. 
Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) Reply letter Capital One this letter said nothing and was incredibly stupid regarding nothing meaningful about the account again. They opened an account without my knowledge then sold it to different entities. 
XXXX XXXX XXXX 's reply letter was the same regurgitated letter they always send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX XXXX for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  - XXXX XXXX XX/XX/XXXX - {$XXXX} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.