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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX APTS ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I requested an investigation for accuracy of my consumer reports and XXXX responded to me on XX/XX/XXXX that this informationfoXXXX XXXX XXXX XXXXXXXX account # XXXX was reporting accuralty and they verfiied it with the creditor. However, I have found the reporting of the late payments XX/XX/XXXX and XX/XX/XXXX are reporting inaccurately. I have attached proof. 

As per the FCRA, XXXX failure to reinvestigate is an intentional and negligent FCRA violation. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, I am due {$1000.00} per violation :
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had account with XXXX XXXX XXXX they just started report a charge off account on all three of my credit reports which is hurting my score. I have disputed with all three bureaus. I have previous found other people accounts on my report. want the account deleted. I have attached two copies One from Experian reporting and one from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have several inquiries from equifax that dnt belongs to me
Product: Mortgage

My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. XXXX XXXX XXXX XXXX of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Product: Mortgage

XXXX XXXX in your letter dated XX/XX/XXXX you state " community loan servicing will stop stop accepting mortgage payments after XX/XX/XXXX " is that a false statement? 

XXXX XXXX Community Loan servicing makes money when they service these types of loans a couple of months after XXXX XXXX issuance of a check for {$2200.00} you abruptly transferred this mortgage to another servicer tell me the original date that you started preparation to transfer this mortgage on XX/XX/XXXX Additionally starting XXXX of XXXX you backed into approximately XXXX mortgage payments going back XXXX  months where did you get the {$840.00} to make those XXXX mortgage payments Show me the transaction history from XX/XX/XXXX through XXXX of XXXX
Product: Student loan

I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Experian XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX  lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time rangeXXXX 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: Bank account or service

Chase strikes again. My wife and I were at XXXX and tried to reload our XXXX cards with {$25.00} through our XXXX apps, her using the main account we have and me using our joint account. We 've been doing this for a year and a half now on these same accounts and same cards - nothing has changed. Well, the app kept giving us an error that the system was not available, so we each tried to load funds 3 times because it sounded like a connection error. We could n't get it to work and finally paid with cash. Right after we leave I check on my Chase app and we each have XXXX PENDING TRANSACTIONS FOR XXXX DOLLARS EACH, BUT THERE ARE NO FUNDS AVAILABLE TO EITHER OF US ON OUR XXXX CARD. We immediatley called Chase customer service. They feed us the bs line that it 's for our protection and convenience. How is it convenient for us to not be able to use OUR MONEY and have them DEDUCT MONEY FROM XXXX OF OUR ACCOUNTS WITHOUT US GETTING THE GOOD OR SERVICES AND HAVING TO SPEND HOURS WITH THEM ON THE PHONE WAITING FOR OUR {$150.00} IN CASH TO BE RETURNED TO US? We have had it with Chase. We 've opened another account and will empty these accounts and then never use them again. They are despicable and XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to make a purchase at a XXXX XXXX in XXXX, CA around XXXX. The amount was for {$100.00}. I knew I had enough to cover that amount but when I used the cash card associated with the wallet it was declined. I opened the app to see what was going on and I had enough money however there was a message stating they had closed my account. I also had received an email which I will attach. Supposedly some transfer of funds, of which I had not done any, any time recently, went against some policy. They refuse to explain what allegedly occurred and they will not reply to any emails and they do not answer their customer service phone. They pretty much hide behind a wall. The email states for me to withdrawl my funds to a debit card or bank account. I have tried 3 different cards and the only bank account I have that can receive that type of a deposit are all denied. On Tuesday XX/XX/2021 I decided to take another route of which has proven helpful with other incidents and companies. I used XXXX. I did receive a response. They said they were limited in what they could do, told me to add a debit card or bank account that had not been associated with a XXXX account to with drawl my remaining balance. As mentioned earlier, I attempted to add such methods of which 2 debit cards should not have been ever associated with closed account. Now no one will respond to me and I still have not received my money. It's not much, {$53.00}, but I desperately need it to pay rent, phone or food. I will possibly be out on the street because of this and am just asking for what is rightfully mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Checking or savings account

I tried opening a cash app account and as soon as I entered my information they closed my account stating I did something against their terms and regulations. When I tried speaking with someone they told me there was nothing they could do due to lack of information on the account.
Product: Debt collection

Midland credit management company is a horrible company. threatening to put a judgment against me. XX/XX/2021
Product: Mortgage

Carrington Mortgage Services , LLC took over our mortgage from XXXX in XX/XX/2022. The account # is XXXX. We made our 1st payment to them XX/XX/2022 online for the regular payment amount. Then I sent in a check for principal only, and put that on the front of the check, for {$1300.00} and sent with their payment voucher and put that amount in the principal only box. They took that payment and treated it like a regular payment. I contacted them XX/XX/2022 when I discovered the mistake and was told it would take 5-7 business days to correct. 

I sent in our next regular mortgage payment XX/XX/2022 online and they have just put it in a suspense account. This should be been treated as a regular payment. 

On XX/XX/2022 I sent in a payment of {$700.00} for a shortage of escrow and they did post that correctly. 

XX/XX/2022 I sent in a payment online for the regular payment amount of {$1200.00} plus additional principal of {$710.00}. I don't know why they posted the regular payment amount to principal. They messed up this payment as well. 

I am fed up with this company. They are rude, and are misappropriating our money. I am afraid this is going to affect our credit score negatively. This is an absolutely TERRIBLE mortgage company. I have never had such terrible service. 

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

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Continues to inaccurately report on my credit. Sometimes three to four times monthly. And my bank reports once a month. My score would go up and down at least a few times a month. Im thinking its XXXX profiling on behalf 9f this company. Been having issues with them for years now.
Product: Debt collection

account number XXXX Consumer Number : XXXX Provider account # XXXX XXXX Our records indicate someone placed two FRAUD transactions with XXXX XXXX XXXX XXXX brand ) in XXXX XXXX 2022, the total amount are {$52.00} and {$100.00} which were blocked by credit card fraud system automatically. 
2/ After receiving the Fraud alert text, I reported to credit card company immediately those are not my purchase. 
3/ I contact XXXX brands company and reported those two FRAUD transactions, and they agrees to remove it. 
4/In the XX/XX/2022 we received a collection mail from XXXX XXXX XXXX. in the XX/XX/XXXX again I contacted the XXXX brand collection department ( XXXX ) to reconfirm those are not my debt, and they agrees it. 
XXXX XX/XX/2022 The XXXX XXXXXXXX XXXX XXXX has removed this fraudulent account and balance. 
6/ In XX/XX/2022 I have received the letter from National Recovery Agency for the same amount.
Product: Credit card or prepaid card

on XX/XX/2021 a mattress that I ordered online from XXXX XXXX was delivered at my home and left at my front door without my permission and without my signature.When I arrived home I found the Mattress soaked with rain seeing it was left outdoors .I tried for months to resolve the issue with the retailer XXXX  XXXX XXXX XXXX XXXX.with no success .they refused me a refund and would not honor their online return policy, or the state of Fl laws regarding returns.My complaint today is against the Synchrony Bank who I have a XXXX XXXX  Store Card .when I reached out to Synchrony Bank with my concerns they denied me any help in this matter and simply sided with XXXX XXXX without any relevant explanation .I paid off this account because I didnt want to jeopardize my credit score.I asked Synchrony Bank to ask XXXX XXXX for a receipt verifying that I signed for this delivery as proof .But the rebuffed my request provided me no proof of anything and basically rubber stamped what the retailer did.So to reiterate a delivery was made to my home from XXXX XXXX in inclement weather left at my front door without my signature, when I reached out to the retailer I was denied a refund and when I filed a dispute with Synchrony, the denied my dispute giving me no relevant reason or no corresponding paper work that I requested from the retailer showing my signature or any paperwork where I okd a drop ship I was rushing home to receive the delivery I never dreamed they would have just left it outside.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX USAA received a check in excess of {$22000.00}. On XX/XX/XXXX they applied the payment to a loan we had with them and have held onto an excess payment of over {$10000.00}. 

They filed me the hold would be 15 days. They are claiming the date started from an email on the XXXX congratulating me on the pay off. 

This is in excess of how long this bank can hold on to MY money. I want the money to be released immediately so I can start to relocate my assets to another bank
Product: Credit reporting or other personal consumer reports

I am writing again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, XXXX and XXXX have removed these accounts from their records. 

I have also directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is crucial to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, in line with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Mortgage

We refinanced our primary mortgage with Citibank and the servicing company XXXX XXXX XXXX in XX/XX/2021. Citibank did not shut down the ACH payment on the old loan so a full mortgage payment was taken out 2 days after the old loan was paid off - a clear overpayment. XXXX  on instructions from Citibank did not refund that to me but rather applied the full amount to the new Escrow balance and we now have an overfunded Escrow balance. Citibank never asked my permission for this, and was unable to provide any explanation or accounting for this. Thankfully XXXX has been able to explain and track the funds and offer me a refund but only after multiple calls and no help from Citibank. The bank acts as if they are the customer - it was their choice to outsource their servicing to XXXX not mine. They have not communicated, asked permission or been able to provide any accounting on what happened to a mortgage payment that should have been stopped but for their incompetence.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my banking app for Direct Express to check my balance. I noticed some unusual pending charges. I called the bank right away and tried to dispute the charges, but because they were pending I could not open a dispute. They told me they could cancel the card and issue a new one. I received the new card late on XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I could not dispute any charges because while waiting for the new card my account was suspended and they could not look up any of my information. I called back on XX/XX/XXXX and opened a dispute on all the charges that had posted even after my card was suspended on XX/XX/XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX {$16.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX {$18.00}, XX/XX/XXXX XXXX XXXX  XXXX XXXX {$15.00}, XX/XX/XXXX XXXX XXXX {$300.00}, XX/XX/XXXX XXXX XXXX {$50.00}, XX/XX/XXXX XXXX XXXX 's {$9.00} ). They opened a fraud case and sent me a form to fill out. I received the form on Friday XX/XX/XXXX and it stated they needed it back by Wednesday XX/XX/XXXX to continue the investigation. I filled it out and sent it back Priority Express 2 day mail. I received a letter on XX/XX/XXXX stating they finished the investigation and did not find any fraudulent charges and would not reverse the charges back. 

I have not traveled to XXXX XXXX any time recently. I do not have a XXXX XXXX nor a XXXX XXXXXXXX XXXX anywhere near me. I told them this but they still choose not to consider all the charges fraud.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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.