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

I contacted TransUnion online on XX/XX/XXXX to unfreeze my credit report so my lender could process an auto loan. During the process I was tricked into signing up for monthly credit monitoring and then received an alert from my credit card company that a {$29.00} charge was put on my account. I called TransUnion on XX/XX/XXXX and was able to cancel the subscription but they would not reverse the first charge of {$29.00}. I want a refund.
Product: Student loan

I do not owe this debt as the school I attended was based in XXXX and subject to the settlement. I attended XXXX XXXX University which was found through investigation to commit misleading business techniques to defraud borrowers. I am a XXXX XXXX XXXXXXXX clearly stated i wanted to take only loans I can discharge though the XXXX XXXX knowing this purposely gave me a private loan without my knowledge.
Product: Credit card or prepaid card

XXXX XXXX once again made an error on my statement that they're blaming on XXXX because they don't want to fix it. They keep telling me give us a chance, when I do I get XXXX responses such as the letter attached. I do not have any interest free purchases with them anymore. The 2 I had in XX/XX/XXXX should've been paid off with many payments made to them by now. Recently I get a statement from them showing 2 with very high balances & 1 low that should've been paid off by now! I went onto their site to dispute it even sending the same statement I've attached to show them all of the info. They sent me back a generic response stating I need to send it in writing! Email with attachments is considered in writing if I am correct! This is once again their way of refusing to handle problems. I told them I'd report the issue to you to force them to once again respond as I had to the last time they gave me the run around back in XX/XX/XXXX. They asked that I give them a chance, then I received the attached letter which is exactly how they avoided handling the issue before! I'm sick of this co. and have decided once they're paid off this acct. will be closed! I have no desire to do business with those that try to pass the buck and refuse to resolve problems. They don't need my business and neither does XXXX. Neither is really that good at figuring out problems or correcting them so the complaint will be against both co. 's. This way XXXX will see I had to file 2 complaints about the same issues against XXXX because neither wants to take responsibility for doing things right. I've made my payments on time, have used the card responsibly yet both co. 's just pass the buck to avoid taking responsibility and accountability. I've had it with both and will do my shopping else where. Neither is the only game in town and just gets worse as time goes on. I want this mess corrected effective immediately. If they don't I'll sue both until one of them decides to step up and do the right thing! I don't do the no interest deals anymore because they don't credit them back properly when I return something. So when I did the last $ 500+ purchase back in XX/XX/XXXX, it took me coming to you to get them to fix it, that was it for me! Now I see another huge no interest deal on here that I know for a fact I didn't do???!!! Nope! Not putting up with it anymore. I said it before that I would close the account but gave them another chance, now that is the intent with no turning back. Neither co. deserves my business with the horrific service levels provided over the last year and going into XX/XX/XXXX. I refuse to do business with anyone that can't provide top notch customer service. This problem better get fixed or I'll see both in court!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

Walmart/Capital One The law said it is illegal to report transaction history.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, I was informed by a third party that Elan Financial Services wanted my contact information with concern of a financial matter. I personally reached out to Elan Financial Services for further explanation. At that time, I was informed by Elan Financial Services that their records reflected myself as a responsible party for an outstanding debt of approximately {$11000.00}. Elan Financial Services, at that time, was made aware that I had no knowledge of this alleged debt. I then promptly requested a dispute of the matter, along with all relevant documents, and provided my contact information ( phone, email, and address ) as none was on file to provide the requested documents. I'm still waiting.
Product: Mortgage

This complaint applies to Nationstar Mortgage LLC. I pay my mortgage online, generally, except for a couple times when the website was not working. This past period ( XX/XX/2017 ) I received notice that my mortgage payment had been withdrawn from my account although I had not made any payment. I contacted the company via their secure email and inquired as to who had authorized an automatic payment. After a few days I received an email response telling me what an automatic payment was and how to sign up. They did not answer my question as to who authorized an automatic payment. Yesterday I received a notice placed on my door that I should call them. This type of notice is typically a prelude to foreclosure action. Given the litigation against all mortgage lenders and servicers concerning fraud, illegal foreclosure, and other criminal behavior since the mortgage meltdown and recession, I do not trust these entities including Nationstar. These outfits are basically fraudulent enterprises as is evident by all of the lawsuits filed. It is n't clear to me what their angle is, but they were NOT authorized to withdraw funds from my account.
Product: Credit reporting or other personal consumer reports

XXXX Credit report shows a car loan on my credit to a company called sensible auto lending. XXXX also shows my address in XXXX  for this auto loan. I have never lived in Maryland and I have never got a loan from sensible auto lending for any car ever. I filed a dispute with XXXX stating this loan is identity theft and is fraud. XXXX investigated the dispute and did not remove the fraudulent auto loan and the fraudulent XXXX address. I contacted the company at the address listed in XXXX and it is an XXXX dealership that says the company sensible auto lending has not been at that address for years. I called the phone number listed for sensible auto lending and it was not an operation phone number. I got my dispute results from XXXX saying the verified the information with sensible auto lending and did not remove it from my credit report. I now know for a fact that XXXX did not investigate the dispute nor did they receive any verification of the fraudulent auto loan and fraudulent address, because all the information listed for the company is not real and no company exist at the address and phone number listed.
Product: Credit reporting

My attorney requested credit reporting companies NOT to allow claims for which companies DID NOT have an original signed document obligating me to pay a debt, specifically intended to stop collection companies who may have bought debts from posting incorrect or inaccurate information. See attached report posted to my credit report which has a negative impact on my credit.
Product: Credit reporting

XXXX Account # XXXX Please delete this on my credit report. This has been paid and never use. 
I am trying to refinance my mortgage and it is really hurting my score.
Product: Bank account or service

Order of events:1 ) I was notified of Bank Branch closing ; I recognized no other branch was convenient. 
2 ) I entered Branch and asked to have my accounts closed immediately ; They stated completed. 
3 ) Fast forward to yesterday. Attempted to add my name to newly married wife 's bank account in a different state ; Told by bank that I owed money on old XXXX bank account due to auto pay against the account after my closure of it ... 
4 ) I was willing to pay the amount though I should not have to. They say account debt sold to XXXX XXXX. 
5 ) XXXX XXXX states 5/3 bank took back debt on XX/XX/2014. 
6 ) XXXX Bank says no such debt for me to pay them but refuse to do a document to me stating I owe them nothing. They state it is with XXXX XXXX now and XXXX Bank. 
7 ) Called and transferred around XXXX Bank about XXXX times including hangups with XXXX resolution from anyone including supervisors. 
8 ) Basically I now have an outstanding debt of $ XXXX to be paid to??? no one but it is a negative on my record that it is impossible for me to resolve. 
I would like to have this cleared from XXXX XXXX as no one can tell me who I owe this money to. XXXX XXXX swears that I owe them XXXX ....
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On today i have tried to talk to this lady with this company she was the rudest person that i have every talked to in my life. I have repeated to her several times that I have made contact with the insurance company and they have stated that they have deleted the claims off of my records but when i try to run my home insurance records they are still showing up. She insists on being rude to me saying that i don't know what i'm talking about and continues to place me on hold for 5 to ten mins just to for the sake of it. Her name is Mrs. XXXX and she works with XXXX and she is the rudest person ever.
Product: Credit reporting or other personal consumer reports

I reach out over the phone to XXXX XXXX XXXX, their reps had not a clue! What to " Do '' or Say!! I'm totally speechless!! As, I personally feel under attack by been informed by XXXXXXXX XXXX that Experian and XXXX XXXX XXXX has exposed my personal information out on the dark web! 
I received email of way that they can monitor my personal information! Huh so they can monitor my information but not protected it! " .WHAT A BEAUTIFUL CONCEPT '' ... SO, WHATS 'S REALLY HAPPENING. THAT MAKES ZERO SENSE TO ME ..BE SEEMS LIKE A REVENGE TAACTIC TO ME!! WHAT NEEDS TO FIX. I NEED TO KNOW, WHAT PASSWORDS NEED CHANGING
Product: Debt collection

I have a vacation ownership with XXXX XXXX. I received a foreclosure letter from a lawfirm without ever receiving any notice of a past due balance from XXXX. XXXX claims notices were sent to an old address ; however, all of my mail is forwarded from that address and I have not received any notifications. Went to the XXXX website to view my statements and no statements are available. I was told that because the account has been sent to foreclosure, I can not view any statements. So essentially, they are telling me I have to pay an amount I can not even review a statement for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom It May Concern, I am writing to dispute the following unauthorized hard inquiries on my credit report. I did not authorize these inquiries, nor have I had any financial interactions or applications with these companies. These inquiries appear to be inaccurate and should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are disputed : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These inquiries were not authorized by me and do not correspond to any accounts or applications that I have opened or initiated. As such, I am requesting that these inquiries be investigated and permanently removed from my credit report. 

Please provide me with written confirmation of the results of your investigation and a copy of my updated credit report after the corrections have been made. 

Thank you for your prompt attention to this matter. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve this dispute within 30 days. Failure to do so will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have applied 3 times and denied 3 times for a loan modification. Each time, the process has taken 6-8 months. I have been working XXXX jobs to try and save my home. The last denial I was told that I made enough but was too far in the arrears. I have sold my house 3 times. 2 out of the 3 times the buyer has pulled out because the short sale process was taking way too long ( we are all aware that it is a longer process ). I truly believe that Ocwen drags out the process - at least in the loan mods - so that you get so far in the arrears, nothing can be done. You speak to a different agent each time. One agent ca n't seam to find documents another agent has received. They are constantly saying that they do n't have documents when we have proof they were sent ( ask my Realtor! ) and they wait for your next phone appointment to tell you what 's needed instead of sending an email beforehand so you can have what 's needed at the next phone appt. I could have been paying something for the last couple of years. My house needs some work which I wo n't do because of the short sale. It 's an emotional roller coaster for me because I have been in limbo forever. They assign you a " Relationship '' manager but you get them maybe 1 out of 7 phone calls.I have been to every NJ State agency, Senators, written to the White House but to no avail. Would n't some payment be better than nothing? This is not help.
Product: Mortgage

On XXXX/XXXX/2016 I contacted my mortgage company to assess my options to address the unpaid balance for XXXX and XXXX. I completed all necessary paperwork request for underwriter to review. On XXXX/XXXX/2016, a third party person was sent by Wells Fargo to hand deliver to my home an envelope to ask me to call " Mortgage Company. '' The third party person entered my condo complex ( on the inside ) came up the stairs to my condo unit and hung on my door " The important '' Note. This scarred and frightened me that my mortgage company would hire a " thug. '' to come into my home. I was not at home, but when I came home I found envelope. The third party person did not leave their information. When I contacted the preservation specialist I had just spoken with 2 days earlier and completed all necessary paperwork, she could not give me the name of 'Third Party Person. '' All she could say is that they hard hired a " third party person '' to come to my home. Very very much afraid this person came into my home. My condo unit is shared by XXXX other person. My mortgage company put me and XXXX other people at risk of harm by some " third party person. '' I am very much afraid that they have done this to me. Please help as this does not seem accurate.
Product: Credit reporting or other personal consumer reports

I woulld like to dispute the following inaccurate accounts on my credit report. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$2600.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX stayed at my home, went to XXXX  to buy a phone, the man from XXXX said I needed to verify I had Internet at my home, which I did, I was told I would not be responsible for anything except my Internet as I was adamant about that! The phone was in XXXX XXXX name, when he failed to pay they sent the bill of XXXX to credence resource management and had it placed on my credit report. I was told at least 10 times by the XXXX representative that his phone would have nothing to do with me or my credit report as I asked him multiple times about any inquiries on my credit report. The bill was always in his name until he didn't pay they put it in my name and sent it to the credit bureau.i have tried contacting XXXX numerous times, but always got a run around. I feel like the XXXX  salesman performed fraud just to make a sale. I never purchased a phone through them nor would I ever! I always have had XXXX XXXX XXXX. And my XXXX wifi bill is always paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from Transunion as well as XXXX XXXX XXXX for wrong reporting of two hard inquiries dated XX/XX/2017. 

XXXX XXXX XXXX has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.
Product: Debt collection

I received a bill from see CmRE financial services for {$75.00} saying that the XXXX department of XXXX has placed my account with them for collection and I contacted the XXXX department of XXXX to find out that my account is in good standing and that they never placed my account with any collection agencies including CMRE
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all three CRAs and they refused to dispute or investigate the inquiries. Attached is a FTC report, indicating all of the unauthorized inquiries ( including the personal statement section ) that should be removed from my profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
Product: Payday loan, title loan, or personal loan

I had a loan with myloansite.com. I had issues paying the amount of interest and made an arrangement back in XXXX to pay {$100.00} mo. I have since paid over {$500.00} owed. The original amount borrowed was {$1200.00}. I made an arrangement to pay over 2800 as that was the best that they would do. This month due to the holiday my pay was in XXXX as opposed to the end of XXXX. I told them to take the money out on XXXX XXXX. They say I was to call again. So now they are saying I am in default, that I owe {$300.00} every two weeks and that I owe almost {$5000.00} and climbing. I can not do this! They will not assist and want more, almost 4 times what I borrowed.