23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sold my home in XXXX, VA and paid off my mortgage on XX/XX/2020 with Weichert Financial Services. At closing, I had an escrow balance of {$4300.00}. The Weichert website reflected on XX/XX/2020 they mailed my escrow balance. On XX/XX/2020, after not receiving the check I contact Weichert. They claim they sent the original check to my sold address, but it had a valid change of address in place and I had been receiving my other mail with no issues. I went ahead and updated the address for them to mail the new check. They told me they would issue a new check and it should go out by Friday, XX/XX/2020. After a month of not seeing the check, I called Weichert again on XX/XX/2020 and told them that I had not received the check. They again stated they would mail a check. I asked for a wire and they declined to do it. I asked for mail overnight or at least with a tracking number. They referred my call to a supervisor. The supervisor, XXXX, stated they could not guarantee a tracking number. She could only submit a request and it would take 20 business days for the check department to receive the request and then some time before it would be mailed out. I do not believe they ever mailed the 1st check and they admit they never mailed the 2nd check. With XXXX  and weekends, it will be another 30 days, before I could possibly receive the check. It has now been over two months since I closed and paid off my loan and Weichert has failed to return my escrow money to me and was less than helpful when I called. It takes forever to get a person on line and I spend 1 hour and 11 minutes on hold yesterday, before I got to a supervisor. I am not an expert, but I feel this is a violation of RESPA and should be investigated. I am wondering if this is a common pattern with Weichert with other people that would warrant a class action.
Product: Credit reporting or other personal consumer reports

For the past three years, I have reported to TransUnion, XXXX, and XXXX on multiple occasions that someone has stolen my identity. I have contacted creditors about this and have gone as far as getting a police report. I asked all three credit bureaus for proof of authorization on these accounts and inquiries yet, but they will not remove the accounts or inquiries. I have shown proof that XXXX has reported that my information is on the dark web and being used, plus I have multiple letters from different agencies that my information has been leaked due to data breaches of their companies.
Product: Debt collection

Never received any type of letter or written verification that I owed this debt. Not even sure why I am being charged for this or what their reasonings are. Could not get a proper answer when asking what this debt is in reference to or what it covered and why I'm being charged. I was told that I was charged this fee back in XXXX but they have made no contact with me to verify this debt. They listed this as a collection on my credit report recently, 3 years later, out of nowhere. It just so happened to post right in the midst of me trying to purchase and close on a new home and this is now affecting my credit score. I have absolutely no collections on my credit profile and this is tarnishing my credit and preventing me from obtaining future funding and lending for my small business and personally. They have made no attempts at contacting me in 3 years and I've never signed any paperwork or agreements with this company, Stallings Financial, stating that I'm entitled to pay them any money. I've had no mutual agreements between myself and the other party at all. They are reporting this on my XXXX and XXXX account and I need this collection account removed immediately, as its tarnishing my credit profile tremendously. 

They reported this to my XXXX  and XXXX  profile on XX/XX/XXXX ... Stallings Financial ... Balance {$640.00} ... Dated XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that XXXX XXXX  was sending me an alert for a late payment to which I immediately signed in on Friday, XX/XX/2022, because I was confused as I have no debt. 

Prior to this event, I had problems with XXXX and their XXXX XXXX storage being billed ( {$10.00} ) to an XXXX by XXXX XXXX. It was a problem around the time of XXXX when my mother died. I didn't know how to pay the bill because I didn't know I wouldn't receive a paper bill. Still I fixed it with them and had them auto pay it. They convinced me to keep the card in the event that I wanted to purchase an XXXX product, I would receive 3 % off, so I agreed, but assuredly told them I don't use the XXXX XXXX and I didn't want it accruing charges when I didn't receive a paper bill. 

I noticed when I signed into XXXX XXXX it was that silly XXXX fiasco for {$10.00} to which I promptly paid it. Fast forward to today : My credit score fell from XXXX to 7 something, a ridiculous penalty for a {$10.00} charge. We all know how hard it is to get your credit report up XXXX points - and now - the only blemish on my report is this " late '' comment to which I wasn't even aware it was late because the XXXX  by XXXX XXXX is all on the XXXX, electronic. I never, ever go into the wallet app on my phone. I don't even need this storage they said I did. And I can not remember to pay this monthly on an app! And I told them this! They need to fix my credit report. They need to stop accruing this {$10.00} charge ; I honestly feel its a scam to ruin people. Heck, I give {$40.00} to hte XXXX man and go in and buy his dogfood and buy him shoes and I am going to ruin my credit for a lousy {$10.00} because of these people! Shame on them. I want this fixed. I had stellar credit that I worked really, really hard for.
Product: Debt collection

In XX/XX/2021, I filed an FTC report for identity theft and submitted it to XXXX declined to remove this item from their database in the amount of {$1100.00} The most recent update was on XX/XX/2021, which is incorrect. I also presented the AVANTE company with a challenge and they never responded. I'm not sure where this loan originated. I've always paid my payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please see attached XXXX Police Report Pages 1 -10 ; www.IC3.gov FBI internet crime Report pages 1-7, FTC report number I am a victim of a Grand Theft California Penal Code PC 487 grand theft level : felony. 

Google Play Account Holders falsely representing themselves as " XXXX Support '' and scammed me our of {$2000.00} on XX/XX/2018. 

Per XXXX Police investigation " Google Play '' has data access to track purpetrators and track transaction details to dispute and credit the {$2000.00} charges to include 1.The actual data entered by the user to get a Google account 2. The email for the Google account user 3. The IP address for the user regarding all transaction on the Google account including email purchases playing from remote devices etc. 4.The end IP addresses for all email and messages sent from google account users 5. The actual emails and messages and contents there of that were sent received 6. The physical location of the users IP addresses that Google logs for each search each purchase and any delivery 7.The type of purchases, products, services but through the Google account and any clues that might collectively provide 8. The type content and language is used including syntax of words and phrases search through any of Google search engines while logged into the Google account I have brought up all these issues to google play at XXXX they provided me with a report number but have failed to give me any sort of refund I am requesting and demanding an immediate refund of {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1681n Civil Liability for willful noncompliance Chapter XXXX Bankruptcy Case Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 2. FDCPA section 807 Violation Misleading False Reporting XXXX  XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX  XXXX Balance : - ; XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$500.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$200.00} Fraudulent Personal or Business Loan Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$400.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$650.00} Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1600.00}
Product: Credit reporting or other personal consumer reports

An alert from TransUnion came across my email to inform me that I had a debt collection being newly reported on my credit report. My credit report is in " frozen '' status which is supposed to prevent unauthorized information being placed on my credit report and states a security alert. I immediately opened my report to find a negative collection on my account from a collection agency. XXXX XXXX XXXX XXXX is listed as " Collection Agency/Attorney ''. However, XXXX XXXX XXXX XXXX NEVER provided written communication of this alleged debt. Thus violating my federally protected rights under FCRA, FDCPA, and UDAAP. I have no knowledge of ever contracting with XXXX XXXX XXXX XXXX. TransUnion has violated my rights by reporting information on my credit report despite having my account " frozen '' and violating my federally protected rights under FCRA, FDCPA, and UDAAP by obtaining my written consent/permission for the information to be listed on my credit report and in my credit file. As TransUnion is a repeat offender and recklessly and negligently injure and damage my reputation as a consumer, TransUnion should remit to me XXXX XXXX dollars due to their respective and repeated violations according to 15 USC 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, ONEMAIND add a hard inquiry on my credit report. On XXXX. XXXX, 2019, XXXX XXXX  XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurable or unverifiable accounts unresolved. The consumber financial protection bureau ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such XXXX failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting

So XXXX is reporting negatively on my credit report. Got in contact with TransUnion and told them that this company is n't to be trusted due to the inconsistency with this account. I filed a complaint with CFPB case number # XXXX against XXXX. on XX/XX/2016 they finally responded on XX/XX/2016 stating that they need a few more days. Today XX/XX/2016 is the 61 day and they have yet to respond. I want this account removed from my credit profile immediately. I do n't have another 60 days for the credit bureau to reinvestigate. Everything that they need will be uploaded with this complaint. If the credit bureau ca n't get this item removed within 15 days of receipt of this complaint I have no other choice but to file litigation against them. 
Per Section 611. Procedure in Case of Disputed Accuracy Reinvestigations of Disputed Information 1. Reinvestigation Required - If the completeness or accuracy of any item of information contained in a consumer 's ( applicant 's ) file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX  credit report without me authorizing their organization to view my credit history. 

This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX. 

This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. 

I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE The following inquiry is unauthorized : Made by : American Express Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that this unauthorized inquiry be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

On XX/XX/23, I opened a XXXX XXXX account with a {$100.00} bonus if I direct deposit {$1000.00} or more within 90 days. I immediately fulfilled this requirement but for some reason I received a letter from XX/XX/23 about a balance maintenance promotion. That was not the bonus I signed up for. The promo code XXXX was assigned to my account when I signed up under XXXX.
Product: Debt collection

Contacted debt collector that this is not my debt. I do not have a XXXX account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and Credit Corp Solutions need to stop attempting to collect money from me.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of 30-Day Late Payment from Credit Report Dear XXXX XXXX XXXX , I hope this letter finds you well. I am writing to formally dispute the 30-day late payment status that has been reported to the credit bureaus and is currently appearing on my credit report. The details of the account are as follows : Account Holder : XXXX XXXX Number : XXXX Paid in Full / Account Closed 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  I am requesting that XXXX XXXX XXXX remove this negative mark from my credit report for the following reasons : 1. Good Payment History : I have been a loyal and responsible customer of XXXX XXXX XXXX, maintaining a good payment history with timely payments over the duration of my account. This isolated incident does not accurately reflect my overall payment behavior. 
2. Unforeseen Circumstances : The late payment in question was due to unforeseen circumstances beyond my control. I am an active duty member and was on official travel when the late payment occurred. I have since taken corrective measures to ensure such a delay does not occur again.

3. Consumer Goodwill : As a gesture of goodwill, I kindly request your understanding and assistance in removing this late payment from my credit report. The negative remark is adversely affecting my credit score and financial stability, despite my overall positive payment history with your institution.

4. Potential Reporting Error : There may have been an error in reporting this late payment to the credit bureaus. I request that you review your records and verify the accuracy of this information. 

I also request a written confirmation from your company stating that the late payment has been removed from my credit report once the correction has been made. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the resolution of this issue. Should you require any additional information, please do not hesitate to contact me at XXXX. 

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

XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called XXXX XXXX, they said the would take care of it. I later called Equifax and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male XXXX representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of XXXX sending me bills month after month, asking for payment of a mortgage I don't have.