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

I have multiple attempts of credit inquires that was signed up but I do not recognize signing any of these credit inquires so I would like them to be removed from my credit history if possible. 

Date Company 1. XXXX XXXX, 2017 - Discover ( Finance ) 2. XXXX XXXX, 2017 - XXXX ( Finance ) 3.  XXXX XXXX, 2017 - XXXX XXXX ( National Credit Cards/Airlines ) 5. XXXX XXXX, 2017 - XXXX ( Bank )
Product: Mortgage

Mortgage company changed their address on XX/XX/year> but never sent out mail about this to me - Mortgage payment checks were mailed ( Billpay ) to the old address. Penfed collected these 2 checks ( XXXX and XXXX ) and never cashed them. - When I called getting a late payment notice- they told me it was the weather in XXXX in late XXXX. I went through my bank to cancel the check- took 2 days so I could resend payment to them. This payment also failed- got a notice on XX/XX/XXXX. with an additional fee attached. 

Applied a late payment of {$75.00}. Called and still never told of an address change. Called the bank - and checks were never returned to the bank. I had to cancel this check for XXXX also. 

Called a third time, this time, I was told of an address change to a new mail box in XXXX from the old one. Told me the notice was posted on their web site and never mailed to payees. I have no reason to go to their web site- just pay the bills with BillPay. 

Since the mortgage payment checks were never returned to the bank, ( I because I called ) They had access to their old address also. They intentionally were letting defaults in payments to occure. 

They gave me false reprenentation about thire address change and tricked me by rejecting my payments, charging me {$75.00} and dinging my credit history. Also created a big hassle with them and my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never lived at these addresses below. I sent police affidavit over 2 years ago, to delete any unknown, inaccurate addresses from my file. This is inaccurate information and I need it deleted or else I will sue this company. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ..how can I live in so many places at the same time! This is crazy!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm trying to apply for a personal loan, they state the I have a credit freeze on my account.
Product: Debt collection

On XX/XX/XXXX I received mail dated XX/XX/XXXX from Transworld Systems , Inc trying to collect {$1300.00}. Company could not produce any contract I signed for XXXX XXXX. Their company buys debt from others looking for revenue. I received no phone call or letter. Most companies trying to collect debt in Maryland from Delaware and Pennsylvania offices are frauds.

My information was either sold or obtained fraudulently by this Creditor operating in the most discriminatory areas on the XXXX XXXX. I do not owe Transworld Systems, Inc. Someone sold my information without authorization or this company tracking my credit score. I do not have use XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Disputed inaccurate late payments with Equifax for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 60 days late ) *XXXX  acct XXXX $ XXXX ) XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 60 days late ), XXXX ( 60 days late ) & XXXX ( XXXX late ) *XXXX  acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ). I never received dispute results or how this information was attained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, XXXX, & Equifax I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company of helping to buying homes ran my credit by error when they put my information instead of someone elses information. This happened on XX/XX/2019. I called them to find out what happens to why I had my credit score checked and they said they had done it by accident. I told them I wanted my credit check to be removed. It is still there.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of recent.CFPB lawsuits, highlighting significant issues with the platform. despite using Zelle numerous times and reporting discrepancies, my financial institution in Zelle have failed to investigate adequately They informed me that recovering loss funds was impossible. And tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Product: Credit card or prepaid card

Manual adjustments by your fraud department were done to this account upon my requests at the end of XXXX. This allowed me to make the overpayment because she didnt get her work correct. When I made payment in XX/XX/XXXX for XXXX this amount is not correct and more than what was really owed. 

Note I have never made a single purchase on this account!! You stated I purchased over XXXX dollars? What date and place was this at? Please provide me with this document or direct me in the ledger to where this is possible. 

Your last correspondence stated credit refund checks ( 2 ) this money was returned to the bank XXXX XXXXYou yourself came to the correct amount ( almost ) actually owed to me. You deemed you dont owe this money to me please explain why? 

Rectify your companys error. Fraud mangeXXXX XXXX XX/XX/XXXX admitted he seen this error. My account was never reviewed for correction. You closed the account instead. 

The ledger is clear over all months if you cant see this with your intellectual abilities and arithmetic skills alternative means of collection will escalate and proceed. You keep simply blowing me off your behavior is as experienced with Bmo unethical and abusive. 

XXXX break it down XXXX I owed the bank for XXXX. I payed XXXX. I retrieved XXXX on my own from improper interest charges. Leaving XXXX owed to me. Clear simple math.
Product: Checking or savings account

I've been a member of citizens Bank from the beginning of the year XX/XX/year>. I started an account with a {$300.00} bonus for opening up an account. Unfortunately the bank said that I was not eligible for the rewards and kept the money. My account XXXX XXXX XXXX  ever since then I've been missing money out of my account and nobody 's taking the blame for it. I deposit {$500.00} into account from my extra anchor anchor check and plus I deposit my energy check of {$500.00} from XXXX XXXX XXXX XXXX Checking my account the {$500.00} is not showing on my account neither one big reverse all the charges. And built me {$170.00} overdraft. If you check my account you'll see that is plenty of overdrafts and plenty of mishaps on my account that makes me think that they have confiscated my money. Talk to the branch manager and some of the employees regarding the incident and my money being refunded to me and had no luck. They denied that this is the case and that they do not owe me any money. But they owe me about {$370.00} that came out of my account that that is not counted for that you can not see but all my money is gone and they trying to put me in to collections saying that I owe them XXXX overdraft balance on my account. The account is closed still I want my refund for my balance on my account which is XXXX that belongs to me that they did not pay me for and that's not including the bonus. If someone can help me with the situation to figure out what they did to upset my account and discharge me from my account I will truly appreciate it if I get some results and get some of my money back Yours truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, received a letter from XXXX XXXX XXXX and XXXX XXXX XXXX  decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( XXXX, Transunion, XXXX ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report included fraudulent student loans that were unpaid. I filed a police report and sent a letter to equifax. ( My information was included in the equifax breach in XX/XX/2017 ) They sent a letter back that says they have investigated and found the loans to be mine. That is ridiculous as the person who took out the loans did not have my current address, my current email or my current phone number. They only had my social security number and old addresses - I found this out when I called each university. I am working to discharge all 3 loans with the universities but equifax should be able to remove these from my credit report in the interim.
Product: Checking or savings account

Back in XXXX thru XXXX I had multiple over charge by the Wells Fargo company. XXXX in XXXX instance they returned the {$35.00} fee 5 days later causing me to have a negative balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX ; XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

A man said that he would sell me an iPad and that I had to pay him via Venmo. We agreed that if I did pay him that he would send my item via mail. He has failed to do that and I have spent my money without receiving any good or service in return. Venmo refuses to help me and has not done anything to help me gain my hard earned money back or get them to ship the item I never received.
Product: Credit reporting or other personal consumer reports

Im the course of a few months I have been attempting to unfreeze my credit with Transunion. Their website is not working properly and when I call, its keeps telling me I can not be processed at this time. I am trying to buy a home and this is a huge hindrance. This system controls my personal information and its unsat that I can not access it. This is an ongoing issue for many as I have read several reviews on websites like XXXX. I hope this company is held accountable. I still can not access my information to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

I am trying to close on a house on which my and my wife 's offer has been accepted, and urgently require funds in my savings account. All of my savings are there, and time is of the essence, yet I can not access any funds or contact anyone who works for Synchrony Bank. 

Today ( XX/XX/2019 ) I tried numerous times to access my Synchrony Bank online Savings account through its website and the app. The pages would not load, and I also tried calling all published customer service phone numbers ( the online representative chat was also unavailable at XXXX pacific time, which was unusual ). Half of the calls to customer service were dropped or otherwise disconnected ; a few more had a " technical difficulties '' response and disconnected, and the rest connected me randomly to advertisements and credit card help lines ( Amazon, Sam 's Club, and Banana Republic, to name a few ). 

I also tried transferring funds through the ACH online transfer to external bank accounts which had previously been verified, but that resulted in an error message, as well. 

I can not access any of my own money, and I am concerned I may lose this house and possibly all of my funds.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$14.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$660.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a notification that a hard inquiry was done by capital one USA on XXXX that I did not authorize or know who did nor what for.
Product: Mortgage

CARRINGTON MORTGAGE SERVICES IS ABUSING OUR 'S CIVIL AND FEDERAL RIGHTS NEVER APPLIED XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX MORTGAGE PAYMENTS OF {$3100.00} EACH CARRINGTON MORTGAGE SERVICES NEVER APPLIED THE {$32000.00} RECEIVE VERY FOR MORTGAGE ASSISTANCE FLAT UP STOLEN OUR 'S MONEY 'S NEVER MAILED MORTGAGE MONTHLY STATEMENTS, MORTGAGE BALANCE properties taxes receipts, Insurance HOMEOWNER POLICY OR ANY PERMISSIONS OR AUTHORIZING TO PAYING ANY UNATHORIZED PURCHASE OF ANY HOMEOWNER INSURANCE the H.O. INSURANCE WAS PAID UP TO XX/XX/XXXX IN XX/XX/XXXX THE CARRINGTON MORTGAGE SERVICERS DECIDED TO PAYING {$4600.00} AND THESE MONEYS ARE STILL OWED TO XXXX IN XX/XX/XXXX A CHECK FROM CARRINGTON MORTGAGE SERVICE WAS ISSUED TO OUR 'S NAMES AS REFUND FOR OVERPAYMENTS THE CHECK WAS MAILED TO XXXX IN XX/XX/XXXX THEREFORE EXPIRED NOT CASHABLE IN XX/XX/XXXX I PAID {$4500.00} MY MONEYS DISAPPEARED. CARRINGTON MORTGAGE SERVICES LIED ABOUT SENDING THE DOCUMENTS TO AN UNKNOWN ATTORNEY NOT REPRESENTING US AND WAS CONFIRMED IN WRITING THAT NOTHING WAS EVER RECEIVED FROM CARRINGTON MORTGAGE SERVICES TO XXXX XXXXXXXX. WE HAVE NOT BALANCES WE DON'T KNOW WHAT THEY DID AND DOING WITH ALL OUR 'S MONEYS OVER {$52000.00} WE ARE IN PITCH BLACK PLACE WE DON'T UNDERSTAND WHAT THEY ARE DOING THE MORTGAGE LOAN BALANCE IS OVER {$590000.00} IN XX/XX/XXXX WAS {$540000.00} CARRINGTON LIED ABOUT FORBERANCE TERMS OF REPAYMENTS CARRINGTON MORTGAGE SERVICES WANTS US TO OBEY BY THEIR SUDDEN REQUEST ON XX/XX/XXXX BY PHONE WITHOUT ANY EXPLANATIONS TO GO IN TRIAL PAYMENTS OF {$5900.00} EACH THAN THEY WOULD HAVE CHANGED THE XXXX XXXXXXXX XXXX XXXX LOAN INTERESTS FROM OURS 2.875 % TO 7.99 % PREDATORY INTERESTS TODAY THE VA IS OFFERING INTERESTS OF 4.48 % TO XXXX XXXX BESIDE WE HAVE MORTGAGE ASSISTANCE {$32000.00} AND ALL THE MONEYS OWED FROM MORTGAGES NEVER APIED PAYMENTS NEVER APPLIED REIMBURSEMENT CHECK SENT EXPIRED FOR 15 MONTHS?? LATE FEES SERVICE FEES TO SERVICE THE LOAN AND APPRAISAL FEES CARRINGTON IS NOT A BANK WE NEVER APPLIED FOR ANY APPRAISAL CARRINGTON MORTGAGE SERVICERS NEVER ONCE COMPLIED REPLIED SEND ANY MAIL THEY WRONGFULLY REPORTED OUR 'S PAYMENTS LATE PLUS THEY ILLEGALLY REPORTED OUR 'S MORTGAGE IN OUR 'S 3 CREDIT BUREAU 'S THEY DESTROYED OUR 'S CREDIT WE HAVE NOT CAR BECAUSE OF CARRINGTON MORTGAGE SERVICES OUR 'S HEALTH COLLAPSING WE SENT 129 EMAILS 68 FAXES WITH THE BANK STATEMENTS WITH THE VA LETTER STATING THAT IF THE FORBERANCE WAS PLACED AT THE END OF THE LOAN THAN 1EACH POINT WOULD HAVE CHANGED OUR 'S INTERESTS FROM 2.875 % TO 3.875 % FOR 30 YEARS FIXED BUT CARRINGTON MORTGAGE SERVICES RECEIVED {$32000.00} FORGIVNESS FUND UNDER M.A.AND PLUS ALL THE REST DISREGARDING THE RULES LAWS AND REGULATIONS UNDER THE FEDERAL AND STATE LAWS. CARRINGTON MORTGAGE SERVICERS ARE DISGUSTING EVIL PREDATORS ALL THEY DONE AND ARE DOING TO US NEED TO BE STOPPED. THEY ARE RUNNING ILLEGALITIES SCAMS STEALING AND NOT COMMUNICATIONS WHATSOEVER ......
Product: Mortgage

Arvest Central Mortgage continues to claim that I owe them money AFTER they unjustly adjusted our escrow account. On XX/XX/2018 they claimed to have adjusted all records yet they are seeking more money I do not owe. I'm afraid they will hit my credit again. They continue to call claiming that I've shorted my payment nearing on harrassment.
Product: Debt collection

DISPUTE WITH Action Collection Agency of Boston ( ACA ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, MA XXXX ( XXXX ) XXXX - Received letter from ACA dated XX/XX/XXXX that " XXXX XXXXXXXX XXXX XXXX  '' referred a delinquent account to them. Account # XXXX. Reference # XXXX. Amount {$560.00}. Service Date : XX/XX/XXXX - Called XXXX XXXX which confirmed no record of her as a patient, no amount due from her, no record of the above account or reference number. 

- On XX/XX/XXXX, called ACA with this information. ACA instructed us to put our response in writing. 

- In letter dated XX/XX/XXXX, wrote what the hospital told us and then : " absent any supporting information, we have no alternative but to assume that the invoice from you is FRAUDULENT. '' We requested proof of claim. 

- In letter dated XX/XX/XXXX, ACA sent us " a copy of the itemized statement from our Client. Your personal information has been verified above. Please call to provide your insurance information. '' The invoice was for patient XXXX XXXX 

- Called XXXX XXXX 's which said that XXXXXXXX XXXX ( not XXXX ) is assigned when a patient without ID is treated ; yes, " XXXXXXXX XXXX '' was treated on XX/XX/XXXX for {$560.00}. 

- In letter dated XX/XX/XXXX, ACA again sought payment for {$560.00} - We need your help to fight this fraudulent claim.
Product: Mortgage

We are having a very difficult time with Bank of America. We have been trying for over a month to get a simple resolution to a 12 year old discharged 2nd lien. We have placed over 4 request for a for either a lien release or a point of contact to resolve the debt through an active short sale. Every time we call in we get the same problem. The rep tells us the lien release was declined, but can never help us after that. We get transferred to somebody else who has no idea what we're talking about, or they just disconnect on us, aka hang up. This lien is so old, BoA originally told us they sold it to XXXXXXXX. When we contacted XXXX  they told us they have no record of it. We asked 3 times to make sure. BofA finally found the lien in the Purge Lien Dept. It is in this department because it is so OLD. This is originally a Countrywide 2nd lien, that was part of the principle reduction that came out of the California District Attorney lawsuit. The lien was discharge and forgotten about by XXXX XXXX, and BofA, but never released on title.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.