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

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove these items at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

There was a large escrow shortage as of XX/XX/2020. Wells Fargo waited five months to send notification that or mortgage payment would increase by about {$800.00}. Almost twice the current payment. They should have reworked the payment when the shortage was known to prevent such a large increase. 

They said the reason was this is a new house and the estimated tax was based on the land only. How does this make sense when they knew the purchase was for a house?
Product: Credit reporting or other personal consumer reports

I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

I received a garnishment at my place of employment. 
I contacted XXXX XXXX XXXX located in XXXX Oregon on XX/XX/2019 and inquired about this garnishment and wanting to know who it was for, dates of service etc. All she could tell me was that it was for XXXX XXXX XXXX for the amount of {$800.00} for my daughter and that it was old and then she hung up. 
I then contacted XXXX XXXX XXXX and gave them me and my daughters name and social security numbers. They could not find any debt under any name or social security. So they advised me to contact XXXX XXXX. 
I then contacted XXXX XXXX and gave them all the same information as I did the previous phone call. They could not find any outstanding debts that where owed. 
I have not lived in XXXX Oregon for 15 years and have remarried. 
No one can give me a date of service, a dr 's name, a location, or what the visit was for. 
My children have never been without insurance. I have never had an outstanding debt for medical. 
This is an invalid debt and I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to Transunion to get a free credit report. Once I got my report, I saw there was a middle initial added, XXXX " XXXX '' XXXX. Never had a middle initial. So I tried to dispute it online and while filling out some of the info, it asked to create a password and supply my credit card number, because the ones on file that came up were outdated. How they got those numbers, I have no clue because as I have never paid for a credit report in the past. I believed it was for identification purposes. Afterwards I received an email for a charge for a credit report. I called in to dispute both the middle name and the charge. the charge was a subscription. How I got to that page appears to be deceptive, since I was only trying to dispute the middle initial. I called in and they cancelled the subscription but wont refund the charge of {$1.00}. Said he could not reverse it and no oe at the company can do it either, which it sounds absurd, since I cancelled it. The I asked how did the middle intitial get there and he could not tell me. I was authenticated, so he should have told me when this was added. Please help? 

This occurred Friday XX/XX/XXXX, XXXX between
Product: Debt collection

I do not recall having a " XXXX XXXX XXXX XXXX  XXXX XXXX '' credit card at any time. I'm guessing someone else took out an offer in my name or activated one of those promotional cards that came in the mail. I have already disputed this with the credit bureaus and got nowhere. I asked them to prove that I opened/used the card... nothing. All of my cards are XXXX XXXX.
Product: Credit reporting or other personal consumer reports

From XXXX until XX/XX/XXXX, I found myself trapped in an abusive relationship that severely impacted various aspects of my life, including my financial stability. As I strive to recover from this difficult period and move forward, one of my primary goals is to improve my credit score. Unfortunately, I've encountered a significant obstacle : numerous credit inquiries have been made against my name, and recently I've discovered that my ex-partner has been running my credit without my consent.

I feel compelled to address this issue and seek assistance in having these unauthorized credit inquiries removed from my credit report. Each inquiry is causing considerable harm to my credit score, which is crucial as I aspire to buy a home and establish a fresh start away from my past. I've taken the necessary step of filing a police report regarding the unauthorized inquiries, but I am now reaching out for support in remedying this situation. 

The inquiries I would like to have removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( And other inquiries dating back as far as XX/XX/XXXX. ) Resolving this matter would mean a great deal to me and would undeniably help pave the way for my future goals. I am eager to move past this chapter of my life, and I appreciate any support in rectifying these credit issues. Thank you for your understanding and assistance.
Product: Credit card or prepaid card

I have a number of store cards ( i.e. Lowes, XXXX ) which are issued by XXXX XXXX. XXXX XXXX keeps decreasing my credit limits each month on these cards and each time they do this lowers my credit score. 

In Synchrony 's letter it states card balance too high as one of the reasons for lowing the limit in essence they are creating this situation to happen. 

In addition, Synchrony also reports the lowing to the credit bureaus 30 days before I receive a letter from them. 

Their business practices are disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a credit processing center who is reporting erroneously. When an account is past due they take 60 days to send the information to the credit bureaus. I called and spoke to a XXXX and she does n't understand that it is incorrect to say that since they do n't report an account as past due for 60 days that this is considered the 1st delinquency date. She said I was 60 days past due as of XX/XX/XXXX. If I was 60 days past due as of XX/XX/XXXX then the first date of delinquency would be XX/XX/XXXX. This should be reported to Equifax who refuses to remove this outdated account from my credit report. XXXX XXXX sent me a ledger which I sent to Equifax however Equifax refuses to use that information and XXXX XXXX XXXX continues to say their information is correct when Equifax verifies information with them when in fact it is not correct. AN ACCOUNT MUST BE DELETED 7 YEARS FROM THE DATE OF THE 1ST DATE OF DELINQUENCY NOT WHEN IT WAS REPORTED BY A CREDITOR. AGAIN IF AN ACCOUNT IS 60 DAYS PAST DUE AS OF XX/XX/XXXX THEN THE FIRST TIME IT WAS PAST DUE WAS XX/XX/XXXX. I WANT THIS INFORMATION CORRECTED AND IF IT IS N'T I WANT XXXX XXXX FINED AND TURNED OVER TO THE THE FTC FOR WILLFUL NEGLIGENCE. A proper resolution would be the following : To fine XXXX XXXX XXXX for willful negligence to correct erroneous reporting according to the Federal Law. And for violating of Federal Law regarding their negligence reporting method. Turn them over to the FTC for willful negligence for not correcting erroneous information when it has been brought to their attention. They should be fined {$1000.00} or more for the infraction and I should be compensated for their willful negligence. XXXX XXXX XXXX has over 65,736 complaints by consumers because they their accounting is erroneous and they do n't keep accurate records.
Product: Debt collection

I paid a rental collection through a collection company by the name of Hunter Warfield 3 years ago and the collection is showing that I never paid the collector. Hunter war field never contacted the leasing company to remove the the collection from my account. Im unable to lease another property Because of hunter warfield negligence. My previous lease office said hunter warfield never paid them.
Product: Debt collection

For XXXX my partner ( XXXX XXXX ) bought me four pair of pants from XXXX of which I returned three pair. The first bill received was for all XXXX pair. I did not pay this promptly because I knew there was a credit coming. The next bill I received had the credit but also a late charge. The amount I paid on this bill was {$40.00} which was {$9.00} for the one pair of pants {$9.00} freight {$17.00} additional freight and {$2.00} additional charges. The amount of freight and additional charges should be enough for a complaint! But they are still charging me for the late charge and every month is adding late charges on the late charge! After calling XXXX directly they directed me to Comenity Capital Bank where they have turned over the account for collection. On XXXX XXXX I sent a letter to Comenity Bank explaining why I did not owe the amount stated and on XXXX XXXX they declined to cancel the amount owed. It is now up to {$160.00}! This amount is just for finance charges as I mentioned above I had already paid {$40.00}. This is the most expensive pair of pants I have ever owned and wil never, ever by from XXXX again. Please help me resolve this issue. 
Thank you.
Product: Student loan

FedLoan Servicing has constantly put up roadblocks and failed to provide important material information to me in my effort to switch repayment plans to REPAYE. Most recently, they required me to make multiple full months ' payments within a two-week period with new " payment due '' notices popping up literally overnight after making a prior on-time payment. They and also initiated a capitalization of interest on my account which adding over {$12000.00} to my principal balance without notifying me that this was going to happen when I requested to change repayment plans.
Product: Credit card

On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I received a notification from XXXX XXXX. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by Syncrony Bank. The inquiry was for a XXXX XXXX XXXX/XXXX account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

XXXX XXXX provided me with a link to call Syncrony Bank and have this taken off my account. 

I had first called the number provided at XXXX XXXX, XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into.

He ( SyncBank rep ) said I needed to contact XXXX XXXX, so I sent XXXX an email to their support on XX/XX/XXXX at XXXX XXXX Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under. 

I called TransUnion XX/XX/XXXX at XXXX XXXX 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's P.O. box in XXXX, PA along with my letter of authorization. 

I called Syncrony Bank a second time, XX/XX/XXXX, at XXXX XXXX I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX/XXXX  was not affiliated with Syncrony Bank. It has no relation to Syncrony Bank, and they don't know why it would be on my credit. 

He also stated that XXXX XXXX has said that this was a common error, and they tell customers to call Syncrony Bank. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from Syncrony bank? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing XXXX XXXX will never respond to me, and if they did, they would just tell me to contact Sync Bank and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with Syncrony Bank, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with XXXX XXXX. 

And I need to file a complaint with XXXX. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.
Product: Mortgage

Quicken loans is reporting that I have Tax Liens even though I have paid them off and are informing me that I do n't qualify for a VA Home Loan because of it. Can you help me with that?
Product: Credit card

I recently received a letter stating that I was almost XXXX months behind on payments. I had signed up for online banking with my bank and they were suppose to make the payment on the day I scheduled but that did not happen. I now have 2 late payments on my credit report. I pay all my bills this way so I not sure what the problem is with Capital one.
Product: Credit reporting or other personal consumer reports

While with my ex-wife, I co-signed three XXXX loans ( XXXX is the provider ) to allow her to finish her education. We have been divorced now since XXXX, and during the divorce proceedings it was made clear and approved by the judge that my ex-wife would be solely responsible for any loans that I was co-signer on. Recently, in XXXX of XXXX, she unknowingly fell behind 60-days with her payments, and because of my continued association with those accounts, my credit has plummeted in response. I submitted a dispute request with Equifax on XX/XX/XXXX and asked them to remove the account and/or the negative information. I provided a justification and the document from our divorce proceedings, and they declined to do anything regarding the situation ( simply came back in less than a week 's time with nothing but a verification that it is my account ). I submitted a similar dispute to XXXX about five years ago, regarding these same accounts, and they cooperated by removing those accounts from my report. My credit scores are wildly different because of these accounts, and it has caused my FICO score to plummet XXXX pts since this issue. I have a similar dispute currently filed with XXXX as well, for the same accounts and reason.
Product: Checking or savings account

Unjustly denied access to funds in my account. a adverse hardship cant purchase necessary needs for my child because of this inconvenience I am filing a law suit come Monday because this is very much so a inconvenience
Product: Debt collection

I am being charged for {$380.00} from a collection agency for a debt allegedly owed to XXXX XXXX XXXX XXXX. I switched over to XXXX XXXX XXXX from XXXX but during my trial period decided to go back to XXXX, I returned all phones directly back to the XXXX XXXX XXXX store and was refunded the fees I paid for all 3 phones. A few months later XXXX XXXX XXXX was harassing me saying I owed over 3K, so after calling in and getting no resolve. I went back to the original store returned the phones and spoke to the rep ( XXXX ) who returned my phones. she called XXXX XXXX XXXX and said the issue had been resolved. She advised me to keep my receipt showing I returned all the phones and the money was refunded and not further money was owed and the account was fully closed. and now I am being harassed by XXXX XXXX XXXX for {$380.00} they claim I still owe XXXX XXXX XXXX  {$380.00}, this bill is fraudulent and I need it removed from my credit asap. Thank you
Product: Debt collection

XXXX HAS A FRAUD ACCOUNT OPENED UNDER MY NAME / SOCIAL NUMBER. 
XXXX WAS NOTIFIED ASAP AND HAD PLACED THE ACCOUNT UNDER FRAUD. I NEVER HAD ANY BUSINESS RELATIONSHIP WITH XXXX.. DO NOT HAVE AN ACCOUNT. NEVER. 

COLLECTION AGENCY - NAME DIVERSIFIED CONSULTANTS. FILED A COLLECTION ON MY CREDIT REPORT BUT DID NOT PROVIDE ADEQUATE NOTICE OF THE DEBT never PROVIDED PROOF OF DEBT OR ANY STATEMENTS PERTAINING. 

ADDING TO MY CREDIT REPORT HAS CAUSED MY NEAR PERFECT SCORE TO DROP WHEN I NEED FOR AN UPCOMING FAMILY PURCHASE. 

I BELIEVE DIVERSIFIED CONSULTANTS HAVE CAUSED ME DIRECT HARM. 
I BELIEVE DIVERSIFIED CONSULTANTS DID NOT FOLLOW PROPER PROCEDURE AND STATUES WHEN PLACING THIS COLLECTION ON MY CREDIT REPORT.
Product: Debt collection

I have contacted XXXX, XXXX ( Portfolio Recovery Associates ) and XXXX XXXX XXXX ( XXXX Bank ) to report that I am a victim of Identity Theft. 

I completed all neccessary paperwork and proof. The companies have billing statements for me going to an address in a different state that I never lived in. The companies has not give me any kind of documents proving I am responsible for the these debts. 

All I want is the debt that I am not resposible for and did not authorize anyone else to use to be cleared from my name.
Product: Credit reporting, credit repair services, 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. 

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 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 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.
Product: Debt collection

I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and XXXX XXXX Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX 1 was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX Syncb XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Product: Debt collection

Someone else signed for the equipment in my name and they left the equipment any way. 
I wasn't even in the area or in town when the alledge equipment was left. 
I was out of town during that time. This equipment was signed by whomever and left illegally. I do not have this equipment nor should I have this bill on my credit. 

Please remove this off of my credit it is not my bill. Please compare the signitures and you will notice the difference in the handwritings.