23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE INQURIES MORE THAN THREE TIMES OVER THE PAST YEAR, TRANSUINON REFUSES TO DO A PROPER INVESTIGATION AND REMOVE THEM. 
THE INQUIRIES ARE LISTED BELOW : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account Names & Numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My ex-wife inquired Newrez mortgage company about cash-out refi. For some reason, Newrez erronesly thought I am the applicant of the loan. I emailed and talked to them about the error and I asked them to close the loan application. However, Newrez mortgage continued the loan process. 

Here is his contact info : Loan Number : XXXX XXXX XXXX XXXX XXXX, NMLS # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX PA XXXX
Product: Vehicle loan or lease

I made XXXX payments in XXXX. every time I logged in I paid what it said I owed or more, but I should only need to pay XXXX time per month. my monthly payment is XXXX by the XXXX, in XXXX i paid XXXX on the XXXX, XXXX $ on the XXXX, and got an XXXX $ late fee on the XXXX. I did some digging and didnt see any late fees, so I went to my payments section and found a very weird XXXX $ payment every month, then I realized it wasnt a payment, it was a negative payment. so I call and ask what the heck they proceed to tell me that I was originally on auto bill pay, but when the bank issued me a new card I just started paying it manually, and there was a XXXX $ fee for the switch over. Apparently that was never paid so they have been tacking on XXXX $ a month for the past XXXX  years. I overpay my minimum all the time! I even paid XXXX months in advance when I switched over to manual payments. I have never been informed of this fee, or that it was occurring extra fees, when I log into my account it doesnt say anything about it. all it does is tell me what I owe, and it is never correct, if i pay what it says I owe then they tack on late fees, and disguise them as negative payments. its rediculous. ive have tried contacting them over a dozen times already, but their replies are always answers to different questions, like they dont understand english. I have asked for a detailed report of payments and charges and they will not provide. I have asked for a XXXX and they never contact me. I have less than XXXX left on loan, however well over XXXX $ taken in these rediculous hidden fees. even right now i got a letter saying I owe XXXX by XX/XX/XXXX, if I log into my acct online it says i owe XXXX XXXX but no matter what I pay they are going to tack on that late fee!!! theres no way this is legal!
Product: Credit reporting or other personal consumer reports

Good day. There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Product: Credit card

On XX/XX/2023 i charge my card in the amount of XXXX and i left out of the store with the purchase of my son items i also tried to charge more items that suppose to been delivered to my house and never got delivered i asked that they remove the money that was charge and they said they had to investigate the charges and they gave me all these credit and rewards for me to used for free so my balance should be XXXX it is XXXX in which that is not the correct balance they refused to fixed the problem i was advised by XXXX today that they closed the account on XX/XX/2023 but never sent nothing to my house stated that please i need your help in fixing my bill the company is commenity bank with children place
Product: Mortgage

XXXX XXXX called to say modification for me any my husband was denied. 
She was very rude, disrespectful and unprofessional during our conversation. 
She said she still haven't gotten all the docs needed to complete the modification. 
I sent the letter requesting the docs and submitted them. She said they were not current. I told her they are the most current I had because my wife is no longer working, because Mr. XXXX had an recent XXXX XXXX. She said Mr. XXXX should have thought about this when they were behind, and this was no concern of hers. I have sent all requested papers but XXXX XXXX refuses to help us. Our income has changed and my wife vehicle is paid off. She has told me a lot of timesshe is not going to look at the paper work we send her. I no longer wanted to finish the conversation because I knew it wasn't going to get any better and she was talking to me rude. I want the conversation pulled to show that she was disrespectful and unwilling to assist. I remained calm ended the call
Product: Credit card or prepaid card

I applied for the Verizon Visa card, I have good credit XXXX XXXX the credit bureau that was used my score is XXXX, I have a 100 % pay history no delinquent accounts. I have had credit cards on my account over 3 years I have XXXX balances on all my cards, my inquiries 7 are for the cards I applied too which were all approved, I submitted my application for the Verizon Visa card thinking My credit is in great shape I also have had my Verizon account for over 6 years never late on payments which I have a credit line for {$5000.00} for Verizon phone products. I received a letter stating my application was denied they listed 4 reasons which none apply to me, they also said I had no mortgage information? I live in a apartment I have applied with synchrony bank in the past with XXXX @ old navy & they have never approved my applications I applied for the XXXX XXXX  the same time & was instantly approved.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX, I was at the XXXX XXXX XXXX XXXX XXXX, waiting for my flight to board, XXXX XXXX XXXX XXXX XXXX 

Well, while waiting, I decided to pay XXXX XXXX XXXX for an Add-On called International Roaming for {$35.00} before tax. When I paid it, a total of {$37.00} and change was charged to my Bank of America debit card ending in XXXX. A confirmation number was then given to me, XXXX. 

When I arrived to my destination, XXXX XXXX, XXXX, XXXX XXXX. XXXX, the service did not work. So, I dialed ( XXXX ) XXXX from my XXXX 's cell phone XXXX, and tried to resolve this problem with XXXX. This conversation took place around XXXX XXXX  XXXX. At the very end, XXXX said I'm entitled to a refund because the service is not available in XXXX XXXX, XXXX. 

I don't believe the service is not available. I just think somebody else had my real cell phone. Either way, I'm submitting this complaint to recover {$37.00}. 

Please have my personal checking account credited {$37.00}. The XXXX Roaming NEVER worked from my handset. I'm currently using my XXXX 's private WiFi to submit this complaint. 

Again, please have that transaction returned. XXXX said that it's highly refundable. 

Thank You, XXXX XXXX XXXX
Product: Credit reporting

I have attempted to access my credit report multiple times. The information that they use to verify your identity is completely NOT MINE. I have requested they fix this, most recently a month ago. This has been going on for years. There is another person in a neighboring city with the same name as I have, but without the suffix XXXX. I am attempting to verify and I have included the questions below, which none apply to me : Your credit file indicates you may have a mortgage loan, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX OF OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE What is the total monthly payment for the above-referenced account? 
{$1300.00} - {$1400.00} {$1400.00} - {$1500.00} {$1500.00} - {$1600.00} {$1600.00} - {$1700.00} NONE OF THE ABOVE Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE THEY REFUSE TO FIX IT. PLEASE HELP.
Product: Debt collection

I have an explanation of benefits from my health insurance provider showing this was paid in full - there was nothing due by me the patient. Synerprise Consulting is stating they were sent the information from XXXX XXXX XXXX and have no further details of my insurance information. 

I called XXXX XXXX XXXX and they said it is now with collections and they can't do anything. 

It is fraud - XXXX has been fully paid by my insurance provider and this credit collection is incorrect and needs to be removed at once.
Product: Credit card or prepaid card

I've had fortiva for 3 years been an excellent customer always made on time payments. Numerous calls to their outsourced customer service agents that reads from a script barely understand English which I end up having to discontinue call. Fortiva continues to charge me very high monthly account maintenance. Monthly interest rates on top of XXXX charge every year. Ive never had a credit increase and these charges continueto rise. I received email from fortiva which states these high monthly charges reduces after 1 year and my account will be reviewed that never happened. Horrible experience no customer service assistant to redeem issues
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an item on my credit report between May 4-8, 2023. Attached to that dispute was a copy of an identity theft report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax should have already removed this item due to the identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) states the following ( a ) Block. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Mortgage

Hello, I am closing a mortgage account with Dovenmuehle Mortgage Inc. My new lender ( HFCU ) requested a pay-off statement on XX/XX/2020 from Dovenmuehle but they didn't get a response. I requested a pay-off statement and obtained it on XX/XX/2020. I did my closing for the refinancing XX/XX/2020, so that the due balance to Dovenmuehle will be paid off and I will work with another provider ( HFCU ). 

Today, the same day I did my refinancing closing, XX/XX/2020, I received a letter from Dovenmuehle mortgage stating that the right to collect payments from me is being transferred to another servicer ( XXXX XXXX ) and that Dovenmuehle won't accept any payments from me after XX/XX/2020. So I have only 4 days to adapt to this change. 

Soon, my new lender will send a pay-off check to Dovenmuehle Mortgage company, but if it is later than XXXX XXXX XXXX Dovenmuehle will not accept the payments, and I will be late for payments unless I continue paying to the new servicer. Dovenmuehle customer service suggests to me continue paying the new servicer and get a refund later.

This is a scam. When I called the new servicer ( XXXX XXXX  ), the automated message starts with " If you are a transferring customer from another provider, enter ... '' This is a set up done by Dovenmuehle Mortgage company to confuse customers and get them to pay double. I am pretty sure XXXX XXXX is a paravane company still controlled by Dovenmuehle. This is insane. This is a scam.
Product: Debt collection

I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States l 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
Product: Credit reporting or other personal consumer reports

CRA Experian has failed to enter required Notice of dispute, is now in violation of FCRA section 623 ( a ) ( 3 ) DUTY to provide Notice of Dispute. On my credit report, after I have submitted disputes for inaccurate information on my report.
Product: Debt or credit management

XXXX someone used my identity to create a fraudulent account at XXXX XXXX. account # XXXX ; order # XXXX ; location XXXX ; amount {$2800.00}. 
XXXX debt collectors inform me of fraudulent account. 
XXXX open dispute with XXXX XXXX XXXX fraud investigation determined account to be unauthorized and fraudulent. I am not responsible for any of the charges related to the account or order number above. Account closed XXXX one year later fraudulent account is still showing on credit report and has dropped my credit score over XXXX points. 
XXXX XXXX I contacted transunion via XXXX  claiming to repair or remove inaccuracies from credit report. 
Transunion opened investigation XXXX transunion sends email stating they reopened the fraudulent account and placed the account in collections. 
XXXX XXXX verified again that the account was fraudulent and I am not responsible. Provided email to use as verification. 
XXXX I've contacted transunion several times over several days and they still claim that the fraudulent information they have is correct. Will not reinvestigate to fix error.
Product: Money transfer, virtual currency, or money service

I tried to log into your XXXX account which they deny my services and also dont let me enter my account Goldman Sachs XXXX XXXX XXXX are restricting me from my own account
Product: Debt collection

On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history
Product: Mortgage

I was pre approved for a mortgage loan on XX/XX/XXXX. I kept getting educational emails from them  while I was in the process of looking for my home. When ever I had a question I could not reach the lender right away. I would not hear from the lender not until a week later. I let my lender know.this was my first home. There was a lot about the process that I did'nt know. I asked my lender about 2 months in advance if he could find me a down payment assistance program.He told me that he was looking into and he will get back with me. It was about a week before closing and finally after me leaving several messages his secretary calls. She told me that XXXX XXXX will be giving me a call. XXXX XXXX called me and told me that he was not able to get me the XXXX for the down payment. I lost the contract on the home. My family is still in the process of looking for a home. Also my credit was pulled back in XXXX by this company to get pre approved. I received a pre approval letter stating my credit score and all documents that I turned in, proof of income etc..was good for 120 days. My credit was pulled again by this company on XXXX to qualify me. This I did'nt understand do to what the pre approval letter stated. There was some changes in my score from XXXX XXXX XXXX. My score dropped since the first inquiry. I feel like I should have been notified immediately that I could not qualify for the down payment assistance so that I could have went another route. Also, the 120 days that was stated on the pre approval letter was not over before they checked my scorces and documents again.The company name is Residental Mortgage Services ( RMS ). They are located in XXXX, Md. My lenders name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried for the 1st time to CANCEL my account XX/XX/2018 @ XXXX XXXX. CANCEL XXXX is the subject line. I got a confirmation. I will still being billed and called and was told it'd take a month or two to correct and refund. 

AGAIN XX/XX/2018 @ XXXX I sent a follow-up email. " asked that my account be canceled on XX/XX/18 and I am still being billed. Please refund my hard earned dollars as of that date '' AGAIN I told it'd take two months however ALL my monies would be returned. HOWEVER THEY ARE STILL STEALING MONIES MONTHLY FROM MY ACCOUNT. 

I call monthly. Last month my account was overdrawn! I go onto the site to get the phone number and call and I get the same response it'd take two months. Two months has turned into OVER 6 MONTHS of billing.
Product: Credit card or prepaid card

Blocking use of third party applications that can personally help me pay down debt faster
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX with my spouse ( joint account ) which he added me to his account. Now the account shows closed with {$180.00}. In XX/XX/XXXX my spouse check his credit report and it showed Applied bank on his report. In XX/XX/XXXX he check his report and applied Bank was off his credit record, but it's still on my credit record. I ask few times to have TU check this out, no outcome, still on report
Product: Checking or savings account

The way the bank posts transactions is highest dollar amount to lowest so they maximize the overdraft fees I had 3 transactions post one of them I was short by about 40 it was an automatic payment that I forgot was coming out if they had post transactions from lowest to Highest I wouldve paid one {$36.00} overdraft fee but instead they did highest to lowest so I got charged three {$36.00} fees they are maximizing fees and taking advantage of consumers who run short
Product: Credit reporting or other personal consumer reports

Self financial is inaccurately reporting late payments on my credit file even though I have made all my payments on time before the XXXX  day late mark so this is inaccurate I have disputed this directly with self and the credit agencies but this issue has not been corrected this is false reporting has negatively impacted my credit score and financial opportunities under the fair credit reporting act self must ensure accuracy in reporting I am requesting that cfpb intervene to have these late payments removed from my credit report immediately account number XXXX 15usc XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I assumed this loan for my daughter. When she graduated she never found employment in her degree/field. I had to support her while she tried for several years to find work in her degree. I have paid on this loan as best I could having to move from place to place 6-12 months consecutively with another move due to a sale of current household in XX/XX/2019. 

She finally took a XXXX job but still needed support due to low wages. I am retired with a Federal Retirement benefit and social security. Due to losing my house, my age XXXX and not driving I have had to move regularly incurring expenses and defaulted for a time during these moves. 

I would like to work with someone for a normal monthly payment yet have been put on hold for more than an hour and now having my social security and federal retirement garnished and told conflicting information on my retirement and payment plans. 

Relief would be desirable yet with no judgement against me my retirement will be garnished leaving me with barely a livable wage. My daughter graduated almost 10 years ago and still doesn't work in her selected field and still works for a bit more than minimum wage. I would still be helping pay her rent has she not found a low income apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone or some people at Atlantic Bay decided to go rogue and openly break federal law by refusing to report my account as current the months when I was in forbearance with XXXX. The CARES Act is explicit that this is a legal requirement.