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

While I was XXXX  some one applied for multiple things in my name using the address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX are the last items left as well as the address XXXX  is reporting inaccurate information to XXXX, they removed it and then it came back, XXXX XXXX is report inaccurate information to TransUnion. The accounts was open fraudulently I have provided all the infomation needed, police report, identity, l theft report, drivers license, birth certificate etc I would like these accounts and address removed from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ;
Product: Student loan

Ed Financial and XXXX are refusing to process my IDR applications and it is impossible to speak with anyone or communicate with anyone at either organization. 

XXXX improperly denied my application as being " too soon for recertification '' although I am requesting a different IDR plan and that was made clear in the application. 

Ed financial is requesting evidence already provided and not processing the application in good faith. 

Both companies are not operating in good faith, and their fraudulent business practices seek to have them paid for more money than what is owed under the IDR plan for which I am eligible.
Product: Mortgage

I, have BSI loan service /mortgage., I have given my wife all permissions via fax. for her to handle all of my biz. with them, my wife and I never get a mortgage statement in the mail as to see what is being applyed to my loan, no statement to pay the mortgage. My wife has called last week & 6 weeks prior also, she must make copies of XXXX or XXXX rare statements that we have to beg them for, or just dig up their address & write a check. XXXX rep. said oh it is because I had a bankrupcy 15 years ago? Another rep. said oh yes every time you send a pmt. a statement will genarate, but this never happens. I am still waiting for any statement, my wife even begs these reps. for XXXX or XXXX statements with the same date so she can pay the bill. But the fact of the matter now I know the new rule as of XX/XX/2014 they must send a statement every month. I do think they are trying to make me have a late pmt. or a few, I feel this is a set up, to intensionally get me in fincial trouble. Also they failed to send my XXXX for my 2014 taxes, I got an apoligy letter XX/XX/2014 or so, after my wife and I calling, once again they lied & said they sent the XXXX for that year on XXXX dates, wow the post master must loose mail so much. what I demand is a timely statement every month, also this BSI said I had no homeowners ins. last year & once again, lie after lie they sent they want proof in the mail, post master lost a few of those letters too. I also want to recive that letter in a timely manner this year too. Yes I have XXXX & my agent faxed them their info. it is all in my file. Last year they put me in force placed ins. Desired resolution. TIMELY STATEMENT EVERY SINGLE MONTH OF THE YEAR, XXXX OUT BEFORE XX/XX/XXXX OF EVERY YEAR, TIMELY PROOF OF INSURANCE NOTICE AS SO WE CAN ALL COMPLY WITH THE LAW IN A CIVIL MANNER. ( BSI FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA.XXXX ) customer service XXXX this is the party my complaint is on.
Product: Debt collection

I periodically receive 3 phone calls a day that when answered just hang up on me. Any time i try to contact the company to resolve the issue i am ignored and hung up on. 
the number i am getting the call from is XXXX company is XXXX   XXXX  XXXX  in Massachusetts
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Mortgage

In XXXX of 2022 - I paid my mortgage on time. A couple of days later - my mortgage was transferred to a new servicer - freedom mortgage corporation. The mortgage was paid from an old checking account - and the amount was deducted from the account - however they are saying this is not the case. I have provided proof - however they are not accepting it and calling me a liar. now my account is showing past due because when I make a payment towards the end of the month for the coming month ( like I always do ) they are applying that towards the current month. I have recently gone ahead and paid it because they have destroyed my credit- my credit has gone from being XXXX to now only being XXXX. I am very upset and repeated phone calls and messages to this institution have gone unresolved- and I am also out an extra {$1400.00} and they are also trying to assess late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and ConsumeXXXX deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have XXXX reinstate my account as open and being paid. thank you
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 correct XXXX XXXX XXXX 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: Consumer Loan

On XXXX XXXX, 2015 I entered into a vehicle lease/trade-in contract with Mercedes-Benz Financial XXXX XXXX XXXX of XXXX XXXX, CA ) with a down payment of {$10000.00}. My current vehicle was surrendered and I was given the new vehicle. On XXXX XXXX, 2015 I was informed by the location 's Finance Manager ( XXXX XXXX XXXX that MB Financial had declined my application for credit, but I should not worry as he would get it approved through reconsideration. On XXXX XXXX, 2015 I received official notification from MB Financial my application for credit was declined, but again, XXXX XXXX assured me not to be concerned and it would be taken care of. At no point was I advised the transaction was pending further/final approval. Under the impression this was a final deal, I tinted the windows at a cost of {$230.00}. On XXXX XXXX, 2015 XXXX XXXX advised me he was unable to obtain final credit approval and I returned the car. When my previous car XXXX 2014 XXXX Touareg with XXXX miles on it ) was turned back over to me, I was advised there was new tires on it. As an individual who used to sell tires for a living, they were clearly the same tires treated with XXXX. XXXX XXXX XXXX offered to show me a Purchase Order, but refused to produce the vehicle 's original tires at my request. At that point I noticed the mirror control knob had been broken off, rendering the mirror adjustment useless. XXXX XXXX told me point blank " you have {$1100.00} worth of new tires on your car, I 'm not repairing that mirror knob. '' XXXX has advised me the entire console needs to be replaced, which will cost {$250.00} in parts and XXXX hours of labor to repair.
Product: Mortgage

i have been attempting to get a loan modification however bank of america is stalling on my mortgage file.they are not wanting to review my file because they are asking for a profit and loss statement from a CPA. i do not have a cpa. i have sent in all documentation necessary for them and bank of america continues to play games with my mortgage. i do not want to lose my house.
Product: Debt collection

I have had my phone account with XXXX for some time now. In XX/XX/XXXX, I set up a home Internet with XXXX. I moved out of that apartment in XX/XX/XXXX, and with that I cancelled my service and returned the modem back to them. By the end of XX/XX/XXXX, XXXX claimed I owed them money because I didnt send them the XXXX. I showed them proof with the receipt that I have mailed it back. I have been notified that there is a derogatory remark on my credit report from a collections agency that claims I have to pay XXXX XXXX . The current account I have XXXX is paid for and up to date. The XXXX account is closed and has been closed since XX/XX/XXXX with a balance of XXXX .
Product: Mortgage

In an unsigned letter dated XXXX XXXX XXXX, Newrez Mortgage LLC stated : According to our records, your earthquake insurance policy is about to expire and we have not received a renewal or replacement policy. For your protection, as well as ours, and as required by your mortgage, your property must be kept continuously insured. 

In a letter to Newrez Mortgage LLC dated XXXX XXXX XXXX, I asked Newrez Mortgage LLC to : Please provide me, in writing, with a clear and concise statement of the exact provision in my loan documents that obligates me to provide earthquake insurance coverage for the subject property. 

I have not received a response from Newrez Mortgage LLC. 

On XXXX XXXX XXXX, in a second letter to Newrez Mortgage LLC, I requested a response to my XX/XX/scrub>XXXX XXXX XXXX, letter. Regrettably, I have still not received a response from Newrez Mortgage LLC to this very important issue. Because Newrez Mortgage LLC has not responded to my two written letters, I am worried that Newrez Mortgage LLC has, or will, place earthquake insurance on the subject property without my knowledge, consent or means to dispute the claim, and charge me for the cost of that earthquake insurance.
Product: Bank account or service

My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent letters due to inconsistencies and inaccurate information reporting on my account. I specifically requested for any accounts that were not reporting 100 % accurate to be deleted. I sent a description of each account and the item that was reporting incorrectly. To my surprise, when I reviewed my credit report again, the incorrect items were continued to reflect on my credit report nor has anything on my credit report been updated to reflect the correction. I sent letters again on XX/XX/XXXX informing you that these items should be re-investigated, updated or deleted because no changes were made to my profile. Since then, I continued to send letters to the bureau as well as the creditors requesting validation and proof that this information was reporting correctly, but nothing has been resolved or updated to date. This has been an ongoing issue. I pulled my report again and it is now XX/XX/XXXX and these errors are STILL showing on my credit report. This is a violation of my rights as a consumer and my concerns are not being addressed. The creditors do not have authorization to access the account nor authorization to attempt to collect on the account and the inaccurately reporting accounts continue to negatively affect me. Please remove the following accounts from my credit profile. XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX. According to the FCRA, The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The information provided is NOT correct which goes against the FCRA and must be deleted for inaccurate reporting
Product: Debt collection

XX/XX/year> NOTICE OF DISPUTE NOTICE : Immediate Verification of Alleged Debt under oath Required NOTICE to : CEO and CFO and Legal Compliance Department I am a federally protected consumer, a natural person under the Fair Debt Collection Practices Act pursuant to 15 USC 1692a ( 3 ) and I hereby demand prompt verification of the alleged debt under oath to lawfully verify documents as factual evidence.

Provide irrefutable evidence of its authenticity, legitimacy and alleged debt origin including but not limited to ; 1. A signed Original Agreement with both parties ( Myself & Credence Resource Management Signature showing meeting of the minds.

2. Full disclosure of Credence Resource Management PURCHASE AGREEMENT regarding collection of alleged debt.

3. Full disclosure of accurate numerical breakdown from zero to current alleged owed.

4. Confirmation of the statute of limitations.

5. Provide proof that Credence Resource Management can legally collect in the state of Florida by providing authenticated proof of company license number to do business in the state of Florida and is the holder in due course.

I am demanding Credence Resource Management Pursuant to 15 USC 1692 ( g ) ( b ) to cease all collection activities until lawful verification under oath is provided to avoid violating my consumer protection rights. A timely response within 30 days is expected, in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Act ( CFPA ).

Please note the only convenient way to contact me is via email Pursuant to15 USC 1692c ( a ) ( 1 ). See email address XXXX. Failure to comply may result in legal action to protect my consumer rights. 
Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

This last Friday 400+ $ $ was taken out and approved but now I ca n't take out another payday loan and I bank with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian over the phone on the afternoon of XX/XX/XXXX to dispute an unfamiliar account on my credit report. The representative was rude and combative. She made false statements, over-talked me, and refused to answer questions about the dispute process. She told me they follow : [ insert some acronym that I didn't understand ] and if I wanted to know what that process was, then I should look it up. I literally didn't understand what she said ( she had a heavy foreign accent ). When I told her she was being rude, she insulted me and hung up. I have literally never received worse service. 

I'm appalled that someone who is responsible for assisting people with fraud on their credit reports is allowed to behave this way. Not only do I have no confidence that she filed the dispute, but the experience of seeking help has also caused me further harm.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




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

On XX/XX/2020, I went to a credit repair service. Now that interest rates are low, I thought I would get a low interest loan intended for medical purposes. I paid the guy {$150.00}, and without my authorization, and without any signature, he went ahead and made a hard inquiry on my credit report. I was upset because that would lower my score. Also he was quite arrogant. So I left. The inquiry was with Equifax. I immediately disputed the hard inquiry. On XX/XX/XXXX, I got a message saying " Your Equifax Credit File Dispute is  Complete '', and urging me to press on a button and log in. 

Well I have been trying to log in since last Friday without success. I changed my password 5 times, I kept being locked out, so I called and after spending 30 minutes on the phone, I finally talked to an agent who informed me that HE CAN NOT REMOVE THE LOCK OUT. When I changed my password, I made sure it was written on a piece of paper, and yet it never worked.The system kept telling me its wrong. 

I need you to interfere because I know what's going on. Something similar happened to me last year. I have a competitor of mine by the name of XXXX XXXX ( and the woman 's name is XXXX XXXX ) who wants me out of business. So last year after finally having worked towards good credit and raised my score over 700, I  wanted to get an SBA loan. ( I am self employed, an insurance agent ). I tried to open an account with XXXX XXXX. ( I have one with XXXX   ). XXXX XXXX rejected me. 

Not only that but every single bank I went to after this said no. I could not understand why : XXXX, XXXX even very small banks. Apparently XXXX knows someone very highly place at XXXX XXXX and I was told that he put something on my credit so I can never get any loan. So my credit has been hovering around XXXX eve since. I went ahead and paid off XXXX of my credit cards two weeks ago so I can raise my score. But since this very highly placed XXXX  XXXX can do whatever he wants my score is never going to go up. This inquiry probably was not removed my Equifax. That's why they dont want me to see it. 
Can you please help me.?
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chex systems has completely black listed me from getting any bank account. I've applied for a dozen different accounts, some even second chance checking accounts but due to the consumer score I have failed to get an account. Even after countless hours disputing inquiries and closed accounts I've gotten no good results.
Product: Credit card or prepaid card

I have contacted XXXX 's on three occasions in an attempt to dispute a charge for {$220.00} for a fraudulent charge. Each time I was told that it was being disputed and found out today that it was not being disputed or researched.