23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've made payments on time to the company XXXX based on the settlement I 've made with them. The actual balance of this account is XXXX and the other credit bureaus have it updated correctly but Transunion. I 've called XXXX and they confirm they have sent 3 letters to Transunion with the updated information and after more than 30 days Transunion still refused to update my information on my credit report, this situation is affecting my credit score in a really bad way. 
I 've called Transunion several times ( more than 4 times ) and they denied that information, Transunion lied saying they have n't received those letters from XXXX, Today XX/XX/2016 I 've requested to speak to a supervisor or manager and they hang up my phone call. They also refuse to record phone calls from customers, this does n't allow customers like me to get evidence of everything is discussed to Transunion, therefore customers do n't have the way to proof anything against Transunion. 
2. I also want to report that Transunion has my name spelled and written on different ways and they refuse to fix it. I 've requested to report my name in the correct way based on my social security information but Transunion have refused to fix this issue. 
3. I 've waited for more than 60 days for my account with XXXX XXXX to be updated which cause me a really big issue with my credit score. I made the final and total payment of the settlement to XXXX XXXX in XX/XX/2016 and they sent updated information to Transunion. But Transunion updated almost 90 days after that just now on XX/XX/2016. 
4. I have a credit card with XXXX XXXX with a {$740.00} balance by today XX/XX/2016, but although I 've told Transunion my balance Transunion refused to updated it and they still report a wrong balance of {$100.00} dollars, which is affecting my credit score as well. 
5. Transunion have also placed my account under Fraud Alert and they have n't giving my a real and acceptable reason for such a procedure.
Product: Checking or savings account

I have been banking with Santander for over 5 years and generally do not have any issues until recently. On XX/XX/XXXX, I saw a charge on my bank statement that I did not recognize. The amount was for {$10.00} to XXXX XXXX. I called my bank after it had officially posted onto my account to see if they can give me any further details about it since I had no idea what it was. I wanted to see if I made the charge on a different day and simply forgot about it or if it just came up under a different name on my statement. The customer service representative over the phone told me the charge was made in the morning time of that same day ( XX/XX/XXXX ). At that point, I knew it was not a charge I authorized because I did not use my card at all that day and I was in school at the time of the transaction. The representative over the phone was able to refund the money and they launched an investigation. She also told me that whoever made the transaction used only my debit card number and had no way of accessing my account number so they had to send me a new debit card. They ordered a new debit card to my house on XX/XX/XXXX. About 10 days later, I called the bank again because I never received the new card. They had then concluded that the card must have gotten lost in the mail. They issued me another card on XX/XX/XXXX. I waited for the card to come in the mail for another 10 days. That made it 20 days without a debit card. In the meantime, they held all the money going into my account ( deposits and XXXX transactions ) making it impossible for me to pay bills. In other words, for XXXX days I had a hold on my account. My phone bill, credit card bills, and other things were not able to come out of my account for XXXX days because they failed to expedite my debit card XXXX times. They told me everything was on hold until I activated my debit card that so never received for XXXX  days. All my bills charged me late fees because of this. By the time I got my debit card and thought everything was finally going back to normal, there was a second charge that I did not recognize on my account. This charge was for {$21.00}. When I called the bank about it, she reassured me she would be able to refund me, but also informed me that my account number was compromised now. I have been trying to get my money back from this transaction so I can close out my account and never deal with them again but they have not been compliant. They have not been helpful and I have made several phone calls about my issues. 

attached are the photos of the original transaction for XXXX and the refund. the refund was issued the same day. i have also attached the new transaction that was done using my account number to XXXX XXXXXXXX. i do not even have a XXXX XXXXXXXX bank or credit card. The only loan and credit card I have is from discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX/XXXX, and Experian inquiring about information/accounts listed on my credit report that is inaccurate. I have asked for the account/information to be verified several times via the letters I sent. I also asked that they please send me copies of the documents that you have in their files as of my last letter that they used to verify the accuracy of the accounts on my credit report. 

They have continued to send me a response stating that the accounts/information was updated and verified but have not sent any supporting documentation. 

I did not ask for anything to be updated. I asked that the inaccurate accounts/information be verified.
Product: Mortgage

After being told by Cross Country Mortgage that I had been approved for the mortgage on a property at XXXX XXXX XXXX XXXX. XXXX from XXXX XXXX XXXX  charged me {$420.00} on XX/XX/2020, for an inspection from which I was denied a loan. On XX/XX/2020 my XXXX XXXX XXXX XXXX Account was charged {$450.00} to collateral Management for an appraisal of the property at XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX I paid XXXX XXXX XXXX {$200.00} for a membership fee and a application fee to The HOA at XXXX XXXX XXXX. Due my XXXX  and the XXXX XXXX I feel I was taken advantage of by unfair house marketing strategies by Cross Country Mortagage company and its business partners. Cross Country Mortgage should have told me that I would not be approved for the loan.
Product: Checking or savings account

Terms of opening account were {$200.00} for making XXXX bill payments. Never received, company representatives have told me I should have received it already.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with Speedy Cash, Which it's past due. {$750.00} I receive an email today from XXXX which it seems very catfishy. 
She was threating me and charging a immediately money through email and in my debit card. 

I made several questions. She never answered them. Also, she asked my card information and told me I was gon na be prosecuted and XXXX a XXXX against XXXX, violations and bla bla bla. 
I don't know where it's coming from. She refused to give me more information about which area she work at Speedy cash. 

Talk to speedy cash already and told the situation. Which it's werdr, cuz I just sat a settlement with them and everything was okay. 
I told her about that. She got XXXX. hahaha And release detectives and a warranty. For what? haha I am so confused and I just wan na report this to you guys. 

So. yeah that's all. She never gave her number or provide a number. She asked me my attorney contact her. By email? 
XXXX XXXX are not smarter than me. 

Thank you anyway.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a billing error. The late payment doesn't match my regular payment history.
Product: Credit reporting or other personal consumer reports

Recently viewing my credit reports i took notice of the creditor in question, furnishing the claimed to be owed debt. I am not aware of creditor AMERICAN FIRST FINANCIAL or any of the stated credit debts being stated in the amounts of { {$3200.00} }. I would like for this illegally furnished account to be removed from my credit reports immediately upon retrieval of this complaint.
Product: Bank account or service

I have called PNC customer service 3 times and requested a PIN so I can create an online account and see my loan statements. All 3 times I have been denied! 



Account XXXX, PA XXXX Account XXXX
Product: Debt collection

AFNI, Inc. holds a debt in my name which I am not aware of. I wrote them a letter XX/XX/2016, in which they refuse to reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX BANK XXXX recently checked my Experian credit file for an installment loan or new bank account on XX/XX/2022. I do not recognize this inquiry nor did I apply for any loans or banks accounts through them or any other company. I tried contacting the company directly and could not get through. 

Source : Experian Company : XXXX BANK XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ND XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

I get 3 spam calls a day, every week, except weekends. This has been happening for years. It is a Robocaller, asking for a debt to be paid under someone else 's name. They never answer when you call back to tell them to stop. 

I have blocked the number, but I can still see in my call history that they have attempted to call. I've been part of the Do Not Call list for years. 

This is the list of the times and dates that I received calls in just a week- there is more, but I've only added a week for the sake of this complaint : XX/XX/2020 - XXXX, XXXX, and XXXX. 

XX/XX/2020 - XXXX, XXXX, and XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX, XXXX XX/XX/2020 - XXXX ( I've attached a screenshot of my call history to this complaint )
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card platinum secured account opened on XX/XX/XXXX and all history was removed by request of XXXX  XXXX of 12 month history along with the tradeline of {$600.00}. XXXX XXXXXXXX denied this and stated that the account number is reporting to all credit reporting agencies when it is only one and that is XXXX. The tradleine omg with the excellent payment history was removed by request of XXXX XXXX for XXXX and Experian. I have contacted and communicated with both CRAs and they both stated that this was indeed by request of the creditor XXXXl XXXX. Now the account is open and active and I do keep the tradeline in very good standing with payment history and use the the credit card. My complaint is I have disputed with XXXX   XXXX since XXXX and they keep sending their results of the investigation to me stating that the tradeline are verified reporting to all CRAs when indeed its not only to one which is XXXX. XXXX  XXXX does not know why the account was removed and denied that they requested for its removal and stated in a letter that they have verified its posting to all three CRAs by sending a letter also stating that. I asked by how did they verify this posting of the tradeline and by what means and keep sending a letter stating that its posting and posting accurately which it is indeeed only reporting to XXXX and not XXXX and Experian. The situation still is not corrected and they have had enough time to allow for its resolution. The CRAs XXXX and Experian have both stayed that they need to submit an reinsertion of the trader line and of XX/XX/XXXX none have been submitted this has been ongoing since XX/XX/XXXX. This is indeed a clear violation of the fcra for inaccurate reporting and only reporting to one CRA and removal of the reporting on XXXX and Experian resulting in loss of age in credit history and fico scoring XXXX XXXX have not went to any verification of its reporting or beyond to make sure that it is indeed reporting they have had well over 30days to correct the problem and have failed to do so this account ending in XXXX I have included reports from XXXXXXXX XXXX credit monitoring service as well as the Experian report. I have an old account and another active account with XXXX XXXX old account dating from XXXX that was settled and another that is active which is XXXX opened XX/XX/XXXX these are not to be confused with the account that is still open and active opened XX/XX/XXXX with credit line of {$600.00} account ending in XXXX which is the account removed by XXXX  XXXX to the authorized users on my account their reporting which is weirder and I have included the XXXX report showing the tradeline from XXXX XXXXXXXX of 602 reporting the only cra reporting it.
Product: Mortgage

On XXXX/XXXX/XXXX, I consummated a Home Equity Conversion Mortgage ( HECM ) Loan with XXXX XXXX XXXX in the amount of {$350000.00} with an interest rate XXXX XXXX 

The loan is based on an appraisal performed by XXXX XXXX on XXXX/XXXX/XXXX. XXXX XXXX was hired by XXXXXXXX XXXX XXXX and appraised the value of the property at {$230000.00} Foreclosure Action Against Me On XXXX/XXXX/XXXX, a Lis Pendens and a Foreclosure Complaint were filed by XXXX HECM Acquisition Trust XXXX ( who bought the mortgage from XXXX XXXX ). 

The complaint contains 3 different allonges to the note and mortgage assignments that show ownership was transferred multiple times. 

The first Allonge and mortgage assignment appears to have transferred ownership of the note from XXXX XXXX XXXX to  XXXX XXXX XXXX in XXXX. 

The second Allonge and mortgage assignment indicate the note was assigned from XXXX to XXXX XXXX in XXXX. I was not informed of this transfer. 

The third Allonge indicates the note was endorsed in blank by XXXX  XXXX. the third mortgage assignment indicates the mortgage was assigned to the XXXX XXXX XXXX in XXXX. I was not notified about that transfer either. 

Transaction History I requested a copy of the transaction history from XXXX  XXXX. However, it was incomplete. The transaction history begins at XXXX/XXXX/XXXX and ends at XXXX/XXXX/XXXX. This would make validating the amount of the debt almost impossible. There is also no indication of me not paying my taxes or that XXXX paid them. 

After XXXX began foreclosure proceedings, I began researching my loan because things that XXXX was alleging in the foreclosure complaint did not seem right. 

First, the legal description indicates the lien was not properly conveyed to the property. The legal description on the mortgage does not match my deed. 

At some point during the origination of the loan in XXXX of XXXX, XXXX XXXX XXXXl committed mortgage fraud by giving FHA fraudulent information about this loan to get it approved. 

XXXX XXXX XXXX gave me a reverse mortgage in the amount of {$350000.00} on a property valued at {$230000.00} according to the appraisal supplied by XXXX XXXX. 

Being XXXX  years old at the time of consummation, I was only eligible for a maximum LTV of 55 % of the value of {$230000.00}. My reverse mortgage should have only been in the amount of {$120000.00}, not {$350000.00}.
Product: Vehicle loan or lease

Please send me The Account Statement for XXXX to my address XXXXXXXX XXXX XXXX XXXX XXXX oh XXXX immediately. Thank you.
Product: Credit reporting

There are XXXX inquiries on my report which I did n't authorize and I have asked Transunion to please review and remove the inquires off of my file. I never authorized XXXX XXXX, XXXX or XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.
Product: Credit card

I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in aXX/XX/XXXXXXXX bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have Capital ONE showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech! I have reached out to Capital One several times after receiving calls, past due statements with 2 cards and a Kohls account - not mine
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I received a phone call from someone identifying themselves as an Investigtor and that they were trying to contact me regarding my brother. It was a debt collector. I do not even have contact with my brother and this company is calling me on my unlisted phone number which my brother does not even have and I do not know how they got it. They are now continuously leaving messages on my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation XXXX. 

Equifax is reporting the XXXX XXXX account which is identified as an installment loan which is factually incorrect. The true account type is a credit sale agreement. I have a right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file. 

XXXX XXXX is required to report accurate information. The continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my XXXX credit report and XXXX hard inquiries on my Equifax that are fraudulent and a result of identity theft. I never authorized these hard inquiries or filled out any credit applications. These are a result of identity theft. I need XXXX to remove the following hard inquiries from my credit report immediately. XXXX XXXX XXXX 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. I need Equifax to remove the following hard inquiries from my credit report immediately. Equifax ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LENDING CLUB CORP XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. lending corp has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1100.00}
Product: Student loan

Some time in XXXX, I filled out a form to let them know that I have a debilitating XXXX and have had it for decades, and that I was waiting on a hearing at Social Security. They wanted me to send proof that I was XXXX, but I have no proof until I'm approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about the XXXX of this year, I closed a blue cash card with American Express, after calling and asking them what the payoff is. 
In XX/XX/2019, I received a notice that American Express reported me to XXXX, XXXX, and XXXX for non payment. I called American Express and discovered that they had reported me for {$4.00}, however, they stated that they showed I had paid it and not to worry about it. 
Last week, I received notice from all three companies that I was AGAIN being reported for non-payment of the {$4.00}. I called American Express and AGAIN they told me not to worry about it, that they had taken care of it. 
On XX/XX/2019, I received a bill from American Express for {$4.00}. I decided I would just go ahead and pay them again, however they did not give me an account number. They only gave me the last few digits. Accot. ending in XXXX. The rep said she could not accept payment because the account was closed and in good standing. 
I immediately filed a dispute with XXXX, XXXX, and XXXX. XXXX sent me an email atating they had made a decision. When I tried to get the results on line, I was unable to get them, so I called. The XXXX  rep and her supervisor, refused to give me the results because when they asked their so called, " security questions '', they asked if I had a mortgage ... I do not. My house was paid off years ago, they were dissatisfied with my response and REFUSED to tell me the results of the dispute. They stated if I wanted to know, I would need to write XXXX. XXXX   has only given me 30 days to respond to them ... the time it would take for me to hand write them and for them to give me a response, will far exceed this time limit. 

Can you help me, please??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Dear Sir or Madam : I am the victim of identity theft. I am writing to dispute fraudulent charges on my credit reports for the reporting providers listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent! 
I am requesting that the charge be removed from each reporting agency. I have not received any account number or correspondence regarding these accounts. Pursuant to the law, I am providing you with the following documentation, so that you can verify my identity : ( A ) A copy of my drivers Please investigate this matter and correct the fraudulent charges/debit as soon as possible. 
Sincerely, XXXX XXXX