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

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts : XXXX XXXX XXXX-Account number XXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX-Account number XXXXXXXX XXXX XXXX XXXX-Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " XXXX XXXX '' at : XXXX with reference number : XXXX. 

I called this number and they said they had a Lawsuit filed for a GE Account ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am XXXX. 

He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! 

This GE/SYNCB, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. 

The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. 

They also called ALL of my Relatives before they called me! 

I sent GE ( now SYNCB ) & the collection company ( XXXX , XXXX ) a Cease & Desist letter several years ago and have not heard from them since. 

I am currently looking into my legal recourse against them.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX we entered into a contract with Renewal by XXXX local New Mexico installer ( XXXX XXXX ) for replacement patio doors in the amount of {$47000.00} ( subsequently revised to {$37000.00} ), with financing provided by Momnt ( XXXX XXXX XXXX XXXX XXXX, XXXX. In XXXX, 2024 we became aware that the installer did not hold a valid contractors license, had numerous lawsuits against it and had ceased operations. We immediately notified Momnt and requested cancellation of the promissory note and return of {$4000.00} advance payments on the note. Momnt has refused.

We believe Momnts practices were predatory and as they failed to monitor its business relationship with the installer and knew or should have known that the installer was not authorized to enter into this financing arrangement with us.We have received no products or services and have been notified that we are obligated for the full amount of {$47000.00}.
Product: Credit reporting or other personal consumer reports

I have recently looked at a copy of my credit reports from XXXX, XXXX, and Transunion and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity to obtain credit.
Product: Credit reporting or other personal consumer reports

I sent in a request that they remove any old addresses because I am not associated with them anymore, XXXX already deleted this information but I am not sure what the problem with Equifax is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$690.00} Party Owed : XXXX XXXX Amount : {$770.00} INQUIRIES XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I am disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened several disputes regarding a bankruptcy on my credit report. Regardless of what documents I send them, they fail to do an actual investigation. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with XXXX of their representative 's, I was told to create an account on XXXX, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from XXXX that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including my social security card and my drivers license. This needs to be removed from my credit report permanently.
Product: Credit card

I am an XXXX military member and signed up for the Barclaycard 's Luxury MasterCard Gold Card which carries an annual fee of {$990.00}. It became well known though that they would waive the annual fee for XXXX military members and lower the APR to 0 % while the cardholder is on XXXX. This is the case when I signed up and was informed that they indeed were providing those additional benefits under XXXX. Those benefits are above what XXXX calls for, but nonetheless, they are benefits that were promised and initially granted. I was told that I would pay no annual fee as long as I remained on XXXX. 
About a month ago, I received a letter stating that they would no longer waive the annual fee and that they were not grandfathering me in, although I had already signed up for the card about 7 months ago and was explicitly told that I would not be charged the annual fee ( the 0 % APR remains in effect ). They have reversed course on a deal that they were providing ( understandable ) and were not going to honor that deal that they had already made to current members ( not so understandable ).
Product: Mortgage

My mortgage is with Virginia Housing Development Authority. I pay my mortgage online and this month there was an additional fee of {$350.00} indicating it was a fee for possibly mitigation and/or short sale ( it was n't clear ). I tried calling VHDA but could not reach them. I tried just paying my regular mortgage fee but the system would n't allow me to. Last year my loan was mitigated in XX/XX/XXXX and I tried a short sale in XX/XX/XXXX which was denied in XX/XX/XXXX. There was NO indication there would be a fee for these actions. Nothing was said to expect a fee at any time. In my estimation, this fee is purely extortion - a scheme to bilk a customer they already know is experiencing financial difficulties.
Product: Credit card or prepaid card

Citi Bank credit card enrolled me in their payment safeguard program without full explanation of the charges.I honestly do not remember even consenting to this program. I would like proof or my consent but that could not be provided when I called the safeguard program. I have never used or benefited from the payment safeguard program, but continued to be charged for it. This program has caused me to accrue hundreds of dollars of additional debt. I feel taken advantage of and played a fool. I now have to pay extra money for something I have never used or even asked for.
Product: Mortgage

Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.
Product: Debt collection

This company popped up on my credit report out of the blue. They say I owe XXXX money which is impossible because I have been with XXXX for years and I would n't be able to continue service with an outstanding balance. I contacted XXXX and they have no record of the account. I attempted to get the account removed from my credit reports but they are saying the debt is valid. So if XXXX has no record and i am a current XXXX customer, and have been since 2008, how can i owe them money?
Product: Debt or credit management

I had signed up for Tomo Boost/Credit to raise my credit score. They have not reported anything and I have not received any services from Tomo Credit. I have been trying to cancel the subscription for a year. Tomo continues to take {$8.00} a month from my account despite numerous emails requesting cancellation.
Product: Debt collection

I had 2 credit cards in my name from Capitol One due to identity theft. They erased one and said that it matched the fraud I reported. The other card they are refusing to delete because they state the address and information used to obtain the card is correct. The credit cards both had the same address and information used to open the cards so how can one be fraud and one not be? I have argued with them for a year and they will not fix this issue so I will be going to every length I can to have them fix this. The credit card in question has a balance of XXXX dollars and was opened XXXX both I do not have the information to the fraudulent card they cancelled but they were both opened around the same time using my same information and either of them are mine. They refuse to delete this one and it is wrongfully effecting my credit
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section XXXX, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXX : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Debt collection

The dispute letters were sent to all 3 major credit bureaus as well as the creditor on XX/XX/year>. 

I did not receive the information requested to validate my owing this debt, therefore, per the law, it must be removed from my credit report.
Product: Debt collection

in XX/XX/XXXX I requested proof of signature on loan documents from XXXX 's, XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX and XXXX XXXX and again in XX/XX/XXXX. Also have filed several disputes over the last year and a half they keep verify the debt as accurate. I also have file multiple request For XXXX XXXX, XXXX and XXXX. XXXX and XXXX remove the accounts and just recently put they back on my reports no one will prove it I have made over a dozen request with each credit agency and company. I know they can not prove it because I never signed anything.
Product: Debt collection

Receivable management systems have been trying to collect A {$470.00} debt from patient first from four years ago maybe like 4 1/2 years ago they have been destroying my credit they have been reporting two times a week instead of once a month as they should this is ridiculous at this point Id rather them take me to court and try to sue me for it because if I show the judge what they doing is illegal I have tried to dispute it Ive asked them to remove it its past the time it should be on my credit they dont care they do what they want to do I feel hopeless and I really need the debt removed off my credit What happened is I felt stick at work for years ago I went to the doctors at XXXX XXXX they check your insurance to see if its active it was going to expire two days after that visit they said it was accurate the doctor saw me they must have tried to charge the insurance After the two day market and because that is expired and they couldnt get their money this is not my fault and they have been harassing me And now the law has changed They cant put any days on your credit thats less than {$500.00} they recently reported on my credit and up the balance Please resolve this I rather spend {$470.00} on a lawyer than them
Product: Debt collection

Hello! I keep getting a call from Allied Title Lending LLC saying that I owe a debt and since Im not cooperating theyre sending agents to my HR department and to my home to arrest me. I called them back at : ( XXXX ) XXXX and spoke with a woman who said the same thing and when I told her I filed bankruptcy she rudely cursed me out and hung up. I called back and the same thing happened. It was further explained that I NEVER took out a title loan and again, if I had, its too late to collect because of the bankruptcy. This has been going on for days! The supposed debt ( under an address I never lived at by the way or even heard of ) is from XXXX. I filed a chapter XXXX in XXXX and a XXXX XXXX in XXXX. Those debts are no longer valid at all! This company knows that and when I referred them to my attorney they hung up each time. When they did talk, they could not tell me the location of this loan, who signed or showed ID for it, the dollar amount - nothing! This has to be a scam.
Product: Student loan

I am writing to dispute inaccurate information related to my account with DPT EDXXXX ( Account Number : XXXX ) on my credit report. After reviewing the account details, I have found several discrepancies that require correction. The inaccurate information is as follows : XXXX. Date Opened : Reported inconsistently as XX/XX/XXXX and XX/XX/XXXX. Please verify and correct the accurate opening date. 
XXXX. Date Last Active : Inconsistent reporting with dates of XX/XX/XXXX, XX/XX/XXXX ( Updated ), and XX/XX/XXXX. These dates conflict, and I request that the correct date be updated. 
XXXX. Date Last Payment : Listed as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Updated ). These dates are incorrect. Please review and update with the accurate date of the last payment. 
XXXX. High Credit : Reported as {$3000.00}, which I believe is inaccurate. Please verify and correct this amount. 
XXXX. Balance Owed : Listed as {$3200.00}, which I believe may be inaccurate. Please verify the correct balance owed. 
XXXX. Last Reported Date : Reported inconsistently as XX/XX/XXXX, XX/XX/XXXX ( Updated ), and XX/XX/XXXX. Please ensure the correct last reported date is reflected. 

I kindly request that you investigate these discrepancies and correct the errors as per the Fair Credit Reporting Act ( FCRA ). Please notify me once the corrections have been made and provide me with an updated copy of my credit rep
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking to start a new job and I buying a car this month I noticed that my infomation was not accurate of my credit report. I would like to update my file. My Name is XXXX XXXX XXXX Please delete/remove any other version of my name.The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX There is more than one XXXX XXXX in my area and I dont want my information confused with his information.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Based on my most recent credit report, NCB Management Services has been reporting a collections amount of {$11000.00} which is for a XXXX XXXX that was repossessed by XXXX XXXX XXXX. 

On my credit report, XXXX XXXX XXXX reported the account CLOSED as of XX/XX/XXXX ( said XXXX XXXX was repossessed in XX/XX/XXXX ). 

NCB Management Services nor XXXX never reached out to me to inform me of the collections and though the account is closed with XXXX XXXX XXXX, NCB Management Services has never contacted me via mail, email, text nor phone regarding this account. 

NCB Management Services continues to report the account to the 3 major credit bureaus in order to keep that account current and longstanding. 

In an effort to purchase a home, this has been a major issue with the underwriters. 

I wrote a letter to the 3 major credit bureaus to verify the account and it validity and the remarks were unfavorable because at no point was it stated how the account was verified. 

Thank you for kind assistance on this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I contacted TransUnion to inquire about 6 employers showing on my consumer file that Im not associated with. TransUnion indicated they received this information from another 3rd party reporting agency and they cant remove those employers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Back in XXXX we applied for a XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and market crashed. The B of A loan modification was handled back east. They lost loan refinance paperwork several times. Finally after like 3rd try the loan was handled and docs signed. 
Then when we started making mortgage payments according to the loan agreement, Bank of America would not accept the payments and sent it back. Stating not accordance to their agreement. The Attorney we met with through B of A stated to just keep mailing the payments in. 
Clearly the west side of BOfA didnt have a clue what XXXX XXXX of BOfA was doing. When we would call they couldnt find any of the paperwork. After years of sitting on this back and forth frustration is at its high feeling like you have know one to back you. You try and move on. Even after our moving and had forwarding addresses in place we had never heard of any help regarding the bank defrauding homeowners. Over the last few years talking this over with my husband you still feel like you have no help in this matter. This was my home of XXXX XXXX and we raised or children there and it was the investment of our lifetime. This was such an injustice done. Is there still anything that can be done???
Product: Checking or savings account

Received multiple calls from a XXXX XXXX which I was unable to answer. At the same time I received a text from XXXX XXXX XXXX XXXXXXXX claiming to be the fraud alert from my bank saying there was an unauthorized purchase of over {$1000.00}. I responded " no '' to the text. Then I was called from XXXX XXXX XXXX XXXXXXXX. The ID said it was my bank. Did not give sensitive info, I had disconnected. Called my bank and they said there was never any charges and they never made any contact.
Product: Money transfer, virtual currency, or money service

I am writing this complaint because of the concerns i have and my previous issues with zelle. Mainly regarding the way Zelle handled my issue and also when i disputed it. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I used zelle many times and i have reported discrepancies, and when i did my financial bank said i would have to deal with zelle and zelle said i would have to go through my bank and it was a huge going back and forth thing and just giving me the run around. i was informed that my funds were impossible to be recovered.