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

Amsher, a debt collector, has reported a debt for XXXX XXXX XXXX  on my credit report. I have no relationship or debt with XXXX XXXX nor have I received any communication related to this debt. It just showed up on my report. I disputed with the credit reporting agencies and it was confirmed accurate by the reporter. It is not my debt. I dont know what it is for. I have a fraud alert and freeze on my credit report for over a year and was never contacted by charter communications to confirm my identity if someone fraudulently used my information. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX account with Experian for the past 6 months. Information on my closed account is inaccurate and they refuse to correct it upon my written request. I have sent in documentation from the creditor showing this account as paid in full after being charged off. This account was charged off in XX/XX/XXXX and this account was paid off completely on XX/XX/XXXX. I have requested that they please reflect this on my credit report. Instead Experian has decided to reflect this account as being charged off on XXXX and XXXX of this year XXXX. I have explained this information is incorrect and needs to be corrected. They have responded twice with placing incorrect information on my report. I have proof of payment reflecting the correct payoff date of XX/XX/XXXX. There should not be any negative data for this year as this account was cleared in XXXX. I am simply asking Experian to delete any negative information being placed on this closed account passed XX/XX/XXXX. Someone at Experian is purposely making it look like I still have ongoing negative credit with this closed account. It's been closed and paid off as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus such as XXXX, XXXX, and Trans Union in XXXX and XX/XX/XXXX regarding the account with XXXX XXXX XXXX  was opened fraudulent. XXXX  XXXX is reporting it with the collection agency XXXX XXXX XXXX, XXXX. I also sent a letter to the creditor and the collection agency explaining the situation with supporting documentation. Credit Bureaus are still reporting the accounts and the creditor still say the accounts belong to me. XXXX XXXX XXXX ( XXXX ) XXXX {$1100.00}
Product: Mortgage

on XXXX 2015 I applied for mortgage refinance from Quicken loans. 
My understanding Quicken loans will inquire about my credit once, instead QL inquired 3 times in less than one month.
Product: Credit card or prepaid card

On XX/XX/2017 XXXX XXXX XXXX cancelled our contract, closed my account and tranferred the account to another lender with a balance of {$18000.00}. Therefore, by the creditor, cancelling our contract terminated any obligation due by the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've tried to work things out with the company I have several CFPB complaints Discover just responds with vanilla responses. 
the accounts were open with a phone that was mine from XXXX XXXX balance transfers were done to accounts that were mine. 
I send them a letter from XXXX showing that I did not nor have I ever had an XXXX account and this is not enough proof to clear my name Now I've reached out to XXXX XXXX and obtained a letter stating that the accounts that were opened in my name fraudulently have been closed and I'm not responsible. I've tried to contact XXXX XXXX with no luck I don't believe they're a real company I can't obtain any information on them. 
XXXX XXXX XXXX said they don't have an account in my name or associated with me so they can't send me a letter I've also sent them proof of my address during this entire ordeal and my address doesn't match the address used to open the card.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check with Bank of America for {$3200.00}, I received the check from a lawsuit settlement, the deposit was made via ATM. For some reason bank of America placed a hold on the funds untilXX/XX/XXXX. I called several times and received a different answer each time as to why the funds were on hold for such a long time, each answer sounded like a rehearsed script. On XX/XX/XXXX I emailed the settlement administrator and on the following day, XX/XX/XXXX, I received an email from the settlement administrator stating that there bank released the funds to bank of America on XX/XX/XXXX. But bank of America still refuses to release the hold.
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 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 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 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
Product: Credit reporting

Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Experian for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and its been acomplete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an XXXX ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Experian about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance chargeoffs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report XXXX student loans as paid in full and as agreed since XX/XX/2022 and they still are not reporting my loans as paid off and as agreed. 
See below Group Total Applied Applied to Principal Applied to Interest Applied to XXXX AA {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} AI {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

, i have requested proof of ownership of an account from XXXX XXXX Auto from transunion and XXXX and still have not received any proof. however they are still reporting this account on my report with no proof. the amount is about {$9000.00}, i have sent certified letters stating these facts since XX/XX/2020 and no answers to this date XX/XX/2020.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

In XX/XX/XXXX, I closed on a XXXX bedroom unit in a low income XXXX XXXX XXXX XXXX co-op building in XXXX. Around XXXX, when interest rates dropped to their lowest, XXXX invited me to apply for an Interest Rate Reduction and represented they'd lower my interest rate which would have significantly lowered my monthly payments. I relied on that and submitted the application and paperwork. XXXX reneged and wrongfully denied the interest rate reduction which would have avoided all the horror that has come since. 

About XX/XX/XXXX, XXXX told me they transferred my loan to Shellpoint/New Rez , a debt collector who violates banking laws and engages in illegal, unethical practices. Neither XXXX or Shellpoint would reply to questions about my loan : was my loan sold, and, if so, to whom and for how much? Was my loan sold at a discount to be packaged as mortgage backed securities to investors as a type of collateralized loan? To date, neither of these institutions have replied to these questions. 

In XX/XX/XXXX, my young beloved mother, who I cared for, died as a result of inconsolable XXXX XXXX from burying my sister. My family was dead. My world collapsed. I underwent XXXX major surgeries. Then, XXXX  and the pandemic finished running me over. 

Shellpoint/New Rez has been illegally charging me unnecessary, expensive lender placed insurance fees- a practice which has lead to successful lawsuits against them. I've asked them to return all my money with interest and penalties but, they haven't. Shellpoint has not provided the items requested in formal Written Interrogatories - specifically, copies of files, notes, call logs, etc. Shellpoint has been trying to take my home from day XXXX with foreclosure threats and foreclosure actions. 

Please stop this financial terrorism. 

I'm a XXXX XXXX XXXX woman with severe limitations and health issues. I'm on food stamps, medicaid, and scheduled for in home help and XXXX through XXXX. My body is broken from life threatening injuries and XXXX surgeries and I need more surgery. I have no children, no spouse. All I have is my small apartment in XXXX. But, the multi billionaires at XXXX XXXX and Shellpoint, ( corporations worth {$4.00} XXXX and {$250.00} XXXX, respectively ), still terrorize me with foreclosure threats and foreclosure actions despite the fact that for XXXX long years, I've paid XXXX Bank and Shellpoint a total of about {$250000.00} on a $ XXXX loan. 

I have nothing else in life but my XXXX home of XXXX years. This constant distress of Shellpoint threatening to take it, is torture and it must end - it puts my fragile health in jeopardy of a XXXX or XXXX XXXX. They've already caused me to have a nervous breakdown. 

I beg you to please have Shellpoint, XXXX or any other institution that may be involved here, to close this matter and deem this loan satisfied, XXXX, cancelled or forgiven. Please help me get released from this bondage. 

Thank you for your help, intervention and human decency.
Product: Payday loan, title loan, or personal loan

Yes my son and I apply for XXXX XXXX XXXX With very high interest rate We have been making payments every month 10 payments to be exact and we had pull out our credit report and the company reports the account with a wrong amount more than the initial amount we had borrow and even though we had make payments the amount doesnt seem to go down we never Knew the account was over charge they also are charging extra fee for extra coverage car insurance that we never were told about and when we applied in person we had proof of the actual coverage and they didnt say anything about having to get more coverage or anything like that
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.
Product: Student loan

keep getting denied assess to the account by my husband, after filling out proper forms and send valid power of attorney. They will not follow their own rules.
Product: Credit card or prepaid card

To whom it may concern, I received a letter yesterday ( XX/XX/17 ) dated XX/XX/XXXX informing me that Citi had closed my account due to lack of activity. This was the first communication I had heard from them regarding the inactivity and the potential for closure. 

I called the number on the letter, and requested to re-open the account. I was told that I would not be allowed to do so without a hard inquiry into my credit. This would of course have a negative impact on my credit score. I also requested that they transfer the line of credit onto another of the cards that I have open with Citi,  which was denied. 

I requested escalation and was connected to XXXX who is an Account Manager with ID # XXXX. She told the the same information. 

I have been a long-standing customer of Citi credit card and banking, and by having multiple card accounts across different financial institutions, I am aware as well that these practices -- the lack of notification and lack of remedy without a negative impact to the consumer -- are irregular within the industry, and are highly anti-consumer. Additionally, having an account closed by the company could reflect badly on credit reports and scores as well, both through the closure, as well as the reduction in outstanding credit in the debt/credit ratio. 

Citi knows I am a longstanding customer in excellent standing who has never failed to pay my obligations every month on time, and in fact still sees fit to extend me credit via other cards -- this decision had nothing to do with creditworthiness, just account activity. Therefore, I insist that the account be re-opened without a detrimental hard inquiry into my credit, or that I be allowed to transfer the full credit line to another Citi credit card account. 

Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to my prior complaint dated XX/XX/XXXX, to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The Items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY FINCL XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

I have XXXX, another new one over this past Saturday, fraudulent charges on my account. I completed the process of reporting fraud, received new cards, however, Albert will not return my funds though I never made the transaction. Their finds are not accurate, because I am aware of my balance and report fraud charges on my account, I do not get my money back? How is that right? I have reached put to Albert and they only allow texting, can not speak to a person, especially about fraud, all through text. It's not right! However, what's not right is my hard earned money is not coming back to me and yet I never made the charges I am submitting for and have disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX