23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PLEASE DO NOT REJECT THIS COMPLAINT. THE LOAN/ACCOUNT IS IN XXXX XXXX XXXX NAME AND I 'M XXXX XXXX THE RIGHTFUL OWNER AND THE ONLY OWNER TO THE PROPERTY SECURED BY THE CURRENT LIEN. I 'M NAME IN THE FORECLOSURE ACTION / LAWSUIT AND I HAVE ATTEMPTED TO RESOLVE THIS MATTER. 
I have tried to save my home for nearly 2 years or more now. I have continued to receive the runaround from the following parties XXXX XXXX with The XXXX XXXX, Selene Finance and their various representative, XXXX Mortgage XXXX XXXX. I provided all the documentation that was asked of me to include a plan to resolve the mortgage and unfortunately no one has responded back to me. The loan is currently in the name of party who is non responsive however through a court order the house was awarded to me. Please help, I want to save my home and I can afford it. See all documentation and communication.
Product: Debt or credit management

XXXX XXXX XXXXXXXX transferred my mortgage to Shellpoint mortgage servicing, even after I pick up a copy of a certified copy of my satisfaction of mortgage for the clerk 's office in my city. this is mortgage fraud, and they are trying to avoid being held accountable for criminal charges
Product: Credit reporting or other personal consumer reports

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

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

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 asked them to stop call told them my brother was XXXX and I did not give authorization for them to contact me and at least 3 to four times a month they call me ... I say the same thing this is not his number and he is in XXXX please take my number off the list and stop call.. I asked for company name and info and they refuse to give it to me ... XXXX ( XXXX ) XXXX EOS. They are rude and wake me up too often not to even be my bill collector ...
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT 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 I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I have been trying to access my credit report for 3 months I have tried everything with experian. To the point where I'm exhausted they will and have not uploaded my address to my experian. Credit report I have mailed in documents and I have called numerous of times there saying that they have not received any information regarding.my documents of my current address to submit it to my credit report this is an inconvenience for me for the last 3 months I have complied with them for 3 months no result.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have XXXX PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TRANSUNION I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible 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
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX. I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this account. If the information can not be verified, it must be deleted promptly.I am disputing the validity of this debt in its entirety, the account in question is reported by XXXX XXXX XXXX XXXX  and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$1200.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Profit and loss write-off. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXX XXXX XXXX, as required by the FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$1200.00} is shown as 136 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$1200.00}, which does not align with my records. The presence of this incorrect charge-off and collections status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

working with XXXX XXXX XXXX, We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported XXXX  as delinquent in XXXX of XXXX  before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made attempts to request feedback regarding hard inquiry placed on credit file. Company failed to comply according FCRA guidelines. Sent letter via certified mail. Company failed to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights were violated under 15 USC 1681b ( a ) ( 2 ). I filed a complaint to have these accounts removed with Transunion and they didnt respond
Product: Credit reporting, credit repair services, or other personal consumer reports

For years now Ive been fighting with this company Comenity Bank to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Product: Debt collection

XXXX  is not helping the consumer and is allowing these collection agencies to place fraudulent accounts on my file. on XX/XX/2021 I submitted dispute Confirmation number : XXXX with a due date of XX/XX/2021 for an account that is not verified as belonging to me, and the collection agency MERCHANTS CREDIT GUIDE would not provide a copy of the executed contract as requested prior to filing the dispute with the credit bureau.MERCHANTS CREDIT GUIDE did not provide the requested verification documents within 30 days therefore XX/XX/XXXX deleted the account from my file. However, on XX/XX/2021, MERCHANTS CREDIT GUIDE somehow resubmitted the same exact account to my file as a duplicate for approximately 5 days (XX/XX/2021-XX/XX/2021 ) at which time XXXX removed the original disputed item sent XX/XX/2021 which violates guidelines to have the same collections account on my file twice at the same time. I called XXXX to ask how's this possible and was refused to speak to a supervisor after the agent stated he can not expedite the deletions request, he can only resubmit the dispute of the new account and allow another 30 days for MERCHANTS CREDIT GUIDE to respond. This now allows the collection agency a total of 60 days to provide proof of account instead of the given 30 days. Again, the collections agency has refused to provide an executed contract and validation of ownership of this account. XXXX  has opened a new dispute today XX/XX/2021 Confirmation number : XXXX for the same exact item I disputed over 30 days ago. This should be removed immediately and case closed. However XXXX  is not willing to help the consumer, only the collection agency and this isn't fair to me as a consumer.
Product: Credit card or prepaid card

For no apparent reason XXXX  XXXX XXXX closed 4 credit cards. All of the cards were either paid in full or the minimum payments required had been met. These cards were never used over the credit limit. When card # XXXX was closed by Citi Bank I had cash rewards of {$390.00} on the XX/XX/18 statement and had made qualifying purchases of {$640.00} on this card which had not been credited to my cash rewards. The company refused to pay me the cash rewards which I had accumulated at the time they closed my card - without any prior notice to me. I paid the balance due on this card in full the month following them closing this card.
Product: Checking or savings account

I opened a Citigold Checking account with Citibank on XX/XX/22. The available balance on this account as of XX/XX/22 is {$9500.00}. Upon accessing my account online, their system notified me that my account had been blocked. I reached out to Citibank 's customer service as well as their fraud department, and have been told that my account had been closed for fraudulent activity, but could not elaborate or give me any additional information. Citibank has refused to refund my money and has informed me that it may take up to 75 days to receive a check for the balance they deem appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have a credit card with Macys stores and on XX/XX/XXXX I returned merchandise to Macys and so the balance on my account was a credit of XXXX dollars and that means Macys owes me XXXX dollars On XX/XX/XXXX I made a purchase for XXXX dollars and so the balance should update and XXXX XXXX dollars credit on my account but when I received my statement the balance was that I owe macys XXXX dollars and the credit for XXXX dollars was NOT showing but this is wrong. 
Macys owed me XXXX for a returned merchandise and then I made a purchase for XXXX dollars so then Macys still owes me XXXX dollars but they are asking me to pay XXXX dollars and that is completely WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous of times for Experian and XXXX XXXX to correct my credit report concerning XXXX XXXX credit card ending in XXXX. They are continuing to report different information. Experian is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION REPORTING IN MY CREDIT FILE. XXXX XXXX is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION! I have tried to get this issue resolved now for the last 6 months now! Please do not send me a response telling me that the information is accurate. IT IS NOT! I am now prepared to take legal action against XXXX XXXX and Experian for not investigating this properly and continuing to let XXXX XXXX report incorrectly on my credit report. I have also written several letters of how, You continue to tell me that the information is reporting accurately and you have done an investigation now I need proof that investigation was done if this is not removed from my credit profiled immediately. 
Time is of the essence
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 6 months I have tried to have 4 fraudulent accounts removed from my Experian credit report. I have sent them a copy of my police report and my ftc report that was also notarized and nothing has been deleted. I am seeking the assistance of a common law attorney- it has been 6 months. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Subject : in reference to previous case number : XXXX PNC bank appeared to understand that our family is under severe financial pressure and that we were trying to make sure that nothing automatic came to the account. We still did n't have money to fund the account for eventualities. However and unfortunately. Even after many efforts to change which bank funds come out of, these XXXX {$25.00} payments slipped through due to a several step process at the other bank 's web interface. 
This happened again, overnight, and, without notice and without a chance to cure anything, the account was thrust into chaos and is experiencing deep predation at the tune of almost {$200.00}. I ca n't even begin to think where I 'm going to get money to satisfy the depredation that is taking place. Call after call, I visited the branch manager, he called them too and was turned away. Our account is being held hostage by PNC. We have the XXXX dollars those payments debited. But they take their fines first so there 's no way to fill that hole. They 're forcing ruin onto us. PLEASE HELP US. We disputed their closure in the previous case, because this all happened so fast, the problem was almost fixed completely but in the last stretch, the bank has turned it 's back again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN and XXXX are reporting a charge off for XXXXXXXX XXXX XXXX Charge offs are income and may not be reported on a consumer report. I have not received a 1099. This account report shall immediately be deleted from all consumer reporting agencies.
Product: Debt collection

XXXX XXXX  XXXX using a creditor called XXXX XXXX XXXX XXXX has contacted me via mail and postal that is saying that I owe a medical debt to a company called XXXX XXXX XXXX that I used a ambulance and XX/XX/2018 and that I owe {$2900.00} and that they will settle for XXXX. 
I never used an ambulance I was never went to the hospital so I have no idea what this is about but I have checked this company on the XXXX XXXX XXXX  website and they are fraudulent there are many complaints about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
PARAMOUNT XXXX Balance {$8900.00} Date Opened : XX/XX/2018
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 - BALANCE {$1400.00} XXXX  XXXX Bankruptcy # XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX