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

The credit card is a XXXX from XXXX XXXX. It has {$13000.00} limit. It is not my card. It is my husbands card. XXXX asked my husband if he would like to give his wife a card. I didn't want the card. Never activated the card. The card was for my husband to transfer higher balances from other cards. XXXX took the card off my account but the credit reporter would not. I think XXXX XXXX  took it off but XXXX would not. That is were the problem is. I have excellent credit and would like the score to be higher but it won't because of this card that is not mine. The two credit Companies have different scores. They should be the same and higher. Can you tell me why my credit score is not at the very top of the chart? It is almost there. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XX/XX/XXXXspecifically debt bondagewhich falls under trafficking as defined by the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XX/XX/XXXX debt bondage. 
According to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), credit reporting agencies are required to block and remove any adverse information resulting from human trafficking within XXXX business days upon receipt of sufficient documentation. Furthermore, XXXX C.F.R. XXXX mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with XXXX C.F.R. XXXX ( b ) ( XXXX ). As only XXXX forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have a mortgage on a property that requires flood insurance. Suntrust bank requires a copy of the policy annually. My association has the insurer forward the updated policy annually. For the last 2 years, at least, they have claimed that they have not received it despite it being sent via fax 3 times, with loan number included. I have been threatened with forced flood insurance in multiple letter mailings. Each year I have to make numerous calls and the representatives I speak with refuse to give me access to a manager. They claim they will send an email to inform the " managers '' but I can't speak to one. In an effort to resolve this issue, both this year and going forward, I spoke directly with my insurer and had a conference call with a representative. They refused to allow the insurer to speak with a manager as well. They claimed they will email a manager and that they would contact my insurance representative in 24 hrs. I will never take out a mortgage with these people again. My time is valuable and I have lost hours of it in attempting to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX is a victim of identity theft. He was notified by your Capital One bank of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX and again XX/XX/XXXX related to that application. An official dispute of this information was provided to Capital One Bank XX/XX/XXXX however as of this date Capital One Bank has failed to reply to the status of the investigation as is their obligation. This is a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX  that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX  ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.
Product: Debt collection

We would like to seek your help with an issue that we have been having with the mortgage servicer/debt collection. The mortgage servicer has violated the Real Estate Settlement Procedures Act. While they held an encumbrance on property and they didn't notify the transfer in timely manner to the borrowers. They sent us the documentations showing the property was transferred from XXXX   XXXX XXXX until last year. Even through they had it transfer since XX/XX/XXXX according to the documents they recently sent us. 
They have done so, after we contacted CFPB last year to explain our frustration with the lender. We didn't know if Real Time Resolutions had an interest in the property since XX/XX/XXXX. We know about the lien through a closing in XXXX. 
Due to all the mortgage frauds that have occurred so much in the country, we made several inquiries to the servicer to require the " Legitimacy '' of the encumbrance. Again, they never told us or explained their right on the property till last year once we contacted you. Recently, we received one of their statement saying they will proceed foreclosure on the property. This loan has an interest RATES of 11:55000 %. 
This unscrupulous lender has hidden the mortgage, where we would be eligible for a loan modification while the 1st mortgage was modified with an interest rate of 2 % and a reduce principal in XXXX. We believe their action is deceptive and misleading.The lender mentioned, they have contacted us, after we filled for bankruptcy chapter XXXX in XXXX. Yes, we did file for bankruptcies at the moment of great financial challenges, but we never file with their account. Because in XXXX we didn't know about their existence. 
Real Time Resolutions has failed to disclose in the initial written communication with borrowers.They have used unconscionable act by keeping the account in silence to take advantage of high interest rates. Due to misleading and deceptive acts of the lender. we are asking Real Time Resolutions to release the ENCUMBRANCE of the property free and clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I received a fraudulent XXXX from Block, Inc. ( Cash App ) XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. I don't have or never had an account with this company and have never done any business with them ever. I contacted the company on XX/XX/XXXX and talked to a person named XXXX. She wasn't helpful and only said to submit a case with identitytheft.gov which on did on the same date of XX/XX/XXXX. I've also submitted a police report with my local police department since then. I need this resolved so I can complete filing my taxes.
Product: Checking or savings account

I opened a business account with XXXX XXXX in XXXX montana. I asked her if there were any fees and she said no. I also asked for electronic communications. I have been charged XXXX $ XXXX for paper statements. I haven't done a thing with the account, no payments, checks, deposits or anything. I asked for my money back 3 times when I came into the bank 3 separate times. A banker closed my account this last time I was in the branch ( today XX/XX/24 ) without my consent. Now I am having an additional issue to reopen the account so I can get my XXXX XXXX I spoke with XXXX XXXX the first two times and nothing was done. I want to file a complaint because they didn't explain fees, lied about costs, and wasted 3 days of my time so far trying to get my money back and close my account. The manager XXXX XXXX was not knowledgeable about procedure and unwilling to offer any help. This is the worst bank I've ever dealt with!
Product: Checking or savings account

I filed a complaint with Huntington Bank because XXXX and XXXX charged me {$170.00} on XX/XX/2020 for a canceled transaction. Huntington does not review disputes. They automatically find in favor of merchants committing fraud or other inappropriate consumer practices, in this case charging me for a canceled transaction.
Product: Credit card

Citi closed my credit card and asked me to pay the remaining balance on the card. I did not receive any of the statements after the card was closed, and my access to online statements and online bill pay was blocked by Citi. When I called in, I was given no information on my account, and was told that I would receive a call back from a supervisor to discuss the issue within 1-2 days. I never got that call back. I was charged late fees and interest totalling {$50.00}, which I refuse to pay. I was told that I have to pay these fees because the statement was sent. Bottom line is, I did not receive any letters, statements, emails, notifications, texts, or communications of any kind after my account was closed. I was told by Citi that in order to get the fees removed, I would have to write a letter to the President. This is ridiculous and extremely disrespectful of my time.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and are not factual and should not remain on my credit report. 

XXXX - XX/XX/2024
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Product: Debt collection

XXXX XXXX XXXX contacted me via letter on XX/XX/2017 claiming I had pending debt of {$490.00} with cXXXX XXXX. They had attempted to collect a debt that I was not made aware of that it had gone to collections. I requested them to verify debt and they were unable to verify the amount they are claiming I owe. I would like to get this negative remark removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX  XXXX - XXXX XXXX {$14000.00}
Product: Credit reporting

I have an unverified account from XXXX account # XXXX that was placed on my credit report and I have been trying for over XXXX months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my XXXX dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Trans Union has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and Equifax credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Found 5 accounts on my credit report in the amounts of XXXX, XXXX and XXXX reported on XX/XX/2019 from Assetcare LLC. I called the company and asked them about the amounts and they would not give me information or why they were put on my credit report for XXXX. I filed a dispute with XXXX for the XXXX. The above amounts are old collections that fell off after 7 years and they put them on. I never received a call or a bill for these amounts and what they are for.
Product: Credit card

Paypal credit advertises a scheme where no payments need to be made for 6 months. However, interest charges are accrued over that period and charged if a complete payment is not made at the end of 6 months. Due to this scheme I just missed XXXX payment but was charged the full deferred interest for 6 months XXXX like missing XXXX payments XXXX. I believe there should be sufficient information about the interest that will be charged XXXX dollar amount ) in such a last statement should a payment be missed. Basically, I was charged this fee just for missing to read XXXX email. It would also bode well for credit companies to make some exceptions on the fees when a genuine mistake was made in making a payment. Consumers would gladly pay interest/fees where it 's clearly agreed upon. 

I believe the company is preying on consumers by giving them a " free pass '' for 6 months only to charge them the whole fee hoping they miss XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a notice of deispute to verify or delete derogatory items on my credit history, two so called debts from Department of education, & one from the XXXX XXXX XXXX. I submitted this dispute to all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX XXXX, on XX/XX/2019, Requesting the Equifax Credit Bureau verify the account actually exists by providing me proof of the Original Consumer Contract with my Signature. All three credit bureaus failed to validate the so called debts with the original consumer contracts with my signature, responding that they were verified. I requested the proof that these debts even existed they did not provide the proof. This is damaging my credit history and score by providing inaccurate data to companies that are willing to loan me funding. I need this issue resolved immediately.
Product: Credit card

i did NOT open these account on my report Capital One Auto Finance XX/XX/XXXX to present XXXX  card XX/XX/XXXX to present
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help from the consumer bureau I dont know what else to do with Trnasunion beside you sue Transunion After I sent a letter and also reporting to the consumer Bureau They sent me a letter saying that they are unable to process my request because they are unable to determine the nature of my request or is illegible I sent several Letters and disputes with details and proof and even like that they have the nuts to say they dont know what is the nature On my reason Transunion is one of the worse of all the credit bureau XXXX could it understand the nature of my dispute but not Transunion Doing over and over violations of my rights I sent a letter telling that the last date active were wrong, and didnt even match with any other reports So my disputes are trash? 
Last letter to sue Transunion They are treatment in an unfair manner and violating the credit act They say they had investigate I dont believe that Im suing Transunion After the conclusion of the report
Product: Student loan

I have had several issues with MOHELA since signing up for autopay, but this issue has been the most disheartening and disappointing. I have found charges from previous months with three discrepancies and one payment that has not registered at all. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement has a payment of XXXX reported. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. 

Lastly, I had two charges of XXXX that came out this month, in addition to additional charges ( those have registered on my account, thankfully ), but one payment, the one on XX/XX/XXXX, has not registered on my account at all.

In total, my student loan account is missing XXXX, in addition to whatever I paid on interest that didn't calculate the correct amount that I actually paid.

When I called about the issue, I was put on hold for 2 hours after speaking to someone who redirected me to customer service. I never was able to speak to them and hung up.
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 willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXXXXXX
Product: Debt collection

I am completely unaware of this account and believe this is fraudulent information that has appeared on my report.
Product: Debt collection

Received a debt collection from ARM Solutions for a debt of {$130.00} that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.