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

I contact Transunion, XXXX, and XXXX about hard inquiries on my report. I got the most push back from Transunion and XXXX but all XXXX told me that they do not dispute the hard inquiries since they are factual data. I proceeded to tell them that I am requestion that they look into these hard inquiries or remove them if they will not. they kept telling me that will not, and they do not look into them. I proceeded to ask for a supervisor and got the same thing. I was told that I needed a police report or to file a complaint with you guys if I didn't like this. I then asked for the legal department because they have to legally look into them because I am requesting a dispute and for them to verify the accounts. They told me I am not allowed to speak to them and if I wanted to, I have to send a letter. They never started a dispute or noted that they would be looked into. I know this because I called back a day later to check if they were being disputed and was told they were not and there is no record of the dispute. This was done the week of XXXX. I told them I would be following up with the CFPB and they told me go ahead, they do not have to look into factual data.
Product: Checking or savings account

The information from the Debit card was stolen and used on XX/XX/year>. An XXXX  source charged the account XXXX XXXX. The owner of the account disputed these claims, which were denied by the bank due to insufficient evidence proving the charges were never made. The owner of the account has now lost XXXX XXXX  from an assumed safe bank account, and can no longer dispute the claims because they have exceeded the one time limit.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Student Loan Reporting Issues Dear CFPB, I am writing to file a formal complaint concerning issues with the reporting and management of my student loans. My concerns include inaccurate reporting of payment history, improper handling of account statuses, and other discrepancies that have negatively impacted my credit report and financial stability.

Issues to Address : Inaccurate Payment History : My student loan payment history contains errors that need to be corrected.

Improper Account Status : There are inaccuracies in the status of my student loan accounts that require rectification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company, Mariner Finance placed a derogatory report on my credit report. The company reported to XXXX  that my account was late for payment and shows as a charge off on my credit report with XXXX The account for Mariner was discharged in Chapter XXXX Bankruptcy in XXXX of 2020.
Product: Credit reporting or other personal consumer reports

I have discovered that incorrect personal information is being reported under my name. This error has resulted in the appearance of unknown and unauthorized information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX # XXXX. 
There is a bogus SS number on my XXXX report ( XXXX ) XXXX XXXX has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.
Product: Debt collection

i did a debt resolution program back in XXXX of XXXX all accounts were added and resolved in XX/XX/XXXX. i reached out to the company that arbitrated the process and they told me once the balances are paid in full, the accounts will be deleted off my report and my credit score will start to rise again. i just pulled my report and i noticed the charges are still there. 

the accounts are as follows : JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX JPMCB ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid in full no date was given only states it was charged off. 
XXXX ending XXXX was opened XX/XX/XXXX date closed XX/XX/XXXX and paid XX/XX/XXXX XXXX XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid XX/XX/XXXX XXXX ending XXXX was opened XX/XX/XXXX was closed XX/XX/XXXX and paid no date given only states it was charged off.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account : XXXX XXXX XXXX ( ALL ACCOUNTS ) account number : XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies my Social Security card, drivers license, and a electric bill. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Product: Mortgage

In XXXX, the XXXX XXXX XXXXXXXX made an error with the property taxes and caused our mortgage to increase. The XXXXXXXX XXXX XXXXXXXX reimbursed XXXX XXXX XXXX ( the mortgage company ) however, the account was not credited correctly. We continued to make monthly payments to XXXX XXXX XXXX until the end of XXXX, when our mortgage was sold to Shellpoint. From XX/XX/XXXX to XX/XX/XXXX, we made payments to Shellpoint, but they stopped accepting payment from XXXX and they are currently disputing that they received XXXX payment, although the funds were withdrawn from my account. The checks for XX/XX/XXXX through XX/XX/XXXX were uncashed and remains in my account. 
We retained the services of an attorney who was working with XXXX XXXX XXXX to address the issue and a few months later, the loan was sold to Shellpoint and an additional attorney fee was incurred. The attorney failed address the issue with Shellpoint. Instead, the attorney brought back an offer of a second mortgage from Shellpoint for approximately, {$30000.00}, that would close the issue without addressing the concerns of the error related to the payments that were made. The second mortgage would remain on the current loan and would be owed to Shellpoint should we decide to sell the property. This offer was refused. The homeowners contacted Shellpoint and they proposed a payment of {$25000.00} to address the outstanding balance and bring the account current or the property will go into foreclosure. They acknowledged that there is an error on the account that was not caused by the homeowners, however, they have not attempted to address the issue to show where the error occurred and make corrections. Instead, they placed the homeowners in financial and emotional hardship, discard the request to show where the error occurred and what took they steps to make the necessary corrections. There are late payment and bankruptcy charges the homeowners are being held responsible for, as well as negative credit reporting that has affective the homeowner credit scores.
Product: Money transfer, virtual currency, or money service

I received my crypto distribution from XXXX after waiting XXXX XXXX for it ( forced to partner with PayPal ) As soon as PayPal received it they locked my {$90000.00} in XXXX for XXXX days. Its been XXXX  days they still wont release my funds. The account has no negative balance and I have verified ALL the info they asked me for yet they still wont release my funds. I am borderline XXXX right now because of these crooks. XXXX has fallen XXXX XXXX and I have lost almost {$20000.00} because PAYPAL WILL NOT LET ME SELL MY XXXX!!!!!! I need my freaking money back guys this isnt a game anymore this is my life and home at stake now. Please unlock my account and allow me to withdrawal my funds like anyone else wouldve. This is beyond messed up. I promise i wont use PayPal again after this
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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

On XXXX I attempted an online loan modification on my car loan with XXXX XXXX in the reduced amount of {$110.00} with the intention to have my previously set up payment suspension program continue until XXXX and for the loan modifications first payment to be due on XXXX. 

I completed the modification online and I made the first payment on XXXX as I believed the first payment date was to be around XXXX for the amount of {$110.00} and that the payment suspension program would continue until XXXX. 

Instead, I later found that the online system calculated an incorrect payment amount of {$1100.00}, effective on XXXX which was the incorrect effective date, and due on XXXX just two days after the request was made. I also did not receive notifications via email about a payment reminder or anything related to a late payment after this modification was completed. 

I put in the request online and now I believe the automated system did not accurately receive the request but I was not aware until I received a 30 day late credit update on my credit, as I received no emails or phone calls that my payment was past due or updates regarding the new total and due date. 

With the attached agreement showing these errors, I am requesting that XXXX update my credit line for all 3 bureaus be updated to paid as agreed with the temporary payment suspension payment program extending to XXXX and with the correct monthly total of {$110.00} instead of 30 days late and a total of {$1100.00}. 

Also, I did not receive any disclosures and notifications on the correct payment amount and due date and the termination date of the temporary payment suspension program, nor did I get any warnings about the next payment being late as other lenders would typically do.
Product: Debt collection

I need some Help with a Collection Agency again that has placed an OLD account on my credit report from XXXX that was handled by the Federal Trade Commision ( FTC ) and all Three ( 3 ) credit companies in the last 3yrs.This is an account that was handled by Medicare in XX/XX/2016. Now another company has been contacting me Via Phone ( on National Do Not Call List/Mail threating to take me to court. Now has Placed it in Collections Again. From Three years Ago. XXXX XXXX..I, m on XXXX, XXXX Veteran and XXXX Survivor . The Company that has taken the account is : Dept Recovery Solutions,XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my Experian ( XXXX and XXXX XXXX ) credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX. Report # XXXX Never opened an account with the company mountain run solution is reporting ( on XX/XX/2021 ) Report # XXXX I do not owe this company {$1100.00} Please, remove from credit report as this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XXXXXX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is demaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complain is to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. In my opinion, such behavior from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Mortgage

Our mother, a resident of Indiana, passed away XX/XX/2020. In the process of settling her final affairs, we realized that a mortgage for a double-wide trailer in Tennessee with Select Portfolio Servicing still existed in her name. In researching this issue we realized her brother 's girlfriend had her illegally sign a quitclaim deed to the double-wide and the land it sits on over to her. Our uncle and his girlfriend live in the double-wide trailer and use our mother 's SSN to access the automated payment system to make the monthly payments. We have tried contacting Select Portfolio Servicing to get them to stop accepting payments on the property, but they refuse. We were told by SPS that as long as someone makes a payment they will continue to let the loan be active. My siblings and I have contacted an attorney in Tennessee and were told that we legally own the trailer and our uncle and his girlfriend legally own the land that it sits on. However, the escrow account for our mother 's loan pays for the property tax for our uncle 's property. The attorney also verified the quitclaim deed was not valid, but the statute of limitations has passed for any legal charges to be filed. Select Portfolio Servicing should have forclosed on the property back when the quitclaim deed was filed since the land used to secure the loan was signed over to someone else.
Product: Credit reporting or other personal consumer reports

Equifax has not removed fraudulent accounts and inquiries from my file even after receiving my ftc report and identification
Product: Payday loan, title loan, personal loan, or advance loan

There's an account showing up on my credit which the name of it is kickoff a type of installment loan that has that is not my account I am the victim of identity theft I have disputed this put a report and I would like to know how was this reported that it was mine the name of the account is kickoff LLC the open date was XX/XX/year> it's reporting on XXXXXXXX XXXX XXXX XXXX I sent an information for them to return a result on how the investigation came about I never received any more information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an e-mail that stated my credit score dropped by 13 points. I was confused as why it had decreased since there were no derogatory marks so I called Experian and they confirmes this as well. I asked Experian what couldve possibly caused the drop and they informed that they could not relay that information which is my sole right as a consumer. They provided no answer to the score drop and basically told me there was nothing they could do.
Product: Debt collection

I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX, and XXXX  ; XXXX XXXX, and most importantly fraudulently. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.
Product: Credit reporting 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, remove the noteworthy of any information in my credit record that came about due to an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I called capital one to remove a late payment that was fraudulent they will not remove it and it is impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to XXXX XXXX : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately