23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were behind a payment for XXXX. My husband went to the bank in person on XX/XX/XXXX and ask what we needed to pay to be current and he paid that amount. It was 2 payments plus late fees and was to also cover XXXX. We got our next statement with a past due amount. Again we went to the bank, ask what we needed to pay to get caught up and why/how we were behind? After a few days they said we missed a payment in XX/XX/XXXX and they floated it and it just appeared with accumulated late fees. ( Thats questionable because we were getting calls from Key Bank asking for information in the summer of XXXX so we went to the bank and the young man there said no it wasnt them calling, they would not ask for social security/account numbers on the phone. We ask him to check our account and he did and said it was current and no problems. ) So we paid again and 11 days later got another and then a foreclosure. We paid again, then they said we were paid through XXXX ( in XX/XX/XXXX! ) after we saw {$1800.00} unapplied payments on our statements, plus another {$20.00} fee ( for what? Were ahead ) We had to take money out of our savings. We dont think our statements have been correct.
Product: Debt collection

I disputed this once and received a response from XXXX XXXX stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with XXXX  and Equifax, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. XXXX and Equifax have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.
Product: Debt or credit management

Applied for credit repair and got charged upfront but nothing changed. I incurred harm and damage to my credit since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX XXXX, Equifax is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

_Focus receivables management calls twice a day about a debt. We have no debts with perfect credit, I read about this company and the Gov. should close their doors. They prey on the defenceless.
Product: Credit reporting or other personal consumer reports

I requested additional information regarding alleged balance and was denied, this company also withdrew a payment without my consent.
Product: Checking or savings account

I got an error when trying to log in which said " Online Access Temporarily Blocked '' and to call. No big deal, I've been an Ally customer for 10 years and this has happened before. I call and they say my account is under investigation because my personal check from XXXX  XXXX XXXX I deposited $ XXXX to Ally bank. Ally flag it and called suspicious when they already withdrew $ XXXX from my BOA. The process will take 10 days to clear the check. Im fine with that but why locked access to my whole Ally bank accounts? Usually when I call, they immediately unlock the account and sometimes make me change the password. But to lock me out of my accounts for 10 days for no reason is wild when I already explained to them what I did. I get my direct deposits through Ally and use it to pay bills, so this is really a frustrating situation.
Product: Credit card or prepaid card

THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!
Product: Mortgage

Select Portfolio Servicing has not been reporting my payments to the credit bureau since 2016. I did file bankruptcy that year however they where not included in the bankruptcy. I have paid every month since and now that Im trying to do a refinance on the house Im just finding out this information. I have two mortgages and the other company is reporting XXXX.
Product: Debt collection

I have been a victim of Identity Theft and was reported back in  XXXX   XXXX  I have been in the  XXXX  since for the past 2 years and the IRS got a hold of me and told me I have been a victim of Identity theft,  they were the one that caught it. I have reported this to IRS, Social Security, Identytheft.gov . FTC,  XXXX  Credit Bureaus, the local sheriff department, and much more. It has been an ongoing thing ever since and evidently it has also screwed up not just my credit report but also my background. Now I have been trying to fix as much as I could on my Identit y, and one was with my credit. There is one company that has put me on collections and put me on derogatory mark on there. I have reached out to them several times trying to let them my situations. Th e company is called ABILITY RECOVERY SERVICE   XXXX   XXXX    XXXX   XXXX , PA  XXXX  Phone number : (  XXXX  )  XXXX , thats the collections agency and the original debt was towards a college, called  XXXX   XXXX . They said that the account was opened on  XXXX   XXXX ,  XXXX . They did not provide any account number or anything.I have spoken to them numerous times I have explained my situation and all they have said was they can not remove my account out of the credit report and forcing me that this is my account. They told me to get a police report I hav e a sheriff department to make my report because in my area that is the jurisdiction on where I live and not police I did go to the police department and they told me to go to the sheriff office. Again they did n't tell where to submit my documents and also they have been so ride and make degrading remarks. They finally got fed up listening to me and they got mad they said I was yelling an d screaming hen all I was doing was explaining myself in a nice civil manner and they hung up the phone. Then when I call back they just dont pick up and forward me to a voicemail. I have been harass from these people put down an been degrade talked down too. I feel I dont deserve that kind of treatment, especially for something I dont know nothing about, I am trying to clear my name and make things better for me. I am a single mother of  XXXX  kids, and I cant get anything because of these people. Please help me if you can not hep me please send me to someone who can thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries that should be removed and have not been, they are : XXXX/XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

MOHELA is charging 0.25 % higher interest than they should be. They also messed up my minimum payments, so now it says I am delinquent even though I have made every payment on time. They have not sent me any monthly billing statements. They will not investigate the problem. They recently raised my payments without cause. Payments were not set to go up until 2025. They are not applying the minimum payment or additional payment amount to outstanding interest, but instead are letting the interest accumulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone was trying yo use my personal information without my consent! I've filed a identity theft report and will include below!
Product: Checking or savings account

On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. 

I would like a refund of my {$65.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a hard inquiry stating that there are issues with my name and information. I tried to fix this issue by internet email and telephone with no positive results. Apparently there is an account associated with my name. I tried to access information requarding this issue to get it resolved and they would not provide me with anything. But they admitted that I have some kind of account. They ask for my sensitive and personal information which I provided. And they still denied to give any information. They basically tricked me into giving them my information thereby basically stealing it with deceit. Once I provided all my personal information they basically told me to go get screwed. And I asked to speak to the supervisor and was denied. I believe they are committing fraud in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is GM Financial, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX. I have recently disputed the account with XXXX and after the investigation, the item was removed. However, XXXX and XXXX state that GM Financial claims this account as mine. I have no knowledge of said account. Note the high amount of the account is only a {$2.00} difference. Appearing to show that in 4 years ( life of account ) only {$2.00} were paid on the account. I do not understand how this is possible. I have never finance a GM product through this company. I had a XXXX that my now ex-husband financed through our credit union years ago. Activity date on GM account is completely off by 3 years from my credit union financed vehicle. This all being said, I 'm not sure how long things are scheduled to stay on an individual 's credit report. Whom ever this account possibly belongs to, it definitely seems it should be achieved at this point. Again, this is not my account and respectfully request your assistance in having it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Mortgage

We received the " Statement of Mortgage '' and " Informative Return - Mortgage Interest, Form XXXX '' for the XX/XX/XXXX year from FirstBank Puerto Rico ( FDIC XXXX XXXX ). Both documents have multiple errors, including the amount reported to IRS. These documents are fundamental for us in order to file our income tax returns. 

We went to the local office of FirstBank Puerto Rico and were told that in order to solve the issue we should contact their Customer Service by phone. We contacted the FirstBank Puerto Rico Customer Service on XX/XX/XXXX and requested the correction of both documents. We were told that correct versions will be emailed to us by XX/XX/XXXX. Since then no action was taken and we contacted FirstBank Puerto Rico Customer Service again 5 more times. As of today, XX/XX/XXXX, we have not received the corrections yet. This is creating a burden to us since we do not have the correct documents to file our XX/XX/XXXX tax returns on time. 

Since our documents are erroneous, we suspect that the IRS and the local tax authorities are being reported with incorrect amounts from FirstBank Puerto Rico.
Product: Debt collection

I have repeatedly expressed to the creditor that I am a a fraud victim by a family member. Only to now find that the charge is in collections and on my credit report by Portfolio Recovery a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts showing on my credit report that I believe could not be mine or are old and reoccurring with high balances that I'm not aware of. These accounts are : Community bank/Victoria secrets : ( XXXX... ) Showing a balance of {$1500.00}. This could not be mine. 

XXXX ( XXXX... ) Shows conflicted balances, {$1900.00} & {$3300.00} for the same account. This also I'd like to dispute. 

There are multiple closed accounts showing on my credit report from XXXX to present that I would like to be removed because I believe they're reflecting negatively and causing my scores to be low.Thank you in advance for any assistance. 

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

Dear Transunion : I received a credit report in the mail to today, and I spotted an issue with the charge-off trade line on the report : XXXX XXXX XXXX XXXX Reason : Balance is incorrect and according to my records you have the funds to payoff the account how can this be a charge off? 

Im not sure how long it will take to fix these issues, but I will wait.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I agreed to have a background check with Sterling Talent Solution. This was a requirement as I just got hired with XXXX XXXX. At XXXX, I received an email confirming that my background check was complete. Under DOJ XXXX XXXX XXXX, my result was XXXX XXXX. According to the New York XXXX XXXX XXXX XXXX XXXX XXXX, a Level XXXX XXXX XXXX  is someone who is an offender that is at low risk of repeating the offense. 
After I found this out, I immediately called the company asking to dispute the claim. I have never been accused, convicted, or gone to court for anything of this matter. They said there was nothing that I could do because the report was done. After that call, I made numerous calls to see if this report had any actual truth. 
After speaking with the Department of Justice XXXX XXXX XXXX, they told me that I am not and never have been on their registry. They furthermore explained to me that two errors could have occurred. One : The information was entered incorrectly. XXXXwo : There was an error in the footnotes. They directed me towards the XXXX XXXX XXXX registry to prove to them that I was not on the database. 
I called Sterling Talent Solution again and emailed the documentation that displayed that I was not on the XXXX XXXX XXXX  and had the confirmation confirmed by the Department of Justice. They claimed that as the report was already done ; there was still nothing I could do. No editing to my report or second report done. 
For this reason, I feel my Fair Credit Reporting Act rights has been violated. After closely examining my background check, it confirmed that my rights was guaranteed by FCRA. More specifically, the right to dispute and correct inaccurate information, and their legal responsibility to investigate claims made against my report. They have been negligent and refuse to investigate the claim made against me even though I have provided sufficient proof. 
Today, XX/XX/XXXX, they claimed that no error was made on my report in an email. They said that the XXXX XXXX was meaningless, but no employee told me that after the numerous calls I had with them. I feel the only reason they said that is I said I was talking with my legal counseling to see what my options were. My job that I beat dozens of candidates to get is now being called into question over this. I am upset that they could care less that a faulty report is costing me an amazing job.
Product: Vehicle loan or lease

on XX/XX/2021 proceeded to drive my car for work but, for the fourth time since financing the vehicle back in XXXX of XXXX the car has be disable by the company due to poor mismanagement of accounts. Once able to speak to a rep i was demanded to pay for collateral insurance from there company even though i have full coverage insurance from a different agency. i was forced to make a payment that i did not owe in order to use my car again. i was told by the rep XXXX that the payment will be due again and that I'm expected to pay it even though i explain that i did not owe them and that the insurance documents have been received from Us Autosales. Us Autosales have almost 300 complaints.US Autosales is a very unfair company that illegally violates its consumers contract and needs to be investigated further.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX On XXXX XXXX the Firm served me with a letter, Dated XX/XX/XXXX, saying I owed Discover Bank {$3400.00}. They said on various occasions I also allowed Others to use my Card for purchases or to withdraw Cash. They also implied I, myself, withdrew Cash ... None of this is true. I also saw no Date or where to appear on the Summons. 

I fell on hard times & could no longer keep the Card. I looked it up on my Credit Report & it said that the Charge was written off, I believe, in XX/XX/XXXX. 

I returned a letter to her saying I would be willing to try to pay on it, if they could reduce the total & would allow me to pay on it AFTER I finished paying off another Card I'm currently paying on. 

She responded saying I would have to pay {$120.00} a month, plus 10 percent annual interest beginning XX/XX/XXXX ( I received their letter on XX/XX/XXXX ) & Sign a " Stipulation '' Agreement stating : " By signing this Stipulation & Consent I am acknowledging that I have been served with the Summons & Complaint and that I FREELY give up my right to an Attorney. Is that Legal?
Product: Debt collection

I live in Colorado. Someone stole my Dillard 's card and they sent me a letter telling me I owed him XXXX+ dollars. I called them and told them I live in Colorado and they told me the charges were made in Florida. I filed a dispute with them and sent me a letter saying that it was a valid charge. I phoned to ask why and they said of the XXXX signatures they have from me and the other that they are similar. After that they called to harass me to pay it at XXXX and XXXX. I have XXXX recorded voice mails they left at those times.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : ACCOUNT NAME, XXXX, Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry Date : XX/XX/XXXX ACCOUNT NAME, XXXX Inquiry XXXX : XX/XX/XXXX ACCOUNT NAME, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Trans Union, Experian, Equifax ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX Wells Fargo emailed me that they shipped my new Visa Credit Card. I have never applied for one or asked them to open one in my name. They did this without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud/Identity account opened in my name between XX/XX/XXXX and XX/XX/XXXX. 
Company = XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, TX XXXX, ( Account # XXXX ) from a fraud purchase at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX in the approximate initial amount of {$13000.00}. 

In contacting XXXX XXXX XXXX on XX/XX/XXXX initially after receiving a past due notice, ( XXXX ), I disputed the account and informed them that I never authorized or approved a purchase from XXXX XXXX XXXX. I then called XXXX XXXX XXXX ( spoke with XXXX XXXX ) and informed them of the fraud purchase/lease. He would not provide me with additional information On XX/XX/XXXX, I called XXXX XXXX XXXX again to see if they had resolved the dispute complaint. I spoke with a XXXX and then transferred off to a XXXX. Neither would provide with additional information nor send me a copy of the initial agreement, contract, and delivery receipt. They indicated that I had to first complete a affidavit. The notarized affidavit of fraud was completed today along with initiated a police fraud report.FILE # XXXX. 

On or around XX/XX/XXXX, I also completed a disputed/fraud account with TransUnion Credit Bureau. XXXX. XXXX XXXX, XXXX, PA XXXX File # XXXX. Their investigation confirmed account ; but, they would not confirm how they came up with this decision??
Product: Consumer Loan

I paid the XXXX bill in full in XXXX of 2015. It is over 30 days and now the Collections Agency I paid the debt to is telling me conflicting information. I need this account removed from my credit bureau account. Please have this corrected at once. It is holding up my mortage. Thank you.