23daVinci/CFPB_Complaints huggingface dataset:
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 - Balance : {$17000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX - Balance : {$3600.00} XXXX XXXX XXXX # XXXX - Balance : {$5500.00} XXXX XXXX XXXX # XXXX - Balance : {$4900.00} XXXX XXXX XXXX  # XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Midland credit is a company that purchased my old bill from XXXX XXXX XXXX that agreed becasue of our hardship my husband suddenly was diagnosed with XXXX and died XX/XX/XXXX we lost our home everything. They agreed to close the account and wave the amount but then sold it or this Midland credit picked it up and refuse to quit pursuing it.
Product: Debt collection

XX/XX/2022 Portfolio Recovery. ACCOUNT ENDING in XXXX - I have attached a letter from XXXX  XXXX stating that the account that Portfolio Recovery purchased from XXXX  XXXX was opened through fraud. I am not responsible for any balance that XXXX XXXX decided to open due to fraud. Portfolio Recovery contact the XXXX and XXXX and remove the account from my credit report. I have sent XXXX and XXXX a copy of the document XXXX XXXX sent me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the Equifax data breach, I have been unsuccessful in resolving what was initially a single problem - there was a fraudulent address in my credit history. 

I received an email XXXX/XXXX/XXXX stating the " Dispute Completed '' along with a confirmation number and a link to review the dispute. 

Using that information, and confirming my identity on their site XXXX including answering questions from my credit report ( e.g., you opened a credit card from which of the following in XXXX XXXX ... those types of questions XXXX, I am unable to access my information. 

I get a page that states, " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' I have submitted my request FIVE times now via their " Web Email dispute form '', and all that does is generate another email with another confirmation number and link to review the dispute. 

EVERY TIME it says, " Dispute Comlpeted ''. 

EVERY time - SIX TIMES now - I have been unable to review the dispute. 

On submissions 2 through 6, I have explained that I can not access the page to review my dispute has been resolved. I also explained that additional fraudulent financial activity has likely struck, since I am answering those challenge questions correctly, but am still denied access to my original dispute ( and the additional five disputes XXXX. 

It 's an endless cycle of monopolistic bureaucracy - all the while likely furthering financial fraud perpetrated against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a dispute to XXXX, Transunion and XXXX in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to refinance my vehicle when I got my credit report, there were charge offs and credit cards on my report ive never had, plus a lot of hard inquiries. I called all creditors and they said i needed a police report. I filed report but XXXX XXXX  wants me to get put on report that no payments were made because they said some payments were made but officer said no way to prove I made no payments.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I had been informed not by letter, not by phone not in any formal process at all but I have been informed that my credit line was getting decreased almost {$7000.00} {$6900.00} by email. I immediately gave American Express a call I asked them why they did not let me know ahead of time and they stated that they would be sending me a letter. I believe they should have informed me they were going to lower my credit limit prior to actually doing so. I am doing this complaint because I believe some of the actions and things that American Express are doing are illegal. When I spoke with the representative she informed me that if I pay {$3100.00} by XX/XX/XXXX American Express would agree to give me my credit limit back. Originally we had agreed that they would take over my credit limit that I had with the previous company and that agreement I was told I could pay the minimum payments no consequences and repercussions will be brought upon me for doing so. At this point that is exactly what is happening. Also, although the American Express representative expressed this information to me over the phone I gave them a call and I let them know I will pay you the {$3100.00} if you send me an agreement in writing that you will give me my credit back for sure it is a guarantee. The representative simply assured me did they would but said that they can not send it to me in writing which to me sounds strange and not trustworthy at all. I feel as though American Express has went back on their contract that we solidified in the beginning. It's unfortunate that they would give you a certain credit line can remove it from you without notice, & say if you give them a large amount of money they will give it back. This seems to me like bribing and threatening. American Express is making me pay them substantial amount of money under duress which is not fair or legal. In addition American Express lowered my credit limit at an important time in my life ... My credit score has dropped because they took it upon themselves to decrease my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called said company XX/XX/XXXX about an unpaid balance on a loans I received as far back as XXXX. These loans were paid ahead of complete due dates in which the loan company verified, but the loan balances still show on my credit reports as unpaid. The company is : World Finance , Inc. 
XXXX, La.
Product: Credit reporting or other personal consumer reports

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed.

Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 

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

In XX/XX/XXXX, I went to the Bank of the West XXXX to secure a business loan for opening a new private practice. Although my practice was already open and I had some money XXXX, the bank said it was n't enough and needed personal collateral to secure the loan. This was an interest only loan, and a revolving account attached to my employee LLC ID and not my SS #. After a couple of years I started paying back more than just interest. In XX/XX/XXXX I got a job offer with the government that was too good to be true, so I closed my practice and moved. I also closed the bank account that had autodebit for payment on this loan and contacted XXXX XXXX on several occassions to get the auto debit linked to another account. He never returned my calls and they continued trying to pull money from a closed account for the next 90 days which caused additional fees for overdrafts, past due payments, and credit problems. I started paying them by check because they would not allow me to pay more than the interest if I set up autodebit again. Over the last two years, I have paid about {$50000.00} on the {$77000.00} balance. The property tied to this loan is worth {$99000.00} according to XXXX XXXX tax dept. I called the other day to see if the revolving account could still be used because I no longer had checks to that account. They asked how much I had in mind. I said around {$12000.00}. XXXX XXXX and someone named XXXX said they would check. XXXX called me back and said that because I did n't pay any principle on the loan in the beginning, I no longer had the revolving status and they were not willing to work with me. Today, I received documents in the mail stating that they had pulled my credit report ( WITHOUT MY PERMISSION ) and said my credit score was too low according to XXXX. This is rediculous because I 'm currently XXXX getting a home loan and if they would have asked for a personal credit report I would have told them NO because that could mess up my credit rating. I called XXXX. He said he had notes from XXXX saying I wanted to apply for a new loan of {$12000.00} and that is why they pulled my credit report. I told him I did n't care what the notes said I NEVER gave anyone permission to pull that report nor did I apply for a loan. I already had a loan. I merely inquired as to whether I could still use it as a revolving account since they still had a lein on my property. In addition, I asked him when they changed the terms of the original loan agreement because I was n't informed of those changes and XXXX could not answer me. These practices should be illegal. I have had nothing but problems from this bank and I wish for you to investigate their practices. Thank you.
Product: Checking or savings account

On XX/XX/XXXX I reported to my bank ( BB & T ) that there were unauthorized charges on my account. Shortly after they closed the card and sent me a replacement and reversed the charges. The problem is that they sent the new card to an address I never authorized them to use as I did not receive mail there ( I did for a brief period ). I even called them on XX/XX/XXXX at XXXX to ensure that they had the correct address on file as I was having trouble with my credit transactions ( where you have to use your zip code ) and their customer service associate assured me that the address on file was the address I authorized them to use. On XX/XX/XXXX ( XXXX ) I called in and they advised me of the error and told me they would delete the wrong address they had on file, but I would need to call back to request a new card. When I called back on XX/XX/XXXX at XXXX requesting a new card they advised me it would be 5 to 8 business days before I would receive it ( I 've already gone 11 days without access to my bank account ). When I requested it be expedited they told me that I would be charged a {$35.00} dollar fee which they would not waive. When they canceled the debit card that was sent to the wrong address and requested the new debit card they told me I would be charged a {$5.00} fee that they could n't waive at the time and could not guarantee it would be waived if I called back. They recommended that I step into a branch if I was unsatisfied with the time it would take to receive the card, but the nearest branch is 120 miles away ( one way, 240 miles total ). 

This service is unacceptable as everything that 's happened was no fault of my own and my bank refuses to take accountability of their errors. 

I 've accepted that I wo n't be able to buy presents for my family during XXXX XXXX ( the best day to buy gifts ) but now I ca n't even buy groceries or put gas in my car and I pray that I do n't blow a tire or have any other unforeseen issues come up as I have no way of paying for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove an account that has been reporting for 7 years on my credit file it is a direct violation of my consumer rights. It is your obligation to report complete and accurate information. I feel I am being discriminated against with my prior complaints. I get automated responses and immediately close the prior cases. I forwarded these to consult. The account XXXX XXXX  XXXX # XXXX I have attached a letter and the account that is currently reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my XXXX  I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted Transunion and XXXX  also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report
Product: Mortgage

We purchased a property with Homepoint, in XXXXXXXX XXXXXXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. We submitted all the proper documents, including the insurance binder. Everything was approved, and we received the mortgage. A few days ago, we got a letter in the mail ( attached ) demanding that we add wind coverage to our policy. We also emailed Homepoint with the current binder ( WHICH THEY APPROVED!! ) and asking them to dismiss this ridiculous request. 
PS - I apologize about the stain on the letter from Homepoint.
Product: Checking or savings account

On XX/XX/year> at XXXX I received a fraud alert text from Bank of America about my business account, claiming unusual activity using my debit card, requesting a call back. 

I did not see the text and didnt respond as I was in a meeting for a job I had recently started. 

After my work ended, on XX/XX/year> at XXXX, I called Bank of America and was told multiple transactions were made using my debit card. I denied all charges as fraudulent. 

There were 12 charges, some made multiple times by a single vendor, made in rapid succession and totally to over {$9000.00}. 

Up until this time, my debit card had barely been used, rarely ever for online or in person purchases. In fact, over the span of an entire year, my debit card had only been used by me a total of 2 times. So 12 charges at multiple vendors in a span of less than an hour should have been flagged as highly unusual and the transactions should not have been processed.

Based on my call with the fraud department, they claimed that the charges had been allowed to process and I needed to file a fraud claim. I filed a fraud claim on the transactions.

I never received any communications from the bank on my claim, not by mail or in the online messaging system. But one month later on XX/XX/year> I noticed that the claim amount had not be reimbursed on my account. I called the claims department who said my claim had been denied for multiple reason : I had history with the vendors who charged my debit card ( which is untrue ) and I did not respond to the fraud alert text in time ( I responded in less than 3 hours ). 

I asked to reopen the claim and speak with a supervisor and was denied that option. I requested a call-back from a supervisor and set up the call back. 

As of XX/XX/year> I have yet to receive a call back. Within my digital account if I try and dispute one of the fraudulent charges, it says a claim is already open for this charge, see your messages. I click the see your messages and it brings up my inbox which is empty.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my rights. 

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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: Student loan

In XXXX 2004, I arrived at XXXX XXXX as a new incoming freshman. As part of our orientation, we were herded into a meeting with Key Bank and financial aid to sign master promissory notes. It was presented to us as being perfectly normal, and my father ( who is the responsible party here, I was XXXX at the time ) took them at their word as well. <P/>Following this first semeester, I was later told by financial aid that there was no point in even filing a FAFSA, as my father 's income ( in excess of $ 120k ) basically disqualified me from any aid at all anyway. This unfortunately included federal loans, so all of my expenses were instead put on private loans from Key. <P/>After my second year, this suddenly stopped. I was refused additional loans, and I later learned that Key Bank was selling off my existing debt and may be folding entirely. I instead had to get private loans through XXXX XXXX, now serviced by XXXX. The original Key Loans are now handled by XXXX XXXX, while my scattered federal loans ( regained near the end of my XXXX and also accumulated during XXXX XXXX ) were consolidated and now serviced by XXXX. <P/>
Now here 's my problem : Each of these three loan servicers basically says, " You can reasonably afford this much payment. '' And they 're correct. However, all three of them say this, and all three do not care that I am basically being asked to pay 3x what they all agree is reasonable. <P/>This is directly due to two factors which I wish to lodge a complaint about : 1 ) I was presented with no options as an incoming freshman. I was not appropriately counseled by the financial aid office, and my guardian responsible for me neglected his responsibility to diligently follow up on this. By the time I was no longer a dependent and learned to handle these matters for myself, it was too late. Everything was already in motion and even correcting the problem ( borrowing correctly moving forward ) led to this final configuration. <P/>2 ) Due to the disgustingly protective rules governing student loans, I seemingly have no rights to manage this debt. I 'm not even asking that the debt be erased due to the incredibly shady way Key Bank secured the business of a good chunk of my incoming class ( I can only assume they paid for the privilege of being present during orientation to prey on the new, unaware students and parents ... ),  though that would be really nice. I just want to be able to consolidate this debt with my federal loans to get them into a single account with a single servicer with a reasonable interest rate. I WANT to pay this debt back, but I need the tools to manage it, afforded to every other class of debt, but to which student loans seem to be the sole exception.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; XX/XX/2022 XXXX, Experian, XXXX : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Product: Credit reporting or other personal consumer reports

According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus Transunion, XXXX XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy transunion, XXXX, XXXX  nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services