23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, XXXX 's on XX/XX/XXXX and XX/XX/XXXX an auto loan account opened at XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX, and a collections account opened at Consumer XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # starting with XXXX, XXXX XXXX XXXX Account # starting with 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 an account without my written consent or instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I wanted a free annual credit report from TransUnion. They ask for your credit card info to " Verify Your Identity '', I ended up being charged a monthly fee of {$25.00} for the credit monitoring service and three reports, not what I wanted! 
XXXX Cancelled the monthly service within hours of the " Charge '' for the service, now I want my money back! 
XXXX has120 ratings submitted in the last year, almost all are the same story as mine! 
" By not distinguishing the credit score and a credit report, the company preys on those who do not know that the 'free ' credit report is different from their credit score services and thus charge you! ''
Product: Payday loan, title loan, or personal loan

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 516.09 % Minto Money File : XXXX Finance Charge {$12000.00} Amount Financed {$2500.00} Total of Payments {$14000.00} Loan # : XXXX Loan Type : Installment Loan Agreement Date : XX/XX/XXXX Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Minto Financial d/b/a Minto Money XXXX XXXX XXXX XXXX, AK XXXX Phone ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reappearance of an item that was previously deleted from my credit report. The item in question pertains to XXXX XXXX accounts # XXXX and # XXXX This item was deleted from my credit report on XX/XX/year> after a successful dispute. However, upon reviewing my recent credit report dated XX/XX/year>, I have noticed that the item has been reinserted. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, the credit bureau is required to notify the consumer within five business days of re-reporting a previously deleted item. I have not received any notification regarding the reinsertion of this item. Therefore, I am requesting the immediate re-deletion of this item from my credit report. 

For your reference, I have included copies of the following documents : XXXX. The response letter from XXXX confirming the deletion of the items dated XX/XX/year> XXXX. The response letter from XXXX XXXX  confirming the deletion of the items dated XX/XX/year> XXXX. A copy of my recent credit report showing the reinserted item dated XX/XX/year> Please conduct a thorough investigation and provide written confirmation of the actions taken regarding this dispute. Additionally, I request that you provide a copy of my updated credit report reflecting the removal of this incorrect information. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely,
Product: Mortgage

The complaint is with PNC bank my mortgage company my two rental homes in Pennsylvania I have told them so many times that I can not pay the mortgage on the first because the way the money comes in I was never late I pay my mortgage around the XXXX XXXX or XXXX of each month and I still get calls and a statement showing the month that they saying its behind which is not because of the grace period time Until the XXXX of the month on top of that they send me a statement of the next month that is due on XX/XX/XXXX ... I think this is an harassment its not helping the customer and the situation ... Thank You
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I look at my credit report. I sent a letter to XXXX, XXXX XXXX and equrifax on XX/XX/2023 asking them to reinvestigate these accounts. Report XXXX XXXX XXXX. XXXX XXXX XXXX # : 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 XXXX. 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 On XX/XX/2023 they sent me their investigation and said these accounts are complete and Accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Product: Payday loan, title loan, or personal loan

I DONT REEMBER THIS COMPANY AT ALL ITS HURTING MY CREDIT SORCE BAD DATE OPEN XXXX XXXX
Product: Credit card

propmotional period expired and was charged but was not aware. 
I learned about it after XXXX  months. 
Tried to pay off balance after XXXX  months but they did not agree to accept removing the intrest
Product: Debt collection

I found out about a judgment filed against me on this old credit card debt from XXXX that was purchased by Cavalry SPV LLC. I called Cavalry and they told me to call XXXX XXXX XXXXXXXX, debt collection lawfirm that has case. I called there - he told me my debt was increasing at a 9 % rate - I don't know if it is daily, or what. A {$10000.00}. debt I couldn't pay is now {$16000.00}. I told them I could not pay. How much to settle? He said Cavalry authorized {$12000.00}. Still insane. I called Cavalry and she kept saying they could not help me. I said the lawfirm said Cavalry set the settlement amount. When I said it was up to Cavalry she finally agreed to give me to Legal at Cavalry. There was no answer from either Legal number. I called another day and still no answer. 
On XX/XX/XXXX I sent a letter to Cavalry SPV and a copy of that to XXXXXXXX XXXX XXXXXXXX. I want the judgment released and the item cleared on my credit report. 
I assume Cavalry bought the bad debt from XXXX for about {$.00} on the dollar, equaling {$1000.00}. I also received many harassing phone calls over the last few months, needing to block a number - 6-8 calls per day, sometimes within the same hour. I am waiting for a partial record of those calls from XXXX.
Product: Checking or savings account

I opened account about a month I deposited XXXX cash and my settlement check of XXXX and I made deposit in person in the branch the lady I spoke with treated me like I was just below her her name was XXXX XXXX XXXX they are holding my funds
Product: Credit card

My Amex account holder information was hacked allowing Amex to cancel my card, issue a new card to the person who hacked the Account Holder Information, closed my card. The person who Amex issued an unauthorized card has stolen through Gift Cards amounting to over $ XXXX- {$6000.00} per month, XX/XX/XXXX through XX/XX/XXXX. Amex express was notified however ; refused to protect me. My Amex Credi Card was opened XX/XX/XXXX. My Social Security number remains as the person responsible for this fraud and identity theft. XX/XX/XXXX I received a letter from Amex removing me from my own account, AMEX provided an unauthorized card to an unauthorized person on my account. Thus enabling over {$500000.00} stolen funds from my XXXX and myself. in Gift Cards and Other Transactions. Friday XX/XX/XXXX, one of the representatives were sending my case file to underwriting. However, I am harmed, my company has been harmed causing losses of almost {$500000.00} due to the negligence of AMEX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> Subject : Dispute Regarding Charged-Off Account and Request for 1099-C Form Dear CFPB Dispute Department, I am writing to dispute the reporting of a charged-off account on my credit report under 15 U.S. Code 1681i, which mandates the proper investigation and verification of reported information. The account in question is : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Charged-off account inaccurately reported As you may be aware, a charged-off account is considered taxable income by the IRS, and I am required to report this on my tax return. According to IRS regulations, creditors are required to issue a 1099-C form for cancellation of debt when the amount exceeds {$600.00}. 
To ensure accurate reporting on my end, I kindly request that XXXX XXXX XXXX XXXX issue and send the required 1099-C form to my address listed below.

Additionally, I request that all 3 credit bureaus investigate this account for accuracy. If it can not be fully verified as compliant with all applicable laws, I request its immediate removal from my credit report. 
Please confirm receipt of this letter and provide me with updates regarding the investigation and removal process, as well as confirmation from XXXX XXXX XXXX XXXX regarding the issuance of the 1099-C form. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

I had a ChaseXXXX Credit card ending in XXXX, that was opened in XXXX of XXXX. I filed for Chapter XXXX Bankruptcy and it was dissolved on XXXX XXXX, XXXX. Chase sent me a letter in XXXX, that this account was going to be charged off. I replied on XXXX XXXX, XXXX, with a copy of my Bankruptcy decree. I then received a charge off XXXX in XXXX. Randomly in XXXX of XXXX, Chase reported to XXXX and XXXX a past due balance of {$1200.00}. I disputed with XXXX credit bureaus, XXXX removed the information from my credit card promptly and XXXX told me to contact Chase. I have contacted Chase multiple times to no avail. The last communication was a phone call about a month ago and Chase was suppose to contact my Bankruptcy Attorney. When I pulled my credit today, XXXX XXXX, XXXX, the past due balance is still being reported by Chase to XXXX XXXX XXXX XXXX ). This is affecting my XXXX score substantially. Card opened in XXXX, Bankruptcy in XXXX, Charge off in XXXX, and then randomly appearing on credit XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, and TransUnion have violated my FRCA rights listed below : 15 U.S.C 1681i ( 2 ) ( A ) ( B ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Student loan

I need for fedloans to update my payment history on my credit report. my loans was in the deferment status
Product: Money transfer, virtual currency, or money service

I received two ( so far ) text messages from Zelle informing me that someone sent me {$500.00}. I do not recognize the sender 's name, I was not expecting any money from anyone, and I do not use Zelle. 

I contacted Zelle to report the mistake or fraud, and to ask that they reverse or cancel the payment. They refused to reverse or cancel the payment, saying that if I do nothing the sender will receive their money back within 14 days. 

They didn't seem concerned that it was at least erroneously, but likely fraudulently sent from the rightful owners account, and they were knowingly profiting by retaining the money for a significant period of time. 

They also initially said that there was no way to block my phone number from their service, but after I got very insistent the agent seemed to change her story and said that she would block the text messages. I was tired of arguing with them at this point and gave up on pressing the point that blocking the text messaging was not the same as blocking my phone number from any use by their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late XXXX purpose. 
XXXX
Product: Mortgage

Loan was paid off early via wire transfer XX/XX/2024 lender Specialized Loan servicing LLC now known as shell point mtg filed satisfaction of mortgage XX/XX/2024 in XXXX XXXX Florida. Should have filed in XXXX XXXX Florida. I need a corrective action take to resolve title issue this caused. I have also requested they send a letter advising this is being addressed so I can close XX/XX/2024. They are not very helpful in resolving their mistake. I was just made aware of the problem and have spoken to 5 people with shell point mtg over the last XXXX days. I have asked to speak with management and was told they do not have any management.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has decreased my credit score 52 points in 2 months. The XXXX score update was decreased 26 points after simply settling an old charge-off account. The score update on XX/XX/2021 has also decreased 26 points after Experian recently completed a dispute investigation I filed a months ago. The account in question is XXXX XXXX for an auto loan. Experian credit report states that the reason for the decrease was a RECENT late payment. I have not had a late payment reported in nearly 4/5 years. It is very concerning that Experian can continue to post inaccurate information on my credit report, and nothing is done to make them stop, or at least correct the issue. There is no justifiable reason that Paying and settling an account should result in the 52 point decrease in my credit score. Consequently, I am more concerned with the inaccurate information they are reporting. I simply do not have any recent late or derogatory accounts. 

Experian will not let me dispute this error because they just updated the information incorrectly.
Product: Credit card

Complaint Reference:XXXX The complaint filed by me XXXX XXXX pertains to an Apple Card account that was opened without authorization, indicating that this is a case of identity theft or fraud rather than an error by the bank. The customer disputes liability for the account and any associated charges, as the account was fraudulently opened. 

PLEASE SEE ATTACH The bank 's response does not address the fundamental issue of potential fraud. The customer requests a detailed investigation into the fraudulent activity, provision of all supporting evidence, and appropriate action in accordance with consumer protection laws. 

14 DAY NOTICE BEFORE I SEEK LEGAL ACTION AGAINST YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a {$12000.00} outstanding mortgage balance listed on my credit report for a mortgage I no longer have. The XXXX XXXX XXXX XXXX XXXX took over the mortgage : first and second mortgage yet the second one continues to be listed on my all 3 of my credit reports : XXXX, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AND EQUIFAX CREDIT REPORTING AGENTS ARE IN FACT LISTING ON MY PERSONAL CREDIT REPORTS INACCURATE AND FRAUDULENT INFORMATION IN MY GOOD NAME. NOW DAMAGED. 
ACCOUNT NAME CREDITOR XXXX XXXX XXXX I NEVER OPENED THIS ACCOUNT. 
I HAVE FILED AN FTC REPORT AND CONTACTED XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i had serious XXXX XXXX. XXXX XXXX XXXX XXXX. Fell behind in monthly payments to Barclays card account # XXXX. Caused by not working during this time of recouping from XXXX '. Called Barclays to discuss hard ship account handling as they offered me assistance. Notes of telephone chat on XX/XX/XXXX are included. Clearly understood what i heard from rep over tele thus my notes are accurate. Rep ' name was XXXX ( spelling? ) at Barclays. I started paying agreed to payments right away. EAch subsequent month was paid on time. THE ISSUE, WE AGREED TO DUE DATE BEING XXXX-XXXX BUT THEY show due date as XXXX. I'm retired so i only receive pension income once monthly on XXXX wednesday. The due date agreed to would allow me to ALWAYS BE ON TIME by XXXX monthly. They've reported me late every month now under their HARD SHIP agreement, to each of the bureaus. BArclays has caused me great harm in their poor handling of this HARDSHIP account. NOT once have i been late on ANY monthly payment due date of XXXX. Further, they have added to my balance other charges NEVER agreed to. ALSO, bank records are proof herewith that each and every monthly payment was on time for the agreed to due date of XXXX.