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

It is impossible for me to fix my credit. I do everything I possibly can and items that are 100 % false and incorrect never come off my report. It will drop XXXX points in a day with no explanation. Ive got barely any debt and it doesnt reflect a correct debt to income ratio nor does it ever seem to get above XXXX when I have paid off student loans, pay CCs on time, have no mortgages or bankruptcies and a bunch of items that are medical bills that didnt bill my insurance when I was fully medically insured ; I dispute them and they deny my claim but dont give me reasons why. Im XXXX and work daily for years to fix my credit and its impossible due to obfuscation, misinformation, wrong information, and inability to properly dispute flagrantly incorrect or fraudulent items. I need to buy a home and move forward with my life and this is making it impossible to do so. Please address XXXX Equifax, XXXX XXXX Accordingly.
Product: Mortgage

My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.
Product: Credit card or prepaid card

I purchased entertainment tickets for an event scheduled on XX/XX/XXXX in the amount of {$420.00}. The event has been postponed to XXXX, XXXX due to COVID19. Since I purchased something that I have not received on the date originally promised, I have asked the merchant for a refund. The merchant has declined an immediate refund due to monies already spent, indicating i would be placed on a refund list with no timeframe as to when a refund might be issued. I initiated a chargeback with my credit card company ( CapitalOne ) and they too have declined any further action. CapitalOne case # XXXX.
Product: Credit reporting or other personal consumer reports

I would like to address an issue concerning an account you are inaccurately reporting on my credit report. I have been a loyal customer of BMO HARRIS for over 2 years now and I have consistently valued the excellent service and benefits provided by the company. However, I was disheartened to discover an error on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed a late payment posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

This is my six 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, block 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$500.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. And it also states under 15 USC 1681 section 604 a section 2 that a consumer reporitng agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor can not treat a payment on a credit card account under an open end consumer credit as late. They have violated my person 's rights and I intend to sue if they do not update and delete accounts in question.
Product: Checking or savings account

On or about last Friday XX/XX/XXXX   I was informed by a customer service representative that my checking account was compromised. And they put a hold on my account. However to this day they havent provided any accurate evidence except for their constant lying. Because at one point they stated that someone called their customer service trying to get into my account. And now theyre saying it came from an online source. So on this past Saturday I goes into the PNC Branch @ XXXX XXXX XXXX XXXX Pa XXXX and had to open another account. Claiming that both accounts were put on hold. But when I contacted their Acceptance Department @ XXXX XXXX XXXX in reference to a check for {$370.00} that came in they refused to transfer money from the new account to cover the funds and I got notified from PNC Bank by way of email that my Checking Account is now overdrawn. And they keeps referring my complaints to the same non caring customer service representative XXXX XXXX to whom is continuing to cover up PNCs misconduct and lies. Because someone from their Acceptance Department stated that there were 14 errors done one my account
Product: Credit card or prepaid card

Credit Card : CitiBank, Date of Transaction : XX/XX/2021, Amount : {$260.00} ( deposit on puppy ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Opened Citibank Dispute ID : XXXX XX/XX/2021 Confirmed in Writing to CitiBank that merchandise not received. 

XX/XX/2021 Provide documentation from merchant letter that states : " If for any reason you are not satisfied with the pup we have selected for you at the time of pickup your deposit can be refunded ''. Merchant refused to allow pickup of puppy and refused to refund deposit. 

XX/XX/2021, Citibank ruled in favor of merchant stating : " We are unable to intervene on your behalf regarding this dispute. Merchants are not required to give credit if they have a no refund policy. Any further attempts to resolve this dispute will need to be directed to the merchant. We now consider this investigation complete. '' The justification for ruling in favor of the merchant XXXX no refund policy ) is directly contradicted by the letter provided to Citibank from the merchant ( " If you are not satisfied ... your deposit can be refunded '' ). It's as if Citibank never received documentation of the letter. However, Citibank Customer Service Dispute Center confirmed on XX/XX/2021 that they did receive letter attached to email.
Product: Mortgage

on XX/XX/2016 we was told by a guy that came to our front door that our loan on our home was sold, to nationstar mortgage, and was told by this guy that he was from XXXX and he would collect XX/XX/XXXX payment, we gave it to him, he gave us paperwork from nationstar that our other payments go to them, he left and we called nationstar the guy on the phone said yes, and that we didnt half to make a payment for 90 days because they dont have our loan yet, but later found out we was told wrong by him, now were in forecloser because of this., and was told by supervisor later that she was sorry he told us wrong, and that they would fix this, to file another loan modification to fix this problem, but was denied because was given one by XXXX in XX/XX/2016,
Product: Credit reporting

I was interested in a car insurance service but was surprised when their quote said I was getting a higher rate because my credit score from Transunion was XXXX. I generally have a very high credit score. I clicked over to Transunion 's website to check my credit score and discovered it was actually XXXX. As part of this process I was taken through a very non-transparent process wherein they made me a " member '' with a {$9.00} monthly fee despite no mention in the sign-up process that there would be a charge ( I discovered later that in the fine print of the terms and conditions I checked there was a stipulation that I would become a member and be charged a fee, but the actual fee was not detailed and never was it shown on the actual web portal, only buried in 12 pages of terms and conditions ). I then had to cancel and get refund from them. 

It was exactly the sort of behavior that is described in these articles that I discovered later : XXXX XXXX-XXXXXXXX, XXXX I think 1 ) they are selling a different score on their website than the one they are providing to the insurance company and 2 ) they are fraudulently getting people to sign up for memberships when all they want is their free credit report and in the process charging {$9.00} monthly for a service no one wants. It is shocking that it is continuing to go on especially since they so recently settled over the same issues. 

Please look into this further and protect consumers. I called them and insisted on a refund but many consumers would be less shrewd and more vulnerable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage - XXXX - Is reporting inaccurate information on my credit report. They are reporting a 30 day late XX/XX/2020 and I have never been late on any account ever in my life. I actually had set up auto draft with Shellpoint, as I have many accounts with them. My auto draft was set up on all of my accounts and the payments were drafted for all of the accounts except one. It should have been drafted but the company did not apply it to all my accounts. I was not aware as I did not receive a notice and only knew of this late notation until i checked my credit. I have been a long time customer of Shellpoint and have many accounts with them. I am very disappointed to see the communication and handling of this issue. I am asking as a long time customer that this be removed from my credit file as it is erroneous and completely out of my hands. I authorized the payment but Shellpoint did not collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a divorce and trying to refi my current home. While waiting for my divorce agreement, I made my XXXX payment to Caliber Home Loans. 
After a few days, I had noticed that the funds were not withdrawn from my account as they had always been in the past. 
I called a few day later only to be told that with the holiday ( XX/XX/XXXX ) and Covid, it could take up to 10 days to get the funds transferred. I was told to call back after that. 
I did. 
Worried about the transaction, I went ahead and made ANOTHER payment to my mortgage to make sure that the XXXX payment would NOT be counted against my credit. 
That 2nd payment was applied to my XXXX payment ( while leaving my XXXX payment still " unpaid ''. ) I then get a notification that my XXXX payment did not go through because I had changed bank accounts ( an old to new ) to take my soon to be ex wife off of the checking account. The bank, XXXX XXXX XXXX, mistakenly did NOT forward the mortgage payment over thus resulting to the " late payment ''. I called Caliber on XX/XX/XXXX and tried to straighten this out. I AGAIN called back on the XXXX and was told by XXXX that if the funds were made immediately available to Caliber, and they could access them, they would take care of the problem. I called my bank and within 24 hours, the funds were transferred to Caliber. I specifically said XXXX to 3 times that I can not have this effect my credit and was assured that it would not. 
On Monday, the XXXX, my credit received a blemish from Caliber home loans. 
I called back and was by XXXX, that I needed my bank to fax over the explanation and that would then fix the situation. Within 24 hours, my bank 's branch manager faxed over the needed paperwork. I called back AGAIN and was told there's nothing they could do. 
I have called Caliber Home Loans no less than 3 more times since then only to be told they'll investigate and let me know. 
I have explained to them that I am in the midst of a refi and have only until XX/XX/XXXX to get all of this straightened out otherwise I will lose my refi. 
I was told again today that this process will now take XXXX to 45 days. 
I have been getting the run around from the beginning. 
Had they told me not to call back in 10 days, this would have been handled right away and since then they will not live up to their word. 
In the mean time my credit has been hit for over 80 negative points and my refi is now cancelled unless this gets reversed. 
Many please to Caliber Home Loans have been listen to and then dismissed with little to no help at all. 
How can they do this when I've done everything they have asked me to do ... and above and beyond? 

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

" XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, XXXX ) on XX/XX/16 unfairly placed on my Transunion credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia XXXX " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " XXXX XXXX XXXX '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my Transunion credit report!! I have disputed this inaccurate fraudulent acct. with Transunion and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my Transunion credit report.. Please help me ... Thank you in advance for your thoughtful consideration..
Product: Payday loan, title loan, or personal loan

I called on XX/XX/XXXX to find out what my payoff balance was for my {$600.00} loan and was told that it was {$810.00} and that was totally surprising to me because I've already paid 5 payments of {$130.00} ; my payments are biweekly. I asked why was my payoff balance that high and was told that only {$48.00} was going to the principal and that {$92.00} was going to interest and fees. Initially I thought I was told that my interest rate was 25 % but was shocked by the fact that it was 625 %. I was then told that I could increase my payment amount and that would lower the amount that was owed. I reached out to XXXX XXXX again regarding the extremely high interest and told them that that was against the law in Maryland. I stated that the most that can be charged per year according to your website is 24 %. The representative ( XXXX ) told me that because XXXX XXXX is a part of an XXXX community that our laws does not apply. I really need to pay this off but without the interest rate being lowered, appears it will take almost a lifetime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in communication with Experian for almost a year trying to get them to update my credit profile. XXXX and XXXX have updated my credit profile to show new lines of credit that I have acquired in an effort to improve my scores but all attempts to get Experian to update my file have failed. Experian refuses to update my mortgage history and all other credit I have obtained. The only trade line they show is a negative account that was resolved and I had to file a complaint with them to update that account to show it paid. This situation continues to cost me money as some companies credit decisions are only based on Experian 's report. My attempts to utilize my relationships with my credit unions have all been denied due to my Experian credit profile or lack thereof. This has caused irreparable damage to my finances due to rising interest rates and my inability to get my mortgage refinanced thru my credit unions. I demand that this failure to comply with credit reporting guidelines be fixed immediately.
Product: Debt collection

I closed my XXXX account on or around XX/XX/2024. XXXX generated a final bill on XX/XX/2024 with a due date of XX/XX/2024 in the amount of {$530.00}. 

TSI sent a debt collection letter on or around XX/XX/2024 demanding {$530.00}. 

Unless I'm mistaken, a debt collector should not be reaching out and demanding payment until at least after the debt is actually due. Furthermore, the full amount was paid to XXXX  on or before XX/XX/2024.
Product: Debt collection

This company and several before it have tried collecting a debt of XXXX XXXX I tried several years ago to verify this debt with the original creditor duke energy. They have no record. I have gotten this account removed several times and it just changes hands and hits my credit over and over again as a new debt. I have called recently to XXXX XXXX ( XXXX ), again no record of debt. I do not owe this money and have never owed this money. I disputed last month because it hit my report again but I notice my social was wrong, so I called XXXX and you know what happened? They changed the social! What kind of XXXX is this? Are credit bureaus and debt collectors working together now?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mailXX/XX/2018 urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Product: Checking or savings account

On Tuesday, XX/XX/2024, I deposited into my Citibank Savings Account, which is tied to my checking account and another savings account, two checks in the amount of {$4500.00} ( one check for {$4000.00}, another for {$500.00} ) via mobile deposit. The following day, on XXXX, XX/XX/2024, Citibank restricted my accounts pending a XXXX investigation because the checks were deemed fraudulent. On Friday, XX/XX/2024, following the investigation by Citibank 's fraud department, I was informed my accounts would be subject to closure. I subsequently went to the branch to withdraw all remaining funds from my accounts except for the account which the {$4500.00} checks were deposited into. 

That same day, on XX/XX/XXXX, I opened an account with another banking institution ( XXXX ). 

On Tuesday, XX/XX/XXXX, I was told by Citibank that there was no pending balances on my account. The following day, Wednesday, XX/XX/XXXX, Citibank told me that I can deposit the checks elsewhere as they did not clear, and both the financial issuer of the check ( XXXX XXXX ) and the maker told me to make a deposit into my new Chase account. XXXX then told me the following day, Thursday, XX/XX/XXXX, that the funds from the check were cashed by Citibank and they placed a hold on my account. Citibank told me today, Friday, XX/XX/XXXX, that the funds were posted and I needed to get verification from the makers of the check who gave it to me. After two calls on the same day to the bank, I was then told the phone call was not enough, and I need to provide business documents demonstrating ownership of the maker, business articles, and other proofs, which I lack because I am a student who received a scholarship check. As of now, I have to go to a Citibank branch tomorrow or Monday to submit additional documents, and my account remains locked. My XXXX account also remains locked as well, and I am not sure what to do.
Product: Payday loan, title loan, personal loan, or advance loan

There are two active loans that I currently have with this company and not only do payments never come down even after paying my bi weekly payments, but there is also interest accruing daily and no option to make manual payments without them being automatically withdrawn. I am struggling to pay and see no end in sight with actually paying off the loan. It is a huge financial burden and causing my account to go negative each pay.