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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The account in question pertains to a XXXX XXXX Account number XXXX ( XXXX XXXX XXXX  BY XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit card

I've been a victim identity theft like there was a phone from XXXX that was opened up in my name multiple credit card accounts and I need help please I just need these account removed I've put in multiple identity theft reports XX/XX/XXXXXXXX balance is {$650.00} open XX/XX/XXXX.XX/XX/XXXXXXXX XXXX bank balance is {$720.00} opened XX/XX/2023 XXXX XXXX balance {$380.00} opened XX/XX/2023 XXXX XXXX balance {$1100.00} opened XX/XX/2023XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Utah XXXX XXXX is reporting that my account was a XXXX XXXX account on my credit report which has never been true. When I contacted the university, they indicated that that was in fact an incorrect report and would get it fixed immediately. I have dozens of back and forth emails indicating this. They showed the account positively on their end. 

To this day, the account is still showing negatively. On my most recent XXXX report it is showing that payment after charge off/collection. 

On my Equifax it is showing as a collection account. 

When I requested verification from Utah XXXX XXXX, they in fact confirmed this was incorrect information and said they would have it fixed. In fact, they told me they sent for the information to be corrected, but obviously this incorrect information is still on my credit report and defaming my character and credit worthiness.
Product: Debt collection

Portfolio Recovery Associates is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report XXXX different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I have/had a Capitol One Credit Card with a minimum payment of $ XXXX. I set it up on automatic payments. The month of XXXX, I was shocked when I got multiple " warnings '' that my account was " past due ''. When I looked at my account online, my minimum payment had been raised {$100.00}. Despite the {$55.00} XXXX payment, I was charged a {$29.00} late fee and they hit me with {$50.00} in interest. It completely blew my mind because I was not informed WHATSOEVER this was going to happen. I only knew when I got the message my payment was " past due ''. In calling them, they told me I " should've checked my statement ''. This is such unbelievable theft and deception, it's hard to even comprehend. In order for ANY company to raise your payment, slam you with fees, interest rate, IT SHOULD BE MANDATORY THEY CONTACT YOU VIA WRITTEN DOCUMENTATION BEFORE THEY DO THIS. In calling them, they just gaslit me and infuriated me plus all you can reach is the call centers that these predatory criminals hide behind. It is nothing less than theft. So I cancelled my card and cut it up. Now I am receiving threatening " notices '' that " your account is past due '', like 2-3 times a day, and the amount due is listed as the balance of the account when the ONE thing they did tell me in between gaslighting me, because I kept asking, is my account payment would be $ XXXX. Yet, I am getting notices they want the balance, about {$1900.00}, right now. It's very confusing ONCE AGAIN because these people operate like a XXXX. They lie, they deceive, they misrepresent, they shuffle the terms and explanations like the shell game it is. They prey on the low income with insane interest rates anyway, then they pull this sth. They are predators. I want the harassment to stop. I want the payment amounts to stay consistent. I want the misrepresentation to stop. 
But mostly I want to know why these monsters are allowed to operate like this? Thank you.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Thank you.
Product: Mortgage

NO PHONE CALL HAS BEEN PLACED TO ME REGARDING THESE ERRORS. NOT FROM MY DEDICATED LOAN SPECIALIST ( XXXX XXXX ), OR FROM FROM XXXX XXXX ( CONSUMER RELATIONS SPECIALIST ). 

XX/XX/2018 NEW COMPLAINT AGAINST MR. COOPER- Loan # XXXX XXXX XXXX Two weeks ago I spoke with a Loan Specialist to discuss my Modification Documents to ask why my deceased husbands name was included in these documents. The woman I spoke with placed me on hold several times to ask other people in her department questions. She ultimately agreed that this was an error ( obviously ), and told me I would be receiving a new set of documents in just a few days. As a mortgage banker for many years, what I do know is Mortgage Loan documents should not include a deceased persons name anywhere in the legal verbiage of a contract like this. The reason I started this modification was due to XXXX untimely death this fact is cited in several places in my application, you also received his death certificate back in XXXX. I should not have received these documents with his name anywhere in them. Regardless, I was not very trusting of her commitment that I would receive anything due to the fact that I have been told so many different things that were incorrect throughout this process, no follow up, no returned phone calls from Dedicated Loan Specialists, lost documents I was very skeptical I would receive new loan documents.

I waited 10 days for new documents. No new loan documents were mailed.

During the period I was waiting for the corrected documents to arrive in the mail, I decided to review the Escrow Account funds that are being collected every month with my mortgage payment. I found ANOTHER mistake. 
My property taxes are {$6300.00} per year OR {$530.00} per month. 
Your company has decided to make me pay {$10000.00} per year OR {$840.00} per month??? 
The whole premise for my applying for this modification was so I can keep my home by paying a lower monthly payment. Asking me to over-fund an escrow account by {$3800.00} is ridiculous and flies in the face of what I have worked so hard to accomplish with this modification. 

On XX/XX/2018 I called and spoke with a woman named XXXX who said yes, I should be receiving corrected documents and she will check to see why I havent received them yet. I also told her the escrow account that has a monthly payment is {$3800.00} too much annually. She placed me on hold for quite some time. When she got back on the line she told me Mr. Cooper will not be re-drawing the incorrect documents. Just sign them and send them in. She also stated that my escrow account would remain at the dollar amount that has been determined and I can go ahead and CANCEL MY MODIFICATION IF I DONT AGREE WITH IT?!?!? 

On XX/XX/2018 - I left XXXX XXXX ( my 5th or 6th Dedicated Loan Specialist ) a very detailed voice mail about this situation. 

ITS NOW XX/XX/2018 - I HAVE NOT RECEIVED A CALL BACK FROM XXXX XXXX I require a phone call from your office immediately. 
Thank you XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. Kindly have an investigations regarding this complain.Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX reported to the credit bureau that i owe them {$13000.00} i called XXXX and asked them to provide the contract bteween me and them stated the i owe them {$13000.00} all i got from XXXXXXXX XXXX is the runaround
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Due to the Corona Virus I applied for a forbearance and was granted a 90-day forbearance by Select Portfolio Servicing. My financial circumstances improved after 60 days and I called to make repayment arrangements. I paid {$1000.00} and was to resume payments of {$1200.00} until XXXX - at which time I would be caught up. I began getting letters saying that I needed to contact the company to make repayment arrangements. When I called, I found out the arrangement had never been entered. After an hour on the phone, I was disconnected. I was called back by a woman with a thick XXXX accent who spoke very quickly which rendered the message not understandable. I have spoken to them and requested my original deal but was told that was not possible. Each time I reach out to Select Portfolio Servicing I spend time being passed between agents and more times than not end up getting cut off. 

I am trying to do the right thing but they seem incapable of handling my situation. 

XXXX XXXX
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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : 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 XXXXXX/XX/XXXX
Product: Bank account or service

Four months ago, I applied the CITIGOLD account with the promotion of XXXX AA miles. Before applying, I double checked with their representative if I 'm qualified, they told me yes, I 'm totally qualified. According to their policy, they should give me XXXX AA miles at the beginning of this month, but they did n't. I called them several times this month, the representatives checked and told me I 'm qualified for the promotion and they should have given me the bonus of XXXX XXXX miles. In the meantime, they told me they 'll go ahead and deposit XXXX XXXX miles to my XXXX account within 48 hours and they 'll email me about this. But I waited for a whole week, nothing happened. Then I called them today, they let me provide the proof that I 'm qualified for this promotion, which is ridiculous since that 's four months ago, how can I keep the proof with me? I receive lots of mails everyday!!! They said if I do n't have proof, then they 'll review the case and it 'll take 30-60 days. I feel like they do n't want to give me the bonus anymore, they 'll take one or two months to deal with this and I do n't even know the result. I feel like I 'm fooled by them. I googled and found out many customers are in trouble with this like me. I really do n't know what to say.
Product: Student loan

The XXXXXXXX XXXX XXXX XXXX XXXX which owns for-profit institutions including XXXX XXXX XXXX, in XXXX announced the closure of XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX across the country over the next few years, including the XXXX XXXX  was involved in a lawsuit settlement to have all loan forgiveness in XX/XX/year>.
Product: Mortgage

This company has randomly placed an escrow account for my homeowners insurance as well as property taxes. This step was never requested by me nor anyone acting on my behalf. 

In my attempts to rectify this situation over the last 6 months I have called no less than 8 times, spoken with dozens of staff members, sent the required paperwork over and over, and no one seems capable or willing to making this seemingly simple correction. 

As a result of this companys ineptitude, my mortgage payments are not being applied and I am being harassed by your collections people. This is inexcusable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED - XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Social media advertising ( XXXX ) advertises misleading information about Kikoff company providing credit improving and type of credit they offer. Advertising does not state the type of credit they offer until customers sign up and set up automatic payments with banking institutions. At no time does the company state the type of credit they offer to consumers. Once consumer pays and completes the sign up agreement, company states the type of credit it offers to consumers. This type of credit is for their own internal store, not real monetary credit. And when consumers access their online store, it only shows ebooks. If account is closed by the consumer, they provide to the credit bureaus a negative report against the consumer affecting the consumers credit. If the consumer does not provide real monetary credit cards to consumers upon signing up, they shouldnt be reporting to the credit bureaus at all. Of course, until they apply for a credit card which is a separe credit card services, but not what the consumer originally signs up for. As a result, all advertising videos on XXXX show people encouraging users to get credit with Kikoff but never state its an ebook store.