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

I sent a letter on XX/XX/2022 to CREDIT BUREAUS to remove XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, XXXX XXXX Balance -, and XXXX XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX ) XXXX Balance {$130.00} that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after theXXXX XXXX letter I sent. .Ive already included this in my previous Complaint # XXXX XXXX and XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

The situation that I'm having with credit journey, is that im trying to fix my credit by paying my payment 's on time and my monthly score goes up XXXX points one month and the next month my score goes down XXXX or XXXX points from past XXXX to XXXX XXXX XXXX mistakes I've done, these are very old inquiries or mistake I've done that is not who I am today I'm trying to improve. But the judgment of the the past is making it impossible for my credit score to ever recover and staying very low.
Product: Credit reporting, credit repair services, or other personal consumer reports

This communication is in response to Complaint ID : XXXX with XXXX XXXX. I have received correspondence that XXXX XXXX and they didn't receive any verbal nor written agreement from the original creditor in order to validate the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report. 

This is a clear violation of my rights under the Consumer File Rights, Fair Credit Reporting Act, as well as the Fair Debt Collection Practices Act. If they aren't able to validate the debt, then they need to remove the item from my credit. 

As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. 

This item doesn't have enough support to validate being mine, let along negatively impacting my credit report.
Product: Credit card or prepaid card

On WednesdayXX/XX/XXXX I was finally able to get a representative on the phone about my Mississippi Stimulus EPPI card. This complaint is a continuation of the previous MS EPPI card situation I submitted previously. The card was eventually cancelled and they sent me a new EPPI card out after speaking with them on XXXX XXXX. I called today to report the second card was never received. The representative said she would cancel the second card, since I never received it. The initial previous problem has been corrected. My correct DOB have now been entered into the system. Once I receive the 3rd card, I should have a problem with activating and access my card.

I explained the horror I have experienced with the MS EPPI card, and she said that she would express the new card to me and I should receive it in two days. A fee of {$16.00} was charged to my EPPI card that I have never received. 
On Friday XX/XX/2020, I received the new Mississippi Stimulus EPPI card. I was now thankful I received the new card and I was able to activate it with no problems.

After activating the card, the recording stated that my new Mississippi Stimulus EPPI card was overdrawn - {$16.00}. I couldn't believe this, I was overdrawn {$16.00}. I called the system to try to contact someone to assist me, to no avail. I then listened to the recording and I still was - {$16.00} plus a XXXX cents. Apparently every inquiry I made with the card, it would charge me XXXX cents per call. I now have a total of {$3.00} in inquiry fees + the {$16.00} charge to expedite the card with NO funds attached. I called the number on the card to speak to someone in the call center on Saturday XX/XX/2020. The representative was in a call center in Texas. They were clueless as to why stimulus funds was on a government issued card. The representative asked his supervisor to help me since they were baffled by this incident. They were unable to assist me. They supervisor provided me another number, which was to a call center in Wisconsin, and the representative was very rude, uncaring and unhelpful. I hung up and I'm now back to CFPB to assist me in getting funds on this card. This has been the worst experience, and the number on the card really does not assist someone with a unique situation. The system is set up to assist users with frequently asked questions, any questions unrelated to the ones set up in the system, then you are out of luck. Please help me to see how funds can be placed on my card. I am not responsible for the continuous problems with the card and its so unfair that I have to pay for them. Please help me to resolve this issue.
Product: Mortgage

thank you for taking the time to review my complaint. I submitted a complaint prior to this XXXX. The complaint number is XXXX. As I stated in my complaint, I was able to get more information that helped but I have a many problems dealing with Shellpoint, please allow me to explain further. 
On XX/XX/XXXX I had an appointment with my housing counselor XXXX XXXX at the XXXX ( XXXX ), we were discussing the issues with my mortgage and that Shellpoint was asking me to complete hardship paperwork. I explained to XXXX XXXX that I do not want to complete the paperwork because I have submitted the paperwork to them before and my income and resources have not changed drastically, also they are asking for too much information, and at this point I just do not trust Shellpoint at all. XXXX XXXX did explain that it is customary for most Lenders or Servicers to have borrowers complete the Hardship Affidavitt. I told her I understood that but I am not completing the application, my issue is more of a complaint than a hardship. We placed a call to Shellpoint and spoke with a Rep by the name of XXXX XXXX at ext. XXXX. I explained that I am aware that I am behind and I would like to get on a repayment plan and also have the automatic payments of XXXX set up on my account cancelled until I get caught up. There was a requirement of a pymt of XXXX to put down but I explained that I did not have the extra XXXX to put down and could the previous pymt of XXXX be used? XXXX XXXX explained that he could not use that payment but did agree to forgo the XXXX and he would call me on the XXXX of XXXX for the XXXX. We set up a repayment of XXXX for XXXX, XXXX and XXXX and XXXX XXXX was supposed to call me back on XXXX XXXX to take the XXXX payment for XXXX. I did not receive the phone nor did Shellpoint cancel the automatic deduction on the account. 
The other issue I am having is that the insurance that is on my loans with Shellpoint seem to overlap. The Master policy number is : XXXX. This policy covers loan numbers : XXXX, with effective dates of XXXX and loan XXXX with effective dates of XXXX. As you can see there is an overlap or it appears that there is XXXX policies on only XXXX loans. Please help me in sorting this out. All I want is to get back current on my loans and apply for my own homeowners insurance to get back on track and have the payments back at the modified amounts of XXXX and XXXX. I have attached the home insurance policy information for your review. As far as the conversation on XX/XX/XXXX with XXXX XXXX, my housing counselor documented the conversation. You can reach XXXX XXXX at XXXXXXXXXXXX or XXXX, XXXX. Thank you for taking the time to review my complaint, I look forward to hearing from you soon. 
PLEASE NOTE : I will have to fax the policy information, my scanner did not work. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX Addres : XXXX XXXX XXXX zip cod XXXX DOB : XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX Bureau name : XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Recently : I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation 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 ( XXXX XXXX  ) 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 investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately ; Account XXXX XXXX XXXX account # XXXX this account is being reported inaccurately, please remove this from my report credit, immediately.
Product: Credit reporting or other personal consumer reports

I have been attempting to login to TransUnion website ( XXXX XXXX XXXX XXXX : DSS : Login ) to thaw my credit freeze in order to apply for a loan. During the login process, TransUnion tells me that they've sent a 6 digit code to my email address that I need to enter. However I never received such an email. Upon searching online, I see that this is a fairly frequent occurrence with TransUnion website failing to send the code for hours or days and seem to occur almost daily or several times every week. It seems that TransUnion is not making any good faith attempt to fix this problem. The automated phone system to thaw credit report is also unable to retrieve information and requires one to call back during regular business hours and wait several hours on hold to reach an agent. Here are few example online links where others have faced this issue since years! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are many more such threads online spanning over several years and if one reads the threads they'll also notice that the service goes down several times a week during off-business hours. This is highly inconvenient for consumers who need to apply for loans or credit and need you wait for business hours so they can call ( and wait on hold ) to reach an agent who can then unfreeze/thaw credit report for them.
Product: Mortgage

I can not get my escrow account with CitiMortgage corrected due to tax refund discrepancies. I have been overcharged for my taxes and XXXX County tax commissioner 's office resolved the issue, but I can not get it corrected with my mortgage company. My XXXX exemption with XXXX County Tax Commissioner 's office was reinstated to my property in XXXX XXXX. My homestead exemption was removed from my property for the years of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX was the specialist that handled the reinstatement of my homestead exemption with XXXX County Tax Commissioner office. Her contact information is XXXX. The XXXX County Tax Commissioner 's office stated that they mailed refund checks because with my homestead reapplied to my property, my taxes were lower. The County Tax office stated they mailed XXXX checks to my mortgage company - CitiMortgage -- in the amounts of - {$280.00} ( check # XXXX ), {$13.00} ( check # XXXX ) and {$6000.00} ( check # XXXX ). These checks were mailed out on XXXX XXXX, XXXX. I have contacted my mortgage company several times and each time I was given a different amount on the tax refund the XXXX County Tax office sent to them. On XXXX XXXX, XXXX, I received a letter from CitiMortgage stating that the tax office will be sending them refund checks in the amount of {$41.00} from XXXX County over payment and {$950.00} from XXXX XXXX/ XXXX over payment. Then on XXXX XXXX, XXXX, CitiMortgage sent me an escrow disclosure statement stating they received refund checks of {$3500.00} ( check # XXXX ) and {$13.00} from the tax office. The discrepancy between what the XXXX County Tax office refund amounts is said to be and what CitiMortgage say they actually received is very concerning to me. I can not get my escrow account with CitiMortgage properly settled because the tax office will not give me anything in writing of the refund amounts sent out on XXXX XXXX, XXXX and CitiMortgage stated it will take 30 to 90 days to investigate the refunds the tax office actually sent them. In the meantime, with all this confusion, I have to pay my mortgage that is over charging me for my escrow, when I was already overcharged for XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

I did a patient satisfaction survey and was dissatisfied with the care provider by the entire hospital staff. I received a call from the patient advocate and we discussed my experience and the patient advocate apologized profusely. I was informed that my bill will be written off. I was surprised to now see this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Date : XX/XX/2017 Amount : {$460.00}
Product: Mortgage

Balance reduction letter sent no BALANCE REDUCTION WAS DONE SEE LETTER was standard modification keep sending! have paperwork for state and federal court to file trying to avoid! ( and modifcation was sent more than once_
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are negatively impacting my credit score. The following accounts have been reported as delinquent or charged off, but I do not believe that I am responsible for them : First, the collection account from XXXX XXXX XXXX XXXX for XXXX. I have no recollection of ever having done business with this company and do not believe I owe them any money. 

Second, the collection account from XXXX XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX or XXXX XXXX XXXX regarding this debt. 

Third, the collection account from XXXX XXXX for XXXX, which they claim is an original debt from XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have never received any communication from XXXX XXXX XXXX or XXXX XXXX regarding this debt. 

Fourth, the charge off account from XXXXXXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

Fifth, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Sixth, the charge off account from XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX or receiving any communication from them regarding this account. 

Seventh, the charge off account from XXXX XXXX XXXX XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX XXXX XXXX XXXX or receiving any communication from them regarding this account. 

Eighth, the charge off account from XXXX XXXX  XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX  XXXX or receiving any communication from them regarding this account. 

Finally, the charge off account from XXXX XXXX for XXXX. I dispute this account as I have no memory of opening an account with XXXX XXXX or receiving any communication from them regarding this account. 

I believe that these items are inaccurate and are causing undue harm to my credit score. As such, I request that you investigate these items and remove them from my credit report if you find them to be erroneous. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

I have received discharge order from bankruptcy court on XXXX XXXX, 2000. 
But on my credit report, there is still a account balance is $ XXXXPlease remove {$120000.00} from the account balance ( Closed account ).
Product: Credit card or prepaid card

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially XXXX  me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account is adding interest onto a charged off account. The account was charged off. The rep told me at court that a judge can agree to make me pay more interest but i have no judgments about court ever. They are reporting two different amounts owed to experian and equifax. Equifax is also reporting that the loan is on time in 2021. The amount not the same on my credit reports, thus making reporting information incorrect and should be removed from my credit report for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

im working with XXXX XXXX to help repair my credit .little over a year ago someone tried to use my ss # i had to send information to the irs and other creditors so if you could please remove the hard inquires on my report i would appreciated thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported XXXX XXXX {$0.00} / XX/XX/2022
Product: Checking or savings account

On XX/XX/XXXX, I noticed unauthorized withdrawals from my checking account totaling {$2100.00} ( {$300.00} times 7 withdrawals ). I contacted Citibank immediately and they cancelled my debit card and sent me a new one. I explained to them that I never let anyone use my card and I always have it in my wallet. This account is only used to pay all my mothers bills. She is XXXX and has XXXX. Citibank refused to refund the {$2100.00}. They said they don't use the ATM cameras to help them make their decision, even though this will prove its not me and they will have the thieves picture and description. They rejected me saying that " the activity appears to be consistent with my normal banking activity ''
Product: Credit reporting or other personal consumer reports

XXXX  XXXX uses its own provider for credit verification named Clarity services XXXX XXXX XXXX XXXX XXXX XXXX They produced a creditor score rating of XXXX and stated that the account is in poor standing and that it has excessive changing information and derogatory accounts. 

I find this to be a violation under 18 usc 894 It includes the following provisions : Advancing money or property with the intention of making extortionate extensions of credit is punishable by fine or imprisonment1. 
Participation in the use of extortionate means to collect or punish nonrepayment of credit can result in fines or imprisonment
Product: Student loan

Keep getting interest rate increases without any late payments or any notice.    XXXX   XXXX    XXXX    XXXX    XXXX
Product: Checking or savings account

On XX/XX/XXXX Wells Fargo Bank made a debit to my account in the amount of {$1300.00} for " Transaction Correction - Mobile deposit check posted twice - REF # XXXX. '' On a call to their customer service department I was told that my Wells Fargo ATM deposit on XX/XX/XXXX was being returned because the name in the payee blank did not match my full name. I have deposited a check in that amount with an identical payee name nearly every week between XX/XX/XXXX and XXXX of this year and the check had never been denied for that reason. I was told I would receive a letter and the check in the mail. 

I received a letter on XXXX saying that a check I deposited in the amount of {$1300.00} on XX/XX/XXXX was deposited a second time on XX/XX/XXXX. First, there is no second deposit of this check on any of my bank statements or in the transactions shown in mobile banking. Second, Wells Fargo credited that mobile deposit on XX/XX/XXXX and they then debited my account in the same amount on the same day and it is listed as " DEPOSITED ITEM RETN UNPAID - PAPER XXXX ''. 

On the letter I was sent, both the alleged XX/XX/XXXX transaction as well as the fictitious transaction from XX/XX/XXXX have sequence numbers. The fictitious transaction has a sequence number that is XXXX. The real transaction has a sequence number of XXXX. I don't think it is coincidence that the fictitious transaction has a sequence number that doesn't match their standard format. I was told by a helpful bank officer in one of their branches that the fictitious all nine 's number can't be right. 

I was given a reference number XXXX, So, they debited my account {$1300.00} without notifying me for a check I deposited that they did not credit to my account. 

I have filed a complaint and a dispute of my transaction. I was told that most disputes are handled in 3-4 business days, but some take longer. I have asked them to credit the amount they debited on XX/XX/XXXX pending the resolution of this dispute. They refused that reasonable request. All of this took over 5 hours of phone calls where I was constantly transferred to different departments most of which could not help me. The level of incompetence boggles the mind. 

I do not believe that I am the only victim of a similar complaint.
Product: Debt collection

XX/XX/XXXX they claimed I owe them an application fee.. I called them and explained that it wasnt me me and how I was going to fiord a police report against them.. they told me they was send me a fraud packet.. u never received it I never applied to any apartments in XXXX
Product: Debt collection

A company called Lvnv funding is trying to say I owe credit one bank money. I have never signed any agreements with lvnv and have no knowledge of them. They are reporting negative information illegally on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 DISMSD/CLSD CHXXXX