23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Sent Experian valid police report and they verified the account under a fraudulent address. They then deleted the fraudulent address : XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
I requested the account be re-disputed as fraud now that my credit report is correct, and they stated they will never dispute the account again even with that change. To contact the source. 

I am requesting that they start a new investigation.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the result of Identity theft, Transunion data Breach, and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXXXX/XX/year>, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX : Account number : XXXX, XXXX | XX/XX/year>, and XXXX | XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, TRANSUNION XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was very sick with XXXX as of XX/XX/XXXX, and was admitted to the hospital. I paid XX/XX/XXXX mortgage on XX/XX/XXXX. I sent a copy of my XXXX test result and a doctors note to Shellpoint. I also sent them screenshots of financial statements to prove that I had the funds available but was too sick at the hospital to make the payment. However, Shellpoint Mortgage totally disregards the documents and focuses solely on the late XX/XX/XXXX payment. 
According to the Consumer Finance Protection Bureau website, lenders and creditors can not report a customer who is impacted by XXXX to the credit bureau XXXX 
My credit score was impacted by over XXXX points as a result of the late reporting to the credit bureau. I have owned this property since XX/XX/XXXX, and my payments have NEVER been past due. I reached out to Shellpoint Mortgage via phone and in writing and they refused to fix the late reporting to the credit bureau. I am asking for assistance from this agency to resolve this matter because it is unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. 
Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. 

I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

There are 6 hard inquiries on my report that are unauthorized. I have not expressed permission to publish this private info.
Product: Credit card or prepaid card

Amex is insisting that i pay an amount to a hotel where i had my daughters ' wedding, in XXXX XXXX, though i have not authorized it. The hotel charged my Amex card without my consent and i informed them that i have not authorized it and it amounts to fraud and i will dispute it. Thereafter the hotel has not even responded to my email. 

I took up the matter with Amex and have sent in written complaints and have also spoken to a dozen reps and they are unable to resolve the issue. They disputed the amount and then later put it back on saying that they feel the charge is legitimate. The question here is how can Amex determine if the charge is legitimate or not? How can they appoint themselves a judge and determine that an amount is owed by me? Their job is simply to pay if i have authorized a charge and not pay if i have not authorized it. 

I have used various cards to pay the hotel all their charges and they do not have access to any card number of mine. They only had my Amex number with them as i gave them the card number to charge a deposit amount of {$3000.00} in order to book the hotel. After this they would send me links to pay and i paid off the entire contracted amount using those links and therefore they had no access to my card details. 

The basic question here is not whether i owe money or how much. The question is why should Amex pay any amount on my behalf without my authorization or signature? If the hotel has a charge for me then they have to take up the matter with me and can not go behind my back and charge whatever they want. If there is a dispute then it is between the hotel and me and it is not the job of Amex to try and resolve it. 

Please let me know what i should do as Amex keeps contacting me asking me to make the payment.
Product: Debt collection

Two paid medical accounts from XX/XX/2015 were reported in error and the reporter, XXXX XXXX, agreed to fix asap and tell both CRAs, TransUnion & XX/XX/XXXX, to delete the information. Instead, my credit monitoring services have repeatedly alerted me that my credit scores at TransUnion and XX/XX/XXXXhave dropped dramatically as a result of this mis-information and is currently being reported. 

I disputed the information with XX/XX/XXXXbut TransUnion 's online site will not let me dispute it. I called XXXX XXXX and had them fax me letters documenting the accounts were paid and that the information should be immediately deleted from both TransUnion and XX/XX/XXXX. The documentation from XXXX is attached. 

I want TransUnion and XX/XX/XXXXto delete the information immediately and update my scores.
Product: Checking or savings account

I was the victim of a check washing scam. I reported the scam to Bank of America 2 hours after discovering my check had been washed. For over 90 days, they claimed they were conducting an investigation into the check fraud. After 90 days ended, they sent me a letter saying that I would not be compensated for the check was because it was reported after 60 days of it actually occurring. During that 90 day period, multiple people at Bank of America insisted that I would be reimbursed for the washed check. Bank of America Fraud line XXXX from Tennessee admitted that they only completed a slight investigation, Bank of America took no meaningful actions to protect my best interest in this case. Furthermore, Bank of America refused to provide me with any information regarding the fraudulent transaction.
Product: Checking or savings account

I was offered a bonus if I opened an account with Citibank and sent them a substantial amount of funds. After meeting all of Citibank 's requirements they have not yet paid me the bonus which is past due.
Product: Credit card

I overpaid a statement by XXXX cents. That overpayment was reflected as a credit on subsequent bills. 
My statement closing XXXX XXXXXXXX XXXX, showed a " debit adjustment '' " purchase '' of XXXX cents on XXXX XXXX. That took my XXXX cents and XXXX  out my account. 
I called Chase Bank XXXX for an explanation and was told the issue would have to be escalated and reviewed. I would get a letter of explanation in XXXX business days. 
We're beyond that, now. 
I want to know what happened to my XXXX cents. Did Chase take it for their convenience? Is that common? Is that legal? How do I get my XXXXXXXX XXXX restored? 
What's so difficult about letting my XXXXXXXX XXXX  just " be ''? Why do we have to go through this?
Product: Credit card or prepaid card

My child support was issued on XX/XX/2018. I still have not received my direct deposit. I have called netspend ( XXXX ) and they state theres no issue then change their story to read what sounded like a pre written script saying they are having issues and theres no resolution time. I have XXXX funds. this caused me to bounce a check and theres no time frame when I'll get my child support not to mention my paycheck I'm supposed to get tomorrow.
Product: Credit card

I went through debt reformation using XXXX XXXX XXXX for my XXXX backed XXXX card. I completed my program and paid all debts off.

I reviewed my credit score last year and noticed Synchrony did not follow through on the agreement, so I flagged it for review. Synchrony then decided to sell the debt they said I owed to XXXX XXXX who has used the multiple debt collection companies they own to harass me since XX/XX/year>, even though I have provided documentation proving I don't owe any money. 
I contacted Synchrony multiple times and recently received a letter stating they sold the debt and that I need to work with XXXX XXXX. 
The debt companies won't back off even with proof because they just want the money and Synchrony had no right to sell a debt I paid off and should be the one to resolve this.
Product: Student loan

My mother received a rude and threatening phone call on XX/XX/19 @ approximately XXXX XXXX regarding contacting me about my loan. A friend received a call at approximately XXXX XXXX on XX/XX/19 for the same. Neither have anything to do with my loan, have no information regarding my loan and know anything about my loan. I have also been receiving up to 5-10 phone calls per day from various area codes around the United States and with Navient 's caller id both, leaving both robocall and live person messages. I have attempted to lower my payments and requested multiple times deferments and have been denied. I can not pay {$1600.00} a month. That's almost my entire monthly take home pay. Navient refuses to work with me and are now harassing my friends and family to get the debt paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX collection # XXXX, Account name : XXXX collection # XXXX, Account name : XXXX # XXXX, Account name : XXXX  collection XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX  XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.
Product: Credit reporting or other personal consumer reports

Dear Sir/ Madam, I am writing to you as Transunion dropped my credit score by XXXX points back in XX/XX/2024, for a 4 day late payment on my leased car! is that a logical practice to drop the score tremendously and for 4 days late only? 
Now, a few days ago, they dropped my score for no explained reason at all by another XXXX points. 
Therefore, in a month and half my score dropped from XXXX to XXXX. 
Additionally, almost XXXX years ago, they have dropped my score by XXXX points for no reason. When I called them, they said " we have no idea '' ( Call center based in the XXXX on a recorded line ). 
This company seems to be running a scam and needs to be held accountable due to the financial damage it caused to me and to others. 
What's interesting is, that all those massive score dropping incidents only occurred whenever I looked for a car or a home loan ( just looking without inquiry ). 

It's clear that TransUnion is using AI ( ARTIFICIAL INTELLEGINCE ) to identify customers who are looking for loans, therefore TransUnion crushes their Credit score to get the highest interest rates. 

If Transunion denies, they will be taken to court and exposed publicly. 

I look forward to hearing back from you ASAP and to save so many other possible victims XXXX ( XXXX ), XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some fraud on my credit report I have sent out the paperwork and account information to all three credit bureaus. I have sent in everything I was told to send.The following account are not mines someone has used my personal ID and information to open up several account fraudulently. I have filed a report and I want to know what else does Trans Union, XXXX, XXXX  need from me to move this process forward??
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/2018 at XXXX to inform them that I am a victim of the current inquiry issue. The representative by the name of XXXX refused to assist me with the removal of the unauthorized inquiries on my credit file.
Product: Credit reporting

TRANSUNION is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have 30 days to responded to my request. I also need TRANSUNION to present a certified final forensic audit in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also need them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to TRANSUNION regarding accounts that is not mine and it has been more than 60 days and no response from them. TransUnion disregarded the law by not responding to consumers disputes.
Product: Debt collection

We have been trying to call Scheer, Green, & Burke since XXXX to pay our medical debt. We have left several messages on their automated voicemail with no attempts of them returning our call. Spoke with the secretary and was informed that was the only way to reach them. Total balance as of XX/XX/2020 {$1500.00} from XXXX XXXX University XXXX with reference # XXXX. We have asked them to please call back on my cell at XXXX with detailed voice messages. We would like to make payment plans or pay by credit card. Their statement says to contact them at XXXX. Thank you!
Product: Debt collection

Enterprise Recovery Systems out of IL contacted a coworker at my place of business. 

This is from an IM of that conversation : " XXXX XXXX [ XXXX ] : Hello, I have XXXX from Enterprise Recovery Systems Incorporated calling asking for you, are you available? 
XXXX XXXX [ XXXX ] : She is no longer on the line, I sent her to your voicemail. I also got contact infotmation for her. 
She can be contacted at XXXX Option 1. Ext # XXXX '' I contacted XXXX and she said the only way I could verify my identity was to provide her my SSN. I refused and she mentioned that the calls to my employer may not stop till I provide my SSN. I spoke with her supervisor and she said that I need to give them my SSN. Ultimately, I said no and she hung up on me. 

Companies should not call and ask for SSN and other companies should not give that information away. They would not tell me anything about the debt till they got my SSN. They should not have my SSN. Companies should not give SSN 's to mom and pop debt collectors that could not tell me they are keeping that information safe!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Product: Debt collection

I informed Citibank Credit Card Services, in writing via U.S. Mail, that my wife had lost her job after having Covid twice, and had not found suitable work yet still, and that I am legally XXXX and unable to pay anything, and do not care if my debt with them is charged off, over and over again, and yet they call many times during each month. and not to call me again.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX who said he is working for XXXX which involved me making deposits for a total amount of XXXX ETH from my Gemini account to a fraudulent investment firm ( s ).
Product: Credit card or prepaid card

My identity was stolen and this creditor will not remove this fraud account from my report
Product: Mortgage

The mortgage has been purchased by three different companies over an 8-year period and the current company is showing that since XX/XX/XXXX until XXXX only XXXX has been paid on the principal amount of XXXX over the more than 3-year period of payments. The statement of XX/XX/XXXX indicate that the of amount of XXXX has been applied to the principal year to date. However, the outstanding balance still remains XXXX. This balance does not reflect the years from XX/XX/XXXX to XX/XX/XXXX. I have attempted to resolve the matter but only received an escrow statement indicating the monthly payment has been reduced to XXXX monthly. The statement indicates an escrow shortage that will be added to the new monthly payment of XXXX.
Product: Mortgage

We have tried to get a loan modification for over 2 years and the bank always asks for more documents. We always send everything on time. Now Select portfolio Servicing is saying they will no longer give me any workout options. HOW MUCH LONGER WILL I HAVE TO TRY TO GET A LOAN MODIFICATION? It should not take over 2 YEARS to get a loan modification. This company is not doing anything for my benefit but only for theirs. They placed my home on foreclosure and this is a very big threat to me and my family. I have tried and tried to get a loan modification with them and they will not give me XXXX. They always say, we need this and this and this and once it 's too close to the sale date they say ooops sorry it 's to close we ca n't do anything for you now.I make {$3300.00} every month it 's enough to make payments and quality under the Government HAMP modification program. I have a close friend who recently got a loan modification from XXXX XXXX XXXX ; she has a very similar situation as me. Same size house, same year, and same loan amount and she received a loan modification payment in the amount of {$670.00} a month. Why ca n't I qualify when I receive more money than her? They are violating the " California Homeowner Bill of Rights '' law. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTSThe California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX