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

I've mailed multiple letters out demanding the inaccurate information on my credit report be fixed. XXXX  has negated to acknowledge I am submitting these complaints. I have supplied appropriate proof of identity to show it is me ( XXXX XXXX ) submitting these complaints. XXXX 's automated message is a disgrace and they are not taking the time to make sure the consumer complaint is being handled the right way. XXXX  and TransUnion have failed to produce results from their investigation. The items mentioned in the letters attached need to be deleted and I need to be provided the updated credit report showing they are removed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have recieved some correspondence from SPS Servicing in response to a complaint filed. 

Please may I know where the origin of this blue Document is located? I would appreciate if there can be some other way of communicating and distributing the communication options.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX Account XXXX Inaccuracies and XXXX XXXX. Account Balance and High Credit Conflict : o Balance : {$5600.00} o High Credit : {$5600.00} o XXXX XXXX : {$4200.00} o The high credit matches the balance, but both exceed the credit limit, raising a red flag for verification. 
XXXX. Discrepancy in " Last Reported '' Dates : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o XXXX : XX/XX/XXXX o Future reporting dates violate the FCRA 's accuracy requirements. 
XXXX. Conflicting Comments : o TransUnion : " Dispute resolved ; customer disagrees. '' o XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' o XXXX : " Consumer disputes after resolution ; charged off account. '' o The comments indicate unresolved disputes despite being marked as " resolved, '' leading to inconsistent reporting. 
XXXX. Date Last Active and Date of Last Payment Issues : o Date Last Active : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX o Date of Last Payment : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : Missing information. 
XXXX. Payment Status Conflicts : o All three bureaus list " Collection/Chargeoff, '' but the payment history shows inconsistent " CO '' and " OK '' marks, especially for XXXX, XXXX there is a mix of " OK '' and " XXXX '' XXXX. Two-Year Payment History : o The payment history shows " OK '' statuses in some months even after the account is listed as charged off, leading to reporting contradictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Midwest Recovery Systems charged me a balance of {$1400.00}. 

I do not know who these people are and what type of company this is. I tried calling there customer service hotline many times but was only able to reach an emergency department. 
I believe this to be a very fraudulent use of my identity and credit report. And I need this issue to be resolved in a quick and timely manner.
Product: Credit card or prepaid card

XXXX, PA, a law firm in XXXX XXXX, North Carolina, wrote a check from an escrow fund containing my money on XX/XX/XXXX. The check for {$8500.00} was sent to Barclays at the address shown on their website. This check was to pay down debt on a XXXX XXXX XXXX as part of a real estate closing. 

Barclays deposited the check on XX/XX/XXXX at a bank in XXXX, Maryland. XXXX has a copy of the canceled check. Yet Barclays has not applied the payment to my account and continues to charge me interest on the balance. 

In a three-way call today, an attorney from XXXX and I were told by a Barclays customer service representative that a case has been created ( # XXXX ) and Barclays is investigating. Apparently, they have no idea where the money is or why it hasn't been applied. I was told it will be another 30-60 days before the case is resolved. 

The Barclays representative says this is " a known problem. '' I don't know if he meant my lost money in particular, or if they have several cases where deposited money has vanished.

Either way, this is unacceptable. We asked if we could contact the Investigations Department directly and were told no. My attorney was very upset and suggested that I file a complaint with Consumer Protection, so this is it. 

I want my {$8500.00} -- which I know for a fact is in Barclays ' possession -- to be applied to my credit card account without delay, without any more vague promises for eventual resolution. I want the finance charges for this period to be rebated or forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

Effective XXXX XXXX 2017 It is to my understanding that my credit report will require any public record such as a lawsuit, judgement, tax lien and real property lien submitted for reporting on a consumers credit report, to include the consumer 's name, address and either their social security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumer 's credit report. I would like to have 3 bankruptcies and 1 tax lien investigated immediately and removed from my report.
Thanks in Advance, XXXX XXXX
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.

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 finish 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 XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX originally disputed my XXXX insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few XXXX dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department XXXX XXXX in regards to them not originally accepting my XXXX  insurance claim and refund of the several prepaid years of the insurance policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXXT # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$2400.00} XXXXXXXX XXXXBalance {$0.00} XXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Money transfer, virtual currency, or money service

I am complaining Bank of America as follows ; My local bank " XXXX XXXX Bank '' in XXXX, send a " RECALL OF THE FUNDS '' to Bank of America in XXXX ( copy attached ), however, Bank of America did not response to my local Bank till today. 

See below the refund request sent from my local Bank in XXXX to Bank of America : { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX, VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR URGENT REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
RXXXX XXXX XXXX XXXX XXXX XXXX { XXXX : XXXX } { XXXX : XXXX } { XXXX : { XXXX : XXXX } } { XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX DEPART .... 
. 
IN RELATION TO OUR XXXX REFERENCE XXXX FOR AMOUNT XXXX WITH VALUE DATE XXXX. 
PLEASE BE ADVISED THAT WE HAVE BEEN CONTACTED BY THE REMITTER FOR THE RECALL OF THE FUNDS. 
HENCE PLEASE CONSIDER THIS AS OUR SECOND REQUEST FOR THE USE OF THE FUNDS AND RETURN THE FUNDS TO US AT EARLIEST. 
. 
FOR ANY FUTURE CORRESPONDENCE RELATED TO THIS CASE PLEASE QUOTE OUR ENQUIRY REFERENCE XXXX. 
REGARDS CLIENT SERVICES STANDARD CHARTERED BANK
Product: Debt collection

The XXXX XXXX XXXXk XXXX {$300.00} does not belong to me and reports invalid unvalidated information harming my credit file. A letter was sent to them and I have received no response in 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion consistently ( for TEN years! ) has refused to provide me my free annual credit report online. Their reason is always either technical difficulty or could not verify my identity. They then tell me I have to pay for my credit report for a monthly fee of {$24.00}. I use the exact same form with the exact same information for XXXX and XXXX and have never had a problem accessing my free annual credit report online. This is a problem specific to TransUnion. I also notice that when I put my address information in the form, when it gets to the TransUnion site, it puts my previous address in the current address field, which could potentially cause a verification issue, but that aside, even when I have lived at the same address for more than 2 years and don't need to provide a previous address, I still get error messages of a technical difficulty or can not verify my identity. Again, the exact same form from the annual credit report official website with the exact same information does not create any problems in access my credit reports for XXXX nor XXXX. This is TransUnion only and I believe they are just trying to get people to subscribe to their service and pay the monthly fee when people are unable or unwilling to wait up to 30 days to get their report, rather than get it instantly like XXXX and XXXX.
Product: Debt collection

I disputed the amount and asked them to verify the amount. They property included amounts that were not discussed with me.
Product: Student loan

Navient keeps calling and from multiple numbers. I started to write a list of dates and times. XXXX XXXX owes me if anything!
Product: Checking or savings account

We were scammed by who we thought was a XXXX customer support person when needing help with a XXXX transfer to us. The scammer got us to believe that we were increasing the amount to send/receive from XXXX to the default of {$2500.00}. He provided us with what he called a system generated code, which was in reality a phone number that made us make an unauthorized transfer of {$1600.00} from our account. 
Immediately we contacted our bank, Capital One, and told them what just happened while we were still on phone with scammer. We filed a fraud claim with Capital One. They restricted our accounts and we opened new accounts. After about XXXX weeks, we got a vague email from Capital One that claim was denied as they found no error. We called Capital One and requested an appeal and for claim to be reopened for a rebuttal and provided them with all information we had before. We are waiting for their investigation. 
The claim number with capital One is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine XXXXXXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Mortgage

I was in the process of getting a mortgage through Quicken Loans. I felt my rate of 4.25 % was n't the best rate I could get, so I began looking at other banks in the area. I was told by XXXX XXXX that other banks would give me a lower interest rate, but then last minute say I would have to pay origination fees and points to keep that rate. Quicken Loans would not do that to me. So I stayed with Quicken Loans. When I received my first loan estimate, it had those closing costs of {$2100.00} ( {$790.00} origination fee + {$1300.00} for XXXX whole point ). I immediately contacted XXXX asking why those fees were there. He assured me that Quicken Loans would credit the entire {$2100.00}, and those would not be included in the closing costs. I was satisfied with this response until I saw a new Loan Estimate still showing {$1100.00} for XXXX points. I once again called to ask why that was there. I was again told that it would be gone and not affect me. At one point, I had been told that at closing, I would only need the 20 % down payment plus or minus {$100.00}, since the seller was paying closing costs of {$4500.00}. I received my final loan estimate, and it showed I was going to have an additional {$620.00} I would have to pay on top of the 20 %. I once again complained to them saying that if that {$1100.00} of points were taken off, the sellers {$4500.00} would more than cover the extra {$620.00} I was having to pay. They would not take the fee off, or believe that I should n't be charged for it. Finally, this morning, the morning of closing on the house, they called and admitted that when they listened to our conversations, I had been told that I would not be charged any origination fees or points. However, since the seller was paying for {$4500.00} of closing costs, the {$1100.00} was included in their expenses. They would not credit the {$1100.00} because it would make seller closing costs less than the {$4500.00}. I told them they could at least charge half a point, or something less, to make the extra money I had to bring to closing, be less. They refused and do n't believe it should be taken off, since the seller is paying for it anyway. This is an extra {$630.00} out of my pocket when I have just paid a 20 % down payment. I could really use that money at this time, and they have taken it from me. When I was at closing, the woman with the title company said they were terrible to work with. She and my realtor ( and a lender I spoke with afterwards ), all agreed that it looked like they were just charging bogus fees to eat up the seller 's {$4500.00}. They said it definitely seemed like fraud. I went and spoke with the lender in that office, and he confirmed that they had done me wrong. He said I should be able to get an interest rate of 4.125 % with no points or fees, yet they charged me {$1100.00} to get a rate of 4.25 %. The lender recommended I file a complaint here, as what they had done was completely unfair to me. Another complaint we had was that they really drew out the process of closing. My realtor thought I should be able to close almost 2 weeks before they let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Payday loan, title loan, or personal loan

Ive already tried to contact the company to request an extension, which I know I am privy to in my state of Kentucky, I also know this company is not following laws per my state of Kentucky. 
I contacted them again today, but I have no faith that they will heed and follow my request, especially considering theyre not following the laws in my state, and their interest rate is astronomical and unreasonable. 
I am now asking to cease automatic payments with them, especially as theyre now starting to cause me NSF fees with my bank unless theyre willing to come up with a reasonable payment plan. 
Though as Ive contacted them previously, I have no faith that they will work with me. 
They prey on people like me that feel we have no other choice but to deal with their fraudulent ways.
Product: Bank account or service

I opened an account with M & T Bank last month, seeing the promotion for a {$150.00} cash bonus which attracted me to the bank. Late last month, I made a direct deposit, qualifying me for the {$150.00} bonus, which was revoked on XX/XX/XXXX ( yesterday ). After numerous messages to the bank on their website, I have yet to receive a response. Now, later today they completely closed my account with no warning. I called them and was on the phone for an hour speaking to a supervisor whom was advised not to tell me information about MY account. An identity verification was done via fax as requested a couple days earlier. I 'm forced to step into a branch that is n't local to me, which is a huge inconvenience. For an institution that 's supposed to be trusted with holding my money then closing it with FUNDS LEFT IN THE ACCOUNT, I 'm baffled. I demand a reasonable explanation.
Product: Credit card or prepaid card

Someone opened a fradulant card in my name that is listed from Genesis FS. The card is from XXXX XXXX XXXX ending XXXX. It looks like the card was opened on XX/XX/2022. I am unsure of the amount. I called XXXX and spoke to an agent named XXXX who spoke very broken English. XXXX said that she could not transfer me to the fraud dept but would make a note on the account and that I needed to make a report with the Federal Trade Commision and then mail it to XXXX XXXX XXXXXXXX XXXX, OR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX and XXXX - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX and XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the XXXX data breach, and several fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ), I request the immediate blocking and removal of the following accounts from my credit report : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. ABSOLUTE RESOLUTIONS Account Number XXXX XXXX. XXXX - Account Number - Account Number - XXXX XXXXXXXX XXXX XXXX XXXX  Account Number - XXXX XXXX. XXXX XXXX - Account Number - XXXX I have contacted Experian, XXXX and XXXX XXXX this matter already and nothing has been done. I have enclosed copies of the necessary documentation, including proof of data breach and FTC XXXX Theft Report. Under the FCRA, you are required to block and delete ANY reporting of information resulting FROM identity theft. within XXXX business days. Please confirm in writing that these accounts have been blocked and removed PERMANENTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX settled this account, Settlement Amount {$800.00}! I enrolled this account, XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX Enrolled Balance ) at that time was {$830.00}. Between XX/XX/XXXX and XX/XX/XXXX ( Two Years ) the balance rose to {$1300.00}. At this point it was settled for {$1300.00} XX/XX/XXXX ; Settlement Amount {$800.00}, Settlement Percentage 60 %, Debt Reduction {$39.00}, Settlement Fees {$170.00}. 

PROBLEM : Cavalry Portfolio Services has received payments in accordance with the payment plan through XXXX XXXX XXXX XXXX XXXX. Cavalry Portfolio Services refused to document these payments to XX/XX/XXXX, XX/XX/XXXX &XX/XX/XXXX Cavalry Portfolio Services reports & XXXX on the Credit Report. How can this be correct when the settlement balance was {$800.00} & Cavalry Portfolio Services received monthly payments from XXXX, a period on one year?
Product: Debt or credit management

ive probably paid them over a XXXX dollars. ive use this company probably in between XXXX and XXXX. I cant remember the exact dates my address have changed