23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXX in Florida in XX/XX/2019. XXXX offered no-interest financing ( 0.0 % APR ) for 18 months with no fees. I accepted their offer and financed the furniture based on their representation that there would be no interest or fees for 18 months. The store opened an installment credit account in my name with Synchrony Consumer Financial and charged the furniture to that account. Two months later, I noticed charges on the account for " card security '' and monthly interest charges presumably related to the card security fees. Upon further investigation, I discovered that Synchrony and/or XXXX had, without my permission, registered me for " debt cancellation '' insurance at a cost of 1.6 % of the monthly balance on the account. I did not request or accept the service when I purchased the furniture. The charges simply appeared on my monthly statement. The terms and conditions, which I subsequently discovered, state that all charges will be refunded if the service is cancelled within 90 days. Luckily I noticed the charges and cancelled the service with two weeks to spare, although it remains to be seen if the fees will be refunded.
Product: Mortgage

In XX/XX/XXXX, I received this msg ; Shellpoint Mortgage Servicing would like to welcome and inform you that effective XX/XX/XXXX, the servicing of your loan has transferred or will transfer from XXXX XXXX XXXX XXXX XXXX to Shellpoint. In my loan modification agreement with XXXX, page 3 ; item C ; paraphrasing, " so long as your modified loan remains in good standing, on the first, second and third anniversary of XX/XX/XXXX, the lender shall reduce the deferred principal balance equal to one-third of that balance. XXXX did the first one-third write-down ( {$37000.00} ). After the loan transfer ; I contacted Shellpoint ( XXXX XXXX ) to request that the second one-third to be written off. Nothing happened. I sent another email XXXX XXXX, XXXX requesting that the balance to be fully written off. I received an email to call XXXX XXXX, which I did ; left a msg ; have not heard anything. I have not been successful at getting Shellpoint to honor this agreement and write off the second and third reductions. This is affecting my credit score because Shellpoint is reporting the mortgage balance with the deferred balance included. I ask for your help. Thanks you.
Product: Debt collection

My check was garnished without me being served. I contacted the company that sent the garnishment paperwork to my employer & when they asked me to verify my address I informed them that I would not because I never received notification of the garnishment. The representative, XXXX, informed me that they had a judge in Arkansas that would grant the garnishment as long as they had an address & it did not have to be the current or active address. The garnishment began XX/XX/XXXX & ended XX/XX/XXXX, totaling XXXX paid to the company, XXXX XXXX XXXX in Kentucky. I have contacted the courts multiple times & there isn't anything on file for me regarding a garnishment.
Product: Student loan

On several occasions, I have let XXXX know verbally over the phone, and through returned correspondence on the mailings that the address for cosigner and myself have not changed and the contact info is the same. Despite all of this, XXXX ignores these statements and continues to ask for updated contact info. This happens each time I send their duplicate correspondence back. It may be part of their policy and workflow for when they scan letters into their information system that it's flagging the contact info as invalid. The company still ignores the fact that I have repeatedly stated that nothing has changed. They then become angry with me when I tell them to stop asking if my address and phone # has changed or the cosigner 's info. This is part of their broken system. If an address or phone # will change, I will diligently let them know, but they are acting prematurely in assuming contact info is invalid. They create these correspondences even after I have already gotten off of a phone conversation stating the info is valid. 

WHY WE ARE CONTACTING YOU Our records indicate that XXXX XXXX XXXX XXXX co-signed/endorsed your student loans. The address and/or telephone number we have on file for this individual may be incorrect. 
WHAT ACTIONS YOU NEED TO TAKE Please contact our office to provide the current address and telephone number for XXXX XXXX XXXX XXXX. 
Call us toll-free at XXXX. We are available Monday to Friday, XXXX XXXX. to XXXX XXXX XXXX. 
WHAT THIS MEANS TO YOU It is important that the XXXX inform us when there is a change of address or telephone number. This helps to ensure that confidential information pertaining to the student loan account is mailed to the correct address. 
This communication is sent by American Education Services ( AES ) on behalf of the creditors/owners of your loans. This is an attempt to collect a debt on behalf of the creditors/loan owners and any information obtained will be used for that purpose.
Product: Student loan

My student loan entered into a retro-active general forebearance effective  XX/XX/XXXX  through  XX/XX/XXXX . My credit report is reflecting a 90 day late payment as of   XXXX   XXXX   because the forebearance was approved in  XXXX . I spoke with an agent @   XXXX   CST on  XX/XX/XXXX  and she was able to confirm the approved forebearance ; however, she stated they letter sent indicates any negative reporting will remain on an individuals credit file even though no payment was due during the timeframe in which they are stating the payment was late. The documentation I received does not reflect corrections would not be made. The agent I spoke with refused to provide me with any information to attempt to resolve and discuss this issue further. She could only provide a mailing address.
Product: Credit reporting

In XXXX 2015 I submitted a fraud claim with Experian they removed some items but not all of them. I was instructed to obtain a police report which i filed on XXXX XXXX, 2015 so I sent that over to them. Now I still have XXXX accounts that they will not remove that were listed on the police report. This is completely frustrating because XXXX and XXXX has already reviewed the info and removed the accounts but Experian wont help me become a better person. Too may hours and time wasted for no reason! I want the following accounts blocked from my credit report immediately please. XXXX. My report number is XXXX Thank you so much!
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I have been fighting to get my life straightened back around since I found out I was the victim of identity theft. This has been doing really well with my disputes aside from one from XXXX. From my research online, it appears to be some sort of pay as you go type of charge account. I have sent XXXX XXXX theft avadavat letters which none have been responded to as required by law. I am unsure how the credit bureaus are getting any verification from them, when they are not responding to me, unless the investigation is truly not happening. I finally was able to get communication from XXXX via email in which they found the account did not belong to me. I supplied this information to Experian and XXXX on my last round of disputes and it still has not been removed. I am not sure why this incorrect information is intentionally being left on my credit file even though the creditor itself states that it is incorrect and Experian and XXXX was supplied this information. This incorrect information is causing pernicious mental and financial harm to my family and needs to be removed immediately.
Product: Student loan

I am requesting that XXXX validate the debt on the Federal Perkins Loan by submitting a signed and dated contract between myself and XXXX University. As of today XXXX continues to provide falsified information and conspired with XXXX University in forging the documentation.
Product: Money transfer, virtual currency, or money service

on XX/XX/2020, my account was hacked and charged {$300.00} on my credit card. The company, paypal said they would do a long investigation but ended up closing the dispute the same day. The address on the transaction isn't even my correct address.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Checking or savings account

Wallet was stolen, reported lost card with cash app and personal banks. The card was swiped and the person was allowed to use my account to pay for food and other miscellaneous things. Reported to cash app, cash app replied theres nothing they can do but ask me to call my other bank to place a stop payment. The fund was already gone at that point.
Product: Credit reporting or other personal consumer reports

I found hard inquiries on my credit report that do not belong to me
Product: Bank account or service

After having an account with Chase Bank for 15 years ( checking, savings, auto loan and credit card ) Chase Bank puts a hold on all of our accounts without notice or warning. When we called to find out why, we were told that " in order to keep you safe we need to verify your identity with the Social Security XXXX before we can release any funds ''. They said my husband had to go into a branch to fill out a form in order to have access to our funds. I explained that my husband 's paycheck would be direct deposited that night and we were scheduled to close on a house at XXXX the following day. I requested they release the hold on our joint account as my identity was not " in question '' They refused and stated if he did n't come in, the account would be closed in 10 business days and all account balances would be mailed to us. They held our funds to verify his identity but if they could n't, they would close our accounts and mail our money.
Product: Debt collection

Someone used my credit to add me as a co-signer for an apartment. When I called the company after finding the collection on my report, I was told I either need to provide a police report or pay it to have it removed. It was only {$170.00} and worth not dealing with everything else, so I paid it and it was removed. Now a year later it has been added back as paid status and they are refusing to take it back off. The reappearance dropped my score from over XXXX to XXXX. XXXX XXXX and rely on my credit for survival. Again, this was fraud and they did remove it as promised initially, but now have added it back 12 months later. They have been extremely rude and could care less about the damage to my life even though the debt was never mine. 
All Im asking is that they take 5 minutes and have it corrected so it is removed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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
Product: Debt collection

received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing. 
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX . 
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, inquiry 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 intrusions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft so I reached out to the 3 main credit bureaus XXXX, Experian, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting 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. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation 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 ( i ) 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 reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed to 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. 

Account names and amounts that has VIOLATED my RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA XXXX
Product: Mortgage

I have a old mortgage loan showing up on some title work on a property I am trying to sell. The loan was originally GMAC mortgage company which is a defunct mortgage company now. The property securing this mortgage was lost in a foreclosure and sold, the debt was discharged in a Chapter XXXX bankruptcy. In the research I have done Ocwen Loan Servicing has taking over for GMAC Mortgage company but I have tried contacting them via email and regular mail and have not received any return communication from them. This lien needs to be released so the sale can go through. My only recourse as of now is to file a " quite title '' law suit which could take a couple of months and cost thousands of dollars in attorney fees. There has to be a way I can get a executed lien release on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a incorrect 30 day late payment with Transunion. This is the only bureau that is reporting this inaccurate report. My account was never 30 days late.
Product: Mortgage

As of XX/XX/XXXX, my XXXX property taxes for my FHA home are delinquent, my property tax commissioner has taken out a lien against my home because the property taxes are now XXXX  years delinquent. I have submitted disputes and complaints and the company ignores them. I have an escrow account that is supposed to pay ( IN FULL ) my property taxes each year, yet as of XX/XX/XXXX they still have not finished paying my XXXX property taxes. Each time I call they claim they have but as can be seen on the XXXX XXXX tax commissioners website and by calling the XXXX commissioner  no the taxes for this property are still unpaid in full.