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

I have just become aware on X/XX/2017 that my personal information may have been impacted by the issues with Equifax. At this point, I do not know if my personal information has been compromised. However, Equifax 's own site says that it could have been. I want to be proactive with this situation and prevent anyone from using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX a woman holding a drivers license, with my name and addresss, who 's Number that did Not match my number along with a Social Security Card, That had my name on it, But the number was not correct, went into One Main financial business office and took out a loan for XXXX. This was reported against my credit and had nothing to do with me. 
I met with the NJ district manager, XXXX XXXX, who showed me these documents and i told him that these artifacts did Not Match mine.. but yet this loan went against my credit. I am working hard to improve my credit and this is quite a blow. 
OneMain did not do their job in my eyes. They checked the name, address, place of business only. 
this is a gross injustice. to make matters worse, when i contacted the number to One Main that was provided on my credit report, they said they had no account under my name. i only found out about the theft last week when the account became delinquent. 
Please let me know if there is anything you can do to help
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I completed a refinancing/ debt consolidation. I recieved 3rd party check from XXXX XXXX XXXX XXXX. I mailed they balance for my account to be in full. Upgrade Inc received and cashed the check on XX/XX/year>. Upgrade never applied the amount to my account. I called numerous times and spoke to several supervisors about this matter no one could help me.
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible, as its a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account National Credit Adj, account number 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, states that a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX, account number 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, states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Money was steadily being taken off my XXXX card even while my card was locked! Called company, no refund on money and still having the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts payment history has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts late payment history must be removed and if you are unable to provide me a copy of verifiable proof, you must remove late payment statues from the account listed. XXXX XXXX According to 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. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Mortgage

I have contacted you guys about Shellpoint previously. I have since received a letter from their South Carolina office where their accounts were audited and I overpaid my account. The letter that was dated XX/XX/XXXX said that a check would be mailed out separately. I have not seen a check nor have I seen any credits to my account. Also, I scheduled a payment to them online for XX/XX/XXXX, they took it upon themselves to try to draft my account a whole day early. I told them the XXXX because I would be getting paid on that day. They caused my account to overdraft and I received an NSF fee from my bank. Shellpoint site said it was paid on the XXXX but my bank confirmed that they tried to take it out on XX/XX/scrub>XXXX XXXX XXXX XXXX 

All fees that have accumulated on this account needs to be removed and my overpayment check needs to be sent.
Product: Mortgage

On 3 or more occasions, XXXX XXXX, contacted the company to have pmi removed. The company agreed pmi could be removed. Each time, they said they would send us a letter in the mail. The letter never arrived. The company now has a new name. I attempted to contact the company to speak to a representative on XX/XX/2024. I reached one rep who transferred me to a line that simply loops through their system asking you to verify your account information after they have already verified it. Then they say they can not verify and hang up. I intend to file a law suit if this continues as I hear this is an industry wide problem that has a significant consumer impact. 

The company was called XXXX XXXX XXXX. It will now be known as Newrez LLC dba shellpoint mortgage servicing.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that has been reported to your agency by XXXX XXXX, which has severely damaged my credit standing. I have always been a responsible consumer, consistently paying my bills on time, including those to XXXX XXXX. 

In XX/XX/XXXX, I switched to XXXX XXXXXXXX XXXX  XXXX XXXX  XXXX program with the understanding that it would result in cost savings, as my family is away from home during the day and uses major appliances primarily at night. However, XXXX XXXX inaccurately reported that my energy consumption was higher during the day. I contacted XXXX XXXX multiple times, requesting an investigation into these discrepancies. Despite their promises, XXXX XXXX never provided any findings or resolutions. 

In XX/XX/XXXX, I relocated from Texas to New Jersey and prepared my house in Texas for sale. Despite the house being unoccupied, my electrical bills continued to exceed {$200.00} per month for day usage. During XX/XX/XXXX to XX/XX/XXXX, this persisted, and my requests for investigation were met with further unfulfilled promises. 

Subsequently, I switched to another provider, XXXX, due to XXXX XXXXXXXX XXXX  ongoing inaccuracies and excessive charges. XXXX XXXX then imposed an early termination fee, bringing my total bill to {$530.00}. Amidst this dispute, my mortgage company conducted a hard credit inquiry two days after XXXX XXXX reported to your agency, causing my XXXX XXXX to plummet from over XXXX to XXXX. 

Upon contacting XXXX XXXX, a supervisor named XXXX XXXX contacted via their customer service ) assured me that if I paid {$380.00}, he would provide a letter within XXXX hours confirming the account was paid in full and acknowledging the incorrect billing address. I complied, but no such letter was provided. Further attempts to resolve the matter included communications with their consumer XXXX office, where a representative named XXXX ( phone : XXXX ext. XXXX ) promised to investigate and call back but never did. Another representative, XXXX ( phone : XXXX ext. XXXX ), eventually told me that the supervisor had provided incorrect information and that there was nothing more she could do. 

This inaccurate reporting has significantly impacted my ability to secure a mortgage at the previously quoted rate, causing undue financial hardship. As a credit reporting agency, it is your responsibility to ensure the accuracy of the information provided by businesses. The erroneous data from XXXX XXXX is now detrimentally affecting my financial standing. 

I request that you investigate this matter thoroughly and correct the inaccurate information in my credit report. Additionally, I have filed complaints with the XXXX XXXX XXXX and reached out to media outlets to bring awareness to XXXX XXXXXXXX XXXXs practices. 

I expect a prompt resolution to this matter and confirmation that the erroneous information has been removed from my credit report. Please update me on the progress of your investigation and the actions taken to correct these inaccuracies. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items 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. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; Chapter  XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/ReportedXXXX Reference # : XXXX ; Chapter  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Product: Debt collection

I have been visiting a XXXX, XXXX XXXX at XXXX XXXX for XXXX  sessions in the XX/XX/XXXX. At times, when I could not make the session due to health or other reasons, I had sent the emails in advance to the XXXX to cancel and reschedule the sessions. The XXXX had always rescheduled but never informed that there was a cancellation period or a cancellation fee. The facility was paid by the insurance company for the sessions, but the cancellation fee was applied to my account. No one from the facility, while I was visiting there, ever told me about those late charges neither did they mail any invoice to me. Till date I have no documentation about these charges from XXXX but these charges were straight reported to the collection agency named Professional Finance Company , Inc . The collection agency only called me but never clarified that these charges are just for the late fee. They never mailed any statement to me either. I called XXXX XXXX multiple times between XXXX through XXXX of XXXX too and was told that there is no outstanding amount. But the collection agency still kept calling me and eventually reported the 2 charges for {$100.00} each to the credit bureau. I find these late fee charges completely unfair and inappropriate and would request to be taken off. Thank you.
Product: Checking or savings account

Starting on XX/XX/XXXX of this year I began communicating with someone that I thought I knew and trust. He told me about an investment, that was only going to require {$800.00}. so I went along with it. Then " fees '' started to add up to close to {$1400.00}, which totals about {$2200.00} to start. Then I realized he was fishing for information, and he was successful. He got into my bank account and starting depositing checks and instructing where to move it to. Then my bank flagged the account and froze it because they tried to deposit a {$16000.00} check. Then he disappeared and the checks ended up being bad and were sent back, leaving a XXXX in my account. So now we come to a total close to {$5000.00}, and I tried to see if my bank could help me. I've been banking with the same bank ( USAA ) for the last 14 years, with no type of situation like this before, but they are refusing to help me. They said they cover fraud but because I moved around the money, under false pretenses, so they don't consider it fraud. I know it's not fraud technically, but I was scammed! I am the victim!
Product: Debt collection

i was never in the military so i can not apply for a pentagon federal credit card i never lived at the address that associated withthis account
Product: Checking or savings account

XXXX XXXX claim # XXXX XXXX # XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XX/XX/21 - XX/XX/21 in between these dates there was Fraud use I called Bank of America as soon as I was not receiving my debit card which they had told me it's already been activated and used and for one I filed a complaint that day when I found out my money was taken out with Bank of America they gave me credit for most of it except for the {$6000.00} and {$5000.00} they didn't give me credit for but the rest they did they keep denying my claim saying that customer is reliable so okay I let it I asked him for their supporting documents so why they made the decision and they sent me a picture of a male at ATMs in Florida using my card with a mask covering his face I sent them my supporting documents my ID paper showing where I was around this time and they still keep denying my claim as it's already been going on for a year now how are they going to give me credit for the other ones but then last two claims they're all happening around the same time they won't give me my credit for them like if they were investigating right they would see that it was not me that's totally someone else and it's not even nowhere near where I'm at I just need to give me my credit or investigate the claim better because I feel like they ain't doing nothing they're just as soon as they get it they deny it and I reopen it back up that's not fair because it clearly shows how am I responsible for that and I already done coping XXXX XXXX XXXX and then put so many file complaints in and it's past the 45-day mark and it still ain't made a decision and every time they go look at it as soon as they look at it for my credit for my claim they deny it and the documents I sent it clearly shows it's not me and it's not nowhere near where I'm at I even sent them mine documents and still I just feel like they ain't looking at it or ain't investigating it right and it just like just keep denying it and kind of give me my money
Product: Student loan

I currently have an issue with my student loan servicer Navient in the sense that they are trying to raise my interest and payments even though I have fixed 30 year interest and repayment schedule and I have never been late on my payment and have been making regular payments for over 12 years automatically deducted from my bank account every month on time. 

I 've contacted the loan service ( Navient ) and all they could tell me was they have looked at the contract and are increasing my payment, even though again, I have a fixed rate and have been paying on time.
Product: Debt collection

Under the recently passed No surprises act XXXX XXXXXXXX i believe debt collector Grant & Weber inc XXXX maliciously took advantage of a {$100.00} debt that medical provider XXXX XXXX XXXX  unfairly billed to me 1 year after the doctors visit which was in network through my medical insurance XXXX XXXX I went in for a routine XXXX XXXX screening which i have never done before XX/XX/XXXX. The bill came in 1 year later XX/XX/XXXX Saying i owed {$100.00}. When i spoke with XXXX XXXX XXXX XX/XX/XXXX they said the {$100.00} balance was due out of my insurance and i would have to pay this. Which i did not agree. Fast forward 4 years later to present this {$100.00} medical bill debt was purchased by Grant & Weber inc and maliciously placed on my credit XXXX XXXX XXXXXXXX XX/XX/XXXX . When i called Grant and Weber to resolve the issue to have this either paid or removed off my credit they would not help. This {$100.00} medical bill caused my credit score to go from a XXXX to a XXXX a XXXX point drop. I pay all my bills and my credit was in perfect standing prior to Grant & Weber inc to offer me a resolution prior to reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

on or around XXXX, I've noticed a charge-off on my credit report., I'm very disappointed, I have tried several attempts to tell this company XXXX XXXX I was not the one with the vehicle nor did I make any settlement offer payment. But since this vehicle is now with a zero balance no matter how it was paid, AGAIN, I MADE NO PAYMENT... why would EXETER still put this burden on my credit report. I am trying to start a business for my family, and I can not do so with this stressful NEGATIVE mark reflecting my credit report, it has put a strain on me and yet depressing. IN accordance with the FAIR CREDIT REPORTING ACT EXETER FINANCE HAS VIOLATED MY RIGHTS.15 USC 1681 SECTION 602A, STATES I HAVE THE RIGHTS TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. I DID NOT RECEIVE NO SUCH INFORMATION OR ANY DOCUMENTS FROM ANY COMPANY WITH OPT-OUT INSTRUCTIONS ALSO, I DO NOT RESIDE AT THE ADDRESS STATED BY EXETER. SO, BEFORE YOU DECIDE TO assume this account validated or verify let 's be clear I am not asking for validation nor verify, to waste my time. Please delete this negative mark from my credit report. I also do not consent to e-Oscar system when looking into this matter. ALSO, PLEASE UPDATE NR/SMS/CAL, SHELLPOINT to good standing without the late payment. I have sent dispute letters again to the credit bureaus.
Product: Credit card

To satisfy payment obligations for my Lowes Credit Card I am enrolled in the Merchants ( Lowes ) on line auto pay system. However, it has come to my attention that the Lowes system does not debit my account according to the billing due date. Instead, the system either debits the payment after the grace period or skips the debit process entirely. I made a complaint about this to an account representative late last year and was told the auto pay had a glitch and that I would not be charged any late payments or be reported late to the credit bureaus. Today, I reviewed my account and learned I had been charged a late fee 4 times In the last 12 months due to auto pay failure. I contacted Lowes and requested a credit. I spoke to XXXX representatives who along with their supervisors agreed that all fees should be removed. However, I was disconnected each time during the conversation before the removal of the fees were finalized. Each time I called back I learned their were no notes in the system indicating I would receive a credit. On the third call, I was informed again by a very reluctant representative that I would receive the credits on my next billing cycle. I requested that notes be made in the system to ensure no further confusion should the credit not post. However, given the difficulty that I have had so far, I am doubtful that I will receive the credit as promised. Furthermore, I am concerned about the predatory nature of a credit card company offering an inferior bill pay solution and charging fees to the consumer when the system fails. In my case, my minimum payment was {$25.00} but I was being charged {$27.00} every time Lowes debited my payment late.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. status ( XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : XXXX XXXX XXXX XXXX ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status ( XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Payday loan, title loan, or personal loan

If account is under {$10000.00} then Lending Club has XXXX remove {$100.00}. This is illegal for several reasons. To let all the loans run out requires the amount to run under {$10000.00}. Secondly, an invoice was never sent from XXXX. Thirdly, I now live in a state that makes an account at the Lending Club illegal. ( NC )