23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute the inaccurate accounts on my credit report. 

Experian : XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$2800.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX. 
Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$960.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$2800.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX account # 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.
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 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 XXXXXX/XX/XXXX
Product: Debt collection

A letter was sent XX/XX/2021 to ( debt collector ), requesting validation of debt.They responded with medical records, a direct violation of Hipaa regulations.They violated 15 USC 6801-6809, using nonpublic personal information with out my consent or authorization.I never signed consent authorizing them to use my nonpublic personal information. 
Enclosed with the complaint is a document where ( collection ), stated that I paid with a check which give them authorization to use my information with out consent.I provide my payment history where I never a paid nothing on this account.
Product: Checking or savings account

Hello, For a period of time I had an acct with this company. They require linking of your credit and debit cards plus an ACH from your bank. This is supposed to be so they can move a small portion from your bank acct every so often into a savings acct for you. The issue is now that I no longer do business with this company, it has been IMPOSSIBLE to fully cancel. I have called, they have a recording that says to send an email. I emailed for months and finally got someone that said they would stop the charges and close my acct. They stopped withdrawing money from my bank for a few months but now they're doing it again and now I'm back at square one. When I spoke to my bank ( XXXX  ) they told me to reach out to the entity for a resolution since it is an ACH. You know how that's been going. I just want to have peace of mind with my banking and end this terrible, regretful business relationship with Bright Money. Imagine this, every few days 2 charges from a company you don't do business with is taking money from your acct a few cents at a time. XXXX cent here, XXXX cent there. That isn't a major amount of money but it's mine just the same. Please please please help me bring an end to this terrible situation and prevent others from experiencing the same. I have the emails from several of their employees claiming to be able to stop these charges and cancel my acct.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX BALANCE : {$450.00} ACCOUNT XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Re ; XXXX XXXX. 
On XX/XX/21 my order for XXXX coins was filled by Coinbase Trade ID # XXXX. 
Fill price was XXXX each coin, for a total of {$930.00} USD, which has since been removed from my account at Coinbase. 
On XX/XX/21 Coinbase removed/blocked access of my XXXX coins of XXXX. 
My XXXX  coins and my {$930.00} USD are " Missing '' from my account. 
And by missing, I mean they are being withheld from me by Coinbase. There is NO monetary reflection of this transaction in my Coinbase account. 
I do have proof of this transaction in the form of a screenshot of my orders in my Coinbase Account. 
In short, Coinbase has taken, removed, stole ( without my consent ) my XXXX coins and or {$930.00}. 
This action taken by Coinbase is criminal.
Product: Checking or savings account

On XX/XX/2020 there was XXXX taken out approximately at XXXX. I explained to Bank of America that it was not me being that I was at home sleeping and pregnant and that no one else has access to my card. I usually have my husband or I go with to a certain Bank of America near my home to withdraw my money. On this particular day I had my husband go in the afternoon of XX/XX/2020 he tried a couple times and it didnt seem right so he notified me I then checked my account it said it was already withdrawn at a XXXX XXXX on the other side of the city. I then filed a claim with Bank of America and filed a police report only to find out they closed the claim 2 days later. I then called to have claim opened back up which they did and I ended up speaking with someone else that told me there is not much there going to do about it and that the money missing would be my responsibility. So while I waited a week I called and they told me claim is still pending only to find out the next day I cant login to my unemployment debit card so I called and they said account is closed to contact Unemployment. Ive called a couple times on XX/XX/2020 and I believe XX/XX/2020 I also called on XX/XX/2020 and XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I sent XXXX a cease and desist letter. They have honored the cease and desist
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit recently, I noticed a few items that doesnt belong to me. The following accounts are fraudulent. 

XXXX XXXX  {$6400.00} XXXX {$750.00} XXXX XXXX {$600.00} Please see attached FTC report submitted by myself.
Product: Credit reporting or other personal consumer reports

I signed up for FREE credit monitoring offers resulting from several data breaches that occurred at XXXX XXXX XXXX, XXXX XXXX, and OPM.gov. 

I NEVER signed up for a paid membership with Experian. However, Experian has beeen charging my credit card {$24.00} per month for " Premium '' credit monitoring for months.

I contacted Experian last summer to cancel the " premium '' membership and get a refund. I thought they would do so, but they did not.

I contacted Experian twice today. During the conversation the customer service attendant would only give me a " courtesy refund '' for two months after which acted like she could not hear me and disconnected the call. On the second call I spoke with a manager who said she can not send me any proof that I authorized the XXXX XXXXXXXXmonth charge.

I request that Experian refund ALL charges to my credit card. The charges began sometime before XX/XX/scrub> 2024. I can not determine the that exact month they started until XXXX sends earlier e-statement to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a recent ID theft incident. I tooks steps to ensure a freeze was placed on my reports at the three agencies XXXX XXXX XXXX Experian XXXX. I had no problem with freezing my report with XXXX and XXXX online. In each case it took less then 15 minutes. 
Experian makes the process difficult and uncomfortable. I was unable to freeze my credit online ( XX/XX/2020 XXXX Instead, Experian requires that I mail personal information ( name, address, social security number, copy of government ID, copy of a police report. ) I find this method overly restrictive and risky. Providing this information thru their online portal was not offered as an option. 

I contacted them by phone XXXX XX/XX/2020 ) but there are only automated services available. 

At the same time, Experian wishes to sell me a subscribed protection package, of course for a monthly fee. ( What a racket!!!!!! )
Product: Credit reporting or other personal consumer reports

I am surprised to see my credit scored decreased for an account I did not open as reported by XXXX XXXX.here is the report on XXXX XXXX below Account Opened New XXXXXXXX XXXX XXXX XXXX account detected Between XX/XX/XXXX and XX/XX/XXXX, your account with XXXXXXXX XXXX XXXX XXXX was added to your report. This account was opened on XX/XX/XXXX. 

Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. But with on-time payments and responsible use, your score may actually increase over time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, XXXX reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. Also, in or around the end of XXXX, beginning of XXXX, I reached out to XXXX in reference to my account balance, and scheduled payments. I asked XXXX XXXX if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The rep. stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. On XX/XX/XXXX, I made an {$80.00} payment on my XXXX charge account, which was thee amount the XXXX rep. told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my XXXX charge account, but XXXX reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the XXXX months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my XXXXXXXX XXXX XXXX The credit bureau reporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! Further, XXXX is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by XXXX days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency. This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

Remove the hard inquiries from my credit report because of multiple violations of fair credit reporting : XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was apart of several data breaches. There are several accounts that arent mine, there are incorrect spellings of my name, and incorrect addresses on my credit report. 

XXXX XXXX XXXX  {$150.00} IC XXXX {$330.00XXXX XXXX  {$280.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$970.00} XXXX XXXX {$15000.00} These accounts were opened without my knowledge and I am checking my credit and see all of these things here after years of letters saying my info was in a data breach, I didnt think anything of it. I have gotten letters or anything from any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent Transunion the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.
Product: Credit reporting or other personal consumer reports

I am writing to FIFTH THIRD BANK to formally dispute the accuracy of certain information in my credit report, which I obtained from your agency. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation of these items in questioned. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SEARS/CBNA Account number on XXXX XXXX Account type Credit card. Date opened XXXXSEARS/CBNA and said my account Discharged through Bankruptcy XXXX XXXX. My account was paid and at zero balance when I filed for bankruptcy. I filed for bankruptcy because I became XXXX  and was a victim of fraud not because of bad credit. I complained several times SEARS/CBNA is reporting false information on my credit report and please remove it. I sent proof that SEARS/CBNA was not part of the Bankruptcy XXXX XXXX because I had a zero balance. They refuse to remove it and the representative said to me " you XXXX people are always not trying to pay your bills ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Product: Mortgage

I received a letter datedXX/XX/2024, notifying me that my loan was in default and that I had thirty-three days ( 33 ) until XX/XX/2024 to pay the past due amounts before my loan was placed into foreclosure. On XX/XX/2024, I called XXXX XXXX XXXX and talked to a representative named XXXX who first told me that my loan was in active foreclosure and, therefore, she could not accept a payment over the phone. She said I would need to request a re-instatement letter and then pay via certified means. I pointed out that the letter dated XX/XX/2024 said I had until XX/XX/2024 to correct the default before the loan was placed in foreclosure. She reviewed the documents in my file and agreed. So after checking internally, she called me back and informed me she could accept payment over the phone, at which point I authorized a payment including the past due amounts listed on the XXXX XXXX letter along with the payment due XXXX XXXX 

On XX/XX/2024, I received a letter from the company dated XX/XX/2024 stating that they had received my payment but it was not enough to cover the past due amounts and that the XX/XX/2024 deadline remained in place. On XX/XX/2024, I called to discuss and made contact with a representative from the modification department named XXXX. She informed me my XXXX payment was {$.00} short and I still owed late fees for XXXX but that the loan was not close to foreclosure. I agreed to pay the {$.00} and XXXX late fees and she assured me once again that my account was not in foreclosure and said she had no idea why the XX/XX/XXXX letter was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had turned Credit Acceptance in for late payment reporting when I had XXXX  and had told them it was dude to covid. After consumer finance addressed credit acceptance stated it was to be corrected. XXXX XX/XX/2020 and XXXX late payments were to be removed marked no report etc. I turned them in on XXXX  as it was not corrected there. This was credit acceptance response INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and I need this corrected I'm trying to buy a house and I have fought this 4 months already.
Product: Debt collection

The company called me and stated they were a mediation group attempting to collect a debt. They stated that if I did not pay now I would face charges and be sent to court. The number of the company is XXXX. They state the name of the company is Alternative Dispute Resolutions but I can not find any info on the company. I have called them back numerous times and they will not release any information on the company ie : address, website, professional license number.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please remove it from my credit report
Product: Student loan

I was charged {$36.00} XXXX dollars for two years of education though the annual dicots is {$11.00} XXXX. In addition I have paid {$31000.00} but they are still demanding {$26000.00} more. I spoke with the customer service team to no avail. They too are confused how this could happen but suspect it is due to multiple forebearances. However at the end of the day it would make the loan 100 % interest which would be impossible to pay off. When the call center could not explain what the issue is, my request to have them revise my bill ended with an itemized list of payments and charges ( about 25 pages ) but still ended with me owing {$26000.00}.
Product: Mortgage

THe property was foreclosed in XX/XX/XXXX by XXXX acting on behalf of XXXX XXXX XXXX.  XXXX issued debt cancellation and a XXXX which was pocessed on my XXXX federal tax return. 

Shellpoint Mortgage Servicing started " servicing '' this mortgage in XX/XX/XXXX and sent me several notices. I send them notification that there was no outstanding debt. They sent me documents during XXXX that were in error and admitted in a phone call in XXXX that I was not responsible for the debt. Subseqnently, in XXXX they sent a " corrected '' XXXX showing cancellation of debt in XXXX. This has been filed with IRS even though it is in error. I can not file my XXXX federal taxes until this is resolved. Shellpoint is NOT thoroughly investigating my claim that the debt was cancelled in XXXX. 

I have contacted Shellpoint Mortgage Servicing by phone and by mail. On XX/XX/XXXX I received an email with two letters stating they are not in error. These letters are in error. 

On XX/XX/XXXX, I spoke with XXXX who confirmed the cancellation of debt in XX/XX/XXXX. 
They are sending me a copy of letter that explains this. 

Somehow in XX/XX/XXXX a list of accounts was transferred from XXXX to Shellpoint and apparently my account was on the list in error.l Shellpoint reference number : XXXX XXXX reference number : XXXX Shellpoint Mortgaging has copies of all the relevant documention showing the XXXX foreclosure and XXXX. Attached is a complete history of the property mortgage activity.