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

The account with Choice Recovery , Inc., has been paid in full but it still shows in collections on my credit report. I need Choice Recovery, Inc., to report the debt as paid in full in order for me to close on a home loan.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to XXXX for XXXX accounts that I have updated. XXXX XXXX settled for {$360.00}XXXX XXXX XXXX XXXX XXXX  $ XXXX paid in full, and a payment of {$240.00} made on my XXXX XXXX account . My problem is they responded in 3 days with information on file correct. Normally a dispute will take 30 days but it seems they didnt even take the proof of payment into consideration or even investigate it at all. I sent my information because Ive had such a bad history with my information being inaccurate.
Product: Checking or savings account

I would like all the overdraft fees reimbursed for the last XXXX months.
Product: Mortgage

I contacted Select Portfolio Services several times over the last 2 years to find out if we would qualify for a loan modification, due to financial hardship from house repairs and other unexpected expenses. I was unable to make a full payment every month, yet they would not take partial payments. I provided all the documentation ( so I thought ) to them, over a year and a half ago. We then filed a personal bankruptcy in XXXX XXXX to help get us back on track, which did help, but we were still unable to pay the mortgage. We did not include the mortgage in the bankruptcy because we were still waiting to hear regarding the modification. In that 6 months prior to the bankruptcy, SPS asked for additional information ( some of which I had already provided ). After the bankruptcy, they continued to say they needed updated information, new signed docs, new hardship letters, etc. 
This continued for all of XXXX. While they still had n't approved or disapproved me, they referred my account to a legal team to move forward with a foreclosure. Luckily there is no sale date yet, however, they did finally get back to me stating that I was not approved. While they base it on your gross income, they decided we made enough money to be able to pay the loan. 
Well, we do n't with all the expenses and still trying to pay off loans for house repairs. Then they said I did n't make enough money, however, to qualify for the repayment option. So, it took them almost 2 years to tell me that. Now, I am in complete default, so no one will lend me any money, and if I want to keep my house, I will have to file Chapter XXXX so that means legal fees that I do n't have and they will put me on a repayment plan that I ca n't really afford. 
Oh, but if I can come up with at least $ XXXX, they will reinstate my mortgage. 
What a bunch of XXXX! After letters, upon letters, upon letters, stating how much they want to be able to help you. " There may still be something you can do. '' Yeah, you can put me off for almost 2 years so that you can just move ahead with the foreclosure you knew you were going to move forward with anyway! Thanks!
Product: Student loan

On XX/XX/2020, I sent American Educational Services ( AES ) a {$23000.00} check to pay off my daughter 's student loan. I received the balance information earlier that day from AES. The check cleared my account on XX/XX/2020. 

I made three telephone calls to AES requesting a letter indicating that the loan was paid off. The first call was on XX/XX/2020 where I was told that I would receive the letter within 7-10 business days. Nothing came in the mail so I called back on XX/XX/2020 and was promised the letter which again never arrived. 

I made another call earlier this month and was told that I would receive the pay-off letter. Unfortunately, the letter that arrived today indicated that only {$4200.00} was paid off and closed. I never received anything pertaining to {$23000.00} which was paid to and cashed by AES. 

I am requesting that AES provide me with documentation that the full loan amount has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple inquiries on my Transunion account were done without my consent. I should maybe 3-4 hard hits on it but it shows XXXX!!!! 

I called them and asked for help and they didnt help, they informed me even with proof of incorrect inquiries they wouldnt do anything.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 : XXXXXXXX XXXX  XXXX XXXX Balance : {$67.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$72000.00} XXXX XXXX XXXXXXXX Balance : {$61000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$72000.00} XXXX XXXX  XXXX Balance : {$61000.00} XXXX AUTO XXXX Balance : {$0.00}
Product: Mortgage

My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX XXXX XXXX has done 4 hard inquiries on my credit and I have never applied for a loan or done any business with them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

Ally keeps reporting my account for XXXX past due 30 days, but it isn't due until the XXXX of each month. So, how can I be 30 days past due for XXXX & it isn't due until the XXXX? I am tired of my credit being XXXX around because someone on behalf of their company doesn't know how to properly report to bureaus. I filed a complaint through the credit bureau & they changed it to something even worse than it was previously. So, it's like they are guessing & messing up people 's credit falsely reporting the wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank ( Victoria 's Secret Credit Card ) failed to notify it's customers of system issues and not properly report account updates on a monthly basis. It took the company XXXX months until the XXXX reporting credit bureau 's were notified of an active/positive credit use. I lost out on purchasing a new home/vehicle because they failed to report on time and kept my account on pause for XXXX months while I made monthly on-time payments.
Product: Credit reporting or other personal consumer reports

experian is not complying with their own policies in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report JPMCB CARD XXXX not only did I not give these companies permission, written, unwritten verbal and nonverbal ( 15 USC 6802 ), but there are inconsistencies varied account numbers, account type is different between the bureaus, date opened is different, comments are different, and the payment history is only shown by XXXX ( 15 U.S. Code 1666b ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title 15 U.S.C. 1681-1681u. Also a chargeoff can not be reported on a credit report because this is income according to the IRS publication! It is a certificate of Indebtedness!! If you borrow money and are legally obligated to repay a fixed or determinable amount at a future date, you have a debt. You may be personally liable for a debt or may own a property that's subject to a debt. If your debt is forgiven or discharged for less than the full amount you owe, the debt is considered canceled in the amount that you don't have to pay. The law provides several exceptions, however, in which the amount you don't have to pay isn't canceled debt. These exceptions will be discussed later. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property subject to a debt, cancellation of the debt also may occur because of a foreclosure, a repossession, a voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs. The canceled debt isn't taxable, however, if the law specifically allows you to exclude it from gross income. These specific exclusions will be discussed later. After a debt is canceled, the creditor may send you a XXXX XXXX, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a XXXX XXXXXXXX showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a XXXX XXXXXXXX, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct XXXX XXXXXXXX.
Product: Credit card

My card began declining on XXXX, XXXX and on XX/XX/year> I was informed my secured credit card was being closed. I asked why this was happening and was given no reason. I asked for the department that made that decision and no number was given. I asked to speak with someone who did know and was told it would be a month minimum before any reason was given. I asked for a refund if my security deposit since they closed my account without warning and was told that I would get a refund no less than 30 days from the closure. My card is now blocked from being used and my XXXX dollar deposit is being refused to be returned to me. I asked if this was legal and they said they could not answer that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, experian sent me an alert that my score had increased to XXXX. I went and applied for an auto loan in XX/XX/XXXX, and was denied by every company. In the denial letter, the creditors stated that they pulled my score from Experian, and the score was XXXX. That is a drastic difference. Almost XXXX points. They never showed me my score as XXXX anything. Even currently, my score is XXXX. This is fraud and a breach of contract. My current membership with experian requires them to send accurate information and they sent inaccurate information and a bad score. If my score and information was updated and correct, I wouldnt have gotten denied by multiple companies on multiple occasions. ( I only kept the letters from 1 ). This is not okay. Experian is using deception that hinders consumers and helps companies.
Product: Credit reporting or other personal consumer reports

Experian has not updated my records since XXXX of last year They say its the creditors The creditors say they report every month This has affected my applications Theres one on there with XXXX XXXX  that was paid a long time ago and XXXX XXXX is closing Disputing a few times does nothing This could be a problem I have moved bills to balance transfer cards and moved other accounts to lower interest cards Probably all three credit bureaus have it wrong
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, 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After XXXX my complain because they LOWED MY CREDIT SCORE OVER XXXX POINTS, without Me being late in any of my debt, not delinquency, etc. TransUnion send me a letter REQUESTING my state prove of identity ( I send my GA State ID, SS Card and an Actual current apartment bill ). They RESENT me a card stating ONE OR ALL my documents where expired or NOT ACEPTABLE. " Also '' a phone number to CALL which directed me to a point ONLY FOR TEXTING with an " agent '' who Only can help me LOGGING IN!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Citibank alerting them that someone was trying to open a credit card on my name ( because I received a text message from them ) but I didn't apply for it. They replied, don't worry no credit card has been opened on your name. 
I reached to the credit bureau and I put an identity theft and fraud alert. 
On XXXX I received an email from citibank telling me that I have a balance in " my citi XXXX XXXX card '' and that I need to pay it. 
I called citibank fraud department and I told them I didn't open that credit card, they said they will take care of it. 
On XXXX I have an impact on my credit report score because " I have an unpaid credit card citi diamond ''. I called again and they said they will send a letter to the credit bureu to remove the hard inquiry and the overdue for that credit card. 
On XXXX I called again because the problem was still there, they told me it would take time to reflect the change on my report. 
I am still having the problem and I am receiving emails from citibank telling me to pay that card
Product: Credit reporting or other personal consumer reports

On XXXX  I Opted Out of credit reporting from MTB. They have NOT complied with the federal law and have not trained their staff to comply as well which is negligence on their part. 

For years I have been requesting that MTB opt me out from credit reporting, via notarized documents mailed via form 3811. 

The culture of MTB is to write letters stating that my requests are frivolous and they will not answer similar complaints. 

I was able to find my original closing documents for other legal reasons and here is the disclosure that they refuse to send upon request or honor. 

see attached. it is XXXXXXXX XXXX per violation per federal law. 

And I am seeking compensation for 15 years of illegal reporting, late payments, balances, date open, and all private intimate information. 
I have call recordings of when you dial into their employees they state that they can not stop reporting to the credit bureaus they MUST or they HAVE TO. 
I have letters from MTB also STATING THE SAME AS WELL. Through complaints, i submitted through the CFPB in the past.
Product: Payday loan, title loan, or personal loan

Continue to receive two different threatening calls from two different companies who end being tied to the same scam company.

This started a few weeks ago, they have my email addresses, full SSN, address, name everything on file. 

They call claiming I owe for a payday loan from XXXX, its going to litigation in a few days and I need to make a payment to stop legal proceedings. 

I never took a payday loan. Its actually illegal in XXXX. 

My phone number is on the do not call list yet I still get these calls. Someone needs to do something about this. 

Phone numbers called from : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX The companies the claim to be : Payment Processing Center Mediation Consultants The latest voicemail sent My name is XXXX XXXX calling with payment processing the reason for my call today is to verify the address we have on file as we are preparing XXXX  case we have now made several attempts to reach you via mail and also two phone calls which were unsuccessful have now been flagged as evasive and noncompliant in order to avoid further penalties that are set to be filed against you we need to speak with you immediately today at XXXX again the phone number is XXXX so you can press one now thank you and good luck Text message left : XXXX XXXX We have an urgent matter in our office that directly concerns you. Please call us immediately This is fraudulent and harassing and needs to be stopped.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding a grave violation of my civil rights and the extreme hardships caused by an ongoing issue with my background check. For the past 14 months, it has been reflected in my records that I am facing potential indictment for a criminal offense. However, to date, there has been no trial, no court proceedings, or any progress on these fabricated charges. 

This false indictment notation has severely hindered my ability to seek and obtain employment, causing undue financial hardship and emotional distress. It is not only a baseless accusation but also a deliberate and cruel way to abuse my rights as a United States XXXX. 

The continued presence of these charges on my background check without any due process violates multiple fundamental civil rights, including : Presumption of Innocence : In the United States, every individual is presumed innocent until proven guilty in a court of law. The false and prolonged indication that I am facing criminal indictment without trial defies this core legal principle. 

Right to a Fair and Speedy Trial : The Sixth Amendment guarantees the right to a fair and speedy trial. The lack of any progress for over a year has deprived me of this right, leaving me in legal limbo without any opportunity to clear my name. 

Due Process : The Fifth and Fourteenth Amendments ensure due process, protecting individuals from arbitrary deprivation of life, liberty, or property. By allowing fabricated charges to persist on my record without any legal proceedings, my right to due process is being blatantly violated. 

Right to Livelihood : The negative impact this false information has had on my employment opportunities constitutes a severe infringement on my right to earn a living. It has effectively prevented me from securing work, causing significant personal and financial harm.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have Been having some issues with someone accessing my credit file and I would like to request a credit freeze/block all access to my file and contact me at my phone XXXX XXXX XXXX or email me at XXXX I need a PIN for all my credit reports ASAP.
Product: Bank account or service

Citibank had a promotion which stated if you opened a checking account with them and deposited XXXX for one month and XXXX for 3 months they would give you a {$400.00} bonus. I fulfilled all the requirements in XXXX. According to customer service I was supposed to receive my bonus in XXXX. I called in XXXX when I had not received it and they said I had to turn in a XXXX in order to receive the bonus. That was never in the advertisement and fine print and they do n't ask for it until the very end when you are expecting your bonus. I called them again and they said they finally received my XXXX and that I should automatically receive the bonus in XXXX and to contact them should I not see the bonus and they would automatically apply it to my account. I check in XXXX after my statement closes and still no bonus. I send them a message that the bonus still has n't hit my account and they reply back saying they will open yet another investigation into the matter. I feel very deceived and abused by Citibank 's practices that they have not yet honored the terms of the conditions in which I was supposed to receive the bonus as a new customer. The investigation stated I might not receive a response for yet another 30 days which I feel is unfair as I had met all the requirements in XXXX and submitted the XXXX in XXXX.
Product: Debt collection

( AR RESOURCES INC ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possible. 
The Credit Bureau failed to provide me with a proper investigation as well as provide me physical proof that the accounts I disputed was my accounts. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified.