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

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries appearing on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$120.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$10.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$900.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} XXXX. XXXX. XXXX, XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$240.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$250.00} XXXX. XXXX XXXX XXXX  Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$800.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$530.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$700.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$760.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$330.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After closely inspecting my credit report, I noticed several unauthorized accounts that I believe were mistakenly added.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$510.00} on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctor to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

So, I sent you guys a letter about two weeks ago and still haven't heard anything back. You guys are reporting inaccurate Information on my credit report.
Product: Money transfer, virtual currency, or money service

I was selling an furniture through an online service ( XXXX ). A buyer contacted me claiming to be interested in purchasing the item. The buyer then sent payment through cashiers check ( for amount more than the asking price ) and asked me to money transfer the balance amount of {$950.00} through XXXX   money transfer and {$850.00} through Moneygram to pay for the transport guy which I did. The payment ( cashiers check ) turned out to be a fake, and Im out of money. I was able to cash the cashier 's check or see funds recorded in my account statement after two days of depositing the check but after a week to find out that the check has bounced. 
Can you please arrange refund of my money of {$1800.00} as I was a victim of online scam. Please see attached XXXX and Moneygram receipt for that I paid the buyer. 

Thank you,
Product: Debt collection

Please place an extended fraud alert on my credit report. I have noticed a few fraudulent accounts on my most recent credit report. Please allow remove these inquiries. Please check review the document I attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX bank account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
XXXX Report -SYCNB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -SYCNB/LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Columbia Recovery Group is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting XXXX MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but Columbia Recovery Group is making impossible by reporting misleading and inaccurate information or my credit report. 

All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
Product: Debt collection

I am behind one payment of {$25.00} and over my credit limit by approximately {$27.00} for the month of XXXX and I have received numerous call from a couple of numbers. 
XX/XX/XXXX- called 1x,XX/XX/18- called 1x, XX/XX/18 -called 2x, XXXX called 2x, XX/XX/18 called 2x,XX/XX/18- called 2x,XX/XX/18-called x,XX/XX/18- called 3x. 

I might have missed some calls because I do not answer numbers I am unfamiliar with. 

Have not spoken with them, I missed a {$25.00} payment and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Equifax will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the CEO of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The CEO of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to XXXX, Equifax and XXXX. XXXX has updated my account and removed all late payments. XXXX and Equifax has not. I started a dispute with both and XXXX made no changes. Equifax has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I lifted a security freeze on my credit reports with Experian to allow a lender to check my credit. I used their website to lift the freeze. On XX/XX/2018, I attempted to put the security freeze back in place since my lender had received the necessary information. When I tried to use their website, I was prevented from putting the freeze in place and was referred to a phone number at Experian. The website states that freezes can be placed by phone, but provides nothing more than recorded instructions to submit a freeze request by mail, a process that I have attempted to use in the past with no success. There is also no way to talk to a customer service representative that I have been able to find. 

All of the other credit agencies allow placing freezes on their websites, and make it simple to place a freeze on MY CREDIT INFORMATION. Experian has made it purposely difficult to place freezes on credit information, and this is NOT the first time I have had this problem. This is unacceptable. I believe the Experian is actually trying to prevent consumers from protecting their personal financial information by making it as difficult and time consuming as possible.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

An insurance policy was paid in advance with XXXX XXXX. Sent the company proof of payment sent by XXXX and my bank statement showing the funds were paid. Moreover, contacted the collections agency and sent them the proof of payments and they have refused to answer or remove the information from my XXXX  credit report. Furthermore, the collection agency made a hard inquiry on my XXXX  credit report, that stays for 2 years, I've never done any business wit this company nor would I solicit credit from them that they are not in the business of offering. This company is clearly trying to take collect on something that was already paid for, which is wrong and unethical.
Product: Debt collection

An account just appeared on my credit for XXXX bank. This is a fairly old debt that would have been included in bankruptcy. I haven't received an email communication or mail to confirm or dispute debt ( at least none that im aware of ), otherwise I would have made efforts to clear up all to clear things. I'm a bit frustrated and feel a bit inconvenienced. 
I aonly have partial account number avail XXXX this is what I see. 

NAME XXXX XXXX Last 4 of SSN XXXX Amount {$610.00} Not sure whats needed on my end to further support my claim. Happy to dog up whatever I need to. 

Do i need to find my bankrupty lawyer to suppot? 

Thank you all for your time.
Product: Credit reporting or other personal consumer reports

Good day. I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit scorXXXX and preventing my credit applications from being approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. ( Please see pages attached from my credit report for reference. ) The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX - XXXX ; STATE COLLS - XXXX ; XXXX XXXX - XXXX ; XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. These line items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Debt collection

A finance company called Goodleap is financing a XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX. The initial finance company was XXXX and Goodleap bought them out and assumed the XXXX XXXX. XXXX is a scam and is ripping customers off. There is a XXXX  page XXXX XXXX class action lawsuit where you can view all of the complaints and class action lawsuits filed agains XXXX. XXXX has installed systems that do not work, fail and botched installs. They didn't contact my electric company even thought they claimed they did. My install was botched and is still not working. They have been out 4 times to fix it and it still is not fixed. I requested the system be removed and due to all of the complaints I have seen I do not want to deal with the problems their systems have. They are not taking care of the problems and is a constant issue I will not deal with. I requested Goodleap cancel my load because I was not going to pay for a system that does not work. To offer a compromise I suggested they send the loan money to me and I will pay them back if they were not willing to cancel my loan. They have threatened to put a lien on my property. The only lien they have rights to, according to the salesman that sold me they XXXX system is a mechanical lien. Goodleap is harassing me by calling me non-stop and sending me a bill with interest that is accruing. Goodleap, formerly LoanPal, needs to be held accountable for being affiliated with the XXXX companies bad business practices. The loan was signed in XX/XX/2021. The install was done about a month later. I can get exact dates for you. The sales person XXXX XXXX is claiming he didn't know XXXX was a scam and is trying to help people recover from XXXX scams on his customers.
Product: Credit card or prepaid card

I went to upgrade my XXXX XXXX card with AMEX but they opened a new credit card and a new XXXX XXXX without giving me any notice. Now when I have tried to close it they have sent me back and forth to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a credit alert stating that credit acceptance reported on my XXXX account XX/XX/XXXX. This account has been paid on time and closed since XX/XX/XXXX. Why is Credit Acceptance changing the status of an account thats XXXXyrs old? This is in direct violation of the Fair Credit Reporting Act.
Product: Mortgage

My mortgage company is forcing me to escrow for property taxes, even though I have already paid for property taxes. A property tax escrow was not a part of my loan agreement. I have called numerous times to complain and get the escrow removed / refunded, but they will not move. They continue to hide behind their " processes '', but in reality, they're holding my money XXXX in an escrow that was never agreed to and not needed ( since I already paid the county ). 

This has been a terrible experience. Every person I have spoken with, including the manager, has given me a run around. I have wasted so many hours on this problem and there is no end in sight. I'm extremely frustrated with Shellpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no delinquent account and this company Bay Area Receivables has not responded to my communication attempts regarding an incorrect claim that I owe someone {$480.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Destiny Credit Card Company made a hard credit inquiry on my credit files. I got a credit alert from XXXX alerting me that an inquiry had been made. I checked my credit report on XX/XX/year> and identified that the Company making the inquiry was FEB Destiny XXXXXXXX XXXX XXXX  XXXX XXXX, Oregon. I called the company and advised them that i had not applied for any credit card or other services with their financial organization. The person answering the phone acted as if he did not know what I was talking about. I then went on-line with XXXX Credit reporting and advised the XXXX XXXX that I needed the inquiry to be removed from my credit report. I was advised that I couldnot email any thing to stop this action. I was told to mail a letter to XXXX and Destiny Credit disputing the inquiry. I mailed a letter today to both entities disputing this inquiry. This evening I received an email from Destiny stating that I had applied for a credit card ... I didnot,,, which I replied to them in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Recording Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

Yeterday ( XX/XX/21 ), I signed up for XXXX. XXXX uses XXXX for background checks. Today ( XX/XX/21 ), I received my report, and there is false information on it. I know for a fact I have a perfect driving record, I am not a XXXX XXXX, and I have not committed any federal crime. I believe information from a XXXX XXXX  with my same name in TN is coming up on my report. He is XXXX years older than me.
Product: Student loan

I took out a loan and started to repay it in   XXXX   2017. I contacted customer service over and over trying to pay more than was requested every month. It was a nightmare, left me in tears. I finally have up and found out right before the loan was to begin what the amount was. These people are horrible and have terrible customer service. It is a nightmare that I have to deal with them for the next ten years!!!
Product: Mortgage

I am a new customer with Shellpoint Mortgage currently with XXXX. The last couple of months I have notice a charge on my account for PROOERTY INSPECTION DISBURSEMENT for XXXX dollars. I have currently caught up but was behind on my mortgage payment. 
This amount I was told is to verify I stay in the home to protectect the investor. This is a predatory fee to keep the consumer paying. In lew of late fees and I want my money back. 

I paid 7 months x XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and infromation I have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 a fraudulent activity, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries receivved are Mortgage Loan inquiries and the companies had stated that in no way will it affect my credit report or show up as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX on XX/XX/2018 about another account. But I checked my credit report later that evening and there was a new inquiry on my report hard inquiry from XXXX XXXX. Never heard of this company.can you help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet Is using my copyrighted commercial intellectual property without permission. My name is my property and Nelnet does not have my permission to use it in any form or capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.