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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$470.00} XXXX XXXX XXXX Balance : {$220.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX XXXX XXXX {$0.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$7100.00} U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX ) XXXX Balance : {$1600.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$4000.00} U S DEPT OF EDXXXX ( Original creditor XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance XXXX {$290.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) Balance {$470.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2200.00} US DEPARTMENT OF EDU XXXX Balance : {$7100.00} US DEPARTMENT OF EDU XXXX Balance : {$1000.00} US DEPARTMENT OF EDU XXXX Balance : {$1100.00} US DEPARTMENT OF EDU XXXX Balance : {$1600.00} US DEPARTMENT OF EDU XXXX Balance : {$4000.00} US DEPARTMENT OF EDU XXXX Balance : {$3900.00} US DEPARTMENT OF EDU XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX - XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$290.00} 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 Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach. As a result, the following fraudulent accounts have appeared on my credit report without my authorization. I request that these accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$2500.00} XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$750.00}
Product: Debt collection

XXXX XXXX  XXXX XXXX has sent me to collection with Convergent Outsourcing to collect a debt that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not dispute the inaccuracies on my credit report because key information about my personal information is wrong. When I attempt to dispute the information, I can not be authenticated on their form because I am entering the correct information.
Product: Payday loan, title loan, personal loan, or advance loan

This company is simply robbing people! I understand the difference between capitalism and theft. There is no fine line. This company could not answer how they amortized my loan that I didnt not know I was getting my self into. Or how they can get away with charging over XXXX XXXX XXXX  for appliances that dont even retail for XXXX. Simply, this company is charging me {$5100.00} in fees and charges. This whole situation is XXXX
Product: Debt collection

This is not a duplicate complaint! This is a request of documents and information. This is a complaint because Discover is not sending documentation and information on the account. 
I request method of payments on the account. Specifically, the methods of payments used that bounced. The bounced payments then afforded this person to continue using the card and allowed the credit limit to be exceeded. 
Please, I need method of payments, accounts used, name of these accounts, IP Address, etc. Please call if you do not understand.

I have already sent sheriffs report, FTC identity theft reports etc., and your denial of fraud continues. The documents and information I am requesting will reflect a pattern, the identity of a person, and allow me to update the sheriffs report, and allow me to pursue. I have repeatedly requested this information and you are hurting and preventing me to establish the fraud. 
Again I ask, please call if you do not understand my request.
Product: Mortgage

I am contacting the CFPB for help in dealing with my mortgage servicing company, Shellpoint Mortgage Servicing. Prior to XX/XX/XXXX, XXXX XXXX XXXX had been servicing my mortgage. XXXX had my loan on a forbearance from XX/XX/XXXX through XX/XX/XXXX. I extended the forbearance another three months because although I was able to make payments, I was not working nearly as much during those months and anticipated being short. I was told I could make payments even though the loan was on a forbearance so I made the following payments while continually extending the forbearance dates : XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2500.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX days XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid XXXX due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX Paid {$2600.00} due for XX/XX/XXXX XXXX had assured me the past due payments would be deferred but then the loan transferred from XXXX to Shellpoint XX/XX/XXXX . Shellpoint insisted they needed a full package which resulted in denials for insufficient income. I explained I simply wanted to defer the past due payments and keep my 2.5 % rate because of course, any modification would increase my rate substantially. I only wanted to defer the past due payments and continue to pay my regular payment. I pointed out that not only did Shellpoint deny my loan for retention options but they stopped taking my payments and quickly referred the loan to foreclosure XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Regional Acceptance Corp is blatantly violating the Fair Credit Reporting Act by falsely reporting late payments on my account all the way through XXXX XXXX full XXXX years after it was officially charged off in XX/XX/year>. This is not just an error ; it is a reckless and misleading act that severely damages my credit profile. A charge-off means the lender has already written off the debt, yet they continue to pile on late payments as if I were still missing monthly obligations. This grossly inaccurate reporting is harming my financial standing and must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX RE : Validation Required over XXXX years old XXXX  XXXX, XXXX To Whom It May Concern, EXPERIAN, XXXX, XXXX Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over XXXX years old : XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over XXXX years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over XXXX years old. 


Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

On and around XXXX XXXX Current XX/XX/year> Affirm continues to inaccuratly report information to the three credit bureaus. They have continuously reported that prohibits me from a fair rating for credit.
Product: Credit card

REf # XXXX Portfolio Recovery. 
The creditor filed an illegal law suit against me and was issued a judgment based on fraudulent information. The creditor had/has no proof that they even own the debt in question. Further the affidavit confirming the amount of the debt owed was " robo-signed '' fraudulently and the actual amount of the debt was never actually verified as required by law.
Product: Credit reporting or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXXXXXX XXXX XXXXXXXX account number XXXX Date opened XX/XX/2017 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, an ACH transfer was originated to PayPal from XXXX totalling {$99.00}, to settle a negative account balance of the same amount. On XX/XX/2019, at XXXX XXXX  US Central Time, the transaction completed with trace ID XXXX. As of XX/XX/2019, at XXXX XXXX US Central Time, PayPal customer service management claims the funds were not transferred. Consequently, I am unable to complete transactions using PayPal because the service automatically attempts to charge my account an additional {$99.00} to cover the negative balance already covered. 

PayPal advised 3-5 business days to complete ACH transactions, and refers to this advisement in attempt to reconcile this matter. However, as detailed above, the transaction already completed on XX/XX/XXXX, and PayPal has chosen not to apply my payment to my account upon receipt of funds from my bank. Because PayPal has chosen to hold my money and delay applying it to my account, I can not complete an important transaction before the end of a significant discount period. Consequently, PayPal will cost me an unjustified approximate {$100.00} even if I wait for them to apply the funds that they have already received. 

PayPal 's customer service manager claimed on the phone with my bank 's customer service that the funds did not transfer, even as my bank advised that the funds in fact did transfer on the XXXX of XXXX. It is therefore only possible that either my bank is lying, to no perceivable benefit, or PayPal is lying in order to misappropriate my funds for some period of days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX 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 They must be eliminate due to their inaccuracy
Product: Credit reporting or other personal consumer reports

I file this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Below is my previous complaint ( XXXX ) about this issue. Despite the claim by Lending Club in their resolution that a new check will be sent out to the address they have on file, to this day I still have not received the check. I do not know what happened to the check, but the address they claimed they sent it to is correct and I have been pretty carefully checking my mail for this particular item. And again after trying to go through customer service via email, they want me to call and explain my situation after thoroughly explaining it through email. Through past experiences, I know this will take hours of my personal time, which is too valuable to waste explaining something that I already have multiple times to the same company. All I want, again, is for this check to arrive so I can be done corresponding with this company for good. 


PREVIOUS COMPLAINT : " On XX/XX/XXXX, I paid off a personal loan with Lending Club. I received an email around the beginning of XXXX from Lending Club stating that after an audit of my account, I was owed a refund of {$300.00} due to overpayment on my payoff, and that the refund will come in the form of a check sent to the address they had on file, which was still my current address. Then on XX/XX/XXXX, I received another email saying : Your refund of {$300.00} will be issued to the address we have on file for you or to an updated address identified for you based on information from the US Postal Service, and you should expect to see that soon. We will move as quickly as we can to issue your refund check, but it could take several weeks after that date for you to receive your check. We do expect that your check will be sent no later than XX/XX/XXXX. As of this complaint, I have yet to receive a check. I have attempted to contact Lending Club a few times thru email, and they request that I call. After speaking with a representative on the phone, they said they would have a manager call me back. This call back never happened. After dealing with this for many hours, I feel I have to come here hoping for a resolution. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent information on my credit file as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and the following account on my credit report has been fraudulently opened without my consent : Account Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXXXXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX Account Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Governor  XXXX of California shut down the state and ALL NON-ESSENTIAL workers were order to stay home until XX/XX/XXXX due to COVID-19 pandemic. I am a XXXX XXXX and we are consider non-essential. My building where I lease a XXXX  XXXX , closed the building until stay home orders are lifted. All my wages depends solely on XXXX. Once I lost wages and was unable to receive unemployment, I was unable to pay my XXXX XXXX XXXX credit card due XX/XX/2020 in the amount of {$60.00}. On XX/XX/XXXX, I called XXXX 's to enroll me in the Relief program for customers whose jobs have ben affected by the COVID-19 pandemic and if my late payment was reported, if it was could he revered it. He said he couldn't see if it was on reported and that I have would to look on my credit report. Today, I see that XXXX has reported " late payment '' on my credit report, which is utterly disgusting to do during a pandemic when we are all struggling to survive, keep our family safe and are forced to stay home relying on a tumultuous government. I am on XXXX XXXX now and XXXX just allowed sole proprietors to apply for benefits in XX/XX/XXXX. I would like this inaccurate " late payment '' removed. Thank you.
Product: Mortgage

I use a mortgage company called United Wholesale Mortgage ( UWH ) based in XXXX NJ. I refinanced with the mortgage company for a lower rate on my 15 year conventional mortgage. We closed the refinancing on XX/XX/2020. The mortgage company owes me {$8700.00} from the Escrow and overpayment of the Mortgage. I have yet to receive any check back from the Mortgage company. I have called multiple times to inquire and have still not received any money back from the company. Every time I have called, I have been promised an escalation and that the refund check would be sent to me immediately. Nothing has happened. I called for the 5th time today, and again customer service told me only a XXXX can help me and there is no XXXX available. 

I get the sense that this is a tactic the company uses to slow down or stop refunds checks back to customers. The customer service has been terrible and I want to lodge a complaint as this is money that my family needs during this tough time.
Product: Checking or savings account

I went to make a purchase using my debit card on XX/XX/XXXX, and it was declined even though I knew there was money in the account. Later that day, I tried making an ATM withdrawal to see if maybe it was the business ' terminal and was again declined. 
When I called CitiBank I was told a block was placed on my account and then it was determined to be frozen for closure. I asked why I was never notified or given a heads up and was repeatedly told " you will receive a letter in XXXX business days with an explanation of the decision. '' I have called several times since and spoken to the fraud team who said a special department is who placed the block and that they ( fraud team ) did not have access to any of the details regarding the matter. There is supposedly no direct line to that department either. When I called the main customer service line on approximately XX/XX/XXXX to file a formal complaint, the only thing they were able to tell me ( which was more than ANYONE had up to this point ) is that the case was closed on XX/XX/XXXX and suggested I give them XXXX more days for a letter to be received before calling again. 
When XX/XX/XXXX arrived and still no letter had been received, I called the fraud department again and demanded I speak to a supervisor after the agent told me that my account was " frozen for closure '' on XX/XX/XXXX. The agent said that talking to a supervisor was not going to result in more information or a different answer, and the supervisor confirmed that when he rudely spoke to me on the phone. 
I have now had no access to approximately {$1400.00} for a month... I am a XXXX  mother of XXXX XXXX  children, behind on bills, and barely make it getting paid twice a month. 
CitiBank continues to give me the run around and not providing any answers or solutions. The request was made by myself more than once to have my funds released and have been told " you will receive a letter and a check if anything is owed to you in XXXX days of closure. '' There are no physical, brick and mortar branches that I can go to and have this resolved or I would have already done that. I informed CitiBank that I would get a lawyer involved if I needed to, and again was told " you will receive a letter explaining the decision. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on credit reports 1. Us Department Of EducationXXXX {$5700.00} 2. Us Department Of EducationXXXX {$9400.00} 3 Us Department Of Education/XXXX {$5400.00} 4 . Us Department Of EducationXXXX {$1200.00} 5. Us Department Of EducationXXXX {$4100.00}