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

Delete this account in its entirety. Thank you, XXXX XXXX - account XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made withoutmy consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XX/XX/2023 2. The inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XX/XX/2023. 3 The inquiries was not authorized from XXXX XXXX ( 4 ) different inquiries from same company Date of Inquiries : XX/XX/2023 Please remove it from my credit report. 5. This account should not be reporting on my credit report XXXX ( account number XXXX ). Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Student loan

the servicer has elected to choose the budget that was tentative which is relating to the XXXX XXXX program with the XXXX XXXXXXXX XXXX. Nelnet has deliberately refused to review all the paperwork despite their XXXX  agent advises me that they would only adjust the excess that was relating to room and board. I have attached the confirmed budget that shows I was billed for room and board between XXXX budget financial year. Why is Nelnet is being deceptive and failed to do what is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I tried to log into my account from the website. The website requires they send a secure code to my cell phone either text or phone call. I am XXXX military XXXX and do not have access to any phone service. I only have internet. I tried their online chat and they could not help me log into my account. I am now locked out of my account for the remainder of my XXXX because I do not have a cell phone.
Product: Debt collection

I received multiple calls from the following number : XXXX. 
They also called my husband, who has a new number that would not be associated with the account in question. 

" XXXX XXXX with XXXX XXXX XXXX '' is who this person claimed to be. At first, she told me that I had formal complaints made against me, from a XXXX XXXX. I don't know anyone by that name. She then told me that this is in regards to a medical debt from XXXX, that she received from the hospital. This debt was paid in XXXX. 
After contacting the office that handled this account in the first place, I called " XXXX '' back, requesting documentation of this debt and who was obtained from.
Product: Credit card

I was offered a credit card by Amazon. I accepted. I made a few purchases. I cancelled the card. I am a senior citizen on a fixed income. I am trying to pay the balance off as best I can. There is a debt collector from the number XXXX XXXX XXXX calling XXXX times a day at all hours trying to collect the balance. I ask that this please stop.
Product: Mortgage

In XX/XX/2017, I contacted a mortgage company called Paramount Equity about refinancing my current VA home mortgage. I was finishing school and my VA benefits would end in XX/XX/XXXX. I told the representative that if I couldn't complete the process by XX/XX/XXXX there was no point in starting the process. I was reassured that everything would be fine and it would take just a few weeks to get it done. Weeks would drag by with no contact from anyone. Then I would receive an email saying that I needed to get something ; a termite inspection ( {$600.00} ), tax forms, pay stubs or getting the appraisal done ( several hundred dollars ) in the next 24 hours or it would halt the process. This happened numerous times, all the while they kept hitting my credit with inquiries telling me that they were of no consequence. After weeks and weeks, stretching into months and months, I was getting close to the point I was trying to avoid in the first place ; missing a house payment. When I did hear from someone, I was told to not worry, the end was nearly there. Well, because of their dragging their feet, I missed my XX/XX/XXXX payment. I then got a phone call that I was no longer eligible for the refi I was going for, but I could do a different refi, not take any money out ( we were hoping to pay off our cars ) and the interest rate would be much higher than we wanted. My credit score dropped, and I had to get a 2nd job to offset the change of income. If they would have actually done their jobs, or just told me it wasn't going to happen, I would not have missed the XX/XX/XXXX payment because the money I spent on the processes would have gone towards that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

i told transunion that they needed to delete or send me proof i got card from inquiry or firm offer of credit they just deleted older inquirys nothing new XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( Hotel and XXXX ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX i got XXXX card from and yet they have XXXX inquirys on my report so give me proof or delete inquires you guys stated that when i got started you guys told me to send in report and you would delete and so far i sent in XXXX consumer fraud reports XXXX police reports and attorney genaral and still got these inquirys on my report
Product: Credit card or prepaid card

I purchased two storage cabinets on my home depot store credit card on XX/XX/2022 for {$350.00}. When the order was not delivered, I had to wait months before that purchase was voided on XX/XX/2022, while still paying interest on that purchase as well as other legitimate orders before and after from that retailer.
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 items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$2900.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX, XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance ;
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Mortgage

Newrez ( Shellpoint Mortgage ) services my home loan. 

Per my loan documents, there is no penalty to an early payoff, and I started making two monthly payments in advance of the due date in order to pay down interest and pay off the loan faster. However, instead of applying my payments towards my loan when they are received, Newrez ( Shellpoint Mortgage ) holds my money in a different account and only applies my payments to my account as a on the due date. 

In addition, they are deducting an incorrect monthly amount for insurance. My insurance is paid annually from my escrow account, so a deduction for escrow is expected. However, in addition to the amount set aside for escrow, they deduct a monthly amount for insurance that is way more than what my insurance would be if divided into monthly payments.

I have tried to resolve these issues with Newrez ( Shellpoint Mortgage ), but their communication options make it impossible to properly address issues. Their customer support phone agents do not know how to help and tell me to contact them in writing. However, they do not provide any email address, only their website contact form, which, when it works ( about half the time ) does not register the content of the message, only that I contacted them. This way, they keep no records of my side of a conversation, only of their responses. I assume is so that they will not be liable or accountable for addressing the issues from the inquiries. The responses I receive from my inquiries through their website contact form are off topic and do not address the issues I contacted them about. 

On a side note, I noticed that Newrez ( Shellpoint Mortgage ) has the lowest possible rating with the XXXX, with over XXXX XXXX complaints in the last few months. Based on hundreds of complaints, I'm surprised that they are still permitted to operate as mortgage managers.
Product: Credit reporting or other personal consumer reports

They wrongfully took signatures for a service was not provided and will never be provided. I never signed anything. This is fraud. Experian is the only credit bureau that reports this on my account. My wife XXXX XXXX XXXX XXXX successfully disputed and won the claim to be taken out of her Experian report as provided in the support ( screenshots of her account showing the deletion of this loan, her case is exactly the same as mine and XXXX has the same support for both ). XXXX have unauthorized information of mine including contracts I did not sign and driver 's license I never provided. My case is nothing different than wife because they are claiming the same contract. Please review the screenshots and check her account I can call and be on the phone with her if necessary. This is a scam I had to hire a lawyer for. XXXX provided the SAME supporting information for both of us. I'm requesting the immediate removal of this loan. This loan seems to cover a timeshare in which they claim I had access to but I never had access at all. I CAN NOT pay for nothing because no product or services has been received. Loan number XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX  customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX XXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Product: Credit card or prepaid card

Bank of America did not disclose that there may be a wait period for an approval on the credit card. I would not have signed up for the credit card if I knew there was a wait period. After I submitted the application, the sales agent from Bank of America, XXXX from XXXX, FL told me that there would be a waiting period. 

At this point, I asked to cancel the application and XXXX responded that it was too late and the application could not be cancelled. XXXX stated that I already gave consent, however I would have NOT given consent if I knew there was a waiting period. 

If Bank of America Sales Representative, XXXX had disclosed the waiting period I would not have given consent and I would not have signed up for the credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

On XXXX I applied for a sams club mastercard issued by synchrony bank. When I applied for the card I received no response or indication of approval or denial. On XXXX I called synchrony bank and explained I had applied for the sams club card and received no information on a status of my application and was not notified electronically or anything. Their online app just took my information and that was it. The rep at synchrony said because I had " fraudulent activity in my history '' ( which i have no idea what that even means as their has been absolutely no fraud activity on my credit report or any or financial account ever ) that I was required to submit to an identity verification process via my mobile phone to approve the account. i agreed and did their very bizarre verification request. After I was done with that they approved the request and opened the account. However it was very strange, as I have very good credit and no mad mark on my credit and I am not in a lot of debt, they gave me a very small line of credit but what really took me back is they assigned a ridiculously high interest rate to me. Like a predatory high XXXX some percent interest rate. This makes absolutely no sense as at the time of applying I had over a XXXX credit score. Fast forward to 1 week later I receive a letter in the mail ( file attached ) saying they didn't assign the best interest rate to me because of my credit. On the letter it states my credit is a XXXX based on XXXX. Anything above 750 is consider top tier credit so exactly how could I not qualify for their best rate based on my credit as my credit is nowhere near poor, it's quite the opposite. I have attempted a few times to call synchrony and question this as it doesn't seem right at all. They bounce me around on calls, won't address my questions, seem annoyed at the fact that I am questioning being charged in interest rate typically reserved for poor credit which I don't have and they just generally seem very against helping or answering me at all. Even after I point out the very letter they sent to me contradicts itself and proves my credit is very good they just wont address the issue. I have talked to 4 other people who have this very card and were very taken back by the process I had to go through let alone the treatment I am receiving. I even talked to sams club and they also confirmed the process I had to go through is unheard of and very odd. This to me seems to be very discriminatory on synchrony 's part as there is no justification for the poor treatment, credit rate/line. I should be afforded the same rates and line of credit as others in my credit rating category and I am not.