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

Frost Bank is reporting 2 charged off bank account balances on my credit report as if they were loans and they have reported each account as Unpaid for over 35 months, which is significantly effecting my credit score. Additionally, both of these accounts were BUSINESS accounts, which should not be reported on my personal credit report, period. Further, both of these balances were paid off in full upon closure of both accounts. This has affected my ability to close on our new home and I need this removed IMMEDIATELY!
Product: Debt collection

On XX/XX/XXXX, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/2022, I submitted a dispute in regard to a XXXX XXXX XXXX XXXX that I believed to have the wrong information in regard to the attorney that was listed on my file with Transunion. I submitted the request over the phone with a representative and the individual advised me that dispute will be submitted, and it could take up to 30 days to complete. I checked my file the same day and saw the dispute was in fact submitted. The next day XX/XX/2022 I checked my file, and it showed that the dispute was completed and resolved. While I did not expect the research to be completed this soon, I was taken aback by the quickness of the research. I wasn't able to view the results on their website as outlined and when I called to ask about it, I was advised that I would get a letter in the mail. Today XX/XX/2022, I did receive a letter stating my dispute was resolved and accurate as reported. My complaint is how was this dispute submitted and resolved in one day. My letter does not outline what resources were utilized to confirmed what I stated was incorrect. As I was doing some further research in regard to the bureaus, I found a document from the Select Subcommittee on the Coronavirus Crisis dated XX/XX/2022, that was detailing Transunion practices where they were completing automated reviews and not truly following the process outlined within the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ).
Product: Credit reporting or other personal consumer reports

Received a {$20000.00} wire from a person I know. XXXX XXXX  said it was not intended for me. It was disputed by BofA. XXXX then closed my account and reported me to the XXXX XXXX. And black listed me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING. HARD INQUIRIES XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. 

XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX {$680.00} XXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$20000.00} XXXX The XXXXXXXX XXXX XXXXXXXX Department of Education all XXXX loan accounts. 
XXXX
Product: Credit card

I have an American Express Platinum card and one of the published benefits of that card is Hilton Honors Gold status. I tried to contact BOTH American Express and Hilton in XXXX regarding obtaining the status that is an advertised benefit of the charge card but both companies blamed each other and said I would have to contact the other company, which I did, to no avail. 

I re-attempted to enroll in Hilton Honors Gold status again today, on Monday XX/XX/XXXX. I was unsuccessful yet again. I am disappointed that I am not getting the published status for this card and can not get either company to fix this problem...
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX SENT A NOTICE ON XX/XX/XXXX STATING THAT WAS REPRESENTING DISCOVER BANK TO COLLECT A CLAIM AGAINST ME FOR $ XXXX.I SENT XXXXXXXX XXXX XXXXXXXX . A LETTER US MAIL ON XX/XX/XXXX DISPUTING SAID DEBT, OR ANY PORTION THERE OF.NO RESPONSE FROM XXXX..ON XX/XX/XXXX I SENT ANOTHER LETTER TO TO XXXX DISPUTING SAID DEBT. ON XX/XX/XXXX XXXX FILED A CIVIL SUMMONS AGAINST ME {$1800.00}. I FILED A REQUEST ON XX/XX/XXXX FOR DOCUMENTS IN CONNECTION WITH THIS MATTER.ON XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX.DENIED ALL REQUEST FOR DOCUMENTS. STATING REQUEST SEEK TO DISCOVER INFORMATION, DOCUMENTATION OR TANGIBLE EVIDENCE PROTECTED FROM DISCLOSURE BY ATTORNEY-CLIENT PRIVILEGE .XXXX  STATES THAT MY REQUEST FOR DOCUMENTS AS IMMATERIAL, IRRELEVANT, AND TO BURDENSOME.WITHOUT INFORMATION OR KNOWLEDGE SUFFICIENT TO FORM AN OPINION AT TO TRUTH OR ACCURACY OF CLAIM. ON XX/XX/XXXX XXXX FILED A MOTION FOR JUDGMENT .WITH OUT A HEARING.ON XX/XX/XXXX XXXX GOT A  JUDGMENT. WITH OUT A HEARING BY DEFAULT .STATING I DIDNT RESPONSEIN A TIMELY MINNER .
Product: Checking or savings account

Hello, Here is the requested information : I opened a 2.0 % high-yield savings account with Alliant ( XXXX XXXX ) in XX/XX/XXXX. A deposit of {$620.00} was transferred into this account on XXXX XXXX XXXX XXXX XXXX I attempted to establish my online account ; however, the authentication process failed. When I called the Customer Service line ( XXXX ) in late XXXX, I was advised that a supervisor would need to solve my issue. The XXXX XXXX told me someone would call me back once those positions started, around XXXX XXXX XXXX. No one called me back. 

In a 2nd attempt, I called back in early XXXX and was told the same story : the person I was speaking to couldn't help me, but they would have a supervisor call me back. At this point, I still have no access to my savings account and can not confirm that the funds are there. No one called me back. 

Deciding that the customer service was lackluster and the company was no longer trustworthy, nor worth my time, I opted to close my account. After waiting the required 90 days, I called the XXXX line again on XXXX XXXX XXXX XXXX and went through the steps with the XXXX XXXX to close my account. I was advised that I would receive an email from the department that handled account closings, typically within 2 weeks. No email confirming my closed account came to my inbox. I called back on XXXX XXXX XXXX XXXX to confirm that my account was closed and clarify the following steps. I was again advised I'd receive an email and that a check would be sent, as well. No email or check has arrived. 

Then, on XXXX, I received my first statement in the mail from Alliant. It stated that my account was closed on XXXX and that the balance was XXXX. Withdrawals totaling the original amount I deposited were withdrawn on the same day. No interest had accumulated and no check was included with the statement. 

As you can imagine, this is incredibly frustrating. The amount in question is only pennies for a financial institution but is a ticket to more security for me and my family. 

Thank you for taking my complaint and for providing this service. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I applied for a new credit card from Citi Online. At the application window, it promised me that I was approved for a {$14000.00} amount. It also showed that I was instantly approved for {$3500.00} and the remaining will be approved in 17 days. As of XX/XX/2023, way beyond 17 days, when I went to check my credit limit online, it shows that I was only approved for {$3500.00} and not a XXXX more. 

Citi promises to show you at the approval and application window for getting higher limit credit approval to get you to sign up for the Citi Diamond Preferred Credit Card and then do not deliver on those promises ( false advertising of showing higher credit limit approvals ). Nothing drastic has changed on my credit score or anything for this to happen.
Product: Debt collection

Please remove the following account from my credit report. The company has investigated it and realized that this account was not authorized by me. It is the result of identity theft I have attached proof from the company below.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$240.00XXXX XXXX XXXX XXXX Balance : {$700.00}
Product: Debt collection

Monterey Collection XXXX XXXX XXXX inaccurate info regarding loan for all XXXX credit bureaus. XXXX {$6000.00}, XXXX - n/a, and XXXX n/a I have made previous attempts to fix these issues directly with them and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of an incorrect address on my credit report. The address in question is XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I have never lived at this address, nor have I been associated with it in any way. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate or incomplete information from my credit report. This incorrect address can lead to confusion and potential damage to my creditworthiness, as it does not accurately reflect my actual residence history. 

Therefore, I respectfully request that you promptly investigate this matter and remove the incorrect address from my credit report. My correct address is [ XXXX XXXX XXXX XXXX, XXXX GA XXXX ].
Product: Consumer Loan

I sent a check to Santander Consumer USA Inc . It was returned to me because they say the check was damaged. However, if you look at the copy of the envelope they scanned and provided to me, it was not damaged. 

The check literally was cut with scissors to remove the number XXXX in my checking account number ; tape was applied. They sent it back saying my check was damaged.
Product: Checking or savings account

On XX/XX/2022 I deposited 2 checks just opened the account like 1 or 2 weeks prior so first I deposited XXXX form my personal bank account to unlock mobile deposit. As I unlock this i deposited 2 checks one for XXXX this check went though and another one for XXXX. The check for XXXX $ did not go though and this was I check I got mailed for form a wager I won form a guy online. After this check had not went though they frozen my account try and waited patiently for the security team to contact me its been 3 weeks no call back. I've tired reaching the company though other ways which no one could help my situation. I need the money in my account to pay rent and upcoming bills there currently XXXX $ in this frozen account that I have not been able to access for 3 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses does not belong to me and are showing in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Also all the following names are incorrect/innacurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have disputed the account.
Product: Debt collection

I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE. I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. 

I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE. 
ALSO AFTER FURTHER INVESTIGATION ONLINE INFORMATONS SERVICED DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B. 
FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. Please update this account ASAP.
Product: Vehicle loan or lease

I test drove this car for 7 days and sent it back and they still have this open contract on my credit report for a car that I do not own. And they verified my Dispute I did with the credit bureau as accurate and it is inaccurate. I do not own this car. Why is this still in my credit report??
Product: Debt collection

On XX/XX/year>, I received a call from Advance Loans phone number XXXX at XXXX XXXX. This is absolutely unacceptable and completely disregards the laws surrounding collection calls before XXXX and after XXXX. I do not even have a loan with this company, according to them I was put down as a reference to someone who received a loan so why would I even have a call this late is beyond me. I have received calls in regards to them looking for that person previously, but never so late in the night while in bed.This is a violation of the Fair Debt Collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1666b In accordance with FCRA, ( FIG LOANS ) has violated my rights. 15 US Code 1681 section 602 A states I have the right to privacy.

15 US Code 1681 section 604 A Secrion 2 : also states a consumer reporting agency CAN NOT furnish an account without my written instructions. I have not given anyone authorization to report said accounts.

15 US Code 1666 B- a creditor May not treat a payment on a credit card account under and open end consumer credit plan as late for ANY purpose.

In addition, under the cares act- creditor made an accommodation which prevents late reporting on any account 15 U.S. Code 1692C -communication in connection with debt collection I contacted company to request that they not only correct the erroneous late reporting but to also update the balance on the prior paid off and closed account. Company has refused to correct this which is affecting my credit rating and reputation as well as my debt to income ratios.
Product: Credit card or prepaid card

XXXX I attempted to get a XXXX increase line of credit on my Capitol One Visa Card. 
I have a XXXX limit. My pet is having XXXX and the cost is over XXXX. I own my home outright and my XXXX  XXXX XXXX vehicle. My credit score is in the XXXX mark and has been for over a decade. I have no outstanding debts. I am retired on a monthly XXXX pension after taxes. On XXXX I ran up a XXXX charge on the capitol One card and paid off the entire amount within 12 days of making the charge. 
I tried online for a credit increase and was offered only XXXX. I called the credit card company but was told there was nothing they could do for me. 
This is unacceptable.
Product: Debt or credit management

My complaint is against National Debt relief. I was told that there fees have been figured out in monthly charges over the XXXX  month period. No need to worry about extra fees. Then they withdrew {$1000.00} from my account which left me short to settle with XXXX in XX/XX/2025. T cancelled my account with National debt with over {$2500.00} balance. They are keeping this money even though XXXX was not settled completely. They are thieves. I am over XXXX and can not just write this off.
Product: Mortgage

Submitted application for Loan Modification to Dovenmule mortgage companies loss mitigation department..They have not stopped collections activity even though they have the application package return with all the documents. They sent someone out to my home today with documents to sign. I was not at home and they would not tell the person at the home what it was in regards to. They only stated that I needed to call the mortgage company. This is harassment. They are taking their sweet time process the application.
Product: Student loan

NAVIENT ( or XXXX ) is not updating my student loan payment information, which is adversely affecting my credit score ( see document # XXXX XXXX. Over the past year, I paid approximately {$10000.00} per month, and I paid off my student loans in XXXX 2016 XXXX see document # XXXX XXXX. HoweverXXXX shows that I have a balance of {$100000.00}, which is incorrect ( see document # XXXX ). I have not had a balance that high since XXXX. I called NAVIENT on XXXX XXXX, 2016, and the customer service representative was unhelpful, saying the issue is with XXXX, although she could not tell me if NAVIENT had sent the correct, updated information to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Mortgage

Shellpoint is my mortgage company and in XXXX I received a letter advising that they needed an updated HOA insurance policy from my Condo Association Board. I contacted the Assoication and that same day ( XX/XX/2020 ) they faxed the HOA insurance page to Shellpoint and emailed me a copy of the successful fax cover sheet. On XXXX XXXX I received a letter from Shellpoint advising me they did not received the HOA info. I called Shellpoint and spoke to a representative who advised me they did not receive the fax and to resubmit which I did via email. The end of XXXX I received another letter from Shellpoint stating they still did not receive the document. I called again and was advised to upload the docment directly into the Insurance dept. website, which I did. Today I received a letter from Shellpoint advising that effective immediately I was being charged {$1400.00} for the month of XXXX for lack of insurance coverage! I went onto the Shellpoint site to stop my auto payments until this is resolved & Shellpoint would not allow me to remove my bank information! I called Shellpoint Insur. Dept. and was asked to leave my phone number and  they would return my call, I never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from NAVY FCU on XX/XX/2021. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from Navy Federal Credit Union and I have been injured.
Product: Credit reporting or other personal consumer reports

I started getting collections calls for accounts that I had never opened and after checking my credit report at each of the XXXX bureaus I found fraudulent accounts on all of them. So I filed an identity theft affidavit with identitytheft.org and filed disputes at each of the XXXX bureaus attaching the identity theft report to each of them. However, when they brought this fraud to the attention of these creditors they simply turned around and said the information was verified as accurate. Which kinda blows my mind, of course it will be my correct info. THATS HOW MY IDENTITY WAS STOLEN! 

I submitted these disputes multiple times and each time was told the info was verified as accurate. From my understanding, submitting the identity theft afidavit is all I needed to do to get the fraud removed from my credit reports, only to this day these fraud accounts are still destroying my credit making me unable to use my credit at all. 

The only credit I ever took out in my name was from XXXX XXXX, XXXX auto loans, XXXX credit card, and XXXX line of credit. Other than that I had XXXX credit card with XXXX XXXX. THE REST OF THE ACCOUNTS ON MY CREDIT ARE FRAUD.