23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Thursday XX/XX/XXXX I woke up to an email from chime telling me my email was changed and a text from them telling me my phone number was changed. I immediately called them to try and resolve and let them know that it was not me making these changes but they seem to have a hard time verifying who I was and filing disputes because I was unable to get into my account and verify any of the last 5 transactions that were made on the account. I called them 5 to 6 times that day trying to verify my account and trying to get them to put a hold on my account. I was finally told that there were several transactions made to paysend XXXX, XXXX, and so on. There were unauthorized transfers to my credit builder on XX/XX/XXXX that was about XXXX where the hacker bought several things at the apple store for {$500.00}, {$500.00}, {$2000.00}, {$4000.00}, and {$500.00}, I know this because able to reaccess my account on sunday XX/XX/XXXX for one day only after verifying myself with a picture and ID and took screenshots. As well as made dispute claims with chime. One for my credit builder account amounting in XXXX and one for my debit card/checking account amounting in XXXX On XX/XX/XXXX I was hacked again and still had a hard time verifying myself and the rest of what was left of my funds I believe. I had a hard time getting chime to suspend my account again that day and do not want to reactivate the account until I'm sure the hacker will not be about to get back into it. I got around {$10000.00} stolen from my account. I'm a single mother and this shouldnt have happened. I continue to get emails from chime saying that my disputes dont seem suspicious. As well as emails from them calling me by a name that shouldnt be on my account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after l asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts : XXXX XXXX XXXX Account Number : XXXX This account was also removed from my report on XX/XX/XXXX and was added to my report again without notifying me in writing as required by law.
Product: Credit card or prepaid card

I APPLIED FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXX.MY APPLICATION WAS FIVE TIMES.MY APPLICATIONS WAS FOR FIVE COPIES OF AMERICA EXPRESS VISA CREDIT CARD THAT WAS MEANT FOR FIVE PERSONS.I USED FIVE DIFFERENT NAMES TO APPLY FIVE TIMES FOR AMERICA EXPRESS VISA CREDIT CARD ON THE XXXX AND XXXX XXXX XXXXTHE AMOUNTS WERE ABOUT {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000} & {>= $1,000,000}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Upon closely inspecting my recent credit report, I identified several accounts that appear to be inaccurate and were included without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIM XXXX UPDATE TO CLAIMXXXX I AM SO TIRED OF THIS BACK AND FORTH BETWEEN TRANSUNION AND THEM PERFORMING BUSINESS MISCONDUCT AGAINST THE UNITED STATES CONGRESS AND ITS LAWS UNDER THE FCRA . CONGRESS DEMANDS THE ELABORATE MECHANISM WHO IS TRANSUNION TO EXCLUDE! TRANSACTIONAL ACCOUNTS UNDER 15 USC 1681a ( 1 ) ( 2 ) AND TRANSUNION WILLFULLY PERFORMS AGAISNT CONGRESS AND HAS NOT REMOVED THE ACCOUNTS REQUESTED AS DEMANDED BY CONGRESS. TRANSUNION IS IN CONTRACTUAL BREACH OF THE METRO 2 COMPLIANCE AGREEMNET 2-1 page 18 WHICH CLEARLY STATES " Automated Data Accepted by all consumer reporting agencies, the Metro 2 Format enables the reporting of accurate, complete and timely credit information. Meets all requirements of the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. '' THIS REQUIREMENT UNDER METRO 2 COMPLIANCE INCLUDES 15 USC 1681a ( 1 ) ( 2 ) EXCLUSIONS!!!!!! TRANSUNION IS IN FEDERAL VIOLATION ND METRO 2 COMPLIANCE VIOLATION FOR WILLFULL NEGLECTION OF GRAVE DUTIES
Product: Debt collection

In early XXXX my fiance, XXXX XXXX, and I received a notice from SentryCredit that we owed a debt of {$700.00} due to " rent charges '' that they claimed were never paid. They claimed these charges stemmed from a lease with XXXX XXXX in XXXX, Co, from XX/XX/XXXX - XX/XX/XXXX. Upon reviewing our lease termination documents, it was apparent that this " amount owed '' was the result of a clerical error, specifically, an incorrect move-out date listed for the unit. I contacted SentryCredit on XX/XX/XXXX to dispute this debt and highlight the error for them. At this time, they requested a ledger/balance sheet from XXXX in order to validate the debt. In several subsequent calls to SentryCredit, their representative informed me that they had validated the debt, but had never received any ledger from XXXX pertaining to our account. SentryCredit, to-date, has neither been able to explain how they were able to validate this " debt '' without having received any ledger from XXXX, nor have they provided us with any proof of debt or debt validation documentation. 

In the interim, I contacted the XXXX management office directly to ask them to review our account, and indeed, this " debt '' was the result of a clerical error ; not only did we not owe them any money, they owed us a balance remaining from our security deposit. The management office at XXXX corrected their ledger to reflect no past-due balance on our account and sent us a check for the amount they owed us. 

Since verifying with XXXX that this is not a valid debt, I have contacted SentryCredit multiple times to reiterate that XXXX has corrected the mistaken balance on their end. Each time I call, I am told the same thing : " I will let your case XXXX know ''. When I have followed up to ask if they have received a ledger from XXXX, the answer is always " No ''. When I ask if they have reached out to XXXX to request an updated ledger, the answer is always " no ''. 

As of now, SentryCredit, the collections agency contracted by XXXX is the only entity involved that claims we owe a balance. In the preceding 4 months, they have provided me with no validation of this debt, and they have made XXXX effort to follow up with XXXX for any sort of confirmation. We are now seeing major impacts to both of our credit scores ; my credit score has plunged XXXX points in the last month because SentryCredit refuses to follow up with XXXX to get a correct ledger, or any ledger for that matter. 

Attached below is a screenshot of the ledger, forwarded to me by XXXX 's resident XXXX, reflecting a negative account balance and that, we do not indeed " owe '' anything on this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I believe is inaccurate and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to make contact with XXXX which shows on my credit report as a negative and delinquent account. This loan was paid off by XXXX XXXX after the vehicle was deemed totaled and unsalvageable. The remaining balance left was covered by the Gap insurance that was purchased for the vehicle. This account was paid off in full and shows a delinquent status on my credit report. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Product: Mortgage

I have a continuous and ongoing problem with Shellpoint Mortgage, phone number : XXXX XXXX XXXX XXXX 

XXXX ) In the month of XXXX, the mortgage company processed the payment two times causing me a financial hardship. When I contacted them by phone, they would not reverse at least one of the payments. I contacted my credit union, and they conducted an investigation and concluded I was correct, and they reversed one of the payments. 
2 ) Shellpoint took immediate punitive action and removed me from their autopay system and mailed me a notice of adverse action dated XX/XX/year>. 
3 ) This problem was caused by them as they did not record the first payment as received. 
4 ) Consistent poor customer service and incompetence on the part of the customer service representative 's example : hostile and argumentative making constructive communication difficult. 
5 ) Changed my email address without my permission and sent my confidential information to this unfamiliar email address thus compromising my identity. 
6 ) Failure to notify when payments are made.

7 ) Deliberately denying me access to my information online, causing me to change my password at least ten times now or each month when I sign on to make the payment. In fact, on XX/XX/year> they required me to change my password four times in total. 
8 ) To date, I still can not sign into the Shellpoint online portal to access information about my mortgage and some information isn't available at all. 
9 ) I have contacted XXXX XXXX three times for assistance and they finally to file a complete about the problems with your agency. 
10 ) Failure to transfer the call to a supervisor or manager after I have asked for additional intervention three or four times during the call. Failure to return any calls whatsoever. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My interest rate changed in 2015 and I was not informed. My payments were {$.00} short, a whole dime for 6 months. Wells Fargo began calling me stating that my payment was late. They charged me fees of {$28.00} as a late fee. When I checked my account they had pulled my {$240.00} payment on time every month. It took almost an hour of talking to customer service for someone to tell me that because I was {$.00} off for a total of 6 months of payments I was considered late and in default. I explained I was not informed that my interest rate had changed and was told that I should be monitoring my account as they do not send notifications. I was charged {$28.00} dollars and considered delinquent over {$.00}, not even a dollar. Had they informed me correctly I would have adjusted my payment as it comes out automatically because I have checking accounts with Wells Fargo. The tactics and fees are disgusting even to people who are trying to pay on time and are solid customers of their bank.
Product: Mortgage

I was pre-approved to apply for home on XX/XX/XXXX with Nexa Mortgage for price {$290000.00}. I applied for XXXX Loan on loan with Nexa Mortgage to buy a home at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX with a binding contract on XX/XX/XXXX. I received the contract to buy the home.The Mortgage broker XXXX # XXXX is XXXX XXXX, phone number XXXX. The Loan Process was XXXX XXXX XXXX. The loan was supposed to be processed within theXXXX days to close on the loan my XX/XX/XXXX With XXXX XXXX Mortgage XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX was informed that I had submitted all documents that was needed process the loan during the XXXX day contract time to buy the home and loss my {$300000.00} earnest money, inspection fee {$300.00} and {$500.00} appraisal. The loan processor continued to ask for documents needed past the XXXX day period and informed me that the underwriter did not know what he was doing and was no longer working at the company. 
My Realtor Agent XXXX XXXX with XXXX XXXX  informed Buyer to sign a Notice of unilaterally extend closing for XXXX days. I had until XX/XX/XXXX to close the contract with the seller XXXX XXXX. 
My contact was not closed on XX/XX/XXXX due to the Buyer gives notice to the other parties to XXXX XXXX and sale agreement that the closing date is extended for 8 days for the following reason ( XXXX ). 

A. Buyer 's mortgage lender, if any, ( including " all cash '' transactions or the closing attorney could not fulfill their respective obligations by the date of the closing due to no fault of the Buyer. 
B. Buyer 's has not received required estimates or disclosures, and Buyer is prohibited from closing under federal regulations. 
A copy of the notice unilaterally extended closing date for XXXX days was signed by buyer and seller. 
The processing time of not closing my XX/XX/XXXX with Nexa Mortgage not being consistent of the XXXX  day timing process caused Buyer to have a notice of unilaterally extension closing for 8 days. Nexa processing the loan was not within a 15 day period caused me to have to extend to 8 days and losing the XXXX 's {$3000.00} earnest, {$300.00} inspection fee and {$500.00} XXXX. The appraisal was completed on XX/XX/XXXX and The closing date of the contract was on XX/XX/XXXX. The XXXX XXXX XXXX decided to close the contract after the appraisal on XX/XX/XXXX and request the {$3000.00} earnest money although the buyer 's mortgage lender or closing attorney could not fulfill their respective obligations by the date of close due to not fault of buyer and not receiving required estimates or disclosures and Buyer is prohibited from closing under federal guidelines.
Product: Checking or savings account

I received a statement in the mail for an account that I had not opened. Listed on the account is another person 's name that I do not know. The statement period is XX/XX/2024 - XX/XX/2024. This seems highly suspicious. 

Upon opening the statement, I made a phone call to XXXX by XXXX XXXX to report the fraudulent account, have it closed, and to find out what information was used to verify the identity of the persons listed on the account. I was told I would have to write a letter requesting this information and mail it in. I informed them that if my information has been compromised, I need to know right away, not wait for mail. 

Additionally, I informed them that as the account holder I should be entitled to know what information they have for the account. They took no action to verify who they were speaking with nor were they willing to share any information about the account holder details. Further, I was able to get them to change the address on the account without having provided any information to verify that I was authorized to make the account change.
Product: Credit card or prepaid card

In XX/XX/XXXXI received a letter stating the bank was considering closing my account. I called the bank and spoke with a supervisor who assured me that as long as I use the card it wont close. I attempted to use the card today and was declined. I called the bank and spoke with a different supervisor who told me I was lying, I had never called the bank, And that he would not reopen my account.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXXXXXX XXXX XXXX - Account XXXX
Product: Debt collection

I am writing to file a complaint against Ability Recovery Services LLC regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to Ability Recovery Services LLC. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, Ability Recovery Services LLC has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt.

I firmly believe that Ability Recovery Services LLC has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.
Product: Debt collection

XXXX XX/XX/2021 i have told them that it was a scam. This was sold to these people. 
! 5 usc 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to have a wrong address removed through your website, however Equifax removed 5 CORRECT addresses I had resided in for almost 5 years OR MORE ERRONEOUSLY ... 
I NEVER ASKED IN MY COMPLAINT REMOVAL OF FIVE OF THESE ADDRESSES ... 
PUZZLED AS HOW AND WHERE FROM THEY GOT THE IDEA AND TOOK THE INITIATIVE OR RIGHT TO DO SO. I HAD ASKED THAT THEY REMOVE ONLY THE XXXX ADDRESS, AND THAT THEY RE-INCLUDE ANOTHER ADDRESS ON XXXX THEY HAD REMOVED ERRONEOUSLY WHEN IN 2018 I HAD TRIED TO REMOVE ANOTHER ADDRESS THAT DID NOT BELONG TO ME ... SO ONCE AGAIN, THIS TIME AROUND THEY REMOVED 5 CORRECT ADDRESSES INSTEAD OF 1, IN 2018 AGAIN ERRONEOUSLY. ( I ASKED EQUIFAX TO CORRECT, REINCLUDE THE ADDRESS IN 2018, I WAS PROMISED, GOT THE CONFIRMATION, IT WAS NOT INCLUDED IN CURRENT REPORT ). 
SO I AM DEEPLY CONCERNED FOR MY CREDIT REPORTS HISTORY GENERATED BASED ON ALL THESE ERRONEOUS ACTIONS. WHY IS IT SOOOO HARD, DIFFICULT TO GET A SIMPLE PROCESS OF REMOVING A WRONG ADDRESS, WHY DO THEY BECOME MORE CREATIVE AND DELETE THE CORREC ADDRESSES? HOW CAN WE TRUST A COMPANY ON ANY OF OUR PERSONAL INFORMATION? I GET DAILY BASIS PROMOTIONALS TO BUY THEIR SERVICES ... BASED ON THESE EXPERIENCES I AM ALMOST CONCERNED ABOUT ANY OF MY PERSONAL INFORMATION IN THEIR POSSESSION ...
Product: Credit reporting or other personal consumer reports

XXXX, XXXX This is my fourth attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. I have summited all the required documents including : 1 ) POLICE REPORT 2 ) IDENTITY THEFT REPORT 3 ) PROOF THAT I WAS UNDER FEDERA LCUSTODY 4 ) PROOF THATI WAS RELEASEDONSUPERVISEDRELEASEINNEWYORK 5 ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX and then in XXXX until XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card, get a phone, or open a business, let alone buy a car when I was in Federal Prison and then a Halfway House and Probation/Supervised Release living in XXXX  XXXX New York XXXX Once released I moved to XXXX with my wife unitl XX/XX/XXXX. I have my tax returns to prove it. My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is : - XXXX  XXXX account opened in XX/XX/XXXX. XXXX {$2400.00}. XXXX Credit Card I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
Product: Debt collection

I provided documentation, and spoke with supervisor. I was informed by Pro Collect it would take 30 days to remove from my credit profile. Additionally, after repeated efforts with XXXX they too were not will to help.