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

" in accordance win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for XXXX  XXXX bankruptcy in XXXX, XXXX. I had a credit card account with XXXX at the time and the card was included in the bankruptcy. My plan of reorganization was approved in XXXX, XXXX and payments began in XXXX, XXXX. I made all required payments to XXXX per the plan. Once payments stopped, in XXXX of XXXX, XXXX began reporting missed payments and changed the status of the card to delinquent and in collections with the major credit bureaus. They now report that I have missed payments since XXXX, XXXX. They have also used a collection agency, XXXX XXXX, to attempt to collect this debt that was satisfied per the plan of reorganization. I have disputed this inaccurate information with XXXX XXXX, XXXX, XXXX, and Equifax providing bankruptcy documentation as evidence. XXXX also received all of the relevant bankruptcy documents while the case was open since they were a named creditor. Because of this, my credit score continues to suffer and I am unable to repair my credit as afforded by my bankruptcy petition that was filed almost 6 years ago. I was also denied an application for a student loan and a rental lease for an apartment with this account being specifically listed as the reason. I also have spent more than {$1500.00} on legal counsel to resolve this already.
Product: Mortgage

Shellpoint Mortgage Servicing applied the false lender paid insurance on my monthly mortgage payments since XXXX. Shellpoint claimed the reason for charging XXXX XXXX monthly lender paid insurance on my mortgage due to not able to receive the subject condo master insurance binders from the condo management company. As soon as I found out about these unreasonable charges, I contacted Shellpoint immediately and clearly stated that I should not be responsible of paying these false lender paid insurance because the subject condo project does have valid master insurance policies in place at all time. I noticed Shellpoint multiple times that I refused to pay these false XXXX XXXXXXXX monthly lender paid insurance premium and I will not pay any related late payment charges caused by the false lender paid insurance premium. In the meantime, I made the monthly mortgage payments to Shellpoint on time every month for all principal, interest, taxes and home insurance premium. On the other hand, I contacted the condo management company to request the valid/current condo master insurance binders and the condo master policies for the previous two years and sent them to Shellpoint. Shellpoints representatives promised all the false lender paid insurance premium and related late fees will be removed/waived as soon as they have finished reviewing the condo master insurance policies. Shellpoint made the mistakes not applying and crediting my monthly principal, interest, taxes and home insurance premium mortgage payments on my mortgage account properly and treated my payments as partial payments instead of full payments which in result to ruining my mortgage payment histories and credit histories by reporting my mortgage payments as 30-day late/behind to all XXXX  major credit bureaus. Shellpoint sold my mortgage loan servicing to XXXX XXXX XXXX in XX/XX/XXXX with all the false information without correcting their mistakes caused by the false lender paid insurance premium, related late fees and treated my on time mortgage payments as partial payment instead of full payment.
Product: Credit reporting

I have written directly to each of the credit-reporting agencies multiple times since XXXX XXXX when I realized there were problems with items they were reporting. All answered me but did not remove the inaccurate items and my credit score has been dramatically decreased ... from over XXXX to now under XXXX despite only XXXX even possible negative item which I have disputed with the company to no avail. 

*I have never had a bankruptcy or foreclosure. 
*I have no personal or business loans at all - no car loan, no student loan. 
*I have approximately {$31000.00} balance on a mortgage that has never missed a payment in 25+ years. 
*Of the credit that I have actively available, I use well XXXX, more like XXXX % in revolving credit on XXXX credit cards ( XXXX XXXX , XXXX XXXX ) that is paid every month without fail. 

**There was an XXXX XXXX dispute that was resolved in my favor, which the credit bureaus are aware of, but somehow the " delinquency '' continues - is that right, even when the balance is XXXX? 
**There was a XXXX dispute from XX/XX/XXXX or XX/XX/XXXX where I tried to return a faulty cell phone and XXXX would neither allow me to return it for a new one or fix the problem. So I cancelled the service. Only XX/XX/XXXX did that show up as a " collection '' item. 
**There is an XXXX XXXX item listed as delinquent on an old savings account that never had any credit associated with it. It dates from XX/XX/XXXX, it never existed, the XXXX branch is long gone from my neighborhood and yet they refuse to remove it. 

How can I have a credit score under XXXX based on XXXX " possible '' but strongly disputed problem valued at {$300.00}? Previously XXXX wanted {$900.00} - it feels like I am being held hostage to some outrageous unknown extortionist.
Product: Credit reporting or other personal consumer reports

In my Transunion credit report I have identity theft and 4 fraudulent inquiries 1. XXXXXXXX XXXX XXXX XXXX  ( Finance ) from XX/XX/ 2. XXXX XXXX XXXX XXXX ( Auto ) from XX/XX/ 3. XXXX ( Bank ) from XXXX XXXX XXXX 4. XXXX XXXX ( Bank ) from XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are 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 account below : XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents as well as previous statement provided : In the process of refinancing my home, it was brought to my attention by a title company handling my loan, that a lien was placed against my home on XX/XX/XXXX. 

My solar equipment was purchased, not leased, in XXXX of XXXX. Mosaic Solar Acct # XXXX # XXXX. I have made timely payments through auto pay monthly. 

I have refinanced my home twice since purchasing my solar equipment in XXXX and have never had an issue with my home title. It was brought to my attention through this current refinance, that a new lien was placed on my home for the solar in XX/XX/XXXX. They never notified me by mail, e-mail or phone call that a change in my home title was taking place. 

They notified the title company that lien subordination was required to lift the lien so that I would be able to refi. And they also indicated that they required a {$250.00} fee to lift the lien and re-subordinate. 

On XX/XX/XXXX, I asked my lender to place a 3 way call with Mosaic. They indicated that they did not provide me with any communication in XX/XX/XXXX and this was their error. I asked them release the lien on my property and waive any fees so that I would be able to refinance my home and incur any charges for a lien that should have never been placed on my home. 

I have attached the e-mail sent by the title company indicating the {$250.00} charges owed to Mosaic for the subordination as well as the e-mail from XX/XX/XXXX from the phone call placed to their offices. 

Its my desire to quickly close my refinance to preserve the low interest rate that I have locked in for my home. This has caused a time delay and an excessive fee of {$250.00} that possibly other customers have paid erroneously when owning their solar equipment and never receiving lien notification. 

Thank you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a consumer loan for a medical procedure that ended up being a predatory loan. The interest that is added to the loan payments every month is significantly more than the principal, and after being injured at work, I requested a deferment until I return to work. I have never made any late payments in the past ( I had to take a 60 day deferment in early XXXX  due to XXXX ). I informed them that I am in a cast and can not work with one arm, and would need 2-3 months to recover before going back to work. I have no income. Not only did they deny me, but they call me every day to demand money that I do not have. My monthly payments are {$570.00}, of which only {$260.00} goes to principal. I paid {$300.00} the last 2 months and wrote on the checks that I needed the payments to go towards the principal for those months. They refused and have me marked as 60 days late. So they are taking my money without even applying one penny towards the monthly payments when the principal for each month is LESS than what I sent them. I would think that their priority is to create an optimal environment for payment instead of trying to bully me into squeezing blood from a stone. this doesn't feel legal that although I made 2 payments to keep my credit in tact, they did not apply them to my monthly payments at all. This is not only unreasonable, but cruel. They seem to prefer their customers go into bankruptcy instead of working with them to preserve their ability to pay their debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am having some problems with inaccurate information that has been on my report for several years I have attached a copy on my ID for the correct spelling of my name. Please remove any and all variations of my name and misspelling. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have never had these numbers at all please delete these cellphone numbers that do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I sent out letters to XXXX Transunion and XXXX in reference to items on my credit report. I received letters from XXXX and Transunion blatantly refusing to do an investigation citing it wasn't me who submited the documents although I uploaded my ID my ssn card and a bill to verify ny identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent these documents to these agencies and all inaccuracies and they are violating my rights please address these in accurate information on my consumer report, Experian and XXXX should and need help accountable for furnishing inaccurate information.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents, so I may review to see if this is actually an account that belongs to me. I verify they received by certified mail my request on XX/XX/year>.
Product: Checking or savings account

On XX/XX/XXXX And XXXX a transaction for {$340.00} was debited from my account and put on hold. I was given no notice as to what this was or when it would clear I contacted them that day and they told me the funds would be released on XX/XX/XXXX and sent me an email, there was not a transaction that went through or was declined. However, my money has been on hold for more than 22 days and they are refusing to give me my money back not having this money has caused me financial harm and kept me from paying bills and accruing overdraft fees over {$170.00}, the bank is branch bank out of Minnesota. The email they sent me on XX/XX/XXXX states that my funds were released. As shown in the screenshot they were not actually released as of yet a months and a day later.
Product: Debt collection

FIRSTPOINT COLL RESOURCES {$180.00} FIRSTPOINT COLL RESOURCES {$84.00} Apparently this is a collection agency trying to collect a debt that I have no knowledge of
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 correct : XXXX XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$17000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  XXXX {$18000.00}.
Product: Prepaid card

I received a {$50.00} American Express gift card as a gift. I have tried numerous times to use it at multiple retailers ( XXXX, XXXX, XXXX XXXX ), but it has been declined. I confirmed on the Amexgiftcard.com/balance website and there is a balance. 

Additionally, every time I tried to use the card, each retailer took XXXX cents off the balance while still declining my ability to use it. 


XX/XX/year> @ XXXX - XXXX XXXX- declined XX/XX/year> @ XXXX - XXXX- XXXX XX/XX/year> @ XXXX - XXXX- declined XX/XX/year> @ XXXX - XXXX- declined
Product: Checking or savings account

So the day of XXXX XXXX,2017 I went to withdraw a somewhat big amount but was denied and the lady behind the counter told me was blocked and probably said it could be because you made a small purchase at. Such place then a big might still be processing and they 'd think that 's sketchy and I thought that was all bad so she gave me a number where tocall and I did got told that it will be closed did n't say a reason and told me I could withdraw my balance yet o went back to the branch and was told no I could not and they too called for it and I was like well I spoke to one she said I could withdraw he said no until it 's reviewed then it 'll be assign to someone and you can then call and see what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However. I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported items ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting. timeliness of claim, timeliness of reporting. ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards. demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer.

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claims ) and/or debts ).

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly! please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported items ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, the account was paid off and closed with XXXX XXXX. All three credit reports state the account is still open with a balance of XXXX. I have filed a dispute with XXXX, Transunion, and XXXX. The pay off amount was paid in the amount XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX dispute letters I have been sending to the Credit Bureaus, they have failed to removet the disputed inquiries compeltely from my Credit Report and continued their reporting without proving that the inquiries beling under my name. The last leteters I have sent to them was XX/XX/XXXX with complete attachments of my personal information. Under the FCRA, I have been requqesting that the Credit Bureaus take a look to my Credit File and confirm the validity of the disputed Inquiries and send me proof of their verification and yet they have to do so! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I am planning to pursue legal action and pursue the Credit Bureaus for their willful non-compliance with the4 FCRA regulation. The Credit Bureaus must remove the disputed inquiries as soon as possible : XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting inaccurate 30 day late notice on my credit report from XXXX XXXX XXXX on account XXXX for the month of XX/XX/2020. As factual proof I have provided to TransUnion my XXXX XX/XX/XXXXstatement for the month of XX/XX/2020 showing payment being made on time for the month of XX/XX/2020 via automatic payment from my XXXX XXXXXX/XX/XXXXChecking account. Additionally the statement for the month of XX/XX/2020 shows multiple payment being made to XXXX XXXX XXXX from my XXXX XXXX Checking account via automatic payment. After I have provided factual documentation as proof of my payment for the month of XX/XX/2020 TransUnion refused to remove this inaccurate information from my credit report is defamation of character and willful injury under section 623 of the FCRA.
Product: Credit reporting or other personal consumer reports

Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a CC with Citibank that I paid out completely XX/XX/2020, and it still showing I never made any payments and late payments accruing. I have all the documentation, but will not let me upload docs during dispute. Please advise.