23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have called Best Buy XXXX XXXX many times about fraud activities on my credit card. The dates are as follows : XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX, XXXX I have also sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX. 

All of this time I was trying to communicate that fraudulent activity was happening on this credit card. In most of these phone calls I was told that I would receive a letter in the mail in 7 to 10 days with an account number so that I can pay owe. I have received one letter, dated XX/XX/XXXX, requesting that I make a payment but the letter did not include an account number or the amount to be paid. I have received two phone calls, on XX/XX/XXXX and XX/XX/XXXX requesting that I make a payment still lacking information on the amount or account. 
In XXXX I reported to Credit Bureau that there was a XXXX XXXX with one of my credit cards. XXXX notified me that they would notified the other companies. I am distressed that you have given these companies wrong information about me plus you now have a collection agency coming after me for not paying my debt and now my credit score has dropped approximately XXXX points. 
I have a problem in that there are three account numbers requesting that I make a payment. I do not which account is mine ; therefore, I have not made a payment because I do not know if it is going to my bill. In communication with our representative that I would receive a bill in the mail and I was to call customer service and the late fee and interest fee would be waved. While waiting for this information, the company has reported me to a collection agency. They will not remove the information from credit report. 
I have asked the company to remove the false information from credit report that I am 30 days late in paying this bill since the company has not sent me any information required to pay this bill?
Product: Credit card

I opened a Destiny Mastercard, and have been making payments on time. Each and every time I make a payment the company puts the payment on a 14 day hold without any explanation and or notification. I asked the supervisor for the reason why and she said that she did not know.
Product: Credit reporting or other personal consumer reports

Cease and Desist Hand delivered on XX/XX/XXXX ( Video Proof ) Affidavit of Truth Recorded on, XX/XX/XXXX Affidavit of Mortgage/Bank and/or Deed Fraud, Recorded on XX/XX/XXXX Affidavit of Official Cancellation Discharge Note-Draft Recorded on XX/XX/XXXX Follow Up Notice recorded on XX/XX/XXXX Notice of Rescission Notarized and Faxed on XX/XX/XXXX Violation Warning : Denial of Rights Under XXXX of Law Delivered by Registered Mail # XXXX Delivered on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in active communication with Experian credit reporting agency in regards to multiple identity theft items that are appearing on my personal credit report. 

I have provided Identity Theft Letter from the FTC website along with a police report to verify that my identity was stolen. 

Just as I begin to make progress with reaching a resolution, yet another item is fraudulently placed onto my personal credit report that does not belong to me. 

So it seems as if items are just being randomly being placed onto my personal credit report without even being verified. 

Recently I noticed another item being placed onto my personal credit report that does not belong to me, it does not identify what it, I know that it does not belong to me.
Product: Mortgage

BEWARE CITIBANK! Three days before the loan closing I learned that Citibank had increased the interest rate on my refi loan without my knowledge or consent. The XXXX Loan Application, the Truth in Lending Disclosure Statement, Citibank 's letter locking in the rate, the Good Faith Estimate and many discussions and notes based on discussions with the loan officer specified 3.75 %. When the closing department phoned three days before it was to close, I learned that it had been increased to 3.875 %. My personal financial circumstances required me to go through with the loan. I am a single XXXX-year old homeowner woman. I doubt they expected me to know the cost of that very slight increase in interest rate would cost me over almost {$8000.00} over the 30 year loan period.
Product: Payday loan, title loan, or personal loan

I purchased a bed from XXXX  using Klarna on a 12 month plan. I set up autopay and correctly added my debit card. On XX/XX/XXXX, when I had over {$1800.00} in the account, their system failed in withdrawing the funds. The error was on their end, not mine. As soon as I realized what happened, on XX/XX/XXXX I contacted customer support and was guided in turning off autopay and setting up direct payments to them through my bank. I set up for {$75.00} to be paid every month automatically from my bank. My first payment on XX/XX/XXXX was applied correctly, but my XX/XX/XXXX payment was accepted, but instead applied to the principal ( it applied to the XX/XX/2022 payment ) instead of the XX/XX/XXXX payment due. Then they sent me emails that this payment was not received. Then they sent a letter stating they would report me to credit bureaus. I contacted them through chat several times, it was escalated, and transferred to email, which went back and forth over 5 times, and I have called the customer service number twice. They have acknowledged the mistake but have failed to correctly apply my payments. After all of this, my {$75.00} payment they received on XX/XX/XXXX was again incorrectly applied to the principal ( Now XX/XX/2022 ) instead of the the next payment due. And again, after confirming they received the payment, they are now, again, telling me I missed it, and again sent me a letter saying they will report me. I have the funds. I am making a good faith effort to pay this off, and am even paying more than the amount due so I can pay it off sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for a closed account with a high credit amount of {$250.00}, opened on XX/XX/XXXX being reported by XXXX XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Missouri Higher Educ Loan Auth addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Missouri Higher Educ Loan Auth has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Checking or savings account

Here are the facts : I am filing this on behalf of my brother. I am his sister and he was seriously ill and near death last XX/XX/XXXX-XX/XX/XXXX. I traveled back to see him in XX/XX/XXXX as he was recovering. He is on XXXX and receives limited funds. In order to assist him with his finances, I made arrangements to be added as a " Payee ' '' on his checking account through Power of Attorney. He has an account with Citizens Bank. 

When I returned home, I logged into his account and I noticed extensive amounts of monies being drawn out of his account each month for various calls which appear to be fraudulent conference call charges from various companies ( including XXXX   charges ). He was not familiar with these charges and said he never incurred them. 

I contacted Citizens Bank about the fraudulent charges and have been calling their Customer Service and Claims Departments for the past 2-4 weeks. They advised me that these charges began in XX/XX/XXXX ( without my brother 's knowledge ), but he was never notified by the Bank of these charges. He informed me ( and the Bank ) that he was never aware of them. The people in the Claims Department have filed 4 different claims to date in order to reimburse him for these fraudulent charges. In addition, they have issued 3 different new Debit Cards to him since XX/XX/XXXX and the fraudulent phone charges have continued. The Bank advised me that the conference call charges began in XX/XX/XXXX but they will only reimburse him back to XX/XX/XXXX. I have had to contact them everyday to alert them of the new charges and file a new Claim everyday for the bogus charges. The Bank informed me that this is how I must handle all new charges that appear each day. When I requested that they put a STOP on these charges, they informed me that they had no way to do that.

I am at my wit 's end as to finding a reolution to this problem and have run out of ideas. Since my brother receives limited income, this is a serious problem for him. The Bank doesn't seem to be capable of assisting me or my brother to resolve or stop these fraudulent charges. One of the claims representatives seemed to think that the charges were generated from a dating website but so far, Citizen 's has not been able confirm or identify where the charges are coming from. I am seeking your assistance in this matter.
Product: Debt collection

XX/XX/2019 the amount of {$960.00}, I have dispute this many times using XXXX, that this was a credit card fraud. Its showing in my credit that the account information disputed by consumer, meets FCRA requirements. Its already been 1 year and 11 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX XXXX XXXX
Product: Debt collection

Previous complaint : XXXX 90 days have passed, The company has not replied. I provided feedback after 58days to CFPB of companies negligence. 
This account needs to be removed.
Product: Credit reporting or other personal consumer reports

Transunion didnt updated my XXXX XXXX I received email with XXXX XXXX XXXXXXXX XXXX XXXX from transunion on XXXX XXXX Latest update XX/XX/year> XXXX
Product: Credit card

My account was closed with Barkley Credit Card on XX/XX/XXXX. On XX/XX/XXXX they reported to the CRA that they charged off my account. On XX/XX/XXXX through the present month, they have reported to the CRA that have charged the account and can not furnish any documentation to prove the report. Therefore, this reported information is not correct because once an account is closed, it can only be charged off once.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was restricted from XXXX a driving platform due to a pending felony that appeared on my background check. I am unaware of such a matter and this issue has effected me financially causing me to lose my apartment and car.
Product: Debt collection

Dear [ Capital One ], I am writing to formally request the charge-off for the above-referenced account in accordance with the applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, in relation to the account I hold with your company. 
This account, originally opened on [ XXXX  ], has an outstanding balance of $ [ XXXX ]. I acknowledge that the account was not paid in full as agreed ; however, I am requesting that your company officially report the account as " charged off '' to the credit reporting agencies, as is your legal right under 26 U.S.C. 166. The charge-off will provide an accurate and timely reflection of the account 's status on my credit file.

In accordance with the guidelines established by the Internal Revenue Service, I would also like to request the issuance of a 1099-C form, per 26 U.S.C. 6050P, to report the forgiven debt as income if it qualifies under the applicable threshold.

I understand that once an account is charged off, it remains on my credit report for up to seven years from the original delinquency date, as outlined in the Fair Credit Reporting Act ( FCRA ). As such, I respectfully ask for the account to be updated to reflect its correct status and for further collection activity to cease, in alignment with FDCPA guidelines.

Please provide written confirmation once the charge-off has been processed or if any further documentation or action is required from my end.

Thank you for your attention to this matter. I look forward to your prompt response and resolution to this issue. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of XXXX records. The breach violates the contract and renders it null and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

his is XXXX XXXX complaining about your failure to respond to my request to provide MOV, I sent it on XX/XX/2022 and it has been already over 30 days but I still haven't received any response from you. This matter to me and I am prepared to take legal action if that's what it takes for you to take this matter seriously.
Product: Mortgage

XXXX XXXX  incorrectly calculated my impound account required contributions then sold my mortgage to ShellPoint. During the transfer, ShellPoint entered the wrong SSN in their records for my account. ShellPoint also sent the notice and customer welcome package to the wrong address. 
I asked XXXX XXXX  where to send payments, they started they sold my mortgage to ShellPoint. But XXXX didn't have my new account number nor the information to send payments. 
I was able to find a website with Shell Point 's contact information. When I called, the automated attendant required my loan number and social to proceed. After several attempts, I was able to talk to a person, who refused to help, since my SSN didn't match their records. After several more attempts I was able to speak with a supervisior who gave me my loan number, payment, and payment address after I verified my identity via alternative means. They were able to fix my mailing address on my load record, wouldn't fix my SSN. They gave me a fax number to send my identity documents, which turned out to not be a valid number. 
I called back, they have another number, I have faxed Shell Point several times over a the past four months with no response. 
In addition, I am still making nearly double the payment I should be, since the impound issue hasn't resolved. 
My payments should be closer to {$1800.00} per month, but I've been billed approximately {$3500.00} a month by ShellPoint.

I feel ShellPoint is trying to steal my home by making nearly impossible to make payments by inflating my payments and making difficult to contact them and resolve their poor record keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incident happened from first time 26 years ago when Experian credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including Experian, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime Experian report a late payment on consumer is a violation of {$1000.00} under 15 u.s.c section 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one violated my rights.

An accordance with fair credit reporting act capital one has violated my rights, U.S.C 1681 section 602 A, states i have the right to privacy.

U.S.C 1681 section 604 section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any payments.
Product: Debt collection

Debt buyer has violated the Fair Credit Reporting Act ( FCRA ) by attempting to collect an alleged debt when the company Calvary stated around XX/XX/2020 that they would cease and desist all attempts to collect the alleged debt. The debt buyer has refused to be removed from my credit reports and has violated my privacy, defamation of character, and assuming that the debt was not disputed within 30 days makes the debt valid. This is not true and violates both the Fair Debt Collection Practicing Act ( FDCPA ) and ( FCRA ). The debt collector must remove themselves from all three credit reports that is XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies of XXXX, XXXX, and TransUnion continue to report an account that is not mine. 

I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX XXXX. I did not open or authorize this account. I have requested the information be removed by the bank and the credit reporting agencies, but that has not happened yet. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Provided in this complain and attached is proof of my identification, the specific information that is the result of the theft ( XXXX XXXX XXXXXXXX credit account ending in XXXX, and the FTC documentation, as well as a letter from the bank with their findings that it's fraud and instructions to the credit agencies to remove the wrong information. 

There is a federal legal requirement that you remove this false information.
Product: Credit reporting or other personal consumer reports

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies within consumer files. 
Please re-investigate the below accounts validity within my consumer report that you maintain under my name. Please update these accounts to reflect complete and verified information. There are late payments that are erroneous and not matching up. I was never late for these payments, Please delete this inaccurate account if it can not be made complete and verified. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX These Laws Clearly state : Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Standards established in the credit industry help ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be DELETED IMMEDIATELY OR UPDATED TO PAID ON TIME NEVER LATE, AS I WAS NEVER LATE FOR THIS ACCOUNT. Failure to do so may constitute willful non-compliance in this matter.

I have experienced great emotional and financial hardship over these illegitimate late payments as it has inhibited my opportunity to refinance one of my mortgages amongst other things.

Please complete this erroneous, inaccurate information on my credit report to PAID ON TIME NEVER LATE OR DELETE within 30 days of your receipt of this notice of dispute if this information can not be verified through your thoughtful and fair re-investigation. Please send me your results and update my consumer report accordingly. 

Thank you for your rapid response in this very important matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}
Product: Debt collection

I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.