23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reviewed my XXXX mortgage statement, and I noticed a default interest charge for {$920.00}. I called the Shellpoint Mortgage A Division of Newrez service line, and no one could explain to me why I was being charged default interest. I reviewed my mortgage statements and I found that I have been charged default interest for months. This is the list of charges. 

XX/XX/XXXX {$130.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$570.00} XX/XX/XXXX {$750.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$2600.00} Total {$5800.00} The following is the definition of default interest. Default interest is a higher rate which is payable if a party to an agreement fails to fulfil an obligation to the other party. Also, default interest rates are the additional fees charged by lenders to borrowers who fail to make timely payments on their loans. I have never missed a payment on this loan. I have never been late with a monthly payment. I always pay on time. In fact, I have paid {$230000.00} in principal over the past 64 months far more that than what was scheduled. So, I have paid my loan on time and I have paid {$170000.00} + in additional principal. I am more than meeting my obligation. 

Thank you
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I have created a ticketed over a month ago on a ETH transfer from Binance ( their parent company ) to BinancueUS. Upon scanning the QR Code via mobile for the ETH transfer it coded the memo section wrong on 2 separate transactions. This lead to the crytpo transfer to stay in limbo. Upon their support page on BinanceUS it states that for a fee it will be resolved, however its been over a month with zero resolution or contact back from initial support ticket. The two claims are over XXXX in total I need assistance and have not got back from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian by phone after obtaining a copy of a consumer report they furnished without my written consent containing confidential information that they have shared with other persons. Pursuant to FCRA 15 USC 1681 ( b ) ( a ) ( 2 ) it is a federal violation for a consumer reporting agency to furnish a consumer report without written instructions of the consumer to whom it relates. I never gave Experian any written instructions to furnish a consumer report listing my confidential information. My rights have been infringed upon with unfair treatment as in accordance with 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ) these reportings impair my confidence as a consumer as banking systems are relying on fair and accurate credit reportings. I have not been able to obtain various forms of credit as a result of the lack and inaccurate reportings of my reputation, character, credit standing, credit capacity, and credit worthiness on behalf of Experian. Experian took the effort to update my current address after I asked them to remove all fraudulent information, but all other improper use of my credit and confidential information is still evident through the consumer report they have with my information on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : Creditors have entered my name incorrectly when requesting my credit report. Regardless, there are addresses that should not appear in my credit file.
Product: Checking or savings account

On XX/XX/2021 {$5000.00} was removed from my account by an unknown person. I had noticed a few days later that someone hacked into my online banking and changed my contact information. I immediately changed everything back and changed my password, then noticed the bank and was given the phone number for the Fifth Third Dispute Department. I filed a claim and was denied being told that I was the one who put the money into a XXXX XXXX account. I explained the situation and the bank is continuing to say I did this after four disputes. I have been fighting to get my money back for almost 7 months now. I have been told that my identity was verified by a text message but I can not get the phone number that was used. I have tried getting a number for the investigator from the bank and I was told that I can not speak to said person. I have also called XXXX XXXX and they do not have me in their system. I am a student paying for classes out of pocket and the money that was stolen was to pay for my classes. I dont know what else to do at this point. No one will help me.
Product: Student loan

In the summer of XXXX, I was diagnosed with XXXX. I called Sallie Mae to see if they had a program for people in my situation, who could not afford to pay their monthly bills, due to XXXX and XXXX. I was XXXX and working full-time was not possible. 

They were non-compliant, by being deceitful. Stating the only thing they could do for me was put me on deferment. I agreed to the deferment. Which, unbeknownst to me at the time of the agreement, increased my interest rate to 11 %. 

In XXXX of XXXX, I learned from Sallie Mae that there is a XXXX program that I was eligible to have applied for previously, but that no longer applies because I am XXXX-free.
Product: Student loan

My loans are being reported as late, I have never been late due to in school deferment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have made several payments to my mortgage that have not been credited to my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for Security Credit Services on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, SECURITY CREDIT SERVICES , LLC can not sue you for it. If you do not pay the debt, SECURITY CREDIT SERVICES , LLC may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. XXXX XXXX XXXX XXXX XXXX XXXX can not sue you on this debt and XXXX XXXX XXXX XXXX XXXX XXXX can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
Product: Credit reporting or other personal consumer reports

THERE ARE STILL THESE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. WITH THAT IN MIND, PLEASE CHECK THE DOCUMENTS I'VE INCLUDED IN REGARDS TO THIS MATTER
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen in XXXX, 2021. I discovered it was used to open fraudulent credit accounts in my name; reported them to the credit companies within XXXX days of them appearing on my credit reports and alerts ; and placed security alerts and freezes on my reports with all three bureaus. In XXXX, XXXX XXXX reported a delinquent account in my name opened in XXXX to Transunion. I immediately disputed the account with Transunion and called XXXX to ask how they issued credit in my name despite the security alerts and freezes on my accounts. The customer service agent at XXXX told me they do not do credit checks for people who open accounts in store. They also told me that while my name and social security number matched, the person used a different address and phone number. They refused to close the account without a police report and refused to tell me the location of the business where the credit was issued so I could file a police report. I then updated my affidavit on the FTC identity theft website, mailed them a copy and a dispute letter and have a signature confirming they received both. XXXX refused to comply with Transunion 's investigation, and Transunion did not remove the account from my report despite admitting that the rest of my credit history is exceptional. Transunion also said the only way the fraudulent account would be removed from my report is if the creditor complied with their investigation.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX, Equifax and XXXX are showing charge-offs on my account. The debt has been charged off by the original creditors which means that the debt has been paid and is considered income. I called numerous times and asked for my account to be updated because according to the IRS XXXX Internal Revenue Service ) Article, a charge-off is considered a certificate of indebtedness which means it is treated as income and income can't be reported on a consumer report and has to be removed off my credit report.
Product: Credit reporting or other personal consumer reports

THIS IS MY XXXX TIME SUBMITTING THIS. I AM NOT LOOKING FOR THE ACCOUNTS TO BE UPDATED. I AM ASKING FOR THEM TO BE DELETED ACCORDING TO THE FOLLOWING LAWS. ( 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 an account without my written instructions .THEY DO NOT HAVE MY WRITTEN CONSENT! ) PLEASE STOP UPDATING THESE ACCOUNTS AND DELETE THEM. THANK YOU. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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 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 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 an account without my written instructions .THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

On XX/XX/year>, I called Smith Debnam Narron Drake Saintsing and Myers, LLP regarding a letter they sent for a debt their Client XXXX XXXX XXXX XXXX indicated I owed. When speaking with the representative on a recorded line, I first attempted to determine a payment arrangement. In response, the representative advised I could pay the debt off over a three ( 3 ) month period ( totaling {$1700.00} or so per month ). I advised that I could not afford that and inquired further and was told I could stretch it out over a year but in order to do that payment arrangement I must sign a document ( confession of judgment ) admitting to owing the debt, waiving any rights I XXXX have, and agree to have this filed in with the court. The representative then advised that after I sign this document and allowed them to file it in Court as a judgment, I could then begin repayment arrangements. This seemed deceptive as we began talking about possible payment arrangements, but the representative switched and told me oh yeah if you want to do this payment arrange, you can only do so by giving up your rights. I did not agree to this because I quickly understood I would be giving up all my rights to which the representative confirmed I would no longer have any defenses against the debt, but I could then begin repayment. I then stated I would never waive my rights and I indicated to the representative that the debt has been paid to the original creditor anyway, so I do not owe. In response, the representative confirmed that but then said that their client, XXXX XXXX XXXX XXXX XXXX has not been paid. I responded with " I am not sure your Client has the right to collect on the debt. '' The representative then responded that I could call XXXX and obtain that information if I wanted. I responded that I am not required to do that but he is. 
I am not certain if the representatives at this law firm collecting on debt are monitored or trained but their debt collection practices are deceptive and they need training. Further, there is no reason the only way you can have anywhere near affordable payments requires you to agree to have a judgment entered in against you giving up all of your rights. I want proof that their Client has the right to collect on the debt. Specifically, the contract, the purchase amount and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.
Product: Credit card or prepaid card

On several occasions I have  notified Chase of unauthorized inquiries on my credit reports, but they continue to obtain my credit reports without my permission. I have not requested a card from them, but every couple of months I am notified of a  UNAUTHORIZED hard inquiry from my credit monitor. I do not have a card with this company and I want th em to stop requesting my credit reports without my permission. This ongoing action keeps lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my authorization.

US SM BUS ADMIN ODA - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX  XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Some one used my credit information and applied at companies which resulted with multiple inquires on my credit report that shouldn't be there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have excellent credit.You would never know it with the credit rating I was given which I felt was XXXX. 
2. My ex husbands debt was on my report when it was court ordered to be removed. This was for a co-sign that took place back in 1989. I had no ideal what my ex was using this loan for. The payment on that debt as far as I know is up to date. 
3. Experian left off the fact I had a sufficient debt in my name paid in full for siding with XXXX XXXX. This is part of XXXX XXXX. They did an excellent job.I would recommend them to anyone. 
4. I gave a list of existing businesses that have been paid in full that apparently was not on my credit report.This is included house repairs that were paid in full. 
5. The continual delay in refusing to have my score where is should be at 110 % is causing unnecessary stress, as well as insult to injury. It is also causing a delay in a purchase that should have happened a month ago. 
6. I have never been late on any payment for anything. My family as well as dear friends do not appreciate the continual delays that is seriously causing harm .It feels like credit scores are just another way for folks to be ripped off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This account isnt mine and I need it removed XXXX XXXX  acct number XXXX  
XXXX XXXX XXXX XXXX XXXX 
Im asking for this tons removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined credit from XXXX XXXX for erroneous reasons. My credit score is high and I have no credit problems. After receiving a denial letter I tried to get a copy of my credit report and was put in circles by Equifax to receive a copy of my credit report. 

It seems this system was designed to create a problem so the consumer would go away. 

This is unfair and the only recourse we as consumers have is you. PLEASE institute programs that provide EASY access for consumers. These credit companies are NOT consumer oriented and that needs to change PLEASE protect the consumer
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Inquiry on My Credit Report Dear Transunion I am writing to dispute an unauthorized inquiry that appears on my credit report. The inquiry in question is as follows 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 Please note that I have not engaged in any recent credit applications or transactions with the aforementioned company, nor have I granted them permission to access my credit information. 
I request that you promptly investigate this matter and remove the unauthorized inquiry from my credit report in accordance with the Fair Credit Reporting Act. Additionally, please provide me with a written explanation of the results of your investigation. 
I understand that you are required to complete your investigation within 30 days. PLEASE REMOVE HIS INQURIES IMMIDIATELY. I AM ALSO GOING TO REACH OUT TO THE ATTRONEY GENERAL OFFICE. PLEASE ADHERE TO CONSUMER LAW OR I WILL HAVE TO SUE YOU. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ruined my credit I was given a XXXX XXXX card by XXXX  XXXX by error. I supposed to get a XXXX Card not a XXXX  XXXX. The one they gave me had interest. The one that I was supposed to get had 0 interest for 15 months and gave you {$200.00} after you spend {$500.00} in 3 months. When I noticed the interest that they charged me, I reached out to XXXX XXXX and they said no problem they would fix it. I got disconnected and called back and then was told they would not. Now that I have put in my complaint, they have credited the interest and I cancelled the card and they told me to reapply for the card that I wanted from the beginning. 



It turns out that the XXXX XXXX card that I had closed several months ago with a XXXX balance had incurred interest after I closed the account. I spoke to a very nice lady at XXXX XXXX who said I'm sorry let me reverse the interest and I will send a letter to the credit bureaus and I will send you a letter saying that the account is a XXXX balance. In the mean time XXXX XXXX has turned me down because of the derogatory credit from the XXXX XXXX card that they neglected to tell me about neither by email or with a phone call. My XXXX credit score turned into a XXXX score and XXXX turned me down for the card that I was originally supposed to receive. 






Sincerely, XXXX XXXX
Product: Debt collection

I do not owe this debt! Company is portfolio recovery! I didnt recieve a letter or note for this debt! Remove immediately
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I experienced a financial crisis in which I had a payment due with XXXX XXXX. I called and spoke to a representative and explained my situation to them. She stated on the phone that she was so sorry what happened and asked me when can I make a payment and how much will I be able to pay? I told her that I can make a payment on XX/XX/XXXX in the amount of {$100.00}. She said no problem. Indeed I did make the payment of {$100.00} on that date. When I checked my credit report it stated that XXXX XXXX gave me a bad credit rating and also placed a wrong amount due to them on my credit report. My credit report states that I owe them {$210.00} and this amount is incorrect. This lowered my credit score for all three credit bureaus and I was not in no delinquent status with them.