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

I have contacted the credit report agency 6 times, the last three letters that are attached to delete these two inquiries coming from the company on the same day. One inquiry says, " soft inquiry '' and the other one says, " hard inquiry ''. First, I never applied for credit with these people, and second, I don't know who they are. I demand that they provide me with verification that I personally applied for credit with them. This needs to be deleted. And last, they have not corrected my last name, as I send a copy of my CD ID each time. lt is XXXX XXXX and NOT XXXX XXXX XXXX. Please correct immediately.
Product: Credit reporting or other personal consumer reports

This is your final opportunity to process my identity theft request appropriately. Failure to do so will compel me to seek a legal remedy in a courtroom where you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured as a result of this issue. I am confident that the material facts will become glaringly evident, and you will be held responsible for your negligence. Should you persist in denying my position, I want to make it ABUNDANTLY CLEAR THAT I AM PREPARED TO ENGAGE LEGAL COUNSEL to pursue a legal remedy. I insist that my identity theft claim be processed meticulously, in strict adherence to the letter of the law. To substantiate the gravity of my identity theft claim, I am providing you with a comprehensive law enforcement agency report, which has been duly filed with a federal agency. It is imperative that we expedite the resolution of this matter within the legally mandated 5-day timeframe. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Mortgage

Shellpoint bought my mortgage from XXXX XXXX last XXXX. I provided them with a Declaration of Insurance from XXXX and they had {$4600.00} in insurance escrow to renew the policy which was up in 30 days for renewal. They failed to renew the policy. Never notified me about it. In XX/XX/XXXX Shellpoint had " notified me '' via mail which I never got that they were going to buy new hazard insurance. I never got information on the company, the coverage etc ... 
Fast forward to XX/XX/2019 my monthly payment went from XXXX to {$1100.00} without my permission or knowledge. 
Contacted the company and they have had NO ANWSERS but somebody will get back to me.
Product: Credit reporting or other personal consumer reports

I have some inquires on my credit report I did not authorize. They should be considered fraud and removed. 

These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

In XX/XX/year>, I sent a payment via Cash App to an individual based on an arrangement that was not fulfilled. Due to my XXXX XXXX  challenges at the time, I attempted to reverse the transaction, believing it was unjust. I reached out to Cash App for assistance in reversing the payment and may have stated that I didnt recognize the transaction or sent it to the wrong person. 

Instead of receiving support, my Cash App account was deactivated, with the company stating I violated their Terms of Service. Despite multiple attempts to clarify what specific activity violated their policies and to explain my situation, I have not received sufficient information or assistance from Cash App. This deactivation has made it impossible for me to access my account and resolve the situation. 

I feel that Cash Apps response did not consider my XXXX XXXX circumstances and was excessively punitive. I am seeking reinstatement of my account and assistance in resolving the transaction.
Product: Debt collection

Diversified has input an account onto my credit file that I am unaware of. I have never had any debt for the amount of {$1800.00} nor have I ever even heard of Diversified Consultants up until now. Diversified has never contacted to inform me of this alleged debt or to give me the right of disputing the validity of this alleged account. I am a victim of identity theft and this account is a direct result of identity theft. I have never had any dealings with Diversified or any company that they represent. I have never had a contract or obligations that would suggest that I owe Diverisied any monies.
Product: Credit card

Pulled my report, and under my account section, ALLY/OLLO reported inaccurate information consistently despite failed attempts to correct it in the prior year.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive company.
Product: Debt collection

I called more than 20 times explained this report is a fraud I never owned money to this company but the didnt listen
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.
Product: Checking or savings account

On XX/XX/2021 at XXXX I arrived at the Bank of America atm , XXXX XXXX XXXX XXXX , Ga location. I was depositing {$1100.00} in cash. Upon putting all of my money in this machine the screen then sent a message stating that an error had occurred and that my cash would not be refunded back to me. I immediately took pictures of the machine once I realized my money would not be returned to me. A receipt printed out stating that only {$300.00} would be deposited into my account. I waited a few minutes to see if anything would change and proceeded to call Bank of Americas customer service line where I put in a claim and an associate temporarily gave me a credit of {$820.00}. The week of XX/XX/XXXX, I received a letter stating that my case had been resolved and that the {$820.00} that was owed to me would be taken out of my account. I spoke with another BOA representative where I was told they were unable to locate the missing funds and would continue to investigate. On XX/XX/XXXX, I then looked at my online account and noticed a withdrawal was made by the bank in the amount of {$300.00}, the {$300.00} that was on the receipt from XX/XX/XXXX due to them not being able to allocate the funds, after doing an internal audit. After speaking with a claims manager for BOA he stated that there was nothing he can do because even though I was at the bank there was no way of proving that I had deposited any money even with my receipt of {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Investigation of Equifax for Ignoring Dispute of Inaccurate Identification Information and Delayed Credit Report Dear Sir/Madam , I am writing to file a complaint against Equifax for its failure to address my dispute of inaccurate identification information on my Consumer file and for its failure to send my credit reports in a timely fashion. Furthermore, Equifax has rejected my appropriate identification documents even though I provided all necessary proof of identity as defined in 1022.123 of the Fair Credit Reporting Act. As a consumer, I have the right to ensure the accuracy of my credit reports and protect myself from identity theft. However, Equifax has ignored my concerns and violated my rights. 
On XX/XX/2022, I sent a dispute of inaccurate identification information on my Consumer file with Equifax by certified mail with a return receipt. The tracking number for the certified mail is XXXX XXXX XXXX XXXX XXXX XXXX ( Exhibit A ), and the mail was stamped and received by XXXX XXXX, an agent of Equifax. However, Equifax has failed to address my dispute and update my Consumer file, in violation of 611 ( a ) ( 1 ) ( A ) of the FCRA, which requires consumer reporting agencies to investigate disputes and correct inaccurate or incomplete information. 
In addition, I requested my credit reports from Equifax on XXXX, as per my right under the Fair Credit Reporting Act. I disclosed my full social security number and provided multiple choice answers to confirm my identity. However, their site has crashed on multiple occasions, making it difficult for me to access my credit report digitally without ease of use ( Exhibit B attached ). I have contacted Equifax multiple times through multiple sources regarding the status of my credit report request, but have received no satisfactory response. 
Furthermore, Equifax rejected my appropriate identification documents, even though I provided all necessary proof of identity as defined in 1022.123. This is a violation of 610 ( a ) ( 1 ) ( B ) of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports and to provide a process for consumers to dispute inaccurate information. 
Equifax 's failure to comply with these provisions of the FCRA has prevented me from accessing my credit reports and addressing the inaccurate information on my Consumer file, thereby causing me undue financial harm and stress.
Product: Student loan

I took one semester of classes during residency in XX/XX/XXXX and took care to reverse the student deferral of loan payments that was put into place without my requesting it. I continued to make payments during the semester but later found out that fedloan servicing had not counted those payments toward my 120 payments for PSLF. I initially called about this in XX/XX/XXXX. All of the individuals that I have spoken with at fedloan servicing agree that the payments were made and should count toward the 120 payments. I have called about every 3 months since XX/XX/XXXX and this complaint still has not been resolved after over 2 years of trying.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO RECOVERY add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit.
Product: Credit reporting or other personal consumer reports

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 my right. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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

Good Afternoon, I fell behind on my mortgage payments last year XXXX XXXX. I did not waste any time so, I gathered all the documents necessary and submitted a Uniform Borrowers Assistance Form with my mortgage servicer, Freedom Mortgage in XXXX of XXXX. I was denied in XXXX of XXXX due to exceeding the Debt To Income Ratio by 54 %. when I was supposed to have reached a 40 %. 
I obtained a part time job to be able to afford any modification payment Freedom could offer and I re-applied in XXXX XXXX. On XXXX XXXX, XXXX, I called Freedom Mortgage and spoke with XXXX ID # : XXXX, and she informed me that I was denied on XXXX XXXX, XXXX, again, due to exceeding the Debt to Income Ratio again. I asked her to give me a break down of the income and expenses used. I also asked her how much did I exceed this time, she responded " 40.72 % ''. 
It does not make sense on how I was denied by exceeding by less than 1 %. I asked her to please email me the denial letter because I needed that in writing. I received the denial letter the following day. I typed an appeal letter gathered pictures of my home and mailed out through certified mail. On XXXX XXXX, XXXX I received a letter stating that they denied my appeal. 
I do not even think they read my appeal or bothered to investigate! I will attach all the proof with this letter.
Product: Credit card

on XXXX XXXX fraudulent charges by " XXXX '' {$120.00}, {$120.00} and {$4.00}... 
on XXXX XXXX fraudulent charges by " XXXX '' {$12000.00}, {$120.00} and {$4.00}... 
on XXXX one charge for {$10.00} by " XXXX '' total of {$510.00} was fraudulently charged to my paypal mastercard. I closed my account in XX/XX/2023 and somehow scammers are still allowed to make charges months later. After investigation the XXXX charges by " XXXX '' of {$120.00}, {$120.00} and {$4.00} were admitted as fraud ; leaving the XXXX charges of {$120.00}, {$120.00} and {$4.00} by " XXXX '' still on my account. 
My XXXX bill showed the correct amount owed of {$83.00}. But in XXXX those charges totaling {$250.00} were again transfered to my new account. I intentionally did not activate the new card they sent me to prevent further scams. 
After countless phone calls resulting in wasted hourseach call. On XX/XX/2023 I finally recieved a mailed copy of my account with a balance of {$10.00}. However, in reviewing my paypal account online the balance is now {$440.00} as of XXXX. The fraudulent charges were again added to my account. 
Current account balance is {$440.00} - XXXX {$190.00}. That is {$180.00} in interest and fees on fraudulent charges. 
I was " assured '' in XX/XX/2023 thesecharges would be removed but intead more charges are added. 
ibelieve these fraudulent charges are made by employees or associates of enployees that would have access and knowledge of account information due to me never activating the second card paypal sent me. 
When I have called paypal and Syncrony bank I get excuses, for the fraudulent charges being added the new account that I never opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my taxes and the tax professional told me that my social security had been used already to file tax returns. I soon received a call from a collections company as well that I owed them money. Everything was making sense right after. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$150.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$4400.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Credit card

An account with discover bank was opened in my name and places on my credit report on XX/XX/year> and has a balance of {$12000.00}. XXXX account was opened without my knowledge.
Product: Payday loan, title loan, or personal loan

I have an account with XXXX XXXX and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ 150-200 monthly instead of {$550.00}, however they refused. So I had a past due balance and when I finally started making payment again in the amount of {$260.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX  young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different. They never told me my account has been changed off but still collect my payment and they charged it off for the same amount of the loan which was given to me, although I have be making payment.
Product: Debt collection

Sentry Credit Inc ( XXXX XXXX XXXX XXXX, WA XXXX ) started reporting on my credit profile with inaccurate information for a account : XXXX. I contacted the company and they can not verify information or validate the {$5800.00} debt. In further research this company is attempting to collect a debt and they are not even registered in the state of georgia 's secretary of state business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has an account with XXXX in XX/XX/XXXX and paid the account in full a few months later. The company came back later to indicate I still owed money and when I refused to pay because I had evidence that the bill was paid in full, they reported that I was late to the 3 credit bureaus. To avoid further impact to my credit report I paid the money. 

In XXXX of XXXX, I received a letter and a check from the FTC indicating that According to the FTC 's complaint, XXXX  engaged in numerous deceptive or unfair practices, including : falsely advertising that it would accept payments by credit or debit cards failing to properly and timely credit payments made by check providing deceptive payoff quotes to customers trying to collect more money than the quoted payoff amount and making unauthorized charges to customers ' bank accounts. 

When I reported a dispute to all 3 credit bureaus to have the missing payment information removed from my credit report based on the FTC information I received, but all 3 came back to indicate that XXXX indicated the information is correct, rather than take into consideration the FTC notice which I have file several complaints with multiple agencies about XXXX  practices and the inaccurate information on my credit report. I want the information corrected by all 3 credit reporting agencies because the FTC has proven that XXXX XXXX  practices have impacted my credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX must be deleted for inaccurate credit reporting they must report all monthly payments all monthly late payments date of last activity the months that show payments was good and the months payments were late the date of last activity and Payment Frequency must be reported the report is not accurate without this information and must be deleted
Product: Mortgage

RECORD OF PRESENTMENT FOR : NOTICE OF FAULT IN DISHONOR, OPPORTUNITY TO CURE This section includes : 1. Notice of XXXX for XXXX  dated XX/XX/XXXX ( 3 pages ) ; 2. Request Regarding a Statement of Account dated XX/XX/XXXX ( XXXX page ) ; 3. Certificate of Non-Response dated XX/XX/XXXX ( 1 page ) ; 4. Notice to XXXX  Accounts dated XX/XX/XXXX ( 1 page ) ; 5. Private Registered XXXX  Bond dated XX/XX/XXXX ( 1 page ) ; 6. Mortgage Statement of Account dated XX/XX/XXXX ( 2 pages ) ; 7. I.R.S. Form 1040-V ( 2 pages ) ; 8. Notarys Certificate of Service dated XX/XX/XXXX ( 1 page ) ; 9. U.S.P.S. Tracking Report, Receipt for Registered Mail dated XX/XX/XXXX ( 2 pages ) ; 10. Notarys Certificate of Service dated XX/XX/XXXX ( XXXX page ) ; 11. U.S.P.S. Tracking Reports, Receipts for Certified Mail dated XX/XX/XXXX ( 2 pages ).