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

There are accounts listed on my credit report that do not belong to me. Please remove them immediately. Thank you.
Product: Mortgage

My wife passed away on XXXX 2015 after a long battle with XXXX. This was our primary home when we first got married and it carried sentimental value for me. The lender received a full modification request package on XXXX 2015. Up until my wife 's passing the file was in active review and the sale date kept getting postponed. In or about XXXX XXXX, we informed SPS of my wife 's passing and were informed we needed to send Death Certificate and Trust information. The death certificate was sent to SPS immediately thereafter. 

SPS continued giving me a hard time regarding other documents that were sent in but SPS claimed not received. I have been coping with the loss and as well with my own health issues with XXXX . I was never informed of a denial at all nor was a denial letter sent to me, up until today, I was in active review and only today I was informed the file was denied and they are moving forward with the sale on Monday. How can they dual track and review me and then last minute say Im sorry too bad you are denied, we are foreclosing on you, Please do not allow them to pull these fraudulent antics on hard working Americans, I have paid property taxes and mortgage for years, this is not how Americans should be treated. I am willing to pay my mortgage but they are not playing fair.
Product: Debt collection

GC Services was contacting my cell phone using an automated dialer platform. I have recieved numerous calls from them over the span of a few months. I am looking to file a lawsuit against them for TCPA violations unless they are able to rectify this issue directly. I give them permission to reach out to me via my cell phone or via email if they would like to resolve this matter without further escalation. My cell phone number is XXXX and my email is XXXX.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my file and I want it removed.
Product: Credit reporting or other personal consumer reports

Received a balance assist loan and paid in full as agreed
Product: Credit card

My airline account through JetBlue was hacked and {$16000.00} worth of fraudulent flights were booked on my JetBlue credit card through Barclays. JetBlue uses a third party, XXXX, for travel insurance which was booked with the fraudulent flights totaling {$300.00} Barclays denied the dispute because XXXX had all my information and determined it was me who booked the flights. They would not provide any proof that the flights were determined fraudulent to provide to XXXX. JetBlue also would not provide this information so I have no proof to provide to XXXX. Barclays provided me with the proof provided my XXXX which I have attached. This proof is because my account was hacked so they think I booked it when I did not. The fact the flights were deemed fraudulent should be enough proof but Barclays and JetBlue refuse to help
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency sent an outdated billing statement from XXXX.
Product: Credit reporting, credit repair services, 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. 

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 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: Bank account or service

I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Bank of America has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, letting them know that I am a victim of fraud, experia refused to block this information from my credit report, even after knowing that I am a victim of fraud, everytime I dispute these XXXX accounts experian says that the accounts have been validated, I didn't authorize for an account to be opened in my name, I want to know what information was used to verify this debt, I need the original application showing my signature, I need validation of the debt showing that it belongs to me. I do intend to file suit if this account isn't removed within XXXX  days from my credit report.
Product: Mortgage

I am filing a complaint for XXXX XXXX XXXX by XXXX XXXX  for nonpayment on my home insurance policy. The deadline to pay my XXXX XXXX XXXX XXXX policy was XX/XX/year>. They stated the check was cut XX/XX/year>, and I recieved a letter from XXXX XXXX with a policy cancellation letter and the amount of the check. The insurance company refused to reinstate my home owners insurance policy. 
In addition, due to this oversight I have requested to be responsible for my own taxes and insurance payments. This request to remove impound was rejected. I am really upset that they'd collect my monthly mortgage with PMI and default on my home owners insurance. How unprofessional!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, Resultingin the Deletion of this item from my credit file. I am attaching a notice of deletion from XXXX.
Product: Debt collection

A default judgment was taken against me while I was dealing with my child 's injuries ( emergency surgery, XXXX XXXX XXXX ) from a devastating car accident. The judgment was for {$1400.00}, but I only owed {$380.00}. I paid the {$380.00}, but think it is unfair that they sued me for over XXXX times the amount I owed.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The victim discovered on XX/XX/XXXX on her XXXX credit report a fraudulent XXXX  XXXX XXXX XXXX account. The account was opened in XXXX and has been open since then ; this record only appeared on the credit report for the first time 7 year later in XXXX. The report also includes several incorrect addresses, which may or may not be related to the fraudulent account ( see attached statement ).
Product: Debt collection

Experian continues to allow debt collection agencies to post a collection on my report for the same debt over and over -- a debt that is not mine but belonged to my deceased brother. 

I have contacted them several times, but they refuse to remove my dead brother 's name as a " also known as. '' This is the third time I have had to fight this, and every time they allow a collection my credit score is drastically impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX & XXXX account ending in # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX  account ending # XXXX, XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending in # XXXX have violated my rights.

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

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I have contacted the company per your request and they stated they do not have any record of me applying with their company. They also stated they do not have the ability to dispute an inquiry with the CRAs and I should contact the CRAs myself to request the inquiries to removed. I have submitted a FTC complaint and I ask that you remove these inquires as they are a violation of my consumer rights. If you neglect to remove these inquires you will be in violation of 15 USC 1681b and will be subject to legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a fraud alert on my file for over 10 years and somehow creditors pull my file without my consent. I've contacted the creditors and asked that they remove these inquiries as they aren't factual request made by me. I've called the credit bureau on several times demanding removal as this violates the FCRA. The FCRA clearly states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order and the following inquiries DO NOT FIT ANY SCENARIO LISTED ABOVE. 

XXXX XXXXXXXX & - XX/XX/XXXX ; XX/XX/XXXXl XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX-XXXX XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXXXXXX XXXX-XX/XX/XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
Product: Debt collection

I have spent countless hours trying to resolve an already settled debt for {$1100.00} owned by Receivables Performance. I have called them during business hours two weeks in a row with no answer or call back after leaving a voicemail in addition to sending emails and written communication to request any information regarding the debt that they state I owe. The debt collection company does not answer or acknowledge my communication, nor have a way to make a payment ( even though this was settled in full with the previous debt owner ). This company is horrible and needs to be shut down. They are ruining my credit and no matter how many times I dispute via the major credit companies ( XXXX, XXXX, etc. ) it is added back to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with a credit reporting company 's investigation into an existing problem I was a victim of fraud I told them to investigate and I showed them proof, they didnt fix nothing they sent me a letter to stall in order to buy time and nothing was changed
Product: Debt collection

Post pandemic in the year 2021 there have been debt collections appearing in my credit reports from a company called Transworld Systems for the amounts of XXXX, XXXX, and XXXX. I was initially contacted by a utility company in California. I have never been not lived in California, let alone have any utilities under my name outside of New York. The company has contacted me and informed me my debt will be sold and if this was not me I would have to report it to the credit bureaus.
Product: Checking or savings account

In XX/XX/year>, I received my tax refund from RI of {$450.00} in my XXXX XXXX. However, I was traveling in XXXX at the time and out of the country. The check was stolen from my mailbox and falsely deposited under my name. Please see the attached photo of the check that was deposited, where someone wrote my name, XXXX XXXX, then XXXX XXXX... something on the next line. I received these documents from RI Taxation, who issued a forged check affidavit which I signed and returned. 

I contacted Citizens Bank who said they can not reverse the transaction once it's been deposited, and I gave them the check number of XXXX XXXX. The delay is because the XXXX took a long time in issuing a police report, which is also attached, which was required by the RI tax department for submitting my forged check affidavit. Despite submitting all these materials ( see my accountant 's letter for identity theft ) in XXXX, I never got a response from RI Tax until this winter ( I could never reach anyone there despite multiple attempts ), when they said the bank can't reverse it despite it being clear as consumer fraud and identity theft, and they can not reissue the check as it's out of their hands. 

I have exhausted all options and feel the bank was unfairly taking advantage of consumers who were subject to clear and obvious fraud. The bank refuses to take any action and the {$450.00} that I was entitled to as a refund is just lost. I am a student, and this refund is important to me, and clearly matters way less to Citizens Bank, a large corporation. I feel as I am both a victim of identity theft but also Citizen Bank 's ineffective fraud prevention system that even allowed this check to be deposited. Consumers should not be punished for a bank 's security failings.
Product: Checking or savings account

I WENT IN TO XXXX TO USE MY CHECKING ACCOUNT, THE TELLER TELLS ME ITS CLOSED AND WENT TO COLLECTIONS. 

SHE SAID IF I PAY THEM {$180.00} MY ACCOUNT WOULD BE OPEN AGAIN I PAID THE {$180.00} AND SHE SAID " IM SORRY MY SYSTEM IS FROZEN, THERES NOTHING I CAN DO SINCE IT WENT TO COLLECTIONS ' THIS ACCOUNT WAS CHARGED OFF THEN SHE TRICKED ME INTO PAYING THEM MORE MONEY. 

I AM DEMANDING A REFUND OF {$180.00} AS THEY WERE PAID TWICE, THIS IS ILLEGAL AND UNFAIR
Product: Debt collection

XXXX Was the report number given to me when I have already filed a dispute of the file regarding XXXX  XXXX, which I mistakingly was threatened into paying off twice, once to a collection agency about XXXX after the account was opened back in XXXX under my name XXXX XXXX and paid off again by another collection agency around XXXX, because they tried to threaten legal action and I could not provide proof of the paid off debt. This account originated with less than {$500.00} of a charged off amount, which is well over XXXX old and should not be used to contact me in an aggressively and harassingly manor by anyone ever. Its paid off and well over paid off at that. The card company has already agreed its a null and void account and has removed from my credit report all together yet collection agencies named XXXX and legal offices pick up this file in some way and reach out to my family members and my spouses place if business times harass me threatening to file suit and carry out legal actions. Its humiliating and illegal, not to mention violating numerous consumer rights of mine. Please investigate and help me notate this file as closed on whatever level necessary. 
Thank you.
Product: Debt collection

Discover card placed this account with this law firm after my attempts to negotiate a long term payoff plan at lower interest failed. This was explained to this firm, however they just sued me in XXXX court for this unsecured debt without notice. Never sent certified mail or anything to me!
Product: Checking or savings account

I tried to access my accounts yesterday but could not. I called USAA Bank and they stated that they had closed all ( XXXX ) of my accounts due to filing disputes and could never open another account there. They will send a check for my paycheck which should be deposited today or tomorrow in 60 days.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because late payments on a business credit card accountused exclusively for business expensesare inaccurately impacting my personal credit report and score. These entries, reported by JP Morgan Chase bank as personal debt, do not accurately reflect my individual financial behavior or risk and are causing significant financial harm.

The late payments reported on this account have lowered my personal credit score, severely restricting my ability to access personal financing options, secure favorable loan terms, and maintain the flexibility necessary to manage my personal finances. This impact has led to increased interest rates and missed business opportunities, all based on credit data that does not accurately reflect my individual financial practices. 

This business account, used solely for business obligations, should not influence my personal credit profile. Reporting these business-related late payments as personal debt is misleading and creates an inaccurate portrayal of my personal creditworthiness. The practice of merging business-related debt into personal credit reporting places an undue burden on my individual financial standing and exposes me to unfair credit penalties. This dual reporting lacks transparency and negatively impacts my financial stability in a way that is both unfair and harmful. 

I respectfully request that these entries be either removed from my personal credit report or reclassified to accurately reflect their nature as business-related debt. This adjustment will prevent further unwarranted damage to my personal credit profile and restore an accurate representation of my individual credit history. Thank you for your consideration of this matter and for the opportunity to address an issue that has profound implications for my personal financial well-being.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. These are the accounts and their account numbers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 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

XXXX : Today, I received a letter in the mail from Shellpoint Mortgage Company about this letter being the second and final notice about homeowners hazard insurance being expired and that Shellpoint Mortgage Company plan to buy insurance for my property. 

Shellpoint Mortgage Company has not sent a prior letter about homeowners hazard insurance and is threatening to purchase property insurance, should this document not be provided immediately.
Product: Credit card or prepaid card

My Shop Your Way Mastercard issued by Citi cards has had its credit limit declined twice in 4 months adversely affecting my credit, despite me not having any late payments with the company and paying more than triple the minimum payment due. Every time I make headway in paying down my balance ( which is only {$3500.00} now ) my credit limit is decreased to only hundreds of dollars of what I owe. 

As a result, in both instances, my credit score has been impacted and taken a hit, affecting my ability to refinance my house or make other purchases. 

The first time my credit was decreased was on XX/XX/2019 from {$5000.00} to {$4600.00}. At that time I owed {$4500.00}. The last time was XX/XX/2019, where my credit was decreased to {$3700.00}. After the XXXX instance, I called and was told that if I made payments for 6 months, I could get my credit increased again. This last time, I was told there was nothing they could do. 

The credit was decreased because of a charge off I that was reported and that I am disputing with one credit agency in particular. The credit card issuer in that instance is working with me to fix the situation. However, the person I spoke to at Citi said there was nothing they could do. 

I am considering retaining an attorney because of the damages caused by this situation. I'm sure I'm not the only one.