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

As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and Comenity bank and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

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

Both XXXX  and XXXX  lowered my credit scores by almost 100 points because I paid off my home mortgage in full in 2 lump sums. I have Congratulations letter from XXXX XXXX  congratulating me for paying off my mortgage. I don't understand why both XXXX  and XXXX  list my XXXX XXXX   mortgage account as derogatory and lowered my credit score by almost 100 points. I am currently trying to purchase a new truck and was notified that although I had been pre-approved prior that due to my latest credit score I was no longer qualified!! I am appalled that my credit score was lowered from XXXX to XXXX!!! 
Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit was run to determine my ability to purchase a new home. On my credit report is an old Mortgage that was foreclosed. However, this is an old account and should no longer show as being open. I need this taken off my credit report as being an open account.
Product: Debt collection

On XXXX XXXX I got a credit alert that there was a new account on my credit score. I saw it was a collections from Plaza Services LLC. They posted that it was open in XXXX, XXXX. I have not received any communication from them, no phone calls or letters or anything from them, in fact I have tried calling multiple times during their business hours to no answer, and i have emailed them twice to no answer. I disputed this account and got it removed from my credit score ( it came off yesterday XX/XX/XXXX ). Today they posted a late payment, even though no communication from them. 
No validation of debt from them or anything. I don't even have a full account number for them.
Product: Checking or savings account

ALL and any of my Wells Fargo bank accounts between XXXX and XXXX are closed ETC. Deposit and funds are missing. I reach out to Wells Fargo to see what is going on. With my banks accounts that are closed. And the refuse too take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..
Product: Debt collection

I was working for a company making good money, and had debt, the owner died during the Obama Administration, not the administrations fault, But there was no comparable job for me, once the owner died, I lost my house, car, everything I owned. I own no house. I decided to draw my Social security so not to be a street person. Now the creditors have sold the debt to blood sucking Sharks never stopping. They call nights, days, weekends, Saturday, Sunday mornings, nights, days different numbers from all over the USA on my cell phone My company phone, Letters every week, at first offered me discount now upped the amount above the original. I am not bankrupt, but if I started paying them, I would not be able to pay for rent or buy electricity for my apartment, or purchase food and medicine when needed. I did not authorize them to tamper with my credit they check and lower my score, this is six years after I could not make payments, after everything I owned was gone. Is this the Government of the people for the people, where I have no recourse but live in the streets and send them my Social Security? THIS IS XXXX XXXX XXXX, XXXX. the owner is a multi XXXX  coming after a retired Senior Citizen. I have worked hard all my life. I can not sleep because of these Vipers. the doctor told me after getting XXXX, that it was due to not resting, and if I didn't want to die I should rest 8 hours a day. But how can I, they are relentless, evil bloodhounds never stopping.
Product: Debt collection

I have been trying to get this horrible company to remove this erroneous collection from my credit profile for over a year. They claim I owe {$760.00} to XXXX XXXX XXXX. This is a lie. The company responds to CFPB stating that they respond directly to me. They only respond with my original lease agreement. There is NO PROOF that I did not fulfill my contractual obligation, in which I did! 

In case the company CLAIMS they can't identify me again : My name is XXXX XXXX XXXX. Last 4 of my social is XXXX. File # XXXX
Product: Checking or savings account

I moved from XXXX XXXX XXXXXXXX XXXX XXXXo XXXX, XXXX this week. I walked into my local XXXX XXXX Truist Financial branch to withdraw funds to pay for my movers. I handed them my XXXX license. They asked me a couple of security questions, which I was able to answer ; however, when they asked me what year I opened the account, I could not remember. I opened an account with BB & T about a decade ago. I never opened a Truist account myself. That automatically happened with Truist bought out BB & T. Since I could not answer that question, they stated that I was not the account owner and they couldn't help me. So, I left. I went to another branch down the road, but by the time I had arrived there, the first bank had flagged my account, so they would not help me either. I went home to transfer my funds via online banking and noticed that my account had been frozen for debits. I called the XXXX number for customer service ; they stated that this can only be resolved at the local branch. They asked if I could drive back to the branch, call the customer service again and they would assist in verifying that I am indeed the account owner. I called the local branch before driving back over to confirm this as well as ask what other forms of identity I could bring since they were obviously unhinged over the XXXX driver 's license. I offered my passport and social security card. The gentlemen on the phone stated he would not help and that I need to go back to XXXX Currently, I feel like my funds have been stolen by my own bank, and I am very frustrated. I need help to get my funds back. Then, I can just permanently close my account so as to never deal with this bank again.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I received an email from Experian ( Experian IdentifyWorks XXXX saying they had found my full social security number on the dark web I was confused because on XX/XX/XXXX I had received a message from them saying subscription has been cancelled. So why were they sending me alerts so long after the cancellation? 
This is a very serious issue, so I wanted to get the scoop. I tried calling Experian for over an hour to talk to a real person but was unsuccessful because they require that you put your full social security # in there before you can talk to a person.. I had no way of knowing if the alert email was pshing or fraudulent before I gave them my ss #. I am very paranoid as I receive a number of pshing emails per day. Some fraudsters almost got into my retirement funds account. I had to have my computer professionally cleaned to resolve that issue. Experian should know better- the social security number is the key to a person 's credit. I suspect that this warning also is pshing also, but wanted to talk to Experian to verify whether or not they actually sent this alert to me. If it is real I have to freeze my credit report, etc. but I don't want to unless I can verify its authenticity. 

Can you help me please? Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX inquiry Date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

information on credit report is not reporting correctly
Product: Credit card

My credit card ending in XXXX has been locked since XXXX of XXXX. They claim it is to protect me from fraud. I've sent everything they've asked for. It has been locked for no reason other than there being a severe language barrier when dealing with customer service. My name was formerly XXXX XXXX. I legally changed my name from XXXX XXXX to XXXX XXXX which is my maiden name and then I legally changed my name to XXXX XXXX. I sent my court documents, my proof of address, social security card and Identification, but nothing. They continue to restrict my card and deny credit. When they asked for proof of residence I advised them # 1 it is my mothers house so I don't have a utility bill, but I sent a credit card statement. Nothing happened. # 2 I bought a new home and this is no longer my address. They are refusing all items I send and refuse to provide changes to my information even with legal documentation. My previous address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have included name change, divorce, and copy of my deed. not sure what else is needed to prove who i am.
Product: Prepaid card

I received an unexpected and unwanted Netspend debit XXXX  card in the mail that I did not apply for that is linked to an account at XXXXXXXX XXXX XXXXXXXX. at which I do not have and do not wish to have an account. This apparently resulted from a data breach at the XXXX XXXX XXXX a year or tow ago. We were told to report this to CFPB before contacting the company, who has proven to be much less than helpful for other people in a similar situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref No.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has commingled my and my fathers credit. I have a XXXX but they are reporting my fathers XXXX vehicles on my credit report. They are also claiming that my income to debt is 99 % which is not true. So I am wondering just how much they have wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called Experian, XXXX, and XXXX XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Product: Debt collection

Comenity Bank has called me repeatedly ( at least 15 - 20 times over the last several months as recently as today and last Saturday ) regarding a Victoria Secret account that appears to be unpaid by a " XXXX '' XXXX. I'm unsure how to spell XXXX 's first name. I do not know or have any association with XXXX and have no idea how Comenity Bank obtained my phone number. Moreover, I do not have any accounts with Comenity Bank nor do I shop at Victoria Secret. 

Comenity 's messages are always urgent, they call throughout the day, on weekends, etc. and use blocked caller IDs. I do not answer as it isn't clear to me that this isn't a form of phishing or other fraud attempt, particularly given I have no association with any of the parties involved. I find Comenity 's debt collection efforts to be abusive, misdirected and unnecessary.
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reported by XXXX XXXX. I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ). 

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX
Product: Mortgage

Issue begun with the XXXX. The interest was not reduced as discussed with loan officer we were working with. It wasnt discovered that we would have to buy down the rate after going through the process. We continued because the opportunity still existed to cover the escrow issues due to tax reassessment. We have now received notice that the escrow account was miscalculated and now there is significant increase in the monthly mortgage. This process as proven to be extremely deceptive and has amounted to undue stress and financial hardship.
Product: Credit reporting or other personal consumer reports

CFPB : PLEASE SEND THIS COMPLAINT TO THE US DEPARTMENT OF EDUCATION. THE COMPANY INVOLVED, XXXX, A LOAN SERVICER FOR THE DEPARTMENT, IS THE PROBLEM. THEY HAVE THUS FAR REFUSED TO RECOGNIZE THEIR ERRORS AND I SEE NO HOPE IN CORRECTION. I WOULD LIKE THE DEPT OF EDUCATION ITSELF AND ITS LOAN REVIEWERS TO MAKE A DECISION ON RESOLUTION. 

Problem : XXXX is reporting my account as 90-120 days delinquent to the credit bureaus even as I pay as required under the terms of a recent loan recasting that it had itself calculated. 

XX/XX/XXXX XXXX recasts my loan, including outstanding principal of XXXX, interest due of {$690.00}, fees due of {$47.00} at an interest rate of 4.25 % over a term of 228 months with a graduated payment schedule. The new payment, effective XX/XX/XXXX, is {$290.00}. See Attachment 1 for Loan Recasting terms and calculations. 

XX/XX/XXXX Payment made {$400.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX Auto debit fails/payment is not made XX/XX/XXXX Loan is 24 days delinquent XX/XX/XXXX XXXX reports loan as 90 days delinquent with delinquent interest to XXXX, XXXX, and Transunion XX/XX/XXXX Payment made {$290.00} - this is the XX/XX/XXXX payment XX/XX/XXXX Payment made {$1100.00} - this is the XX/XX/XXXX payment with extra for principal reduction XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and Transunion XX/XX/XXXX Payment made {$290.00} XX/XX/XXXX XXXX continues to report loan as 90-120 days delinquent with delinquent interest to XXXX, XXXX, and Transunion See Attachment 2 for payment history . 

Throughout XXXX - XX/XX/XXXX, I have emailed, called, contacted XXXX repeatedly. They have repeatedly refused to review and correct their erroneous and destructive credit reporting. My credit score has gone down by XXXX points because of all this, existing credit lines have been restricted if not closed altogether, and higher interest rates applied to existing credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. XXXX, XXXX  and Transunion all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.
Product: Mortgage

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Citi Mortgate is XXXX of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard XXXX to live.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BALANCE : {$1200.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$1300.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX XXXX XXXX  BALANCE : {$820.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX XXXX XXXX BALANCE : {$1000.00} OPENED : XX/XX/XXXX CLOSED : XX/XX/XXXX SEND IN DISPUTES TO THE CREDIT BUREAU AND STILL NOT HAVE NOT RECEIVED A RESPONSE