23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I got up this morning on XXXX/XXXX/17 at XXXX and called my phone company to pay my phone bill of {$50.00} and it did go through, I called my card to make sure I had {$60.00} left for my kids diapers wipes and food and there was only {$10.00} left on there. I did got to my phone company and they pulled up my account and there was only XXXX transaction that was approved for only {$50.00}, but the American Express company took out an extra {$50.00} which is by law called fraud. So I called my phone company head office and they even said only one payment was approved for {$50.00} thAt American Express has frauded me of an extra {$50.00}. I have already talked to a lawyer and I will be aiming to press charges
Product: Mortgage

Our Mortgage was sold to Shellpoint Mortgage 5 months ago from XXXX XXXX. 
My husband and I completed a loan modification with XXXX prior to the transfer. 

Shellpoint currently has outdated information reflected on our account they claim we owe over six thousand dollars in missed payments which is inaccurate. Before our mortgage was transferred over from XXXX our loan balance was XXXX and our account was up to date and current. Shellpoint mortgaging is reflecting an inaccurate mortgage balance of XXXX and over 6,000 of  missed payments and late charges. 

I have sent over the documentation proving our loan modification and a Shellpoint Representative verified the information was received. A Shellpoint Rep also verified the official copy of our loan modification was sent over by XXXX but our account has not been updated. According to Shellpoint it will not be updated until we sign a new loan modification from Shellpoint. The  representative told me If we don't agree to sign the modification we will be forced to pay the XXXX of  back payments that should not even exist because we never missed payments!!
Product: Credit card

Im letting chase know, someone is using my information without my permission. Please removed credit reporting from credit. Who using my information without my authorization should be penalized them for using my information. My ID was stolen in XXXX XXXX 

Someone listed me as a authorized user without permission. 

My address is on file with chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX have 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

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not Applied for any credit account or loan accounts in the last 3 years and I have noticed I have some inquiries on my TransUnion account that I did not authorize. I was told that they would be a soft inquires but instead they were hard inquiries by these companies listed below!! These inquiries are made by companies with whom you have applied for a loan or credit in the past two years. A request for your credit history is called an inquiry. There are two types of inquiries, hard and soft. A soft inquiry will not affect your credit score, but hard inquiries may. Hard inquiries remain on your credit report for two years. 
XXXX XXXX XXXX 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

I've tried to get the fraudulent progressive and the general in company accounts removed from my report. Please help me and get these accounts blocked.
Product: Debt collection

I lived on the XXXX floor and the person who lived on XXXX floor keeps having police called on her due to disorderly conduct. This person also had a person not on the lease living with who who was arrested with force due to warrants. I informed management EACH time and the management took no action but told me " you can move out if you don't like it, the police are the ones to handle this ''. I sent management emails and even went in person with audio recordings of all of this. The last time the police where called out I finally decided to press charges on the person above me and she plead guilty in court and I was awarded a NO CONTACT order. But the apartment complex let that person remain in the apartment above me. All of this goes against the landlord tentit act and there own policies " quite enjoyment, person staying longer than x amount days must be on lease, no person with warrants or criminal records. '' Also water was shut off at least once a week all day long the whole time I lived at this apartment. 

I have audio recordings of me informing management of all of this several times and emails. But management informed there corporate office I never told them what was going on. Even though I sent the same information to the corporate office. 

All of this goes against my right to a safe environment and my right to dispute and not be heald liable for any money owed. 

If you like I can send a copy of the court case and the no contact order and all the emails I sent to this apartment complex, all audio recordings to prove this apartment complex was not providing a safe place to live and was breaching there own contract and landlord tenet act. 


( NOTE your system won't let me add documents it won't even let me click upload documents. )
Product: Debt collection

I was given two notices from a XXXX collector, TRS Recovery Services. The original crediter was XXXX but I had called and they have nothing on me. I don't have anything with XXXX that would cause to have {$23.00} in debt. Now I just received the second notice and now it's $ XXXX. I don't know who this is and I wanted to call XXXX but they are requesting my bank information and I don't want to give them that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have advised the creditor and credit bureau to remove this fraudulent account, and they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following was previously sent to CFPB : Upon conducting a personal credit reporting review, I noticed that a company named CREDCO   conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. No consumer notification was submitted and this negligent act resulted in the personal credit damage. CREDCO  conducted unauthorized credit check for the following dates : XX/XX/2020, XX/XX/2020, and XXXX XX/XX/2020. 

The company responded with a spurious information regarding Identity Theft. The company should not provide credit reporting to a third party without consent and knowledge from the consumer. This company does not honor passing the personal information to a company and now the consumer is subject to a data breach of Personal Identifying Information. This is comsidered an Identity theft initiated by CREDCO. 

The following attachment is the letter sent my the company with pretentious information that does not address the issue and counter the information by holding the consumer responsible for actions they have so carelessly performed. I am requesting for a formal investigation and will also submit a formal complaint to the California State Attorney General to data breach investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 
The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after XXXX previous disputes, no resolution has been made. 
I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 
In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 

XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX  XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX
Product: Debt collection

I settled credit card debt owned by Midland Funding with XXXX XXXX XXXX. Judgement states make XXXX payments to XXXX XXXX XXXX monthly. Starting XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all my payments made through bill pay were returned to my bank account ( see attached ). Midland wouldnt acknowledge my acct, told me to call my lawyer. My lawyer had no idea of who I was to make payments to. XXXX XXXX XXXX .... no answer. XXXX XXXX XXXX had no idea why payments were being returned. I received notice that I was part of the class action lawsuit and would receive either monetary settlement or remaining debt cleared. I never heard anything else from anyone until XX/XX/XXXX. Almost a year later my wages are being garnished by XXXX XXXX for ... .. NONPAYMENT. XXXX XXXX are not listed anywhere on my court judgement document saying Im responsible to send payments to them. XXXX XXXX XXXX or Midland never notified me of who I was to send payments to. No certified mail, never served. NOTHING. When I called them they initially said that I was being garnished because I failed to make payments ( they ones that were sent back to me ) ... so they waited a year and garnished. When I asked why no one contacted me they said that they " Tried '' to contact my lawyer but my lawyer never returned their call. They admitted this was the only attempt they made. And this is on an account that was named in a class action lawsuit for illegal collection. Oh .... and although I settled the debt from XXXX to XXXX and have already paid off a large majority of that .... Im being garnished .... {$1000.00} per paycheck ... .. XXXX a month .... for the FULL XXXX. How can this happen? And Im not the only one this is happening to. I will lose my house .... everything. I was making payments and doing what I was supposed to do .... they are taking advantage of people like me. I tried diligently to find out who payments needed to be made to and to try to find out why they were returned in the first place to no avail. And now they can just walk in .... send a notice to my employer on a Friday ... garnish XXXX the next Friday ( NO TIME to fight this at all ). My lawyer has made numerous calls and they wont return her calls. I called them and this person XXXX XXXX ( At XXXX XXXX ) told me to send him my proof that I made payments and he would call me. I sent my documentation immediately and he never called me back. Ive left messages and they wont call me. How easy for someone to just stop taking payments .... return payments and just say you didnt pay .... and collect the whole XXXX instead of the XXXX i owe. This seems illegal to me. These people need to be stopped. Immediately. Im a single mother .... paying for a home, food, clothes etc with NO SUPPORT outside my income. paying for my car and my XXXX kids ... who are XXXX. It takes every dime I have to do this alone .... XXXX a month will cause me to lose my home .... I may make a good salary, but I also have other debt. And Im sure they would like their money too.
Product: Credit reporting or other personal consumer reports

15 US. Code 5 16816-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. it has been 30 days and TransUnion and XXXX are in ViOLATION of this law because I am a victim of identity theft. I need the XXXX XXXX XXXX account and all unauthorized inquiries deleted IMMEDIATELY These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 US Code 1683b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I DID NOT OPEN THESE ACCOUNTS! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Student loan

In 2012   XXXX   XXXX   began calling me about a loan I Co-Signed, I stated that I never co-signed a loan, they transferred my call and kept repeating that I did co-sign a loan and that I am responsible for it.
<P/><P/>
I did not co-sign a loan. Navient is threatening to report delinquent payments to the credit bureaus regarding a loan that is not mine. I made multple payments on a loan that is not mine in fear that they would destroy my credit score.
Product: Money transfer, virtual currency, or money service

I had transferred a car loan from one lender to another in XX/XX/XXXX from Ally Financial to XXXX XXXX XXXX. In the process, I no longer needed GAP insurance and was supposed to get a refund. My mail was broken into on XX/XX/XXXX and the check was stolen. This was in the middle of a natural disaster in Texas and did not become aware that the check until XX/XX/XXXX. I contacted the lender, Ally Financial, who first accused me of assisting someone to cash the check and refused to help me. I filed a complaint with the XXXX  which cause Ally to reach out to me and asked me to file an affidavit with me and XXXX  XXXX XXXX who cashed the check on XX/XX/XXXX. I have been attempting to get a status of this and when I can receive my money but Ally refuses to contact me or return my calls.
Product: Debt collection

I sent a letter on XX/XX/XXXX to remove collection account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX
Product: Checking or savings account

2024 XX/XX/XXXX : {$40.00}, {$45.00}, {$35.00}, {$40.00} ; XX/XX/XXXX : {$35.00} ; XX/XX/XXXX {$200.00} I am a barber and use XXXX to receive payments from clients. I opened a Bank of America checking account for this purpose. I had the account for a year and had never had an issue receiving payments. On XX/XX/XXXX, I received a message of payments through text as usual. The awkward thing is that it said " XXXX XXXX '' XXXX XXXX acct ending in XXXX, even though I don't have an account with that bank. I also received multiple texts XX/XX/XXXX at XXXX stating " XXXX XXXX will NEVER call or text you for this code '' It appeared that someone had attempted to create an account. Somehow, my money was transferred to a different account beginning at XXXX that day when clients sent me money. I went to Bank of America to discuss the issue and were told to go to XXXX XXXX. When we went, they told us there was no such account and to return to Bank of America. Upon return, to Bank of America we were told it was a XXXX issue and to contact them. I spoke with someone through XXXX and were told it was a Bank of America issue. It was a frustrating back and forth. Lastly, Bank of America told us we had to change the password and reload the app. I threatened to close the account and told them they cheated me of my money. They got the manager and pleaded that I stay and had me reset my passwords yet again. Nothing was resolved and they refused to return my income of $ XXXX chose to keep business with them as they convinced me. Fraud definitely took place.