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

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove thefraudulent accounts from my credit report as soon as possible 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

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER XXXX XXXX XXXX WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The XXXX also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is attempting to collect on a debt that has expired concurrent with the statute of limitations. Statute of limitations law in Texas is 4 years for credit card debt. The statement I just received from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in response to my debt validation and dispute, is dated XXXX. I have communicated to them in my dispute that the debt is not mine as the statute of limitations has expired on this debt therefore they can no longer collect on said debt. They refuse to comply. I have been disputing this collection for several months to no avail. The debt is no longer valid and 3rd party collection agencies keep trying to buy it and force me to pay it, which is having negative affects on my credit worthiness.
Product: Credit card

I was improperly charged for an XXXX XXXX flight from XXXX to XXXX on XX/XX/2017. On XX/XX/XXXX I purchased a ticket, ( XXXX XXXX ) for {$240.00}. When I arrived at the airport on XX/XX/XXXX the airline agent mistakenly informed me that I did not have a reservation. They informed me that my only option was to purchase a new ticket, ( AA XXXX ) for an additional cost of {$360.00}. On returning home, I found that XXXX tickets had been changed to my XXXX and paid to XXXX XXXX. Although the XXXX ticket was purchased under duress and fraudulent circumstances the XXXX agent would not process my request to stop/recover payment stating that I could recover only the {$240.00} cost of the original ticket. Thus the airline and XXXX profit from their error and I am being compelled to pay the extra cost as well as suffer the inconvenience of a 5-hour delay.
Product: Credit card

In XX/XX/XXXX, I transferred a balance from my Ally Credit Card Account to my XXXX XXXX XXXX XXXX Account. XXXXXXXX XXXX  issued the {$4000.00} check and mailed it to Ally Bank XXXX XXXX XXXX XXXX MI XXXX. 
The check was cashed on XX/XX/XXXX apparently by Ally Auto, another arm in the Ally Financial conglomerate. When I received a call from Ally Credit Card arm that my payment was not received, I contacted Ally Bank- the Credit Card arm of the conglomerate - to let them know that indeed I had transferred the balance. They claimed to have received no such check. 
I then contacted XXXXXXXX XXXX who sent me a letter about the balance transfer inquiry I made as well as a copy of the cancelled check that was cashed. This letter is dated XX/XX/XXXX. 
The check issued by XXXXXXXX XXXX on XX/XX/XXXX paid to Ally Bank and cashed on XX/XX/XXXX. 
In the interim, I spoke with countless Ally Bank credit care specialists and gave them the same information. I finally faxed this information to Ally Bank at the fax number they provided me - Fax # XXXX. I faxed them on XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with XXXX who told me I had to dispute the cashed check with the Auto arm of the conglomerate, and she told me she spoke with someone in the Auto department who told her to tell me that I needed to let the Auto department know the situation involved a misapplied payment. 
In spite of five phone calls attempting to do just that, each time I was told they could not have cashed the check because I did not have an auto loan with Ally Bank Auto. 
No matter who I speak with in the company, and no matter what arm of the conglomerate- Bank, Credit Card or Auto- they all deny responsibility for the error even with the copy of the cancelled check that they say was mailed to the wrong place. That may be true, but my name and credit card account number was clearly written on the check. 
With a check number, it would take a simple computer search in each arm of the Ally Financial institution - Credit Card, Auto, Bank- to determine where the money went, and then the solution would simply be to make bookkeeping adjustments to show the check paid the balance on my credit card account. However, due to incompetence or sheer laziness, I can not get even one person in three companies within the conglomerate to take steps necessary to do just that. The Ally Credit Card arm of Ally Financial claims to have investigated the matter and determined that Ally Auto cashed the check, so I fail to see why they can't resolve the matter by working together with someone in the Ally Auto department to properly apply the check to the appropriate account. 
I do not deny that the check may have been mailed to a wrong address, it was still mailed to Ally Bank, and they cashed the check. I do not care about assigning blame. I only care that the matter get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry XXXX  CARD-Inquiry XXXX-Inquiry I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Product: Credit reporting 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 these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance XXXX {$2000.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account with a balance to my credit report. However I have already paid this off and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Product: Credit reporting or other personal consumer reports

This is regarding my Experian credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX XXXX based my credit history report from Experian. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to XXXX XXXX is being reported as opened XX/XX/XXXX Experian website is not allowing me to dispute because of article XXXX. my XXXX XXXX reported by Experian was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting Experian to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to Experian via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also Experian is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXXXXXX XXXX and I need this loan to secure housing.this are the tel # 's. I tried for Experian. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with Experian.
Product: Credit reporting or other personal consumer reports

I have trying to contact Experian credit report to update my personal informations and no answer update my date of birth XXXX/XXXX/XXXX  and my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the company on XX/XX/year>XXXX  through XXXX. I did not receive a response from the company.
Product: Credit reporting or other personal consumer reports

These inquires should be removed as I did not authorize them to pull my credit and they do not have written authorization. Immediately! 
Certainly! Here 's a formatted list of the items you provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX, an administrative wage garnishment hearing company, was hired by Delta Management Associates ( XXXX, MA ), a student loan wage garnishment company, to rule on my wage garnishment appeal due to financial strain. 

My appeal application and financial documents were sent to Delta Management Associates, but they did not respond as to the status of my appeal. 

On XX/XX/2020, I spoke with a representative at Delta Management Associates who told me my written statement hearing would occur on XX/XX/2020. When I asked the representative why I had not received notification of the hearing, she was unable to provide an answer. 

On XX/XX/2020, I received a Notification of Written Administrative Hearing, dated XX/XX/2020, and postmarked XX/XX/2020, the day after I spoke with Delta Management Associates. The XXXX  notice stated I had 10 business days to submit any documentation for the hearing and the documentation had to be received by XX/XX/2020, the very next day. 

On XX/XX/2020, I left a voicemail for XXXX XXXX regarding me appeal. XXXX did not return my phone call, but instead XXXX XXXX returned my call. I spoke with XXXX XXXX of XXXX and asked why the notice dated XX/XX/2020, was not sent until XX/XX/2020. XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX why I was only given 1 business day to send my documents, but she was unable to answer and said she would have the hearing officer contact me. I asked her what documents had Delta Management Associates forwarded to XXXX for the hearing, XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX if the Notification of Written Administrative Hearing had been back-dated, since it was postmarked the day after I spoke with Delta Management Associates. She was not able to provide an answer and would have the hearing officer contact me. Furthermore, when I asked why my mailing address was incorrect, XXXX accused Delta Management Associates of providing the incorrect mailing address. 

Today is XX/XX/2020, and the hearing officer has yet to contact me. In addition, I have not received a ruling on my appeal from either XXXX or Delta Management Associates. 

XXXX XX/XX/XXXX : Delta Management Assoc says appeal hearing scheduled for XX/XX/XXXX XX/XX/XXXX : XXXX sends Notification of Written Administrative Hearing XX/XX/XXXX : Notification of Written Administrative Hearing received at my address XX/XX/XXXX : XXXX XXXX of XXXX is unable to provide any answers to my questions XX/XX/XXXX : Due date of appeal hearing documents XX/XX/XXXX : Appeal hearing date XX/XX/XXXX : I have yet to hear from XXXX  or Delta Management Associates in regards to my appeal
Product: Student loan

AES sent me a letter, claiming that I was 28 days past due of my payment. I already signed up for XXXX XXXX XXXX a month ago on AES Success 's website. AES never processed my XXXX XXXX  ; instead, the company is sending me harassing messages and letters demanding payment. 

I don't owe this company any money.
Product: Mortgage

My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX said they verified the bankruptcy through the courts. The courts do not verify any information with any credit agencies or third parties. 

I sent them a letter from the courts that proved this
Product: Credit reporting or other personal consumer reports

This is seriously alarming, there appears to be information that has been mixed with my credit report, this account keeps appearing on it which isn't mine. This is misreported, and this error has been affecting my life negatively causing me undue stress and sleepless nights with my new credit applications being denied because of this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. XXXX XXXX XXXX, Account XXXX. 
XXXX XXXX XXXX, Account number : XXXX, XXXX. XXXX XXXXXXXX XXXX, Account number : XXXX XXXX. XXXX XXXX, Account number : XXXX. 
XXXX. Department of ED. Account number : XXXX. 
XXXX. XXXX XXXX XXXXXXXX XXXX, Account # XXXX. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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: Checking or savings account

I have a letter form Wells Fargo talking about it. They can't fine my savings account with only me XXXX XXXX and XXXX XXXX XXXX  name on the account. I have a letter to provide to you as proof. To show you the trust of this matter. This is a lot of money that they have lost. No one closed the account. So were is the money. Now my rights have been violated by them not have my account open. Under the customer protection act. I need my money
Product: Mortgage

I refinanced my mortgage using contour mortgage. My current mortgage company sunwest mortgage gave contour a payoff on XXXX XXXX. I signed the closing papers on XXXX XXXX, 2016. I have my monthly payments directly come out of my checking account every XXXX of the month. I was advised by sunwest to cancel my XXXX payment threw my bank due to the signing which I did. XXXX also calculated per dime payments into the final payoff which would bring the payments current from the date of requested payoff until XXXX XXXX when the payoff check was received. I received a letter from sun West stating my loan has been paid in full dated XXXX XXXX. I am now receiving phone calls from sunwest stating I need to make a XXXX payment. Both myself and contour mortgage have documents paying the loan in full and do not believe I owe a XXXX payment because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have made several attempt to resolve since XX/XX/2020 please the attached proof Re : XXXX XXXX  needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


Transunion has declined to update my credit report, I have sent numerous request to them as well.
Product: Vehicle loan or lease

Apparently Santander consumer USA was involved in an audit for inaccurately reporting information. And my information was inaccurately reported ( close to 4 years ago ). Santander decided to REMOVE my car loan from my credit. 54 months of payments not shown. I was not notified by text/call/email of the removal of my loan from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MRS BPO out of no where caused my credit to go way down. I have never even been contact by them, unless all the fake bill collectors that have harrased me such as XXXXXXXX XXXX XXXX The XXXX XXXX or XXXX, which have all threatned me in one way shape or form. Anyway I was under the impression by XXXX XXXX XXXX like about 6 years ago that they were investigating somethings and said they would be in touch. They said they would validate the bill, and they had all my info including my email, so when I never heard back I thought it was taken care of and then 6 years later bang, out of no where my credit gets attacked. 

I never heard back but today out of no where MRS BPO files something with the credit bureaus going against my credit. I had no idea of their involvement, the bill was never validated and now all my hard work on my credit has suffered. Is n't a company supposed to validate a bill and contact you before taking such measures? I believe my credit right have been violated, please do something about it and make the take that off my report. I have filed a dispute with experian and asked them to send it to the other credit agencies.