23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2021 I tried to book a business trip for myself and my colleague with XXXXXXXX XXXX for XXXX XXXX XXXX. They mistakenly booked us for the dates XXXX XXXX XXXX when I never authorized a transaction for the amount of {$980.00} for those dates. On XX/XX/2021 I called XXXX customer service to try to change the dates for the trip and spent 8 hours on hold, never getting through to a customer service agent from the merchants end. On XX/XX/2021 I opened a dispute with my bank at the time, US Bank to dispute the transaction. They opened a case and investigated it for the following weeks in XXXX and the last thing US Bank told me was that they found XXXX XXXX at fault and credited the money back to my account. 

As a New York resident and XXXX account holder, I decided to close the account since there are no physical US Bank branches in the state of New York. When I was visiting family in XXXX XXXX California, I closed the account in XX/XX/2021 after bringing the account to a balance of {$0.00} and paying overdraft fees to do so. The banked never told me that they were still investigating the XXXX dispute while I was closing the account. Since then, Ive been contacted by US Bank because they never finished the case and claimed they still need more information from my end. Every week I am getting multiple threatening letters in the mail that my ( already closed account ) is in the negative by {$980.00} and that if I dont bring the account to a {$0.00} balance they will keep this debt against me and keep contacting me. I have been trying to get in touch with their Fraud Department to clear this from my record but it has been impossible to reach the investigator from my case and every time they try to call me back it is from a random number which I do not recognize and I am in a meeting for work or in an appointment. When I try to call them back on the number they provide me with, the investigator from US Bank never answers my call.
Product: Debt collection

I believe FCRA XXXX necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Product: Credit reporting or other personal consumer reports

Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : Discover financial services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a credit card with one of those hand written applications on a plane flight. 

I never heard anything from the carrier or the credit card servicer. I figured that for some reason the application was denied. After several months I found that my credit score had dropped. I obtained a report. Apparently the credit card company ( Barclays of DE ) had opened a credit card and account in my name without my knowledge. When I contacted Barclays on XXXX the agent verified that the address and email address on my account were both wrong. Apparently XXXX gives Barclays these hand written applications and the people transcribing them to digital application often transcribe incorrect information. He also mentioned that the company had tried to contact me by mail only and all letters were returned. In spite of this Barclays still opened a credit card account in my name, knowing they would be unable to contact me about this account. Three months earlier the company had charged an annual fee to the card. The account was now closed by the company but a past due balance was still remaining that had since had a negative impact on my credit score. My score dropped XXXX points in a month and now I am having difficulty applying for housing in the new city I moved to. What 's more I feel like opening these kinds of accounts knowing that they are unable to contact the account holder is a major financial security risk. If someone had gotten ahold of this card I would have no way of knowing obviously but additionally Barclays would have no way of contacting me about the fraud. 

When I contacted Barclays, all they could offer was a mailing address where I could send a paper letter. Apparently the account and situation would then be reviewed and it could take up to 30 days for the company to make a decision on whether they would contact the credit bureau. These are unfair, unsafe and predatory practices by a XXXX company on and American citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per my credit reports it states negative remarks for late payments dating 2020 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Due to XXXX XXXX Ive contact the company which is XXXX to rectify the matter but to no avail.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report dated XX/XX/2024 and I noticed an account that no longer belongs on my report. 
This account is part of a Class action Settlement Lawsuit that I am a part of, I demand that this account be REMOVED immediately. 
Ally Financial violated UCC Code by : False reporting to a credit bureaus. 
Ally was involved in a $ XXXX Class Action Lawsuit and there was a judgement passed down stating that any derogatory information associated with this company has to be removed from consumer records and there was also predatory lending and unfair treatment of consumers.
Product: Mortgage

After researching refinancing options, I realized that I have been paying mortgage insurance for two years  when I do not believe I should've been. My boyfriend and I bought our home in XXXX of 2015 and we have made 25 total payments out of our escrow account to mortgage insurance for a total of {$4000.00}. 
When we purchased our home, we initially applied for a loan with the intent to put a very small down payment on it but were able to use money from a family trust to put down roughly 35 % of the cost and estimated value of the home. That being said, I realized while researching today that we should not have to be charged mortgage insurance once 20 % of the mortgage is paid off. Since we began our mortgage with more than 20 % of the cost paid in a down payment,. I don't believe we ever should've paid mortgage insurance and if that is the case, I would like to be refunded the {$4000.00} we paid. I also reached out to my mortgage company to see what they can do about it. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to request information about my credit report in accordance with Section 609 of the Fair Credit Reporting Act ( FCRA ). Please provide the following details related to my credit report : * A complete and accurate disclosure of all information in my credit file. * The sources of the information in my credit report. * The names and addresses of any third parties who have received a copy of my credit report within the past six months ( or two years for employment purposes ). I am exercising my rights under Section 609 of the FCRA, and I understand that you are obligated to furnish this information within 30 days of receiving my request. Enclosed is a copy of my identification for verification purposes. I kindly request that you provide me with copies of the documents currently in your possession, as of today 's date, that were used to verify the accuracy of the accounts listed below. As per the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to request the disclosure of all documents recorded and retained in your files concerning these accounts at the time of this request. I urge you not to simply confirm the verification of these accounts but, in accordance with my rights under the mentioned act, to furnish me with the actual documents used for verification. If, upon review, you find a lack of documentation in your files to validate the accuracy of these disputed accounts, I insist that you promptly delete them as mandated by Section 611 ( a ) ( 5 ) ( A ) ( i ). The inclusion of these inaccurate and unverified items on my credit report, distributed to third parties, has the potential to damage my reputation and creditworthiness. According to FCRA 15 U.S.C. 1681i, all unverified accounts must be expeditiously removed. Therefore, if you are unable to provide verifiable proof for each of the accounts listed below within 30 days of receiving this letter, I request the immediate removal of the account from my credit report. 

XXXX XXXX XXXX Account : XXXX I appreciate your prompt attention to this matter and your cooperation in providing the necessary documentation within the stipulated timeframe. Your assistance is crucial in resolving these discrepancies and ensuring the accuracy of my credit report.
Product: Mortgage

I recently went through a very bad divorce that devastated me emotionally and financially. Due to the liquidation of assets and monies paid through the process I began struggling to keep up with my mortgage payment and ended up defaulting. I am contacting your organization because my lender SLS has refused to open an inquiry into my situation and has failed to provide me with any information that would allow any sort of reconciliation process to begin. 

I bought my property in XXXX and refinanced in XXXX into a very bad adjustable rate loan with a rate that starts at 6.97 % and can only adjust up that had a two year prepayment penalty. I have been told that these type of loans are no longer allowed because they are not " qualified mortgages '' and they are predatory and the lender issuing them is potentially liable. Even though I have this loan with a high interest rate and increasing payment I have paid as agreed on this loan for nearly 10 years. As I mentioned I went through a painful divorce which hit me hard, affecting my income and my ability to pay my bills. I had no option to refinance due to depreciation of the property and ended up falling behind on the loan. 

I reached out to SLS at that time in order to try and get reviewed for in house and government programs that would give me the opportunity to get back on track with the mortgage. I spoke with agents at SLS and was told that they would be willing to help me and that the forms I needed to fill out and complete would be sent to me. After several weeks went by, I reached out again to try and get these forms sent but still could make no progress. As I got back onto my feet financially I reached out and attempted to make my regular monthly mortgage payment but was told that SLS would not accept anything other than the full amount past due. 

Since that time I have been trying to get a conversation or process started with SLS that would allow me to get my rate and payment lowered and get into a more stable loan that does not constantly increase. However, I have been stonewalled and obstructed by the SLS staff and have not even had a review opened ( to my knowledge ). I am gainfully employed as a XXXX, and my live in girlfriend works as well and contributes financially. I believe that if SLS were to actually review my information they would see that I qualify for the retention programs that were funded by the government -- but the problem is I ca n't get their attention onto my case. 

I realize that this is my fault and that I am behind on the loan, but I am not in a position to repay all of the late payments in one payment, which is the only option SLS has given me. I believe there are other options available, unfortunately SLS has not even given me access to these options and that is why I am filing this complaint.
Product: Credit reporting or other personal consumer reports

This complaint to XXXX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX I sent proof over 5 times in the past year showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/2024. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, XXXX code XXXX a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than XXXX business days after the date of receipt. it has been 30 days and you are in XXXX of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under XXXX XXXX XXXX XXXX permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency XXXX furnish a Consumer report under the following circumstances and no other. ( XXXX ) in accordance with WRITTEN INSTRUCTION of the XXXX 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. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from XXXX and transunion ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC needs to immediately delete this off of my report!! I have XXXX public records ( Bankruptcies ) appearing from Trans Union LLC.. I have contacted the court who confirmed they do dont verify information and that its no way that this was verified from the court which is either an error or a lie!! I was told by Transunion that this was verified by the court when I asked for the Method of verification!!! I have previously disputed this item but I am still being told by Trans Union LLC verbatim and I know that all calls are recorded!! I was told verbatim that this information was verified with the court however, the Clerk of the XXXX  XXXX  court and the XXXX  XXXX XXXX XXXX  states they do not verify anything!! XXXX XXXX also states its no Bankruptcy at all attached to me therefore this is an error or a lie that needs to be deleted off of my credit report immediately!!! 
therefore Trans Union LLC a reporting information is either an error or lie according to the FCRA section 611-15-USC Section 1681, XXXX  XXXX XXXX XXXX this information ( both public records bankruptcies should be deleted immediately )!! XXXX and XXXX have already removed this off of my Report!! If both bankruptcies are NOT immediately removed off of my report.. I have the right to Retain a Consumer Rights Attorney as well as a fair credit report!! This was not properly verified!! Therefore should not be at all appearing on my Report!! I have enclosed the documentation from the Bankruptcy court stating they do not verify, they do not report to Transunion or any other Credit Bureau for that matter therefore it needs to be immediately deleted!!
Product: Debt collection

I became aware when I checked my credit report that this debt collector under the name of XXXX XXXX XXXX has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting or other personal consumer reports

I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

XXXX XX/XX/year> CORELOGIC CREDCO XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, XX/XX/XXXXand experian. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. XX/XX/XXXX says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down andXX/XX/XXXXjust refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed this situation to my attorney and XXXX is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. XXXX, Equifax, and XXXX are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX XXXX straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX usc XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.