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

I had a personal loan with Springleaf financial ( now doing business as One Main ) in the years of XXXX-XXXX. During these years I maintained a perfect payment history. Included in my monthly payments was an additional fee for payment protection. The protection program is offered to borrowers that opt in to help them pay their monthly payment in the event of loss of employment or disability. In XXXX  XXXX, I was laid off from my job and initiated a claim with XXXX XXXX ( payment protection ). After months of endless phone calls and communication via mail, my claim was denied. XXXX explained that this was due to me not being approved for unemployment benefits, which makes absolutely no sense, if I had income from XXXX, I would not need the payment protection. I paid for this protection for over 2 years and was not able to use it when I most needed it. This company cheated me and basically stole my money. They charged me for a service they did not provide. To make matters worse this company is reporting negatively every month to the credit bureaus even though they state I have a XXXX balance and that my account is charged-off and sold to another lender ( who I do not have a signed contract with ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions.

I have never shopped or did business with this company, XXXX. I have never had an account with them.
Product: Mortgage

Hello - I just realized, after reviewing the latest escrow shortage document from  Flagstar Bank, my mortgage lender, that I 'm being charged mortgage insurance. I should not be paying mortgage insurance as my principal to house value is currently at 62 %. I 've calculated that Flagstar owes m e {$6100.00} in payments for mortgage insurance that I should not have had to make. Please see the uploaded document for the calculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, XXXX, and experian ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed this false report. 

Experian need to remove XXXX XXXX. I have had no service to that would account for {$4600.00} bill. Its a XXXX  service. what could possible cost {$4600.00}? 

It is a false and fraud claim. Please remove it ASAP.
Product: Credit card

I noticed a while a go on my wellsfargo.com account that my XXXX Rewards are " unavailable ''. I finally decided to give them a call to figure out why that is. 
When I called I was told that my XXXX Rewards were connected to a wrong account ( not my credit card ) and that they 'll look over my history and give me all of the points that I should 've have acquired over the years but did n't because of their mistake. I was told that a manager will look at my case and give me a call. Sure enough I received a generic phone call from the XXXX Rewards people on XX/XX/XXXX the message left told me it was in regards to my claim and that I should call back. When I called back the phone operator told me that my claim is resolved and that I should see my statement reflect that when my billing cycle restarts. When it restarted I only had about XXXX XXXX Rewards. The amount of rewards that I acquired in the month of XX/XX/XXXX. I called Wells Fargo Rewards again to see what is going on. I was told that I opened my XXXX Rewards on XX/XX/XXXX, the date I initially called to figure out why my points have been " unavailable '' for as long as I have had the card which I got in XX/XX/2006 ( says it right on the card ). I tried to explain to the person on the phone what is going on that they made a mistake ... after some back and forth and sitting on hold for 15 min I asked them to make sure they did n't open another credit card in my name without my approval ( WF has a history of doing that ). I was told that there is only that XXXX credit card in my name and that there is too much history to look through for the person that was on the phone with me after which she gave me a fax number ( XXXX ) and a XXXX NC that I should contact. When I asked for a phone number I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$420.00}, XXXX XXXX XXXX Balance : {$270.00}, XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I dispute the collection accounts and both accounts came back verified. So I asked for proof of the investigation which I did not receive at all.they had 15 days to do so.

In accordance with the fair credit reporting Act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 usc1681 has violated my rights. 
XXXX XXXX XXXX account number XXXX and XXXX XXXX, XXXX and mont account number XXXX. XXXX usc XXXX section XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX,
Product: Credit reporting or other personal consumer reports

I noticed billing errors on my credit report showing late payments that don't match my usual history. Please correct them.
Product: Debt collection

I got a letter from USCB America about a debt that is not owed. The Doctor charged me twice for the same bill and my insurance paid the bill. They are still trying to say I owe it, but I was charged twice when I only aw this quack once.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXX services *** XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Furthermore, please provide the following : 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these fouXXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

I have reported the inaccuracy of this account to Experian, XXXX and XXXX more than three ( 3 ) times. Yet XXXX, XXXX and experian continue to report the inaccuracy of this account by negligently and recklessly including the correct amount of the balance to include the cents in the XXXX system and XXXX systems. Specifically, XXXX, XXXX, and experian have violates my rights under 15 USC 1666 and 15 USC 1681, and FCRA, FDCPA and UDAAP. Attached are the statements for XXXX XXXX  XXXX which includes the cents yet it is missing from my credit report. Each attached statement reflects a " new balance '' that includes BOTH the dollars and cents amount due. That information must be reflected accurately on both my credit report and in the credit file.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company Santander was contacted for reporting misinformation on my credit report, both XXXX and XXXX  were contacted as well to verify the information on file. The bureaus stated that they could not remove the information provided by the company Santander. The account is currently in charge off status, the written off amount was for {$6600.00} however the listed amount says {$7500.00}. When an account is in charge off status it is not supposed to accrue any fees or interest. Between the two of the bureaus, each of them show misinformation about the accounts, in which it's causing derogatory marks on my report giving it a negative impact. While I understand that each report may not 100 % reflect that of another report, if the same information is being reported to each of the bureaus then the reports should reflect this.
Product: Debt collection

I had been using PayPal.com for XXXX XXXX XXXX for several years. After some problems in XX/XX/XXXX, I stopped using PayPal.com and began using XXXX. I had forgotten to close my PayPal account. In the last week, I have been receiving several calls from PayPal/Potential Scam and they never left a message. Yesterday, XX/XX/XXXX, I received a text message that reads : PayPal : Action needed on your account. Please go to XXXX XXXX XXXX or call us at XXXX. Reply STOP to stop text messages. 

I looked at PayPal and discovered the payments I was owing were all payments that I paid with a new card, after I was scammed at my bank. I then called this number in the text and told them the fees PayPal was asking for were already paid. The person I was talking to kept asking for the last 4 digits of my Social Security card. I finally hung up the call. 

I have received confimation that these payments have all been made, but they are not showing up on my bank account. I told the bank about this and am going over later this afternoon to explain more to them. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XX/XX/XXXX I received verification via email that Shellpoint had received my ex -husband 's loan modification and that we had provided all the requested documentation to show that I was no longer associated with the property. XXXX XXXX confirmed that my name would be removed from the loan with the modification. 

On XX/XX/XXXX I received a notice from XXXX XXXX, an attorney 's office representing ShellPoint, regarding foreclosure. I contacted the office via email. The attorney 's office was unaware that I was not to be associated with this loan. 

ShellPoint has used unethical tactics, such as reporting incorrect information on my credit report after bankruptcy discharge. When I followed their process I sent a dispute 3 times online, and spoke with a representative. I never received a response from the online dispute process, and the representative I spoke to told me that they could legally reopen a mortgage in my name and report it on my credit even with a bankruptcy discharge. 

They also repeatedly denied we had sent them all the information they needed, such as the quitclaim deed, divorce papers, and bankruptcy discharge, event though it had been submitted via email, online portal, and certified mail. This was a tactic to not acknowledge that I was no longer associated with the mortgage. 

I am requesting that ShellPoint send me documentation that my name has been removed from the mortgage, as they said they would last XXXX, and stop contacting me regarding attempts to collect a debt from me, which is against federal bankruptcy law. 

I am attaching the email thread with the conversations, that confirm they did receive the required paperwork and loan modification from my ex-husband, and that they said they would remove my name from the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account on my account from XXXX XXXX XXXX. This account has not been validated. I would like this account deleted immediately. Its against the a FCRA to added false information on my credit report. I Would like this item removed. There will be attachments that was sent to me from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX CXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Phone was stolen and someone hacked my checking account. Both my account and my wifes account. 

They have refunded the fraudulent charges to my wife but not to my account yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Recording Act XXXX XXXX XXXX XXXX XXXX  has Violated my rights XXXX XXXX XXXX XXXX A third party Agency. 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. This account Shows on my credit report as a Charge off and Per the IRS Publication 4681 States, " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return '' I have attempted to get this off of my credit report can you help me
Product: Checking or savings account

On XX/XX/2024 I made a mobile deposit in the amount of {$25000.00} in the form of a cashiers check into my Navy Federal checking account. This was a third party check. Prior to making the deposit because it was a third party check I called and asked the bank if there were any special or additional tasks that I would have to complete, I was informed by the customer service representative that I just needed to make sure that the other party had signed it and that I had signed it, and that the third party wrote on the back of the check " pay to the order of XXXX XXXX. I did as they asked. I was told by the bank that they needed a hand written letter from myself and the third party explaining the circumstances of the check along with a copy front and bank of both of our ID 's. I sent in this information to them. They told me that they denied my request and had me fill out another form. I had done this as well. Every time I call in to check the status of the deposit they tell me they need me to send in more documentation and letters. 
I spoke with the issuing bank and they had told me that the cashiers check had been redeemed and paid out to my account on XX/XX/XXXX. The funds have cleared and I have sent in all the necessary/ requested documentation, and they keep sending me on endless tasks. I don't know what else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$69000.00}
Product: Mortgage

This company is a scam. They have tried to add fees cost and other charges to the monthly billed. I have been paying by cashier check and having the post office send certified so the I have time and date. Your offices have not helped me in the past and I will start sending this daily if that will help keep someone look at this. Enclosed is the last payment and it was not late or not on time. This company then trys to report late to the credit bureaus. This information is wrong!
Product: Credit reporting or other personal consumer reports

I ask my car loan company why my payments hasnt reported to my credit report in 5 months I havent got an answer and as of today my on time payments of months hasnt reported to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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

On Monday XX/XX/XXXX, I wanted to check my credit score through the advertised 'free ' link on my XXXX online account. It directed me to TransUnion and required me to enter my bank card information as well as other private information in order to check my credit score. The process was very deceiving and when I clicked the button to receive my advertised 'free credit score ' I was charged XXXX for their monthly credit monitoring program. The site design, fine print, and way of advertising the free credit check was very deceiving. I was able to call Trans Union ( which was VERY difficult to get through to ) and was told it would be refunded and my account was canceled. I have yet to receive the refund.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an order on the XXXX website was made by mistake, the order was received on XX/XX/XXXX which was canceled the next day in the XXXX store located in XXXX XXXX. The refund takes about a week because this product belongs to third parties. This purchase was made with a XXXX XXXX credit card which reported an overcoming with this purchase, this purchase was really a mistake and the cancellation was made the next day that the order was received. This transaction no longer exists on the credit card but this was reported to the credit bureau which made XXXX points down my credit score. I would somehow like to solve this situation and receive these XXXX points again and that this transaction does not affect my credit history.