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

Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was deported out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in XXXX yrs and XXXX delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not breath properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can breath and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.
Product: Mortgage

Cit Bank is reporting a mortgage I had with them as a foreclosure being started on XXXX. This was never a foreclosure nor did one start. SEE ATTACHED DOC
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion previously about inaccurate and fraudulent information showing on my credit report. XXXX is in deliberate violation of the Fair Credit Reporting Act. I have provided XXXX with proof that they are reporting inaccurate information, but they chose to still report the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}
Product: Credit card or prepaid card

For a few months in XXXX I struggled to pay my discover card. In XX/XX/XXXX, I enrolled in Discover 's payment plan to bring my account up-to-date. Since then, I have now brought account current. However, my card was suspended due to the missed payments in XXXX. 

I understand that it's important for organizations like Discover to have trustworthy clients. My personal hardships caused me to miss payments and tarnish my previously stellar relationship with the company. I'm asking for a second chance and have my card/account unsuspended so I may continue to develop my relationship with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INFORMATION SOLUTION aka EXPERIAN is improperly using my credit report by including inequitable " transactions and experiences '' aka personally identifiable financial information as defined by 16 CFR 313.3 ( n ) ( 1 ) ( i ) and 16 CFR 313.3 ( o ) ( 1 ) & ( 2 ) in my consumer report which should be EXCLUDED according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) that it received from its data furnishers fraudulently, as none of them had or have my consent to share my information with EXPERIAN.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My wife made a online purchase for vitamins for XXXX dollars this company charge my card card that amount but continue to keep charging my card. I called my credit card company as soon as I realize what was going on. And told them what had happen I was charged XXXXAfter the 1st charge I inform the card company and told them it was fraud. I have been trying since XXXX to get a refund the merchant kept giving me the run around and never refund me on cent. At first the credit card company put the money back on my card while they investigated the charges.They asked me for a receipt but I told them I never receive one it was done over the phone online. In the meanwhile in that 60 day period I never received my package so I asked the credit card company to help get all my money back. unfortunately in the 60 day time limit I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so i missed the time i was i could not appeal and i was liable for the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple incorrect and unverified accounts and information being reported on my equifax report and incorrect score being reported which caused damage to my credit profile
Product: Mortgage

I purchased my condo in XXXX and the lender sold the mortgage to Chase Bank. For the 2nd year in a row, despite receiving billing from my insurance agent, Chase Bank did not pay my mortgage insurance, causing my policy to go into termination due to non-payment. 

The first year, Chase worked it out and paid. But two year 's in a row is not acceptable. This time, on XX/XX/XXXX, they claim they overnighted a payment, but the are unable to find any identified shipper nor tracking number, and XXXX XXXX company has still not received the payment. Chase is unable to find in their system if the check was ever cancelled. 

At this time I am without homeowners ' insurance, which puts me at great risk. 
Date notice sent from XXXX to Chase : XX/XX/XXXX, due date XX/XX/XXXX Chase claims they received, but states the bill had no amount on it, yet would provide no proof of that. My copy had the amount on it so I don't believe them, especially not XXXX years in a row. 
Amount of the bill : {$320.00}, cancelled effect XX/XX/XXXX When I contacted my agent, XXXX XXXX, today, they stated XXXX had not received the payment. 

The supervisor I was transferred to stated it looks like the payment was not actually sent. He is investigating further but would not guarantee a resolution today, which I demanded given the situation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

According to the Internal Revenue Service ( IRS ), a charge-off is classified as ordinary income and should not be reported on a consumer report. Additionally, I have not received a 1099-C form, which further indicates an inaccuracy in the reporting and constitutes a violation of 15 USC 1681eb .
Product: Credit reporting or other personal consumer reports

i have XXXX collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries and late payments wont come off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.
Product: Debt collection

The XXXX XXXX, our local newspaper, asserts we owe them a debt because we chose not to renew a subscription. Their price kept going up, their product quality kept going down, and we let the subscription lapse. For the next 90 days, they continued delivering the paper to our door. During and after that, they repeatedly sent invitations to renew. The most recent said You recently canceled your subscription Were inviting you to re-subscribe with this special [ price ]. In the same invitations, they demanded payment for the 90 days and threatened debt collection. Now their debt collector A.R.M Solutions demands payment and threatens our credit rating. This is nonsense. 

Any company that sends unsolicited sample products to encourage potential customers to buy has no contractual claim to payment for those samples. This is XXXX XXXX XXXX The XXXX cant both recognize we canceled the subscription and demand payment for issues we didnt request. This is outrageous and illegal. We will reply to ARM immediately after complaining to relevant regulators.
Product: Debt collection

Twice I have made large additional Principal Only payments the Shellpoint Mortgage Servicing, in addition to regular monthly payments, and both times now those payments have been incorrectly applied and/or applied at a much later date than received ( back shows date chased ). I have filed multiple complaints with the company, the first one they corrected, the second one is ongoing and they do not respond other than " we are investigating your complaint '' The supposedly " corrected '' the payment, but applied it nearly a month after receipt, thereby charging me interest fraudulently in at least 2 following payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB : XX/XX/XXXX | XXXX : XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Current Employer : XXXXXXXX XXXX XXXX  I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Section 605 of the FCRA : This section prohibits the inclusion of outdated information in credit reports. Please ensure that any outdated information not meeting the FCRAs timing requirements is removed.

Section 623 of the FCRA : This section requires furnishers of information ( creditors and others ) to report accurate information and to verify this information when it is disputed by the consumer.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX  XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit report from Equifax. I saw that my job classification on the report was 20 years old and i contacted them to update/change it. I have been receiving email notices from Equifax that states i am able to view the status of my dispute ... but for 5 weeks i have tried to access " view status of dispute '' on their website and have gotten " Service unavailable at this time. Please try again later ''. My complaint here is more about their sham web access than my original dispute about job mis-classification. I'm one taxpayer that thinks Equifax board members ought to be in jail for PII breach. I fully support the work that you do. Thank you
Product: Credit reporting or other personal consumer reports

Disputed several accounts on my credit report that were inaccurate and they came back and said the accounts belonged to me and they are valid and verified. It is impossible for them to validate certain accounts because I never opened them and I also am a victim of identity theft but the credit bureau seems to not take it serious when I make a dispute about an account. They seem like they don't care what we submit in for proof or anything because everything always comes back verified and accurate as if they just press a button to give that message and move on to the next customer. This is totally unacceptable that I have to carry these bad marks on my credit and I didn't even put them there. Transunion please do your job thoroughly and take the proper steps that are supposed to be taken with disputes submitted. If this doesn't get corrected with this complaint then I would be forced to take other actions that could result in a law suite for incorrectly reporting my information and defamation to character. I have sent in paperwork verifying me because they even have my Transunion account suspended and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that were open without me knowing i reached out to Equifax, XXXX, and XXXX numerous times and they still haven't responded or do what they promise to do
Product: Credit reporting or other personal consumer reports

I am writing to you in regards to the same issues addressed in the lawsuit have been affecting my own credit report and disputes with XXXX. 

Despite my repeated efforts to dispute and correct inaccurate information on my credit report, there are still discrepancies present that have not been resolved. This is unacceptable and goes against the rights afforded to consumers under the Fair Credit Reporting Act. 

Specifically : -XXXX fail to adequately convey All Relevant Information to Furnisher -Reinvestigation even when presented with information suggesting that the furnisher Unreliable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX XXXXXXXX, I received a solicitation for a credit card with 25 months 0 % APR. However, once I got approved, the disclosure stated that I would only get 20 months of 0 % APR, expiring XX/XX/2025. Because I chose this card, I forewent other cards with much better benefits ; this card had no cashback or points, which I only accepted because of the long no-interest period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Bank Of America, N.A Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

This is in regards to a Victoria 's Secret/Commenity Bank Card that was paid in full ( {$430.00} ) & closed with a XXXX Balance on XX/XX/XXXX. 
Two months later I was charged {$4.00} interest on XX/XX/XXXX, which, I disputed and they told me I had to pay it because it was leftover interest. So, I paid it and still confirmed that the account was still closed and it would not incur any more charges. 
Again, two months later I was charged {$29.00} interest on XX/XX/XXXX. Now I am getting completely annoyed. I called in to customer service again and was told it was required and that once it was paid it would completely settle the account. I reluctantly paid it again, and, again, confirmed that the account was closed and would not incur anymore charges. 
He we are again, 2 months later, and I receive a bill of {$8.00} of interest. I have been trying to call commenity bank and they have a recording of phone systems being down. 
I was also enrolled in XXXX XXXXXXXX without my knowledge. 
This is extremely frustrating and unprofessional. 
They are fraudulently charging me as a punishment for paying my account in full and closing my account on XX/XX/XXXX. 
I have screenshots of my payments and have proof that I have closed the account. I am tired of them taking advantage of a consumer like me with no reason other than to try to milk me for more money after closing my account. Any assistance in this matter would be greatly appreciated. Thanks!
Product: Vehicle loan or lease

Global Lending LLC has been fraudulently reporting my account as delinquent to major credit bureaus, disallowing me to be approved for a mortgage, to refinance my auto loan elsewhere, or to purchase another vehicle. 

I have not been delinquent in several months, and currently have a credit with them for overpayment toward my principle. 

I have emailed and called Global Lending and have yet to receive a response from them. I called them again today to have this fix this error, and they said they will " get back '' to me next week via telephone. 

Reporting incorrect information to the three major credit bureaus is illegal and fraudulent ; they appear to be doing this so that I unable to refinance elsewhere. 

Global Lending is also fraudulently applying my principal payments toward my interest balance, despite having zero finance charges left with them. 

Furthermore, upon reviewing my Principal and Interest statement provided by Global Lending, I have been fraudulently over charged our contracted and legally binding finance charge of {$9300.00}. 

My total contracted finance charge is {$9300.00}. I have paid {$9300.00} total in finance charges, as per the Principal and Interest Statement provided by Global Lending. 

They have currently overcharged me {$69.00} in finance charges and did not apply this amount to the principle, in direct violation of our contract. 

When I asked them about this today, they calculated the math incorrectly, stating that I have paid a total of {$9300.00} of finance charge, in direct opposition of their own accounting statement. 

They are fraudulently adhering to their Loan Amortization Schedule instead of the actual payment they have received and are fraudulently stating my pay off amount to reflect the Amortization schedule rather than the actual amount. 

I have attached my contract with Global Lending, the Loan Amortization Schedule, and the Principal and Interest Statement. 

My mortgage lender can provide you with the fraudulent delinquent reporting by Global Lending at your request.