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

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX - {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX : {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report a Fair Credit Reporting violation. 

My XXXX XXXX XXXX balance for XX/XX/XXXX was {$6100.00}. 

The XXXX XXXX XXXX Account deleted from Experian credit file : XXXX XX/XX/XXXX ; after numerous disputes. 

The XXXX XXXX XXXX account was re inserted into my credit files XX/XX/XXXX, over one ( 1 ) year after the deletion of XXXX XX/XX/XXXX. 

The re insertion included a higher balance than the original balance of {$6100.00}, XXXX XXXX XXXX reported to credit bureaus. 

The re insertion balance increased to a balance of {$6600.00}. 

I received no notice of XXXX insertion of this account from Experian, XXXX  or XXXX XXXX XXXX for the XX/XX/XXXX XXXX insertion of the " deleted '' XXXX XXXX XXXX, previously disputed late payments/repossession.
Product: Checking or savings account

Not receiving Direct deposit since XX/XX/year> when it was supposed to post around XXXX
Product: Checking or savings account

On XXXX XX/XX/year> I attempted to login to the USAA mobile app. Due to upgraded security protocols USAA requires a text message verification, unfortunately they had my old phone number assigned. Since I couldn't verify, USAA locked me out of my savings account, personal property insurance account and my auto insurance account. 
My truck is due for State inspection which expires on XXXX XX/XX/year>. I had to cancel my XXXX XXXX appointment as I have no proof of current insurance without access to the USAA app. 
I have called 7 times to USAA with no help other than to go to XXXX to upload pictures of my State issued Drivers License to access my accounts. 
I did that, and the site had a message that it was broken and I should call USAA number provided. Zero help when I called and informed them. 
USAA then stated I could send photo copies of my license via postal mail. Which would take me past the XXXX of XXXX and subject me to vehicle code violations. 
I attempted numerous times to access the verify site. I called numerous times and received zero help. 
Finally on XXXX XXXX in the evening I was able to successfully upload pictures to the verify account. Today, XXXX XX/XX/year> I received a call from USAA stating they rejected the photos as they were blurry, which is XXXX. 
I resubmitted the pics today and was told if accepted it will take another 3 days to verify my identity. 
I pay for these accounts. I get online security is important but to have only one method of verification and a broken verify site is wrong. I have email, I have a phone and a voice. USAA refuses to verify other than text messaging. Discriminating against persons with cell phones or those who peeler email. 
I demand USAA provide me access to MY accounts asap. This is not okay.
Product: Checking or savings account

I was scammed out of {$3000.00} from a merchant. I was told my multiple representatives that I would receive a provisional credit after 10 business days. Never received credit after 10 business days, called on the 10th business day and was told by a supervisor that I would receive credit within two days, after not receiving credit i called and was told I would not be receiving provisional credit for the fraud on my account. I am currently being evicted due to funds being held.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending reports and made it clear I was identity thefted. They have ignored every report, every dispute over 100x, complaints, disputes and reports all ignored.

I am being Discriminated against, for my color, my disability, my gender, my Sexuality, my age. They have caused me to be homeless for over two years now. I am filing civil rights
Product: Checking or savings account

In the past 12 months Bank of America has charged my accou nt $     XXXX    *15   t imes. In a majority of the cases Bank of America will hold larger debits run the lower amounts charge me a fee and then the larger amounts will bounce because of the fees that they take out of my account. This month alone it has happened 3 times.     I transferred {$200.00} to cover my car paym ent on  X/XX/2017 . There was a credit pending on my account for {$38.00}. Bank of Am  erica held the credit of {$38.00}. Charged me a {$35.00} fee and the {$200.00} carpayment rejected. While some of these fees are legitimate as I am a single mother - recently divorced and experiencing financial hardships- the amount of fees charged on my account has been the cause of other transactions going into NSF status. They have taken so much money out of my account making my situation so much worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX accounts XXXX, XXXX and XXXX h

as violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

XX/XX/XXXX : I took a XXXX XXXX class at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. The school assured that if you dropped out of the class before the 1st exam, that you would not be liable for the {$1500.00} tuition. I dropped the class and didn't hear anything from XXXX XXXX XXXX I started receiving bills from XXXX , which quickly escalated to letters from NCS PLUS Incorporated, a debt collector hired by XXXX . I made several calls to the XXXX bursars office about the bill and they informed me " they have nothing to do with it '' and that I have to deal with the specific XXXX school at XXXX to dispute the amount. I made several calls/emails to XXXX 's school XXXX XXXX XXXX XXXX and never received a response. 

XXXX-present- Made several attempts to contact XXXX bursar 's office about the issue. I informed them that I am attempting to dispute this debt, but neither the bursar or the individual XXXX school knew how to deal with the situation and nobody responds to my calls or emails. The bursar transfers me to someone in the office that deals with " collections '' and that person never gets back to me. They keep referring me back to XXXXXXXX XXXX XXXXXXXX XXXX XXXX, which never calls me back. 

Furthurmore, the pandemic hits and for the past 4 months it's impossible to contact XXXX or their debt collector NCS PLUS incorporated. They don't answer the phone at all ( NCS # XXXX ). 

XXXX XXXX I get a letter from XXXX XXXX debt collector saying that they are going to report me to the credit agencies if I don't pay. I try to call them ( they provide no email ) several times to tell them I am disputing this debt with XXXX. Nobody ever answers their contact # ( try it right now for yourself ). I call XXXX and tell them I am still disputing, can someone help? I can't get in contact with anyone for the past few months. The bursar tells me " keep trying with the XXXX XXXX XXXX ''. 

XXXX XXXX My wife and I are in trouble because of the pandemic so we are trying to refi our house for a lower payment. We both have excellent credit. My mortgage lender informs me that I am unable to refi because my credit score went down significantly in the past month. I quickly run a report and see that on XX/XX/XXXX, XXXX reported me to the XXXX  credit bureau which destroyed my credit and is horrible for us at this time. 

The gross mismanagement of XXXX and it's debt collector in this instance is unbelievable. After months of attempts by me to contact them and resolve, they still report me as " in collections '' to the credit agencies. I made every attempt to reconcile with them but because of their lack of knowledge of who is responsible to even dispute with, they let it fall through the cracks. Also, the pandemic has reduce their staff at the office and at the debt collector which rendered it impossible to speak to anyone for months. There is no answer at the debt collector number at all. I have since paid this debt ( even though I still dispute it ) just as an attempt to repair my reputation here. I have a 25 year perfect credit history for the most part.
Product: Payday loan, title loan, personal loan, or advance loan

They sent a file I did not sign, the payments were {$130.00} a month on XXXX I signed however they are charging twice that amount monthly and outrageous fees have been added.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

Equifax has repeatedly refuse to delete hard credit inquires on my credit report stating that credit inquiries are a matter of factual data
Product: Credit card or prepaid card

On Thursday, XX/XX/2022, I received an unsolicited SoFi Mastercard credit card in the mail at my home. The card was in my name and sent to my home. I did NOT request this card. 

On Friday, XX/XX/2022 at XXXX EST, I called the SoFi credit department to make a complaint. I was transferred to someone in Credit Fraud who closed my account and submitted my case to the SoFi Security Team as well as to XXXX, XXXX and XXXX. I was given the email address of the SoFi Security Team ( XXXX ) in case I needed to ask any further questions and was also advised to contact the CFPB to notify you of this event. 

On Thursday, XX/XX/2022 I also received an unsolicited SoFi Mastercard debit card in the mail at my home. This card was also in my name, though I did NOT request it. I was told by the SoFi credit card fraud department to speak with their Banking and Finance department about that case. I was also told by CFPB to submit a separate complaint about that card.
Product: Mortgage

My Mortgage should have been paid off in XXXX. We started paying on XX/XX/XXXX at {$230.00} for 300 months.The original mortgage company was XXXX XXXX, now it is Shellpoint.. The summer of XXXX we called Shellpoint and asked why we still owed {$8000.00} and they could not tell us why we still owed. They will not call back, or send us a bill. They have not sent a bill since XXXX but still charging {$240.00} monthy.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name XXXX XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. 

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

In 2023, my Social Security card, ID, birth certificate, and passport were stolen from my home. I have been in the process of repairing and building my credit in order to hopefully buy a house soon for my family. I also want to keep good relationships with my creditors. Upon reviewing my credit reports, I noticed there were names and addresses reported incorrectly, as well as accounts and inquiries for things I did not apply for or receive any product for. My name is reported incorrectly. There are several addresses that do not belong to me on my credit report. There are inquiries from XXXX, XX/XX/year> XXXX XX/XX/year> XXXX of XXXX XXXX in XX/XX/year> XXXX XXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  of XXXX XXXX, XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/year> and capital XXXX XX/XX/year>. According to XXXX my information has been breached over XXXX times on the dark web, I have filed a Police report with the XXXX XXXX police department. I have already taken steps by contacting Equifax, XXXX XXXX, and XXXX by letter. I really want to get this resolved as quickly as possible. This has been very stressful for me and I will just like to move forward with my life. Please contact me if you have any questions or concerns. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX  XXXX Account Number - XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter.
Product: Mortgage

Shellpoint Mortgage Servicing acquired our mortgage loan XX/XX/XXXX that I have had for 13 years. I have never had an issue or late payment until then. Their billing was often delayed and partial amounts. However, I sent the payment for amount billed usually within a week of receiving the invoice. Shellpoint admitted that they were having problems with billing amounts and timelines. 

The following are when my checks cleared on this loan. Again, for the amounts that were billed. The last payment to the previous holder, XXXX XXXX was XX/XX/XXXX for {$180.00}. The following are to Shellpoint Mortgage. 
XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$180.00} ; XX/XX/XXXX {$110.00} ( this was not billed ; amount given by phone ) ; XX/XX/XXXX {$1600.00} ( this invoice had 3 monthly payments due -- first notice I received on this amount ) ; XX/XX/XXXX {$610.00}. Have continued with monthly payments on time. 

It appears they are reporting the XXXX payment late to the credit bureaus. I have contacted them 10-12 times without resolution. I was originally told that they were correcting in inaccurate late payment, but has not been done. 

Shellpoint Mortgage Servicing is a rogue mortgage servicing company. They have 565 complaints by XXXX XXXX XXXX, over 200 negative reviews on XXXX and were sued by the Massachusetts Attorney General and settled for {$4.00} million on XX/XX/XXXX for violations of regulation.
Product: Checking or savings account

Key Bank, XXXX Ohio. Account ending in XXXX On XX/XX/XXXX using a 3rd party ATM I withdrew {$100.00} from my checking account. What I did not realize was that this caused an overdraft of {$72.00} since this was not my main checking account. When I next attempted to withdraw money the ATM told me there were no funds available and I assumed that the account had gotten to the point that the monthly maintenance fees had used up any remaining funds. I did not attempt to use the account again. On XX/XX/XXXX Key Bank transferred {$100.00} from a Cash Reserve account to cover the shortage ( XXXX ) in the account and also charged a {$2.00} ATM withdrawal fee for the transaction on XXXX. This left a balance of {$24.00}. On XX/XX/XXXX a monthly maintenance fee of {$7.00} was charged making the balance {$17.00}. This {$17.00} was then applied as a payment to the XXXX XXXX account bringing the balance to {$0.00} in the checking. On XX/XX/XXXX a {$7.00} maintenance fee was charged and since the account was at XXXX another {$100.00} was transferred from the XXXX XXXX account. So {$100.00} transferred to the checking minus {$7.00} left {$93.00} back in the checking. Random dollar amounts were then taken out of this to pay the XXXX XXXX account. At no time was I receiving any statements to alert me to this. This went on until I began getting phones calls from Key bank that I had a past due balance. I ended up having to pay {$400.00} on XX/XX/XXXX to keep from getting any more late fees and late notices on my Credit Report
Product: Credit reporting or other personal consumer reports

I walked into the dealership at XXXX XXXX Indiana 3 months ago and tryed to trade my car in they said that wouldnt be a good ideal and told me jus apply for another car loan and use my business name so I did 3 weeks later the car came up on my personal credit report after I told them Im in the process of building property they reassure me that it was in my business name but that was false information just to get a sale
Product: Debt collection

Upon checking my credit i noticed an account listed from a previous apartment complex called XXXX XXXX in XXXXXXXX tx. The collection agency reporting the {$5200.00} debt was Alexander Rose also respectively located in XXXX. The lease was from XX/XX/XXXX to XX/XX/XXXX, a 1 year lease. The lease was satisfied according to agreement however inflated and unlawful charges were applied, i contacted XXXX XXXX in XX/XX/XXXX and spoke with the property manager and discussed multiple instances of this as reported to the XXXX. We agreed upon forfeiting the security deposit to settle any and all past due charges. Fast forward to XX/XX/XXXX and its still reporting as past due and the amount is {$5200.00}. I reach out to alexander rose inc. In XXXX of XXXX asking for validation. They told me debt was valid and must be paid. XXXX XXXX, the original creditor was SOLD in XXXX and now belongs to new owners called XXXX XXXX Alexander Rose is and has been trying to collect money fraudulently dye to the fact tey DO NOT have a current contract with XXXXXXXX XXXX and Alexander Rose does not own or have purchased the alleged debt as it states on their website. I have never signed a contract with Alexander Rose so they do not have authority or authorization to collect. If i was to pay alleged debt Alexander Rose woukd pocket 100 % of revenue as there is no one for them to pay. An email conversation dsting XX/XX/XXXX with original creditor XXXX XXXX property manager XXXX XXXX reveals they have NO Record of my account and contacted corporate offices which also confirmed no debt with XXXX XXXX. Akexander Rose has violated the FDCPA and FCRA and should be fined accordingly and my account deleted and removed from all credit reports immediately.
Product: Student loan

I was loaned money on a false degree. I was also not made aware of how much I was being loaned. Then my loan was sold and I have been charged interest at a higher rate than agreed ... as I was not aware of any rate. Also charged while in school and serving in XXXX.
Product: Mortgage

Reverse Mortgage Solutions/PHH has not been a good experience. The company has been difficult to work with from the beginning. There has been no one assigned to us as a case manager. Documents do not reach us in time, yet we are to expedite them in short time. 

When we entered this agreement we were to satisfy XXXX points : Our home is our major residence We are still alive ( XXXX and XXXX ) The property has not been sold. 

Back in XXXX we signed a repayment agreement for our XXXX tax bill. The agreement was signed and payments sent. XXXX weeks ago XXXX of the checks was returned without explanation. When we called they demanded {$6000.00} in full or the house is auctioned on XX/XX/XXXX. What happened to prior notification? We began payment to the county for our XXXX taxes ; they superseded our payment, breaching the contract in XXXX, claiming that the breach was our fault because they paid the bill. If there had been contact made to us, as to how we would handle our taxes for XXXX, there would have been no need for RMS/PHH to pay our tax bill. RMS/PHH is the mortgagor and the collection agency. How can that be?? We had less than 2 weeks notification. There must be a law against this action.
Product: Debt collection

XXXX   XXXX ,    2016  amounts is {$1400.00}.   I have contacted the company to dispute this debt because the school issued out money I was not due and I should not be held responsible for this error on their behalf.