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

PORTFOLIO RECOVERY ASSOCIATES has a couple entries on my credit reports. They are false. Not my debts. Company very rude and unable to provide proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit score on the Experian website is XXXX but is showing 480 or lower on other credit score websites. This is unacceptable!
Product: Payday loan, title loan, or personal loan

I had to have emergency electrical work done in my home. I am a XXXX year old single woman who lost my job due to Covid19. The amount of the bill for the electrical work was {$10000.00}. I told the company that I didn't have that kind of money and they offered to get me financing. They called GreenSky to get approval for a credit loan. I was given a line of credit exceeding the amount needed. The work took place the week of XX/XX/XXXX but was and is not completed, and the fixed payments to GreenSky are to start @ 40 days thereafter. On XXXX I was notified via email, that there was activity on my account. GreenSky paid the electrical company, Mr.XXXX, the full amount. The contracted work has not been completed. I then called GreenSky and asked them if I was their client, of course was their answer. I then told them that any credit card company calls their client when there is a large charge that is not usual and asks for authorization for the charge. I asked them why I wasn't notified? I asked them if they were aware that the job was not completed? I asked them if they pay for services in full when a job has not been completed? I told them that they left me holding the bag in essence because Mr. XXXX is not responding to me regarding finishing the job and that now, why should they when GreenSky has now paid them in full. From their actions, it appears to me that they were doing what was best for Mr. XXXX, and not me, their client. It makes me question just who their client really is? I got no response and when I asked to speak to a supervisor I was told to take it up with Mr. XXXX. As I mentioned in the beginning, I am out of work because of Covid19 and now I have been notified by the Credit Bureau Agencies, that my credit has dropped over 30 points because of this. I called the Consumer Financial Protection Bureau and was told that of course I could lodge a Complaint but that it doesn't necessarily mean that action would be taken. I was told that there has to be many complaints before action is taken. In looking at your database, it seems that many people have complained about GreenSky. I hope adding my Complaint will result in action being taken. 
Thank you,
Product: Credit card

I was given an introductory rate of XXXX percent then increase to XXXX percent on remaining balance. However when I did not pay off the residual amount of around XXXX dollars the company LOWES and Sychrony the credit debt company retroactively charged me over XXXX dollars from 2 years back on XXXX dollars. So I was charge XXXX percent for the 2 years introductory rate on XXXX dollars and was over XXXX dollars of interest wasadded to my account. This is unbelievable. I have never had that occur ever. It was alwayys my thinking that the new interest rate start at the end of the introductory period not retroactively. There has to be something wrong here. Im XXXXXXXX XXXX XXXX veteran and this is horrible. Please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had used my information and made an unauthorized hard inquiries 1.Chase XXXX and XX/XX/XXXX 2.XXXX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Someone has stolen my identify and these accounts are not mine and I want than remove from my credit report ASAP, I have a pin number with the IRS that my Social was stolen, and I have credit alerts, and I want these accounts removed from my credit report attached the information below please review. 
Hard Inquires : XXXX / XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XX/XX/XXXX Collections : XXXX  XX/XX/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

On XX/XX/2019 an unauthorized hard pull was executed on my credit report by XXXX. I have never heard of this company, and I have not applied for any loans or mortgages. 

On XX/XX/2019 XXXX XXXX XXXX executed an unauthorized hard pull on my credit report. This happened after I answered questions about home security.
Product: Credit reporting

XXXX XXXX account is incorrectly reporting in my name. It is attached to an apartment complex address where I have not lived. Disputing from my current home address, and XXXX XXXX sent documentation showing a different name on the account. I have sent several disputes to Experian to have this removed. All I have received are automated responses.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account that has appeared on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have this unauthorized account removed. 
The account in question is as follows XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/year> Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian is reporting an address on my report that I have not lived at
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX  closed account balance shows {$340.00} open XX/XX/year>. This account has never been late and the credit reporting agencies has duty to make sure information is accurate. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a credit report is a violation. 

I demand that LATE PAYMENTS be removed from credit reporting agencies because it is also illegal to extend the statute of limitations by reporting 60 days repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I applied for the American Express XXXX card and I was approved. There was a pre-approval process in which a soft inquiry was conducted an a hard inquiry would only occur if I accepted the offer, which I did. I then saw that I could apply for a second card with additional benefits ( The Blue Cash Preferred ) and when I went to apply, I didn't see any notice or statement that said there would be a second hard inquiry so I was under the impression that since it was the same day and same bank, there wouldn't be another inquiry. However, I accepted the second card, and another inquiry was added to my XXXX and XXXX credit reports. I called customer service and spoke with XXXX who said he would transfer me to the credit bureau team who would explain how to go about removing the second inquiry. From that point on, I was transferred five times and each person I talked to said they weren't the right team. Finally, I spoke with XXXX XXXX in XXXX XXXX, Texas who placed me on hold a few times to speak with the team that would handle the matter. She told me they couldn't do anything because each application comes with a hard inquiry but I explained that I did not see a notice and disclosure that stated any application or subsequent application after the original credit application would result in a hard inquiry. XXXX XXXX told me she was creating an internal case but we got disconnected. Before we got disconnected, I explained to her that under the FCRA, permissible purpose requires expressed consent on my behalf for any credit reporting agency to furnish my report to any person. I don't know the status of the internal case at this time.
Product: Debt collection

I received a call from NCC a debt collector for XXXX XXXX XXXX. I did not have any information about the issue and no correspondence. I asked the agent with NCC to send me verification of debt. He told me to email their company. The next day I received another call from another debt collector. I asked for verification of the debt. I was told that they don't have to provide that information and the debt was owed. I have a video of the apartment after we moved. No one has responded to my request.
Product: Credit reporting

I have contract Equifax four over five month back and forth about credit report and the Inquiry on my report, some XXXX try to get credit in my name they ask me to put a fraud alert on my account I did, and they still gave out my inforamition, they told me to get a police report I did and they still will not remove the Inquiry from my account. All of The other Bureau accept the police report, I must say this is compay employees are rude, unprofessional, and liars, I was told they only way the Inquiry could be remove is with a police report. I compy they sent me a letter tell me it was factual, that what they told me when I was instructed get the police report. I written my congressman about this comapy and there and practices.
Product: Debt collection

This was a phone that I never had in my name through XXXX XXXX and it was supposedly open in XXXX XXXX the Midland Credit Management has been taking my income tax since XXXX XXXX and now they are saying that I owe {$690.00} the internal legal account no.is XXXX I called them up and they even said that they didn't even have me staying at the address at the time of the incident but my information was used for someone to get a phone and I never even had a house phone in my life but my information was used by someone else to get a phone the collection company told me that I even had a attorney and I didn't even know anything about this either this is their contact information Midland Credit Management XXXX XXXX XXXX, XXXX MI XXXX their phone number is XXXX and their fax number is ( XXXX ) XXXX The contact person is Attorney XXXX XXXX XXXX XXXX They already took my 2019 state of MI income tax of {$320.00} they have a garnishment case number of XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were creditors listed on my credit report that I had completed the debt verification process with. After having not received a response from the creditors to validate the debt I reached out to them a second time and demanded the information be sent or they discontinue reporting set information. Per the guidelines for the debt verification process. All correspondence was completed via US air mail certified. At the 45 day mark, I reached out to all three of the credit bureaus and ask them to remove the information per the FCRA guidelines for the debt verification process, Transunion refuses to remove information that has repeatedly been disputed that has been unverifiable with a creditor yet each dispute comes back as Debt verified is accurate within a day or two of the submission. If they wont respond to me in 45 days via air mail with the hopes of recovering a loss, then they clearly have not responded to the credit bureau to verify that and definitely not within 48 to 72 hour timeframe.
Product: Mortgage

The attorney XXXX XXXX did the short sale of the property at XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX. I am not complaining about his service. I am filing a complaint against SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXXXXXX. 

This Short Sale was completed XX/XX/2019. Shellpoint Mtg. listed this short sale as a Foreclosure on our Credit Report. They did rectify this error last month. However, in the mean time my husband and I are trying to get a new loan from the VA. 

Since the foreclosure was reported on the credit report the VA XXXX people have asked me to get a letter from Shellpoint stating that they made the error, even though it if off the credit report. 

The thing is that I have been sending emails, calling and sent them a request by mail for over a month with no response from them. 

I don't think that is fair to us all they need to do is to send me a letter stating that the error was their fault. 

Please let me know what if anything else is needed to proceed with this complaint. 

Not very good customer service from Shellpoint!! 


Thank You XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Used my Cash App card at XXXX at XXXX for the amount of {$7.00}, Left XXXX and traveled to another XXXX XXXX town as the first one didnt have the item I was looking for, retrieved my item from the second location ( have receipt with time and location ) when exiting the parking lot, received XXXX back to back notifications stating a balance inquiry was made. Then after those XXXX notifications within XXXX minute received another notification of a {$60.00} withdraw was made at a XXXX XXXX XXXX atm. Instantly reported the transaction and canceled my card. Called cash app for support and was told a claim was opened. Less then 24 hours later received a claim denial email stating there was no proof during the investigation that the charge was unauthorized, however when I asked to provide proof originally when making the claim there was no option.
Product: Credit reporting

i disputed inquiries with XXXX to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called XXXX several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report.. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Student loan

I am from XXXX, came to US in XXXX to pursue my XXXX in University XXXX ( XXXX ), XXXX XXXX, ND on an XXXX ( XXXX XXXX ). I was maneuvered as a cosigner of student loan in an unfortunate and insidious situation by the primary borrower XX/XX/XXXXand the principal of the student loan was {$9200.00}. The primary borrower, an US citizen, was working as XXXX XXXX of XXXX where I joined to pursue my XXXX program and later started working as an part time employee of XXXX section of XXXX and also. She took advantage of her position at XXXX and me by asking to cosign her own financial loan application. Because of different cultural background, lack command of English language used in statutory/promissory and deceived and untruthful manipulation by the primary borrower I could not asses the gravity of the cosigners responsibility. According to my previous knowledge and experience about loan process in back in XXXX, I thought my signature was just for verification of identification of borrower, no financial responsibility associated. Also in XXXX the financial obligation of cosign is fulfilled by immediate relatives of primary borrower whose assets and financial conditions are judged before. Furthermore according to the rule I do not qualify as a cosigner as I am not XXXX, the primary borrower being an employee of XXXX then, had convinced me the same ( use my signature just for verification purpose, no financial obligation involved ) and asked for a 'small ' help for her academic advancement. She also took responsibility that I would not have any financial obligations as I am an XXXX who do not qualify as cosigner. I also intended to help her as my past colleague to pursue her academic advancement without any financial responsibility. 
Unfortunately, she after few initial payment stopped paying the loan and I started getting letter, phone calls and a letter from the creditor 's attorney to me threatening of legal action if loan is not paid. I communicated the bank through phone call and letter from my side and also by an attorney who sent a letter on my behalf to the banks attorney in response ( in XX/XX/XXXX ). I conveyed them several time that I do not qualify as a cosigner for the loan and requested them to exclude me as cosigner but Bank did not listen to that. 
I am still receiving letters and phone calls. My credit score has severely affected by this outstanding loan amount. I am getting immense mental stress and harassment. I would like to know what the solution of this issue is. I am attaching the copy of the promissory note of the loan that I signed as cosigner. Please help me.
Product: Mortgage

We have an insurance claim that was paid & damages were completed in XXXX of XXXX for {$30000.00} for our roof. 
The roofing company has completed the work they have received 2 disbarments of payments, the final inspection has been completed since XX/XX/XXXX. 
We have given Rushmore Mortgage Company all the documents they needed EVERY month we certified mailed and emailed them to them ( the same documents over & over ). They have dispersed some of the funds and every time we call it is a new issue they make up as to why they haven't released all the funds. They have received every document necessary, the job has been completed since XX/XX/XXXX. 
They still owe us over {$25000.00} The insurance company released the funds to get the house fixed and Rushmore has made it impossible for any of the parties to get paid. I have contractors threatening me that they are going to put a lien on my house & I am going to get lawyer fees because the accounts are almost a year old. 
Rushmore has made this process very difficult for me as the homeowner and for all the contractors involved that have completed the work the house needed.
Product: Credit reporting

I disputed multiple accounts online with Equifax on XXXX/XXXX/17. As of XXXX/XXXX/17, the investigation is ongoing. This exceeds the 30 days provided by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about my 7th time requesting to have the XXXX accounts and its duplicate removed for once and for all. 

Next time my attorneys will be involved Original Creditor XXXX XXXX UNIVERSITY ( paid off back in XXXX ) this account has been sold over a 10 times in the 25 years. TIME TO REMOVE XXXX XXXX XXXX {$2400.00} Negative XX/XX/XXXX XXXX XXXX XXXX DUPLICATE Negative XX/XX/XXXX XXXX XXXX # XXXX Original Creditor - - Company Sold XXXX XXXX XXXX XX/XX/XXXX READ BELOW **Texas four-year statute of limitations on debts works alongside the Texas Debt Collection Act. Debt collectors can not pursue or attempt to collect debts that are more than four years old. https : //www.debt.org/faqs/americans-in-debt/consumer-texas NEED TO REMOVE XXXX, UPDATE XX/XX/XXXX I have requested this accounts to be removed and they keep showing up. It is an old lease that was paid off, was never late and its was well over 8 years ago. Keep in mind that you are breaking the Texas consumer laws by refusing to remove. Attorney has been hired. 

THESE ARE ALL illegal hard inquiries that ARE NOT ME : NEED TO REMOVED XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX., XXXX XXXX -You applied for credit in XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX XXXX - You applied for credit in XX/XX/XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX XXXX - You applied for an auto loan in XX/XX/XXXX XXXX XXXX - You applied for credit inXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX in 2015 say I owe them {$2400.00}. Id Like to first point out that the furnisher of the information is unreliable. I would also like to add that I have tryed many times with them and the credit bureau to resolve this but XXXX has Updated there info to match from my info I sent in to Experian and XXXX  proving my name is incorrect and Birth year was incorrect. Many attempts to get them to remove a fraudulent charge has taken place even sending certified letters asking for information as to HOW they came to that conclusion but experian and XXXX  refuse to acknowledge my letters by certified mail. XXXX  has already removed the account long ago but Experian and XXXX  refuse to do so and refuse to answer my letters with my evidence of such that THEY gave to XXXX and XXXX changed the information to match I assume but NO contract and NO avail to correct this problem but they do keep updating there content on Experian and XXXX. I have spoken to XXXX back in 2015 and had closed an account with them on good standing but then they placed this charge and said I owe for phones in Indiana in which I have NO knowledge of and argued the point many times to no avail. Never been to Indiana. No Family there Either so Fraudulent charges by XXXX. Please help me resolve this issue once and for all. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.