23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1- XXXX company made 3-6 charges on top of my charge and on days i didn't make charges. ( this is involving 5 of my credit cards that they have maxed out ). I was charge over 130 charges between my credit cards that i didn't authorized.

2-I have redemption ( s ) that was canceled by them.

3-I have contacted them since learning of the scam/fraudulent charge begin XXXX thru XXXX, XXXX. They have no number only email. Have ask them to fix/investigate and refund. Was told account was compromise at one point. And they will not reimburse, even the won redemption ( s ) as she said someone canceled and use it.

4-The company 's business model is a scam and not as what they claim. ( basically they are a casino using the loophole of a sweepstakes company, using unfair practice to change the XXXX, XXXX XXXX  misrepresented payouts and odds. They also can change the rtp on any specific player. 
5-I have disputed and or filed fraud with credit card companies, Most are coming back denying the disputes/fraud. Have told me I will need to go outside of the resources to get any help.

I have 2 credit cards with chase that both was maxed out. Chase have denied the disputes and never provided me any appeal process.

I am still dealing with XXXXXXXX XXXX ( also 2 credit card, maxed out ) and most have been denied on the disputes/fraud. 

XXXX XXXX has closed my case since XXXX. I am still trying to reach out to them with regards to the dates shown as account had suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, LA XXXX XXXX L XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous efforts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and XXXX. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report from TransUnion XXXX and XXXX credit bureau I notice three credit card companies on my report that I did not authorize nor do I have knowledge of inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure the possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be verify the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 10TH DISPUTE IN THE LAST 11 MONTHS, MY NEXT STEP IS A LAWSUIT WHERE YOUR COMPANY WILL GIVE ME MONEY FOR THE VIOLATIONS XXXX AKA TRANSUNION has been possessing my information illegally without my consent. I have disputed these accounts for months and TRANSUNION has not followed and obeyed my consumer rights and federal law. I have put them on notice of these violations and they proceed to reply to each complaint saying the same thing as a generic message of " response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. -VERIFIED AS REPORTED XXXX XXXXUPDATED XXXX XXXXUPDATED Other miscellaneous actions take based on your request were : Opt out - UPDATED EXPIRATION Extended alert - UPDATED EXPIRATION THEY HAVE SAID THEY REACHED OUT TO THESE COMPANIES ASWELL AFTER I SPECIFICALLY SENT OUT A CEASE AND DESIST COMMUNICATION LETTERS TO THE CRA 'S AND EACH CREDITOR XXXX THIS INFORMATION HAS STILL BEEN REPORTING AND IS ALSO BREAKING THE FDCPA AND THE FCRA. as I have made them aware multiple times that theyre violating me and breaking laws, they have broken federal law 15USC 1681I ( 5 ) ,15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A AND COMMITED A FELONY CRIME OF 18 U.S. Code 1028A.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX and Transunion violated my consumer rights by not allowing me to access my consumer report. They would not allow me to see my consumer report on XXXX even though I verified my identity.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the XXXX affidavit. Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

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

On XX/XX/2023, I sent letters to XXXX, XXXX, and Experian to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.
Product: Debt collection

THESE ARE GIVING ME STRESS, THESE ARE ALL UNAUTHORIZED AND NOT MINE, PLEASE HELP ME WITH THIS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I'm reaching out because of the incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX Account # XXXX As Defined by the IRS : The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesn't belong to a credit report, so this information on my report isn't accurate! 
By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 
According to 15 USC 1681 s-2, XXXX XXXX XXXX XXXX XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) : " A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the customer at the address specified by the person for such notices, that specific information is inaccurate and the information is, in fact, inaccurate. '' In summary, Ive shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 
Please delete this incorrect information from my report immediately. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with my credit score. For some reason on XX/XX/XXXX my credit score was in the 600 's,  the next day it is XXXX. I don't know what happened. I need some answers to why my credit score dropped so low.
Product: Debt collection

Bankruptcy filed XXXX XXXX XXXX  XXXX Us Bankrutcy Court I wrote/Call a letter to the courthouse of Georgia To verify if they report Bankruptcy to credit reporting agencies and my Feedback was they do not report to Reporting Agencies. 
I would like to know how the credit Agencies Soecify my Bankruotcy as Accurate.they never performed a fair investigation according to 15USC1681A 15USC 1681 section 603 ( 3 ) ( E ) state the consumer report portion thereof in which information on a consumer characterized general reputation of personal characteristic or mode of living is obtain through personal interviews Infirmation should not include specific information on credit report obtain directly from the consumer or from consumer reporting agencies when such information was obtained directly from the creditor My rights was violated by given rights under US c 1681A According to USC 1681sectuon 602A stated I have a right to privacy
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding Experian, which has been running my credit four times a month for the entire year of XXXX without my permission. I want these inquiries removed from my credit report. Additionally, I would like to know why this occurred, in writing and I believe I should be compensated for the negative impact this has had, including my recent loan denials. Every month till XX/XX/XXXXXXXX XXXX
Product: Mortgage

SPS mortgage continues to harass me by not posting my payments correctly. Ive already called them three times ( this round of problems ) asking them to back out the principal payments and post my advance payments. They also have collected impounds from me which is in my modification agreement, but they have decided to collect extra money and they told me that they could do that under the law nothing being sent to me no notification. My modification amount was 3800 monthly my payments now {$4000.00}. Theyre non-responsive with phone calls. They have told me that they can take whatever extra money they want. I am now trying to sell my house because Ive been so harassed by the lender. I feel that my age is a factor with their discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple disputes with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days and I haven't received any investigation responses to my letters that I have sent to the Credit Bureaus.
Product: Debt collection

XXXX XXXX for a dependent initially billed incorrectly. In efforts to resolve billing, situation enters collections. Insurance situation resolved, and original service provider was paid as far as I understand. However, collection agency is still trying to collect a debt related to this circumstance. 

I have received no communication about this for years. 

I find it on my credit report and dispute the derogatory claim. 

It comes back as XXXX XXXX as still an open collection. 

I do n't understand how I owe them anything and why they are claiming I owe anything at all in this case.
Product: Student loan

I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I went to buy a car at XXXX XXXX about 8 days ago. Now I have purchased several cars in my past and after my report gets pulled several lenders look at the report but it only gets pulled 1x. Well I check my report extensively and they did XXXX hard inquiries on my credit. The last time I went to XXXX XXXX XXXX 6 months ago to buy my last car it got pulled one time only but I got several offers. This is beyond unacceptable as this now hurts my credit for 2 years plus. This can not be right to do to someone as they just kept repeated to pull my credit???
Product: Credit card or prepaid card

OnXX/XX/2020, I received a bill from Fifth Third Bank in the amount of {$8400.00}. Since I have never been a customer with Fifth Third Bank, much less applied for a line of credit with them, I immediately called their Resolutions Department to indicate that this was a case of identity theft. Judging from the bill, the card was maxed out in two days, with charges originating in Indiana. I live in Michigan. I explained to the agent in the Resolutions Dept that I had lately been the victim of several cases of identity theft with other banks and companies which occurred in the week directly after XXXX and the first week of XXXX. ( I placed a credit freeze with the three credit agencies around this time. ) The agent explained that the bank would be sending an affidavit for me to sign and notarize swearing that I was not responsible for the charges. 

I faxed Fifth Third Bank this affidavit as soon as I received it, on XX/XX/2020. After repeated inquiries on my part, I finally learned on XX/XX/2020 that Fifth Third Bank rejected my appeal. Their reason for doing so, according to the agent to whom I spoke, was that I did not include a police report. This took me by surprise since a police report had never been requested. In my naivete I had thought that this was a fairly self-evident case of identity theft. I have never maxed out a credit card in my life ; the fraud occurred in XXXX, IN, whereas I live in Michigan ; the same location was used in a XXXX XXXX obtained fraudulently in my name that XXXX XXXX reviewed and determined was a case of identity theft ; I did indeed file a police report on XX/XX/2020 ; and the bank had my sworn statement that I did not make the purchases, much less apply for the credit, it says I did. Fifth Third Bank has been apprised of all these particulars but nevertheless seems determined to extort more than {$8000.00} from me for no other reason than the fact that a thief has duped them into believing a lie. 

Given the failure of Fifth Third Bank to act in a timely manner in responding to my appeal and given its shifting account of what I must bring forward to prove my innocence, I have no other recourse but to file this complaint.
Product: Credit reporting or other personal consumer reports

My debt decreased because of my loans deleted. Credit karma stated my credit scores when I deleted off my education loans ( 8 ) loans. CK says each every deleted or discharged the scores go up XXXX points. The Never increased my credit score XXXX points for 8 items
Product: Mortgage

Beginning with the XXXX mortgage payment, my servicer determined a large shortage in projected escrow and began collecting monthly catchup payments. In late XXXX, I reviewed the shortage calculation and noted that they calculate the shortage due to a property tax disbursement scheduled for XX/XX/2020. However, my county has tax due date of XX/XX/2020. Thus, my escrow shortage was determined to be one normal monthly payment larger than actually required. I contacted my servicer, who indicated that their policy is to pay taxes early. I don't think it makes sense that they can institute a policy that accelerates payment needs to them arbitrarily. My understanding is that under Regulations, the servicer is allowed to keep as a reserve up to two months of escrow payments ; however, by paying taxes early the servicer is able to manipulate and overstate the shortage.
Product: Mortgage

I attempted to request a Mortgage Modification with my mortgage servicer XXXX XXXX. On several occasions I have made the requests to appeal the initial decision on my request based upon the fact that my income is being calculated incorrectly and artificially inflated due to such error. Additionally they refuse to send any written communication to me stating that my appeal was denied and why. I have made this request several times in addition to requesting clarification on how they came to such a conclusion on my income. At this point, I have no other option then to request the assistance of a Government Oversight Agency as I have exhausted all avenues to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting erroneous debts on my file that need to be removed. I have sent letters months ago stating that I needed validation and have yet to receive anything. I will attach the letter below but as stated not providing validation requires you to remove the accounts. This can also be considered fraudulent under both federal and state laws remove immediatley as the 30 day period has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XX/XX/2021 {$92.00} There are no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXXXXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all 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

Experian is reporting that I was 30 days late on my XXXX XXXX credit card payment in XX/XX/XXXX. 

XXXX Account Number : XXXX I have no recollection of ever being late so I disputed this and asked for an investigation to validate the item. The original request was sent on XX/XX/XXXX and was verified without providing me the proof I was requesting. I sent a follow-up letter on XX/XX/XXXX again requesting evidence to support their claim. This request was also ignored by Experian. This record of a late payment is the only thing negative on my entire credit file and it is causing me distress and anguish.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 co
ntaining 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.
Product: Consumer Loan

My loan does n't seem to drop, I always owe the same amount or more sometimes I really cant afford any longer but I do n't know what to do I figured I 'm almost paying XXXX dollars extra for a XXXX loan