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

On XX/XX/2020 I received an alert from XXXX stating that my address had been changed. I check my report and validated with my current creditors non of which has requested an address change for me. I had OPT outs placed on my credit reports and freezes since XX/XX/2020 so did not understand how an inquiry was run and my address changed. Only 1 hard credit pull appeared on my report by a collection agency ( 3rd party ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, who is not a valid creditor which is why they had to do a hard pull and that was done without my authorization. Creditors perform soft pulls that are authorized. I have no collections or judgments on my credit report and at no time were they authorized to change my address. I " refroze '' my credit file again that day and had them put my address back as it has been for a few years now. I asked the credit bureaus to provide for me the name of the " creditor '' who requested the address change for me back to a property I no longer own or live in and they refused to provide that information. 

Again to day XX/XX/2020 I have received alert notifications that my address has been changed again with the same company being the only want inquiring about my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. Again I have no account with them and no collects on my credit file. But even if I did this is clearly abuse of the system to lower my credit score and the law is clear " A person submitting a false change of address form may be imprisoned for up to 5 years plus subject to a {>= $1,000,000} fine ''. I again began to write and call the credit bureaus demanding to know who submitted a change of address for me and was told by " XXXX '' at TransUnion that they don't track or keep who makes this type of request. '' I find it difficult to believe as this would leave consumers open to fraud, identity theft, etc. I am asking that the credit bureaus provide the name of the agency who has changed my address 2 times in the last thirty days so that I can take appropriate action. 

I would also like this complaint to include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - Attorney XXXX XXXX XXXX ( XXXX ) XXXX, and I need to know who gave them expressed permission to perform a hard pull of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has let to mail me a complete copy of my credit report after I reported several issues within them to errors on my report. and information after I opt out for promotional. Equifax refuses to mail me a report after several attempts I requested to them. Equifax mail me 2 or 3 pages and that's it and it has happen the last 3 months I seem not able to see what they have on my credit report in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( XXXX, XXXX XXXX Transunion ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.
Product: Checking or savings account

I REQUESTED FOR A DISPUTE FOR ATM WITHDRAWALS FROM XXXX ATM TRANSACTIONS. AS A RESULT OF ME FILING A DISPUTE WITH SOFI, THEY RESTRICTED MY ACCOUNT BECAUSE THEY SAID THAT THERE WAS FRAUD DISUTED ENTERED WHICH WAS NOT THE CASE. THE DISPUTE WAS IN REGARDS THAT THE ATMS DID NOT GIVE THE CASH THAT WAS REQUESTED FOR WITHDRAWL. I HAVE CONTACTED SOFI TO SEE IF THEY WOULD ALLOW ME TO AT LEASET WITHDRAWL THE FUNDS THAT ARE IN MY ACCOUNT SO THAT I CAN PAY MY BILLS. SOFI WILL NOT UNRESTRICT MY ACCOUNT SO THAT I CAN GET THE FUNDS TO PAY MY BILLS. SOFI IS REFUSING TO REMOVE THE RESTRICTION AND ALSO REFUSE TO GIVE ME A TIME FRAME AS TO WHEN THE RESTICTION WILL BE REMOVED. THEY RESTRICTED MY ACCOUNT DUE TO FRUAD WHICH IS NOT THE CASE. I AM FORCED TO FILE A COMPLAINT WITH THE CFPB TO SEE IF YOU CAN GET THEM TO REMOVE THE RESTICTION SO THAT I CAN GET THE FUNDS OUT OF MY ACCOUNT. PLEASE HELP!!!
Product: Student loan

I graduated in XXXX with a BA in XXXX XXXX. After college I struggled for a few years to pay my student loans on time because I did not make enough money to cover the costs of my obligations and expenses. I turned my situation around by changing careers and have made regular monthly payments for over 10 years but my balance has barely moved and my estimated pay off date continues to change. 

I have XXXX loans totaling : The original balance on my first loan was {$26000.00} as of XX/XX/XXXX. Today the unpaid balance is {$24000.00} with an interest rate of XXXX. The original balance on my second loan was XXXX as of XX/XX/XXXX. Today the unpaid balance is XXXX with an interest rate of XXXX. Both of the above loans have estimated pay off schedules with a date of XXXX. What I do not understand is how each loan is reporting a 53 % pay off when the balance has not moved and the dates are estimated. I have tried several times in the past 5 years to call and ask questions about my loans and even requested copies of the note so I could better understand but no one seems to be able to assist me or offer alternative solutions for my pay off plan. 

In XXXX I sold my home and used the proceeds to pay off a larger private loan but I do not see as an option to pay off the remaining balance but I also do not see the balance moving so I am concerned my payments are not being applied accurately and no alternative options have been provided. I paid off a car with a higher interest rate in less time then I have paid my student loan. I need someone to help advocate for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday, I filed a dispute online at Experian requesting the removal of address : XXXX XXXX XXXX, XXXX, OR XXXX from my personal information. I received an email saying that my dispute results were ready. When I logged in to view the results, no changes were made to my report. The address was still listed under my personal information.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX I do not have a contract with XXXXXXXX XXXX XXXX XXXXXXXX XXXX they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Experian canceled my account when I stopped paying for credit monitoring services, and now I can't even unfreeze my credit report because it is tied to that system. I had an account for years before this ; now, it has been deleted, and I can't reactivate it. The phone system is confusing, and there is no option to reach a representative because they are understaffed and deliberately make it hard to reach a real person. I have already spent hours trying to fix this, but there is still no answer. Now, I have to mail identity documents to their address in XXXX, TX, and wait XXXX days for them to lift the security freeze on my account because that department does not have email and does not take calls. I made a complaint with the CFPB before regarding Experian, and it took them 3 months to respond, and they did not resolve this issue. They gave me the number of a consumer affairs person who was unable to resolve this issue, and they transferred me to customer service, who was equally unable to resolve this issue. I am trying to finance a house, and I have already lost financing once on a home because my credit is frozen. I could not un-freeze it quickly enough to get my financing approved ; XXXX months later, after waiting for Experian to respond, the issue is still not fixed, and I have to jump through hoops again. This company is a joke, and the fact that the CFPB has not fined them yet is also a joke.
Product: Checking or savings account

I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : US DEPT OF ED/XXXX  XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... . Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2019, I mailed a letter to Experian requesting that they update my credit report to include my current address. I requested that Experian mail me a letter confirming processing of this request. I also asked Experian to mail me a letter if any further information and/or documentation was required. 

As of today, XX/XX/2019 I have not received a response from Experian. 

I am attaching a copy of the letter that I sent to Experian to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for. I asked him what was the problem with my credit and he showed me my report. There are many derogatory items that do not belong to me. Please delete these items. 

XXXX XXXX  XXXX {$520.00} XXXX  XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX  XXXX {$240.00}
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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

file against the three major buraus XXXX XXXX/ equifax. if the bankruptcy courts does not report to the three major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the three major credit buries. XXXX XXXX have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on XXXX XXXXXXXX XXXX. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.
Product: Mortgage

I have NO interest to apply for a mortgage loan. I have NEVER authorized a hard inquiry for applying for a mortgage loan through Midwest Equity, or Celebrity Home Loans as of the name of the parent company. 

I checked my credit report for XX/XX/2022, and found a hard inquiry that is not authorized by me. I initially filed a complaint to the XXXX XXXX XXXX XXXX because their name showed on my credit report. They responded to me that the unauthorized hard inquiry is from Midwest Equity ( under Celebrity Home Loans ). I tried to reach out to Midwest Equity by email : XXXX but there is no response. I also tried to submit a complaint to Midwest Equity and they say I should contact Celebrity Home Loans. 

Again. This is NOT an authorized hard inquiry and I have ZERO interest to apply for a mortgage loan. please remove my hard inquiry AND my personal information from your system. Please don't push the ball to the Midwest Equity and please resolve my issue here. I already put a fraud alert through XXXX. Thank you.
Product: Credit card or prepaid card

I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit card or prepaid card

My complaint is with Citibank XXXX XXXX ( see attached documents ) and involves a misallocation of payments to credit card sub accounts that differs from their stated allocation method. 

Further details are included in the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX, and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.
Product: Debt collection

I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around two years ago Wal Mart was promoting their credit card owned by Synchrony Bank. I was to get {$25.00} worth of free groceries from Wal Mart for signing up for their Wal Mart credit card. I think it was Master Card. I bought {$23.00} worth of free food that day. They billed me {$23.00} for my free groceries. I challenged the bill and was told that it was for {$25.00} of free food so I had to pay for the {$23.00} charge. I was told I needed to get {$25.00} worth of free food at one time and not go back for the remaining amount. Nobody told me I must purchase the entire amount at one time. My challenge lasted several months and they wanted interest on the {$23.00}. This lasted a few more months and they dropped the interest and I paid the {$23.00}. 

Either Wal Mart or Synchrony Bank notified the three credit companies that this matter took over 120 days. The young man I talked with did mention that I did pay off the amount they billed and I was told that it wouldnt impact my credit score which was around 700 something, and it wouldnt be put on my credit record because I paid the bill. I talked with him several people over a couple of months. Then the problem was put on my credit record as paid with over 120 days. Somebody lied to me. My credit score is around XXXX. 

Wal Mart does not use Synchrony Bank any more. I can not get through the endless voicemails at Synchrony Bank. I discontinued their credit card immediately.

Wal Mart does not know where to send me. 
There is no way I can resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX, XXXX XXXX, XXXX Re : Account Number XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX, Mercedes Benz Financial, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney or sell it to another Creditor without providing proof of the original contract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX
Product: Credit card

I sent my XXXXXXXX XXXX XXXX XXXX  and proof of looking for work on XXXX XXXX along with a request for more XXXX XXXX forms and the only response I received is that XXXX XXXX is going to be with another department. I am confused as I email XXXX more form as requested on the form and they never answer. I am not sure if my XXXX payment will be applied.