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

I have a closed account with Discover Bank. A credit card. I recently had them do a fraud investigation and I was advised while under investigation I could not make payments toward the balance. At one point they showed the account as {$800.00} credit to me so there was no way I could make a payment anyway. First thing first they did a horrible job doing the investigation. Never called me, or asked me for any of my info ( including my police report ) they just ruled in their favor and said I owed the debt that someone else did when they stole me card. Here is the biggest factor though. Discover went back and mark my payment history as missed payments during the time they were conducting the investigation. They're the ones who told me not to pay and I didn't even have a chance too because the account showed to be credited. Discover and their horrible, rude employees refuse to fix the obvious. I have recorded every call with them including them telling me I have a credit and not to pay during the investigation.
Product: Credit reporting or other personal consumer reports

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  : LexisNexis XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Request for Verification/Correction of XXXX Financing Statement on XXXX ReportDear Sir/Madam, I am writing to request verification and correction of a XXXX Financing Statement that should be accurately reflected XXXX the credit report for XXXX XXXX XXXX XXXX. The XXXX Financing Statement was filed on XX/XX/XXXX, with the California XXXX XXXX XXXX under XXXX number XXXX are copies of the relevant XXXX  filings for your review and action, including : The initial lien financing statement filed on XX/XX/XXXX, XXXX collateral filings on XX/XX/XXXX ( File Number : XXXX ) and XX/XX/XXXX ( File Number : XXXX ) XXXX termination filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX add collateral filing dated XX/XX/XXXX ( File Number : XXXX ) XXXX documents outline the security interest covering all applicable collateral, which should be reflected on my credit profile as per the accurate and complete information provided. I request that you verify the filings and update the report to reflect this information accurately.Please confirm the completion of the verification and correction, or notify me if additional information is needed. I look forward to your prompt attention to this matter.Thank you for your cooperation.Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have an old account paid off about XXXX years now from Suntrust bank and it is saying XXXX late payment. I was never late on the payments. It was an error of theirs. I believe it happened when I paid it off. I believe they claimed that last payment was late but I was never late ever. It is an error. I paid on time with every payment.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and observed inaccuracies and discrepancies in the personal information reporting. 

Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX Reporting XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Reporting TRANSUNION XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WERE DISPUTED FRAUDULENT ACCOUNT DUE TO ID THEFT WITH EXPERIAN MORE THEN 60 DAYS, EXPERIAN DID NOT SENT ANY REPORT BACK TO ME.
Product: Debt collection

This debt of medical bill is not mine I have attached a identity theft affidavit I have no acknowledgment of this account this company has violated 15 USC 1692c without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with collection of any debt. I have been violated not only by that code but falsifying information and putting it on my credit report.
Product: Mortgage

I closed on my home in XXXX of 2020. As a first time homeowner I was required to pay private mortgage insurance premiums. I had the option to pay upfront ( about {$4100.00} per month ) or monthly for the life of the insurance ( about $ XXXX/mo for a little over four years ). 
I was told that if I paid up front, but reached the required equity threshold more quickly than expected, I could request a refund of some of the amount. 
Similarly, if I opted to pay monthly and reached the required threshold early, I could request to cancel my PMI payments. 
I opted to pay the PMI up front. 
Earlier this year I was able to make a large payment on my mortgage and reached ( and exceeded ) the threshold. 
The process of requesting the PMI cancellation was ridiculous. You have to know exactly what to ask hen you're on the phone, ( You'd like to " Submit a request to cancel PMI '' ). If you don't have the right lingo, they will hang up on you. 
Once you ask the magic question you get a secret email address listed nowhere else in any documentation or on their website. You send a specifically worded email to that address and then wait for thirty days.

So I went through that whole song and dance and, on day thirty, received an email that said " There are no PMI refunds due to you at this time. '' No explanation. No justification.

Loan Depot stole over {$3000.00} from me. I paid for over four years of PMI and only used a year and a half of it, and they just want to pocket the extra.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1681s-2 ( A ) ( XXXX  ) 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have accounts that are not correctly reported- XXXX XXXX XXXX ( autoloan ) you have it as I owe a total of {$9900.00} but this account is currently paid-off XXXX XXXX XXXX ( credit card ) you have it at {$4000.00} but its actually {$100.00} left on this account. this is the only credit card i have but yet you have my credit card utilization at 80 % mean while its a XXXX credit card and i owe but XXXX on it. thus intentionally holding down my credit score with wrong information on my credit report. 
- XXXX XXXX you have it as closed with a debt of XXXX meanwhile this account is currently paid-off. so all these incorrection information you using it to give me a low credit score. my accounts are all currently and most paid-off but yet you keep dropping my credit score which doesn't make sense to me.

Do your homework and research before adding wrong accounts to people 's credit report or reporting wrong amounts of figures and holding peoples credit score down for that I f your fast to report accounts on peoples credit information you should be fast as well to update them. 
I will take legal action if i check next time and you have inconsistency with your reports on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

around XX/XX/2022, i login my carrington mortgage account to ensure that XXXX payment was received and i notice that carrington mortgage did not apply the payment but they accepted the payment so i called and ask why is the payment my payment was in suspense and ask for them to do their job and post the payment to my account. after talking to the rep for about 40 min the rep but my request in and they the remove the payment from suspense status and applied it to XXXX payment. now they want to report that i was late but i wasnt late. its XXXX percent their fault for not applying the payment. i as the rep to ensure that it will not report on my credit and she ensure me that it wasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Here is the list of account/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened : XXXX -- XXXX Balance : {$1600.00}, According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXITS
Product: Credit card

I got online on their website and paid the amount owed ( {$69.00} ) on XX/XX/23. It showed my balance was XXXX. I then closed the account the same day. Then on XX/XX/23 they sent me an email stating that I still owe them {$42.00} after I closed my account. Now it's already at {$86.00} ( XX/XX/23 this is all after I closed my account. All I want is for all of this taken off. I feel I don't owe this because when I paid it showed a XXXX balance and I closed the account.
Product: Debt collection

Every so often XXXX XXXX XXXX sells they inventory to other agencies or affiliates trying to collect on a 12 year old credit card debt that was previous discharged. I have made several attempts at quashing the companies, but they are too many to continuously having to write to and asked to cease and desist. Listed among their current agencies are : 1. Resurgent Capital Services L.P 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX  5. Resurgent Capital Services PR, LLC 6. XXXX   XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, XXXX 8. XXXX XXXX  10. XXXX XXXX XXXX XXXX. XXXX  , XXXX   12. XXXX XXXX XXXX, XXXX 13. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX .I writing requesting help in this matter .I gave a student loan with fedloan that was purchased by XXXX .But it shows on my credit report as me owing both parties when that is not the case. Im wanting fedloan removed from my credit report, because it make my report look bad seeming to owe more than what i do .Im making a formsl complaint to XXXX XXXX XXXX XXXX and XXXX XXXX If not all three XXXX is the first XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Three bureaus it is showing that Ally Financial is closed and charged off for the amount of XXXX. When I have a letter form Ally on their letter head showing that I DO NOT OWE A BALANCE! I have included the letter in this complaint and I would like to have the item updated immediately.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. Ive already filed an FTC report. 

The inquiries are : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023
Product: Checking or savings account

Chase closed my account because they decided that they couldnt maintain my account anymore, even tho I have been a loyal customer and pay my bills and if I overdraft I always pay that off in a couple of days or so.
Product: Credit reporting or other personal consumer reports

I am doing business with a company called XXXX. I have been using them for XXXX years or more. I usually great about on-time payments and paying off accounts early. A few months back, I stopped making my payments. Not because I didn't have the funds. But because I was in the hospital for XXXX and then came out only to suffer from XXXX. During this time, XXXX did not reach out to me to get the account resolved. They could have sent me a letter or an email. But they sent nothing. They automatically marked my account as a late payment. I filed several disputes with Experian over this matter because XXXX is XXXX of their options to explain why your payments are late. The credit agency is not properly handling my disputes and simply close them out as quick as they get them. I would like help with getting my late payments removed from my credit report by holding the Experian agency accountable for the XXXX  option that they have on their website. I even called XXXX  and told them I had XXXX and I had XXXX. I had no way to pay because I was under XXXX XXXX XXXX  with no way of knowing what the outcome will be. The XXXX company is breaking laws by not giving out notices. And Experian is not treating my disputes fairly.
Product: Credit card

this credit card was my credit card but someone also used this card with out my permition I called capital one they have told me that they are going to mail me staments which they have n't any please have then remove judgement and credit bureau since this a fraud in this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 the employing company agents ( Plant Manager and Controller ) asked me into an office where they proceeded to tell me that I was being put on administrative leave of absence due to my criminal records check being too extensive. After being told to produce a written statement in dispute of the item ( s ) and being escorted from the premises, I read the report which gave information pertaining to a record nine ( 9 ) years old. The State of Ohio laws allow records searches to go back for seven ( 7 ) years ONLY. Thereby the reporting company ADP put my career at risk by reporting information that is too old and redundant. The employing company, XXXX XXXX, has negated from correspondence and rehire.
Product: Student loan

After getting my XXXX and my first job as a XXXX, I started repaying back my XXXX student loan. I began to notice that the monthly payments were rising quickly because the loan was not fixed. I decided to refinance with a fixed rate with my mom as the co-signer. We were shocked to find out our refinance was denied due to my credit report. We finally were able to speak with a representative from the lender to find out more specifics of the credit report. The student loan that was taken out through my mom 's XXXX XXXX   XXXX XXXX was listed as a " line of credit '' and showed up as such on my credit report. After many many calls to the original lender, processor and XXXX XXXX, we find out that indeed this is the way the students loans were packaged so that the university could draw on the account each semester. We were obviously not aware that this could adversely effect my credit. Since it is listed as a line of credit, my numbers are off even though my credit score is extremely high. This has affected my ability to refinance as well as my credit for anything else I might apply for. Effectively leaving us with no options and at the mercy of the current raising rates. No one has been able to assist us and we have received quite the run-around in trying to figure out how to proceed with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I called Ally to request a deferment due to my wifes mother passing away. I was granted that deferment. I was told I needed to pay {$650.00}. up front and the representative told me to ask family or friends for help. I did that. A friend put {$700.00}. on two prepaid Visas. The very next day I called to pay. The Ally representative refused to accept those visas. I told her I got paid on the XXXX of XXXX. She said that was fine, to just set it up to be withdrawn online per the app. I did exactly that. However 5-6 months after XXXX, Ally has reported me late to the credit bureaus. We had to use all our savings to travel and bury my kids grandmother. As soon as I returned, I immediately contacted ALLY to request a deferment. All of this information is supposedly recorded every time I call. At least, I am told these conversations are recorded. I have spent the last two years sending certified letters, emails and even hired a credit repair company ; XXXX XXXX ( out of XXXXXXXX XXXX  ). I recently contacted my state Attorney General and have only received one email back and have been waiting for another response for a month now. I also contacted my XXXX, XXXX XXXX and have yet to hear back from them either. 
From XX/XX/XXXX to XX/XX/XXXX, no payments should be reported as late, as I made my {$650.00} dollar payment on XX/XX/XXXX ( the date I said I got paid, since they refused to accept the {$700.00}. I had on two prepaid visas ) This is all agreed on in the recorded audio with Allys representative who are clearly outsourced to XXXX. When I called Ally upon finding out Ive been reported late for months, I was told that my bank never released the funds. I called my bank, XXXX XXXX XXXXk and they were released the day I told them I could pay. So they bluntly lied to me, then played the victim. They have ignored every email I have sent in regards to what they did to me. Except recently they responded when I found out they reported me late again in XX/XX/XXXX. Which I do not understand because I pay on their app through direct payments. I brought it to their attention and they claim they didnt. I have a paper trail of certified letter receipts, all written correspondence with Ally, bank statement, and the two Visas they refused to accept. Its been two years, and my lease is up in XX/XX/XXXX, and I do not qualify for a home loan due to what Ally has done to me. I am a ( 100 % ) XXXX Combat Veteran, my wife is a full time XXXX student, so we live off a fixed income. If this issue does not get resolved, I am at risk of putting my family XXXX. Can you please help me resolve this issue. The conversation between the Ally representative and myself is proof I did what was asked of me. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

In the year of XXXX I had first made my account a few months in around XXXX I started seeing some transactions being made from the UK.every time someone sent me money it was being spent at a tire shop or online shop.I tried locking my card contacting Cashapp but I would always get no answer back. From XXXX of XXXX to XXXX of XXXX Ive lost over XXXX that was sent to me and that I had made.So I made a new account on Cashapp hoping no money would get stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX XXXX, I applied on line, for my " Free '' Credit Reports at XXXX. I provided all of the requested personal information, and correctly, from my financial records, answered all " Security Questions '', as requested by the CRAs.

I received my " Free '' Credit Reports from XXXX and XXXX XXXX on line immediately. 
Equifax, however, declined to provide my report on line, and provided me with a PDF form to request this information, by mail. In addition, Equifax stipulated what documentation I had to provide in order to prove I was who I said I was. 
This information, included : Copies of my Social Security Card, A Pay Stub with SSAN, and W2 Form. for Identity Confirmation ; and for address confirmation, Drrivers License, Rental or Lease agreement/house deed, pay stub with address, and utility bill. 

Complaint : 1. Equifax had sufficient verification, to issue me an immediate Free Annual Credit Report, but elected to stonewall in an attempt to circumvent the requirements of providing an annual credit report without cost to me. They are of course hoping to sell me a " For Fee '' Credit report, only verification needed would be my Credit Card. which is what happenedto me the last time I requested a Free Credit report from them in XXXX. 

2. Information requested is unreasonable, and exactly what the FTC and Consumer Agencies advise NOT to provide, to prevent identity theft. ie : SS Card, Drivers License, and Deed. That's all an identify thief needs to not only steal my identity, but clean me out. I have lived at the same location for 33 years, which they know. I am retired, so I do not have Pay stubs, or W2 forms. I no longer have a residential telephone to bill, and all utility bills are paid online without paper billing. 

It should be noted, that the other two CRAs, XXXX  and XXXX, found my online verification sufficient to provide me with a report, and did not make unreasonable requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 5 years XXXX XXXX has been reporting I owe monthly installments of {$11000.00} which will equal {$130000.00} yearly for 84 months. TransUnions   did not investigate.