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

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( XXXX, Experian, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with XXXX XXXX XXXX. I have never applied for an auto loan with XXXX XXXX XXXX. The auto loan account with XXXX XXXX XXXX is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from XXXX XXXX XXXX call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX  for a fraudulent account and debt of {$7000.00}, I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card or prepaid card

Bank of America corruptly and fraudulently added a charge back to my account that was removed after the legal deadline. I responded to the Dispute with written documentation. 

Maybe, with Bank of Americas continued violations of our nations immigration laws with impunity when Obama was President they feel theyre allowed to break other federal laws governing credit card disputes. However, it is very clear Bank of America broke the law and I am a victim here.
Product: Vehicle loan or lease

a bank cashed a check with my name on it and the banks name. The bank is in another state so I mailed the check to them to endorse it. check was sent to me from auto insurance company for theft of my cars wheels tires.. the bank cashed the check and did not send it back to me .. I wrote a letter that I need the bank to endorse the check to pay for the wheels tires.. is it legal for a bank to cash this check with out my endorsing? 

the bank took my payment for loss, and put it on the loan balance now I do not have that payment to buy my wheels.
Product: Credit reporting or other personal consumer reports

Per FCRA as a federally protected consumer Iam now opting out of any or all authorization I the Consumer may have given per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX major consumer credit reporting agencies, XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove accounts from my consumer credit reports that do not belong to me in accordance with The Fair Credit Reporting Act.
Product: Mortgage

I am currently in processed to be XXXX since I have several health issues such as XXXX, XXXX XXXX, XXXX XXXX  XXXX, my bones are the ones of a XXXX XXXX XXXX woman. So currently I can not work, I am applying for ssi. So I can not make the monthly payments I have on my home tax loan. I have tried to work with them to lower my payments since my kids are the ones helping me right now but they have families of their own. I have been treated with disrespect from employees of this company. I can not reach an aggrement with them since they do not want to lower my payments, I have send them proof of my medical issues and they do not care. I am at risk of losing my home or have a forever debt since whenever I can give payments it goes to the interests only. I am desperate. This company is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

my mom filed bankruptcy XXXX years ago. i was a co signer on a wells fargo credit card ending in XXXX for the past XXXX years wells fargo or XXXX  failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX  years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit XXXX years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge XXXX years after its been charge off. please help
Product: Debt collection

I have been making payments on a medical dept to USCB America. The dept does not appear to be going down. They said it was because of the interest that I am paying. I requested a copy of their interest policy. The representative said they do not release that information. I said " if I am paying it, I have a right to know what it is '' again the representative denied my request. This occurred on XX/XX/2023. On a Recorded line.
Product: Debt collection

I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account 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 Balance : {$20000.00}
Product: Debt collection

Contacted original debtor and was advised that the two accounts in question were charged off back in XXXX and XXXX. Disputed with the credit bureaus and the investigation results came back as " verified '' valid by the collection agency.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer credit report and I noticed that I had some fraudulent accounts/items on my profile. I'm referring to the account from Spring Oaks Capital LLC with account number XXXX. Please remove this account from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I never entered into an agreement or a contract with Spring Oaks Capital LLC. Which makes this fraudulent account/item, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from Spring Oaks Capital LLC to cease and for this account to be deleted from my consumer credit report.
Product: Credit card or prepaid card

On XX/XX/19, I called TD customer service to first check on status of never received replacement card requested via mail months ago and also requested annual fee reversal due to non receipt of new card. The initial rep had given me incorrect info and what I feel was a lie when saying she did not have access to My acct. she also told me I could go to any td bank branch which could offer instant replacement which was not correct after speaking to supervisor. Supervisor lead me to Believe that she would advocate for fee reversal to earlier unpleasant experience with earlier rep
Product: Mortgage

My issue began when paying mortgage after my spouse died. Paid my mortgage on XX/XX/XXXX and not until XX/XX/XXXX was I informed that I was 2 months in arrear for not having paid XXXX. Asked mortgage company to have manager call me. Provided my phone number and did not receive a call after XX/XX/XXXX in which I called them back. They indicated they tried calling, but at a phone number I had not provided... therefore I was charged another late payment. 
I started sending my mortgage by mail as mortgage, the mortgage company stated was not in my name, only my husband 's. Faxed paper work to their financial office and stated house was also in my name... however they placed the account " To the Estate of ''. Recruited an attorney as Shellpoint indicated I may have to be qualified to determine if I can continue with this mortgage contract.This was per XXXX XXXX ( supervisor ). 
My lawyer indicated based on paperwork from our XXXX XXXX mortgage was also in my name. 
However, today I tried calling Shellpoint. ( as currently have tried paying on line but my account is not there )... or I'm not. Called shellpoint mortgage ... my social nor my husband 's 4 digits can not be found..nor are they able to find my property address. called their investor and she could not find my account even under the account number. My concern ; they will charge me yet another late fee, all of their run around has caused me stress as well as financial hardship when charged a late charge as I am now on a fixed income.As it stands now I do not know where I can get someone to help as you can not request customer service rep through their promps.
Product: Checking or savings account

Bank of America Checking {$5.00} taken from my account but no record of the transaction
Product: Mortgage

A New American Funding loan officer ran my credit without my permission. According to their customer support, XXXX XXXX ran my credit with my consent at XXXXXXXX XXXX but, that is not possible as I was in a meeting at XXXX XXXX I did e-consent for their soft inquiry pull which wouldnt affect my credit but, to my surprise a hard inquiry was pulled. Talk about shady business tactics and no help from support either. Told me to just dispute the inquiry.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

AcXXXX 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 card

On XX/XX/2017 Fifth Third Bank made an unauthorized hard inquiry to my credit report ( XXXX ) of which I understand is illegal. I never signed any documentation authorizing this inquiry which is currently affecting my credit score.
Product: Credit reporting, credit repair services, 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. 
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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681 c. ( 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 crime which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 reasonably cause to believe that the information is inaccurate.
Product: Debt collection

In XXXX this debt showed up on my credit report.It is not mine. Looking at an old report, I see that is was opened with Midland Funding on XX/XX/XXXX in behalf of XXXX XXXX ; so, over eight years ago, I wrote them a letter shortly after requesting they remove it. They assured me, that they would. 
Yet, I receive a letter today from them requesting that I settle for a discount of 10 %. 
This is the second such letter I have received from a collection agency in the last several months. In the first case, the supposed debt was almost seventeen years old!

In California, it is illegal for them to attempt to collect a bent that is older than five years, however collection agencies are doing it anyway. 
I called Midland Collection Agency today, and they told that they would not sue me. Of course they wont, they cant. 
However, what is happening ( and maybe not in this case ) is that collection agencies are selling their paper to other collection agencies, who then change the date on the original delinquency to the date that they receive the paper, thus keeping old and already paid debts on the consumers credit report for much longer than the law allows.
Product: Credit reporting or other personal consumer reports

We were on a state subsidized daycare voucher. My child attended this XXXX for exactly XXXX days before I had to immediately take her out of the XXXX due to injuries she was sustaining there and she was placed in another childcare. Notwithstanding the fact that she was immediately removed from the childcare, I was on a XXXX subsidy, AND I reported the injuries to the State, this account was still placed in collections! The collection agency is IC systems XXXX. They placed the account in collections in XXXX of XXXX and my child went to this XXXX under the XXXX subsidy for XXXX days in XXXX of XXXX. I am attaching photos of my child 's injuries and complaints filed with the XXXX XXXX voucher office regarding the neglect at this center and my immediate withdrawal of my child from the center. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF B

OTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Bank account or service

Regarding : # XXXX On XXXX XXXX, I got an email from the Ally escalations desk asking me to call them to resolve the above matter. I called thirteen times and each time was asked to leave a message as there was no one available. The next day, I got an email with another number. I called 7 times and again no ability to talk with the person responsible for resolving the case. This is a check for {$190000.00}, where they are holding my money and I have no access to it. Please help me expedite resolution. It 's taken hours of my time with no results.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPT ED/XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit card or prepaid card

I paid off a Barclays credit card. It was applied to the incorrect account. I now have a negative balance and the card that was supposed to be paid off still has a balance. I called Barclays and was told that the only way to correct this was for them to send me a check. I have waited over 3 weeks. In the mean time, they are charging me interest on the card that was to be paid off and holding the {$1500.00} dollars. According to customer service, the check was never sent. Today I have been on hold for XXXX  minutes only to be told that the system is " down ''. I asked to be sent to a supervisor and I'm still waiting. This is fraud. They are holding {$1500.00} and charging interest on the other account. I can not talk to anyone who can help. Please help me fix this.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 Around XXXX or later I attempted to deposit {$500.00} in the form of 5 XXXX XXXX dollar bills multiple times. Into an all point atm located inside a XXXX store. The address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On the first attempt the machine said it couldnt accept my funds, in which the money was returned. I separated the bills, smoothed them out, and reinserted them back into the machine. This time the funds were lost in the machine. As it noted my deposit didnt go thru. I attempted again with no avail as the funds were lost, and no trace of my funds. I called the number on the bottom of the machine ; the service rep instructed me to call the number on the back of my debit card so the bank would make a claim.
Product: Credit reporting, credit repair services, 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. 

The Home Depot/CBNA account number XXXX XXXX U.S.C 1605 Determination of Finance Charge 15 U.S.C 1666b Timing of payment 15 U.S.C. 1681b - Permissible purposes of a consumer report 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 was on XXXX to consolidate my bills. XXXX XXXX was one of the bills. It was closed and paid in full two years ago. It showed as a charge of not once but twice on Transunion two years after it was paid off. I have called several times, been called a liar and hung up on. I worked very hard to pay off my debts and was just getting back on my feet. It is wrong when credit reporting agencies supply in correct info and refuse to correct it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX