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

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Transunion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}.
Product: Vehicle loan or lease

I was charged for a loan protection insurance plan without my authorization. 
The documents provided to initiate the loan were false and confusing, and disguised with another series of documents, in the end they seem like a scam. They never showed costs, payments or coverage, and in the header of the document it clearly says that it is not an insurance contract when in reality it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX # XXXX and # XXXX, have 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 reports a consumer reporting agency can not furnish a account without my consent
Product: Debt collection

" I've received multiple phone calls from Shepherd, all from various numbers. Despite asking them to stop calling, they continue to reach out. Could you please help ensure they no longer contact me? '' I have attached a screenshot of my phone showing various numbers they called me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of refinancing my house when the loan person told me there was a 30 day late noted from my mortgage company on my credit report. They will not proceed forward with my refinance until the mortgage company writes a letter acknowledging their error. My mortgage was sold to United Wholesale Mortgage immediately after closing, XX/XX/2019. 
The letter written to the mortgage company as well as the complete description is included in the attachment below.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, 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 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 ACCOUNTS. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit card or prepaid card

In XX/XX/2021, my Discover Credit Card was stolen and purchases were being made without my permission. From XX/XX/2021 to XX/XX/2021 my card was charged {$11000.00}. When these transactions took place Discover failed to notify me that these transactions were happening. They did not call me or message me asking if I was making these purchases. One of the charges included was a hotel charge in Florida of over {$4000.00}, how can they charge me for that and not call me to confirm it was me. In addition, I only have a {$9500.00} credit limit on my account, so how in the world did my balance jump to {$11000.00}. They have deemed that the transactions are valid, even after I provide proof that I was in CT with credit card statements that showed my presence in CT through purchases I made. I have cooperated with them to the best of my ability, yet they have failed to help me in this terrible situation. They have failed to protect me in this situation and have left me in a position with a debt that I can not afford. The negative impact on my life will be astronomical from this situation, and the only thing they care about is themselves and taking advantage of their customers. They also provided zero proof that I benefited from any of the transactions. 

In addition, there were two fraudulent plane ticket purchases and two fraudulent hotel rooms both booked during the same week. Discover was claiming that I was in two different places during the same week, their only explanation was that my name was on there providing zero proof of their claim. After speaking with XXXX XXXX from the executive office of discover he told me that the only way that they would open the case up is if I file a police report. I went to multiple police stations to try and get someone to write a report for me and they all said the same thing, " We do not write police reports on credit card fraud because of its international nature. '' Yet Discover continues to tell me that I need one. They have pinned this debt to my name with no worry in the world. XXXX XXXX from discover has not been helpful to resolve my issue and has not returned my phone calls. Discover does NOT protect you if you are a victim of fraud. This is my third time writing a complaint with them and its been close to 6 months since the fraud occurred, nothing has changed.
Product: Mortgage

This company pre-approved me for the wrong amount because XXXX did not know the rules for USDA for small business owners. She took only one last year 's tax return to calculate when they require the average of two years before letting me know she was going on vacation on her anniversary cruise and XXXX would be helping me. XXXX found the rules and called them and then it 'killed the deal ' on the contract I had executed. They then pulled my credit so many times it killed my credit score also and gave me bad advice to sell my car and buy a different one, etc. I also felt some staff were rude and discriminatory on due to that I was a single woman, which was documented in an email. The owner of the home was a realtor and I found it online so I did not use the other realtor for the prior home I had looked at that was not 'approved ' anyway for the mortgage by them. The contract was executed on XX/XX/2022 and they had sent one 'wrong ' approval prior and then a different one after that as well. And I did have some money down, about {$5000.00} plus I was selling a boat at about XXXX, which I did sell, and land at about {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are being reported on my consumer report that I did not authorize nor consent too. Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A person ( Experian ) 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. ) I'm informing you that the information is inaccurate and consent wasn't given
Product: Debt collection

I have submitted fraud packet to national credit systems. I request that this account is removed from all credit reporting agencies.
Product: Credit card or prepaid card

I have had several issues with this account. It is a store credit card for Victoria 's Secret. I spoke to their customer service team numerous times about an unrelated issue that ended with me requesting my account be closed in XXXX XXXX. I had one final balance due on the card which I paid for on XXXX XXXX, XXXX for {$60.00}. I then got a bill in XXXX which said I owed a late fee of {$28.00}. I was XXXX, but I paid that as well on XXXX/XXXX/XXXX. I was then charged XXXX for Account XXXX, as well as {$1.00} minimum charge on XXXX/XXXX/XXXX. I disputed this via secure message on my account site, as this account was supposed to be closed. I was then told that this was charge due to " purchases made outside a grace period ''. I have n't made a purchase on the card since XXXX XXXX so it made no sense. I again disputed this via secure message and did NOT pay the bill. I was then charged again for the same thing plus a late fee on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My account was supposed to be closed, I should not be charged any fee or minimum amounts or late fees. This is ridiculous! I now carry a balance of {$3.00} on an account that should have been closed months ago.
Product: Credit card

I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX social : XXXX Date of birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card with XXXX XXXX opened on XX/XX/XXXX under the account number XXXX an auto loan account opened with XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a credit card with XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXX. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, and auto loan are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying on my vehicle for almost 3 years. The company has only reported the first 15 payments which are all current. I have notified them several times of this. I was called this month and last month about my payment with threats of negative reporting to the bureaus only to find out that the trade line was last reported XXXX XXXX as Current with a XXXX balance. I have continued to pay on this trade line in hopes that it was helping my score but it has not been reported and thus is preventing me from getting a mortgage or a better vehicle. Please help. I called the finance company today and they advised that they have been aware of the issue since XXXX and it has not yet been resolved. I have dealt with a lot of shady dealings with the now closed down dealership and the finance company. Please help.
Product: Debt collection

Account did not belong to me. It was an identity theft issue. I was repeatedly contacted after communicating with the company to send me a Contract request / Ownership proof to no avail. I was contacted via text, phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to the Credit reporting Agencies in accordance with the FCRA 's guidelines to ask that the following accounts, which I consider to be erroneous and incomplete, be looked into right away and updated on my credit report. I read over my credit report and found that some of the data was incorrect. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Checking or savings account

The company is illegally charging my small business checking account with an " analysis service fee '' - which is all over XXXX from other angry customers. I never asked for the special service - a laughably outdated mail advice when a deposit is received. Who would pay {$22.00} to receive a letter by snail mail in the digital age? Multiple requests via phone and email have resulted in them telling me it has to be resolved in the branch. I have visited two different branches and yet the fees continue. This company must be held to account for illegal billing practices and obstinance in correcting the situation.
Product: Student loan

I have made several attempts to resolve the issue with the XXXX XXXX XXXX XXXX and The Office of the Ohio Attorney General Collections Enforcement Section. I completed my degree from XXXX XXXX XXXX XXXX ( XX/XX/2003 ). I was enrolled at XXXX XXXX XXXX XXXX for one year after that date. After leaving the university, I completed the necessary paperwork to consolidate all my student loans with XXXX XXXX XXXX department. Several years passed, and I tried to obtain my official transcripts from the institution to obtain full time employment and complete my terminal degree. At this time, I was told that I owed a balance. I didn't receive any notice allowing me time to make payments on this loan. The financial aid department kept giving me the run around concerning this issue. They told me that they couldn't help me because they sent it to collections. I never received any correspondence stating that the loan wasn't included in the rest of my student loans. Additionally, I contacted the Ohio Attorney Collections Enforcement Section. I am also getting no resolution from them. They told me that the loan could be included in a consolidation with my other loans. This still hasn't occurred and I am still being blocked from receiving my official transcripts from XXXX XXXX  XXXX XXXX. This is causing on negative impact on my life. I can not obtain employment in my field. Additionally, I can not completed my XXXX degree because they will not release my official transcripts.
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. 
for Account XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. THE ADDRESS FOR THE DEROGATORY ACCOUNT IS NOT AN ADDRESS THAT I HAVE EVER RESIDED AT. I HAVE NO KNOWLEDGE OF THE ACCOUNT. THE ACCOUNT AND INQUIRIES ARE NOT AFFILIATED WITH AND TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Product: Payday loan

Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$460.00}.
Product: Mortgage

This is my second time complaining. Shellpoint is completely incompetent. See below a chain of events : 1 ) Even though we paid flood insurance in full and provided them with declaration pages, they put insurance on the house and required an escrow 2 ) Even when they provided flood insurance information, they still did not remove the escrow. This is still a point of contention. They tell me they are collecting the escrow for next year 's premium 3 ) We paid our property taxes in full to XXXX County. It turns out they paid it as well 4 ) Now that they discovered the double-pay, they have materially increased our escrow I have called them numerous times, and they will not address this issue. We pay for everything in full and directly, and instead of removing the flood insurance escrow, they now slapped on a property insurance escrow. 

This is absurd. I have never complained to CFPB before, and now I am complaining twice on the same issue. Can you please help me? The first inquiry actually yielded negative results, since they INCREASED my escrow after I complained.