23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunday evening. XX/XX/XXXX. I started receiving notifications via email from various credit card companies stating that my credit score had just changed. I went into my XXXX XXXX XXXX XXXX score to notice that my credit score had dropped XXXX points. The reason was Ally Financial, on XX/XX/XXXX & XXXX, had reported a derogatory Account and a Delinquent Account. I did some further research to notice the account number was not man account number. 
I immediately called them Monday morning, XX/XX/XXXX and reported the incident. I have had a loan with then since XXXX and never once have had a late payment, not once. 
After looking into my account they confirmed just that and said it was a computer mistake that inn 30 days it would be taken care of. I insisted I wanted it removed from my record but again was told it would take 30 days. I was told I would receive a letter and I would have to contact numerous credit bureaus and show them the paper I was to receive. Yesterday, I wrote them a letter in my profile email stating if I did not hear back from them I was reporting them to you. Needless to say, I have not heard a word from them. Ally has not been the least bit concerned nor made an effort to rectify this situation.
Product: Credit reporting or other personal consumer reports

I try to delete this account in my credit report that was fraudulently open or are in my credit report by error, and Transunion not delete this account and still reporting on my credit.
Product: Mortgage

Mr. Cooper Nation Star Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2400.00} Received that check, check was no good. They were suppose to reissue a new check several times. Last one promised was suppose to be here by XX/XX/XXXX XXXX XXXX. 

Company is very hard to get a live person. We just would appreciate our refund that was going towards taxes that they were collecting. 

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

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 Bank In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

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

Equifax ; XXXX and XXXX  are reporting incorrectly ( 90 ) plus  days late on the XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. ( Please see pages 1 and 2 of  the attached credit report. ) I have made multiple consecutive payments on these accounts and therefore they should not be reporting any lates. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful. Please delete these late payments from these trade line items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I enrolled in the " Bank, Budget & Earn Up To {$500.00} On Top Of 2.02 % APY Promotion '' above and believe I should have received my bonus by XX/XX/15 in both accounts but have not received it yet.
Product: Debt collection

XXXX XXXX XXXX is claiming that I owe {$540.00} for an XXXX account that does not belong to me. Im a victim of identify theft and have taken the necessary steps in order to clear my name. I was told that the account is now with XXXX Pressler and Pressler LLP who filed a lawsuit against. 

I was never notified of said lawsuit or presented with proof that shows the account belongs to me.
Product: Debt collection

I was renting an apartment, and I missed the last payment to complete the 12 year contract. This was in XXXX XXXX, and I now live in XXXX, XXXX. I received this letter from a debt collector, which is triple my final rent payment, plus attorneys fees. This debt is from XX/XX/2011. Also wanted to mention, I was harassed by the management, due to my upstairs neighbor who called the police on me every night saying I was being loud in my home. Most times they showed up I was not even there. This lady didnt like young people living under her, and was trying to get me kicked out.
Product: Credit card or prepaid card

XXXX   XXXX   XXXX     - I received an unsolicited credit card in the name of my company from   XXXX   XXXX   with a credit limit of {$150000.00}. In addition, no credit terms were included with the card, which violate s TILA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX XXXX, & UPGRADE to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that Prosper IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, XXXX XXXX, & UPGRADE has a note on my credit report which states " National Disaster ''.
Product: Mortgage

Early in XXXX, XXXX, I was informed that Shellpoint Mortgage had taken over my existing home mortgage. I went to their website, as instructed, set up a password and username and logged into my account as instructed. The account, under my name, address, and loan number, instructed me that my payment was due XXXX XXXX, XXXX. I returned to the website on XXXX XXXX, and the same instructions were there, payment due XXXX XXXX, XXXX. Sometime during XXXX I received a letter saying I was XXXX months in arrears, XXXX and XXXX. I called and talked to a Customer Service Rep who said that some one else 's payment was credited to my account - an obvious lie, as no one else had m y name, address, and account number, and that I was in danger of foreclosure. I pointed out that the mistake was their 's as I had saved a copy of the XXXX pay date in my computer, had Printed out a copy of it, and taken a photo of it with my phone. He said, in essence, Tough Sh*t, pay up! 
I am XXXX XXXX XXXX and live on SS. With today 's inflation and gas prices, my SS does not last the entire month. I have to go, each month, to one of my kids ( who has his own family ) for these payments. When he was told no payment was due until XXXX, he used the money for other essentials. 
Now, I am being threatened with the loss of my house due to THEIR mistake. 
Please help!
Product: Credit reporting or other personal consumer reports

TRANSUNION HAS INACCURATE REPORTS THAT DO NOT ALIGN WITH THE OTHER CREDIT BUREAU AND HERE I HAVE THE PDF OF THE REPORTS THAT ARE INACCURATE AND I NEED THIS TO BE REMOVED FROM MY CREDIT IMMEDIATELY UNDER SECTION CODE 605B
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX at the XXXX  - I am typing this on behalf of the complainant - who is a XXXX  in the XXXX. He does not have access to the internet but is dictating what is written. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened a PayPal account many years ago and his Social Security funds were deposited into his account. He later opened a traditional bank account and his funds were routed there. 
XXXX XXXX has been trying for years, unsuccessfully, to withdraw his funds from PayPal- now XXXX. 
Amount : {$6800.00} I have assisted XXXX XXXX in calling numerous times and have followed all their instructions to receive the funds. However, they have STILL not sent him his funds. 
They do state the account is now closed, but they repeatedly state they are mailing his check but then don't. Each time we call they ask for numerous documents to prove his identity and we send them- and the next call they ask for all the same documents. 

They transfer us to multiple agents but never a supervisor, even when requested. 

I have personally called PayPalXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have sent them numerous emails to the email they offer : XXXX Including copies of emails from them, copies of his medical record indicating he currently RESIDES here ( proof of address ), copy of his DL, his SSN card, copy of a statement from PayPal and an email from PayPal. 

They respond to the emails that they are received - but then nothing else. 

XXXX XXXX resides at the XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have assisted him on the phone numerous times and followed all the agents instructions and they continue to fail to release his funds to him. He is currently homeless and requires this money to find housing. 

This money is HIS money he deposited and they are making it impossible to retrieve HIS funds. 

They will not respond to email and each phone call they say the same thing. They are sending the check or ask us to send proof of identity and address. 

There is nothing more XXXX XXXX can provide. The company is withholding his funds from him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Student loan

MOHELA has not addressed my IDR application submitted XX/XX/year> via studentaid.gov
Product: Payday loan, title loan, or personal loan

Someone applied for a credit loan using my name.
Product: Checking or savings account

I have had a discover credit card for almost 5 years, never missed a payment. I enjoy their services so I decided to open a checking account. I did got my card, added funds to my account. Then i get a message saying my account was closed based on business decisions. No solid answers and that my money would get sent by check in 60 days! I have a reputable history with them so I do not understand why they treated me like this.
Product: Credit card or prepaid card

I have had an account with PayPal for several years and have not had previous problems. 
I contacted PayPal regarding charges on my account for items that were not ordered by me or anyone in my household. 
Corrections were made for all but one charge. 
The charge that was not adjusted involved a purchase from XXXX XXXX in the amount of {$200.00} dated XX/XX/2022. 
The {$200.00} was withdrawn from my bank account by PayPal on XXXX XXXX I received a statement from PayPal stating that after review they found that this WAS NOT an UNAUTHORIZED transaction. 
I also contacted XXXX XXXX on XXXX was subsequently informed that they are investigating At this time I have not been refunded for this unauthorized charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX or XXXX of 2022  I reached out to all 3 credit bureaus plus the creditors WHICH are XXXX XXXX XXXX, SOURCE RECEIVEABLE MANAGEMENT, AND XXXX XXXX XXXX. I Sent a debt of validation letter from all 3 companies plus from XXXX, XXXX, and XXXX and all 6 companies failed to send me a letter with my wet signature or anything of that matter to prove that these accounts were mine. They failed to do so. Per 15 usc 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' So because you all failed to follow the procedure and legal steps these accounts legally have to be removed.
Product: Vehicle loan or lease

Refinanced my vehicle in XX/XX/year>. My hubby was on his death bed from XXXX and it was a quick way to keep moving on. Recently heard about the deceptive practices alleged against OneMain and checked my agreement. I found that I too had been sold an insurance policy without my knowledge. Extremely high interest rate as well.I feel as though I was taken advantage of by OneMain while I was in a very vulnerable state. Please check this out. As a XXXX XXXX XXXX XXXX, I don't have any extra to spare. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

This is absolutely horrible how I am being treated with covid I reported my card as lost they told me they would expedite it by XXXX and I never got it then they apologize and said they never sent it now they reissue me a card called me to confirm its me and I get the card they blocked my online access online banking everything for no reason this is not fair and told me to go with my id to a financial center this is ridiculous with covid
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I sent a letter on XX/XX/XXXX to the Credit Bureaus requesting that they remove Fraudulent accounts that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ) .Ive already included this in my previous Complaint & I am including them again. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00XXXX XXXX XXXXXXXX Balance : {$63.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There was an unauthorized use of my social security no. 
please remove this inquiry as soon as possible fraudulent usage, stolen identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XXXX XXXX, 2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Checking or savings account

I have been a customer with Chime Bank for over seven years. Recently, during Hurricane Helene, my home was broken into, and several items were stolen, including my phone, debit cards, and personal documents. The hurricane hit on XX/XX/year>, and my family evacuated. When we returned home on XX/XX/XXXX, we discovered that looters had taken advantage of the situation. I reported the theft to the police and contacted Chime to report unauthorized ATM transactions. 

On XX/XX/XXXX, I requested that my card be replaced and my transactions reviewed. I was told that while the usual dispute process could take up to 90 days, I was eligible for a temporary credit. Despite this, my claim was denied the same day, and the documentation provided by Chime only reflected the information I had already shared. I filed a rebuttal, and during calls with Chimes dispute team on XX/XX/XXXX and XXXX, I was assured by XXXX representatives that a credit was pending. However, on XX/XX/XXXX, I received an email stating that my rebuttal was denied, and no credits would be issued. 

I am extremely frustrated by the misleading information I have received. As a loyal customer and someone who works in banking, I expect a transparent and fair resolution. I request an immediate review of my case and that the stolen funds be restored to my account. This is unacceptable, and I will take further action if necessary.
Product: Checking or savings account

At end of business on XX/XX/2018 my account was overdrawn by one cent and I was charged a {$35.00} overdraft fee because of that. They advertise {$5.00} overdraft pass but apparently since the item that overdrew my account by one cent was more than {$5.00} it triggered the fee. I asked for the fee to be returned at my local branch in XXXX, PA and XXXX said he would look into it on the next day and call me. He never called and never refunded the fee. I tried calling him and still never returned the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. Citibank is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of Citibank shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I have two late payments on a account that I was never late for. Consumer Reporting Agencies have assumed the vital role and have a responsibility to report Consumer Information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : ( XXXX XXXX ) account number ( XXXX ) .Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as agreed as they should be as I was Never late. Thanks
Product: Debt collection

I went to a XXXX dealership to purchase a side by side on XX/XX/2022 and the dealership had me go through a loan agency ( Southern Loans Inc ) to purchase this item. Well after a year or so I went reading up on my contract with them and I found fraud in the contract and it states, " promise to pay '' x amount of dollars ( total amount {$24000.00} ) back with x amount of interest ( 17.89 % ) for 60 months for a " loan I received '' well I never received a loan or bank transaction for this purchase. I have been reading up on USC and UCC laws and all this is fraud.

Title 15 USC 1- Trust, ect., in restraint of trade illegal ; penalty Title 15 USC 1692j- Furnishing deceptive forms Title 15 USC 44- Documentary evidence Title 15 USC 83- Loans by bank on its own stock Title 15 USC 1601- ( A ) Title 12 USC 1431 Title 18 USC 8 Sec. 9-102 ( a ) # 65