23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against the Child Support Division regarding an alleged child support debt that has been erroneously reported to my consumer report. Despite my efforts to seek validation and documentation of this alleged debt, the Child Support Division has failed to provide any evidence or respond to my inquiries. As a result, I am suffering significant harm to my finances and credit profile. In XXXX of XXXX,, I submitted an affidavit of truth to the Child Support Division, as well as letters to XXXX and Equifax in XXXX of XXXX, requesting validation of the alleged child support debt. In my affidavit to the Child Support division, I emphatically stated that I have never been legally ordered to pay child support and that there is no record of me appearing before a judge, or received a judgement order, court order for such an obligation. Additionally, I have never consented to, agreed to, or accepted any responsibility for child support payments. I have requested a judgement order, court order or any documentation that validates this alleged debt, but have been met with silence from the Child Support Division.I also requested that the child support division explain how they obtained my name and address and social security number to report information to my consumer report as well as to cease reporting. The lack of response and the continuous reporting of this unverified debt have caused substantial damage to my finances and credit profile, hindering my ability to access credit and financial opportunities. It is also listed in my consumer report that a balance of XXXX is owed, but it also shows that payments have been made of {$200.00} a month consistently since XXXX. Well over 5yrs but the balance still remains at XXXX. Everything is inaccurate and they continue to report inaccuracies to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, STEWARD FINANCIAL SERVIC add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

i had a credit card with indigo master card ( Genesis FS card services. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. 
now a company by the name of XXXX XXXX capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. 

indigo master card Genensis FS card services XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Student loan

I was coached into forbearance with accruing interest instead of information on income based repayment options. The lender charged a daily late fee on each of my individual loans. I borrowed under {$30000.00} and owe today over {$57000.00}. I recently qualified for Income based repayment. Navient destroyed my credit. When out of forrbearance and unable to my pay my income was garnished 20 %. Because my college failed to coach me to change from an XXXX Degree to a XXXX Degree when entering my third year with two XXXX level classes not taken. I was no longer eligible for financial aid and never competed my XXXX Degree or my XXXX. Without the degree I remained in the same employment pool as a High School Graduate. Navient, my college and XXXX XXXX XXXX all failed me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I received a text message from my cousin XXXX XXXX ( XXXX ) Through his XXXX account asking for money. I did not question that request because we had financial transactions before. So, I went ahead and sent the money to the email address he provided ( XXXX ) First name : XXXX, last name : XXXX 

I was scammed by someone impersonating my cousin. 
I want Zelle to provide the real name, date of birth, banking information, and address of the scammer ( XXXX ) First name : XXXX, last name XXXX XXXX 
The scammer must have a bank account before receiving my money. I filed a criminal complaint with XXXX XXXX Police will need this information to do a thorough investigation. 
Please see the attached files for more information.
Product: Credit reporting or other personal consumer reports

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$480.00} payment to PayPal in efforts to keep my account under 30 % utilization. On XX/XX/XXXX after the payment processed they immediately decreased my credit limit by {$500.00} making me go back to 100 % utilization. 
Calls to their customer service were a series of transfers and stating that nothing could be done. The reasons Stated is that there are too many revolving accounts with high balance and that is literally what I was trying to resolve and they are being counterproductive to that. The only reason I made such a large payment was that I intended to use this as an emergency card during the pandemic and now I lost {$500.00} for essentially no purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX  XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. Please remove the following unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Mortgage

This is the fourth complaint about a mortgage on the same property, same loan amount. The loan has been satisfied. I had to file a complaint against XXXX, Seterus, Mr. Cooper and now Nationstar Mortgage who has reported inaccurate information as of XX/XX/2020 to the credit reporting bureaus which has caused the creditors to lower my credit status which causes many problems during our COVID-19 pandemic. 

I will attach the same documentation I used to get the above mentioned lenders to successfully remove the derogatory information from my credit file. When trying to contact Nationstar using the phone number on the credit report- XXXX, I get Mr. Cooper . I sent proof of satisfaction of payment to Nationstar to the addresses on the credit reports.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES SHOWING ON CREDIT REPORTS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have multiple medical collections on my report where it's older then 7yrs and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP
Product: Credit reporting or other personal consumer reports

there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  I never attempted to get these accounts.
Product: Bank account or service

1. XXXX received a dividend check in the amount of XXXX from XXXX XXXX XXXX through XXXX and their affiliate bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, PA ) dated XXXX/XXXX/2016. 
2. This was deposited to The Bank of OKlahoma ( BOK ) on XXXX XXXX 3. This deposit was returned XXXX/XXXX/2016 bcs according to BOK bcs the check had already been cashed. 
4. I called XXXX XXXX and who sent a letter that the check was cashed XXXX/XXXX/2016. ( 1 day after deposited to BOK ; I assume then that BOK was paid ) 5. Talked to BOK branch employee and submitted check again. This check was returned. BOK says the problem is with XXXX XXXX. XXXX XXXX says check is cashed. 
6. So, our XXXX is out the {$200.00} in dividends. Possible tax on the dividends. And unresolvable issue. 
7. I called XXXX XXXX to give me a letter stating who cashed the check. And they said it would be a {$35.00} fee.
Product: Mortgage

Chase Mortgage Financial is refusing to honor my Mortgage Modification that was accepted thru the HUD HOPE program. I completed the program thru XXXX XXXX XXXX where I was advised that I would be receiving paper work that outlines the fresh new restructured Mortgage interest rate and monthly payments. This was suppose to happen around XX/XX/2019. As of today, I am still waiting for this paperwork. I have tried to contact Chase yet my Relationship Manager refused to return my calls. Even my Financial Consultant reached out to this Relationship Manager and he was also unsuccessful. Due to Chase 's negligence in properly managing this mortgage and refusal to honor the new Restructured Mortgage, it has turned into a complete nightmare. I am being harassed by their Debt Collector ( who is a law firm ), who not only refuses to honor a cease and desist order but continues to file FRIVOLOUS Motions with Connecticut State Court of law and threatening me with foreclosure. 

Chases " explanation '' in the past to their blatant negligence is egregiously incorrect! Not only have they been calling a number that is not even mine, they are claiming they needed new information stemming 5 years ago which is new news to me. The mortgage was never 184 days late! They purposely refused payment due to their negligence in properly managing the mortgage. My Mortgage has COMPLETED THE MODIFICATION PROCESS! It has been restructured with a new interest rate and monthly payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a 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 permission.
Product: Mortgage

Franklin Mortgage started foreclosure on my property. Franklin Mortgage admitted fault per the attached exhibits. Franklin Mortgage and their foreclosure attorney from Utah, XXXX and XXXX, also stated that the delinquencies would be removed many months ago. 

This has gone on now for over 2 years and they negligently continue to negatively affect my credit and financial well being. 

The disregard for decency by this lender and lawyer is detrimental to their customers and unacceptable by any standards.
Product: Credit reporting or other personal consumer reports

Upon scrutinizing my consumer report, I've come to the realization that my consumer rights have been breached. Referring to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ), it's explicitly stated that " the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. '' Late payments constitute transactions, and utilization reflects the experience derived from credit usage. However, TransUnion, XXXX, XXXX is indicating late payments on multiple accounts listed below XXXX ACCOUNT # XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX XXXX BANK ACCOUNT # XXXX and/or utilization, which are experiences created by credit usage. According to 15 USC 1681b ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. '' I never provided TransUnion, XXXX, XXXX with written instructions to include anything in my consumer report, let alone these late payments/utilization. Furthermore, as per 15 USC 1681 602 Congressional findings and statement of purpose, it's stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' It also emphasizes that the banking system relies on fair and accurate credit reporting. Inaccurate credit reports directly impede the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential for the continued functioning of the banking system. The reporting of these late payments is inaccurate, and my privacy has been violated due to TransUnion 's, XXXX 's, XXXX 's infringement upon my consumer rights by allowing these late payments/utilization to be reported on my consumer report.
Product: Debt collection

All of the collection of debts are recognized. They did not provide enough information to verity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, in fact did not consent to, authorize nor benefit from the following account, XXXX XXXX XXXX Balance : {$10000.00}. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). This account reappeared after it was originally deleted the first time. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.
Product: Credit card or prepaid card

I received an alert from XXXX XXXX, stating that a credit card from indigo-XXXX  was opened in my name and has a charge of XXXX I have never applied for a card with this company nor do I own one. 

Please send any correspondence about this complaint to my mailing address. my address is XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX and XXXX XXXX have violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 602 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I was left a message on my desk by my assistant, she explained to me that this person keeps calling the office repeated - ( Photos taking from previous dates they have called ) I do not owe any monies nor did I give Any one permission to sell, trade, buy, lease, rent to own, my personal information. This is harassments calling my place of employment. This is a violation of my consumer rights. 

As of today XXXX this illegal, unprofessional, harassments can potentially effect my employment status. 

My personal business ( via true or false ) with constant calls has literally caused character defamation.
Product: Debt collection

On XX/XX/XXXX I found that I was the victim of identity theft and I did not recognize the debt on my credit report. Upon researching my credit report and speaking with Perfection Collection and XXXX, I was able to find out a person that shares my same name had a debt with XXXX XXXX XXXX. A person with my same name in XXXX, XXXX did not pay {$2400.00} ; XXXX charged off the debt to a third party collector. The third party collector was Perfection Collection LLC. 

At that time, Perfection Collection LLC erroneously applied my social security number to the debt. I only share the same name as the responsible party. 

Since XX/XX/XXXX I have been in contact with XXXX and Perfection Collection LLC without a satisfactory resolution of this incorrect debt. 

I did not sign up for that account, that debt is not mine, and I am not legally liable for the debt. However, because of Perfection Collection LLCs mistake and XXXX inability to fix the originating account ; I have had a negative credit impact. It has negatively affected my credit score and my ability to make credit decisions. 

I have also tried to supply sufficient evidence including my driver 's license and employment verification that this is not my debt. Neither company has been able to resolve the situation. Perfection Collection LLC sent me a copy of the XXXX contract. It is clear that it is not my signature. This has not been solved by either XXXX or from Perfection Collection LLC. Both of these companies are responsible for having wrongly applied this debt to my credit report, and not sufficiently fixing it. 

I have asked both companies for a letter stating that this is false so I can submit it my credit reports. They have failed to do so. 

Third party collection company Perfection Collection LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX phone : XXXX and the originating creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account number XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

The credit card company sent a statement for a bill of {$9.00} with no evidence of a related charge. This amount was paid to avoid damages to credit. Upon attempting to use the card recently for a purchase of {$7.00}, the transaction was declined and upon reviewing the account, it appears that the credit card company again billed for an unrelated charge of approximately {$39.00} on or about after issuing a statement approximately XX/XX/2020. This is the same amount paid on XX/XX/2020 to bring the account balance to XXXX. This is an XXXX XXXX XXXX ( credit builder card ) backed by Synchrony Bank and I paid {$100.00} to initiate this account from my personal checking account with XXXX XXXX XXXX XXXX. The total unknown charges is {$48.00}. The total amount in question is {$140.00} from my personal checking account.
Product: Mortgage

I want to start back making my mortgage payments on time. I want to make my late payments as well.
Product: Vehicle loan or lease

XXXX letter from key bank XXXX XXXX XXXX XXXX oh XXXX " Due to the circumstances of your Account we are not reporting the Account to the consumer credit reporting agencies '' The auto loan was reaffirmed XXXX. I have made all payments. They can not tell me what " circumstances '' means. They have not sent me a monthly billing statement in two years or made it available online.I would like both issues to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/2022 to XXXX, Experain and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts.

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.