23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I have been a victim of identity theft and these accounts and inquiries were opened or conducted without my knowledge or consent. 
As per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following accounts and inquiries : Fraudulent Accounts : 1. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate information on my consumer credit profile. There are XXXX inquiries of which I have no knowledge of, nor should my report be communicated with these entities without my consent 15 : USC1692C. Furthermore, according to 15 : USC1692B Transunion is not allow to communicate with anyone w/o consent of me the consumer in regards to my personal information. This has occurred twice given the two inquiries that are shown on my consumer report. I have already requested via telephone that these be removed. I have also followed up with a written letter as well demanding that they remove these inquiries immediately.
Product: Credit reporting or other personal consumer reports

About 7-8 months ago I received a notice from a credit monitoring bureau saying I was 90 days past due on a HELOC loan I share with my ex-wife. Despite having updated my mailing address with the bank approximately 4 years earlier, I never received any communication that the loan was past due and only found out through the alerting credit bureau. This bank has my email, phone number, and address and should have made some attempt to notify me that the loan was delinquent somewhere within the 90 period before reporting. To this day, approximately XXXX since the original alert, XXXX has not contacted me at all by any means and continues to ignore my disputes through the credit bureaus to correct their claims I am in arrears.
Product: Mortgage

In mid XXXX, XXXX, my husbands and I insurance agent that handles our home owners policy contacted us regarding our policy, because a Shell Point mortgage representative had contacted him regarding changes that needed to be made on our policy. So, we contacted Shell Point regarding this issue and was told by a representative but would not give me their contact name, that since we had resigned our mortgage with them, because it had been sold to them, they needed to make changes to the policy, so to my point, we have not signed any documents with this mortgage company and did not attend any closing which was to have taken place in XX/XX/XXXX. I requested this paperwork, and she denied my request, stating they had forwarded it to us by certified mail after our closing meeting. She also stated that our payments had been increased since we had not made any payments since the construction in XXXX. I did not chose to argue with her because we have been making monthly payments to our mortgage lender XXXX XXXX XXXX  since XXXX. To another point, we have had our financial institute call this bank and verify how the checks are being cashed because they have found that the checks are cashed but have not been returned at any time which according to them is very unusual that a canceled check is not returned to be put on file, if ever needed to be pulled for proof in any matter. We are now concerned that the payments are not being put onto the debt because of her comment no payments have been logged since XXXX which is now 12 years, I find that very hard to believe. We are very concerned as to where our payments have landed since XXXX and the amount we were sending was {$1100.00}, for a total of XXXX and our initial loan was for XXXX. We had to file ch XXXX bankruptcy to protect our home so as to begin investigating where our money is and who are these people that are filing foreclosure. Thank you for your time and hope to get to receive some information as to what is going on with this matter.
Product: Debt collection

In XX/XX/XXXXand XX/XX/XXXX I took out two federal parent student loans for my son 's education. Each loan was about {$25000.00}. I began making payments immediately at the level Mohela suggested was a minimum payment. I did this for many years. I finally realized the payments were never enough to cover the interest of the loan. Mohela never told me that. When I contacted them, they said I could bring the loan into a re amortized type of situation and make a fixed payment for 15 years and pay the loan off. I recently fond out that none of my new payment was being applied to principal and in fact didn't even cover the interest. 

So now after over 10 years of payments, I owe more than the original loan amount. My payments began at the {$350.00} per month level and increaswed up to over {$550.00} per month but not one penny has been applied to principal. I was very much mislead by Mohela to my determent and their great financial advantage.
Product: Debt collection

J. P. Morgan Chase Bank failed to file a Creditor 's Claim with my late husbands Estate and collected {$1.00} XXXX on an {$870000.00} deceased 's debt. The Estate was probated in XXXX XXXX Superior Court as Probate Case Number XXXX in or about XXXX. Then, on or about XX/XX/XXXX, J. P. Morgan Chase Bank evicted yours truly, the deceased borrowers widow, from the home where Id lived 27 years, making me homeless. On XX/XX/XXXX, Chase collected {>= $1,000,000} ( XXXX XXXX XXXX XXXX dollars ) when they sold my home for more than double the original loan amount to pay off my late husband 's XXXX refinanced predatory loan amount of {$870000.00} ( XXXX XXXX XXXX XXXX dollars ). Chase Bank knew or should have known that they were required to file a Creditor 's Claim with the Estate. They knew the Borrower was deceased. Shortly after my husband 's death, J. P. Morgan Chase filed a Lawsuit against the Estate, and dismissed the lawsuit voluntarily, soon after its filing. Therefore, Chase was fully aware that a legal debt was no longer owed to them with the demise of my late husband, the sole Borrower, particularly when no Creditors Claim had been submitted and approved.
Product: Credit reporting or other personal consumer reports

I am disputing a collection item listed on my credit report from XX/XX/XXXX, reported by Aldous and Associates, with XXXX XXXX XXXX as the original creditor, for a sum of {$XXXX}. 

As an international student planning to come to the United States, I signed a lease agreement with XXXX XXXX XXXX in good faith. However, due to XXXX border closures in XXXX, I was unable to enter the United States XXXX XXXX occupancy of the apartment as planned. 

I promptly informed XXXX XXXX XXXX of my inability to relocate due to these government-imposed travel restrictions, yet they held me responsible for the lease and are now claiming I owe {$XXXX}, despite the fact that I never physically occupied the apartment due to circumstances entirely beyond my control. 

When I resumed my studies in XXXX, I signed a new lease with XXXX XXXX XXXX, at which point the sum of {$XXXX} was showing on my account. I contacted management, and they agreed to remove this charge from my account since I was renewing the lease with them for the following year. However, unbeknownst to me, the debt had already been reported to my credit report as of XX/XX/XXXX, which I only discovered in XX/XX/XXXX. 

I have since disputed this inaccurate collection with all three major credit bureausXXXX XXXX, and XXXX my disputes were verified as accurate, and the collection remains on my credit report. This entry is damaging my XXXX XXXX and hindering my ability to secure housing and other financial resources as a student. 

I am requesting that Aldous and Associates remove this collection item from my credit report, as it is unfair and does not accurately reflect the circumstances. This debt should not have been reported, given that I could not fulfill the lease due to XXXX border closures, and XXXX XXXX XXXX XXXX XXXX agreed to remove the debt from my account. I have attached my correspondence with XXXX on this issue. Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : 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 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. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Product: Student loan

I called this company and they said they would consolidate my loans and give me loan forgiveness for all my loans and would only charge me based off my income. also told me after 3 years whatever my payments was during those 3 years was enough and my loans would be dropped and would be forgiven. They said based off my income my payments were XXXX dollars when in all reality all they did was put me in deferment for a year. they also charged me XXXX dollars for this service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian requires one to establish an account to access the legally mandated free credit reports previously accessible through the web without an account. I am now getting multiple marketing emails per day to upsell their services - " dark web scans, credit alerts, financial profile, etc. etc. '' There is NO way to opt out of these blatant marketing emails- in the emails Experian says that I will continue to receive emails " like this one about the status of my account. '' These are not account status emails. My account has not changed, I am not interested in the upselling, this is an obvious attempt to get around opt out policies, and people with less awareness about what is happening are going to fall prey to this company 's tactics. Please request that they fix this... 

Here is the quote from the emails : " You can update some alerts and communications preferences any time on your Experian CreditWorks Basic profile, but youll continue to receive notifications like this one on the status of your account. '' And here is the subject of the same email : '' xxx, your Dark Web scan is available ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX  for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.
Product: Credit card or prepaid card

On XX/XX/XXXX I got an email from chime saying Chimes issuing bank, XXXX XXXX XXXX Member FDIC, has identified unusual activity relating to your bank account ( s ). A hold has been placed on your account until you are able to verify this activity with The XXXXXXXX XXXX 

Please see below for further details and instructions on how to request a reversal of this hold. 

What Happened Our partner, XXXX XXXXXXXX XXXX, has identified some unusual activity regarding the amount and/or origin of certain funds which have been deposited to your Chime bank accounts. 
So I called chime and they told me the problem was the XXXX dollars that my boyfriend tryed to transfer me from his edd XXXX XXXX XXXXXXXX card needed to be verified that we needed a notary saying he authorized the XXXX to be transferred to my chime account and they needed his social security card and all my info as well I sent over everything and they keep on sending the same message requesting the same stuff over and over again and I kept calling and they kept on saying they got the documents and then I would get an email from Chime saying they need the same documents again and finally on XX/XX/XXXX I called and talked to a supervisor and Told him to close my account and send me my remaining money that is in the account all my work checks, my taxes and my stimulus check was in the account so he closed and every since then o couldn't talk to anyone about my account and I have been emailing them about my account and they just send over an automated message saying they will get intouch with me in 24 hours well it never happened. I was XXXX and I seen chime had a page so I wrote on a status and one of chime Members wrote me and then email me and I sent over the documents again and no reply back and it's like they don't wan na give me my money back and I went as far as having my sister who has chime calling on three to talk to a representative and they said there is nothing they can do and all I can is email chime support and they Will Get back to me 24/48 hours and they have not that's what I been doing. I also sent a message to chime from my sister email address and they replied back immediately but not from my email address. All I want is my money from chime that's it and that's all and to see if they need anymore documents from me
Product: Checking or savings account

I opened a non-resident account with XXXX XXXX through their international banking center using my XXXX address and phone number. The account worked fine. Then XXXX sold their retail bank to XXXX and failed to inform in time that XXXX is not an international bank and that I won't be able to access my accounts without a US phone number or download the XXXX banking app outside of the XXXX. I therefore haven't had access to my money since XXXX XXXX, when the accounts were migrated. XXXX has violated my Terms of banking which I signed with XXXX which clearly stated that this was an international bank account. 

I found a legal counsel who was meant to resolve this situation for me. She went to a XXXX branch and ask them for their power of attorney template and they told her that both of us have to be present at the branch, which is impossible as I am in the XXXX. 

I then as a last resort tried to use friend 's XXXX phone number to gain access to my account, move my money away and close it, but XXXX refused to do that because the phone number wasn't in my name. 

Since XXXX I have spent several hours on the phone with them and they were not helpful at all. I am therefore stuck with a my money in the XXXX without any access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sunday evening about XXXX XXXX, I looking at XXXX, COVID-19 HOUSING HEARING, Secretary XXXX, thanks for your insight on discussing XXXX Criminal activities by Lenders, by Reporting Agencies and other issues. Equifax remember you XXXX Removed my Paid-off Mortgage loan with XXXX, Loan number # XXXX, remember I told you XXXX to Not XXXX with the Removal of my Mortgage Loan that I Paid off Faithfully as a Powerful XXXX man. Hey CONSUMER FINANCIAL PROTECTION BUREAU remember you let them XXXX play with my Credit Report for over a year and 4 months. CFPB, my US Senator is XXXX XXXX that serves on the Senate Finance Committee, Im Filing a XXXX Congressional inquiry against the Consumer Financial Protection Bureau to Find out the Relationship between the Consumer Financial Protection Bureau & Equifax! Hey CONSUMER FINANCIAL PROTECTION BUREAU youve violated me for over 4 years by ALLOWING EQUIFAX XXXX  AND XXXX  to XXXX with me as a XXXX Consumer, is this Correct? Thanks, Remember I told you about my Fight with XXXX  XXXX XXXX, XXXX  XXXX XXXX vs XXXX XXXX XXXX XXXX, thanks Congresswoman XXXX XXXX for giving us as XXXX Homeowners the insight to XXXX Fight Back, Equifax I told you I would FIGHT BACK $ $ $ $ $ $
Product: Credit card

Went on or fell on cold shoulders and was written off long before the credit report was even turned in I'm
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced with Homebridge Mortgage Company and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now Homebridge reported me late for the XXXX payment and I am requesting they remove that late payment from my XXXX credit report. The Homebridge agent gave me incorrect information. If you check the records, my payment was made on-time ( not XXXX days past due, it was XXXX days ) and it was cancelled the next day. It is unfair to force consumers to pay XXXX  months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.
Product: Debt collection

I took out a loan during some financial difficulties back in 2016. At the time I didnt know about interest rates or the length of loan terms. I had been paying this loan for over four years and hadnt even scratched the interest. I know now that it was predatory the amount of interest I was paying on the loan. It got way too expensive so I stopped paying. Since then I received phone calls and voice mails about threatening to put it on my credit despite FCRA guidelines that protect military service members. They have since added it to my credit and it has drastically affected it. A third party is now trying to collect on it and continue to report it on my credit, which has vastly affected my credit in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiry from Wells Fargo.