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

I asked Equifax to investigate XXXX XXXX accounts on my credit file multiple times. Each time they come back as " verified '' and " updated '' or " verified '' and " no change ''. However this is an erroneous accounts as they DO NOT not belong to me. These accounts ARE NOT reported on XXXX as such - Equifax continues to report inaccurate data even after multiple investigations. 

XXXX XXXX XXXX account number ending in XXXX {$1100.00} original creditor XXXX XXXX XXXX XXXX XXXX XXXX account number ending in XXXX {$1400.00} original creditor XXXX XXXX XXXX  For quick expediting and no issue identifying me ( which delays the processes I've noticed ), I've attached a copy of my drivers license, copy of utility bill, and copy of XXXX which includes both my soc sec # and my current address. 

I now demand these accounts be removed from my Equifax credit report and an updated, accurate credit report be provided to me to document this. I am invoking my federally protected rights to a XXXX % ACCURATE credit report. 

This is my information, you are obligated as a data reporter to ensure this happens and if not, delete per federal law : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Student loan

Student loan with Navient increased from XXXX to XXXX after 11 years without any notice. 
Never recieved documents or disclosure on repayment loan. Paying every month, but they are reporting non payment to credit bureaus. Calls are met with insulting and rude people. 
On hold for long periods of time without anyone picking up the call. Takes days and hours to get unhelpful responses.,
Product: Consumer Loan

I called into to cancel my payment due to fraud. Dated for tomorrow. I was advised that they would cancel it tomorrow once I called in with my new payment. I explained several times I wanted it cancelled today. I was advised she could n't or would n't do it. Then told due to my delinquency I would have to speak with management. I asked why it could n't be cancelled was told I needed to set something up. Her name was XXXX the debit payment was never cancelled after again explaining it would n't go through due to closing out that debit card. I felt like my checking information was held hostage with nothing for me to do except comply with their demands. I called back to speak with a rep and asked their speedpay policy. All she could tell me was it depends on how far past due you are. I flat out asked could they cancel my payment and was told I still needed to speak with a manager. I should n't and wo n't go through all these hoops to cancel a payment. If I needed it cancelled it should have been done. I planned on calling in tomorrow to set pmts up with my new checking information.
Product: Credit reporting or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response
Product: Mortgage

Requested a forbearance plan due to pay cuts at my current company via the covid 19 pandemic. 
I received a letter that I would have to come up with the complete lump sum after the forebearance period is over, however my loan is an FHA loan and according to the FHA, they can not demand a balloon payment after the forbearance period is up.
Product: Debt collection

This company has removed a bill from my credit report before because it was fraud now a year later they put it back but they dont have the right to place this collection on my credit because they dont have all the necessary documentation needed to follow fcra guidelines. I call and complained they attempted to ask me for my full ssn but I only allowed them to have the last 4 digits the guy tried to say thats all he needed to verify the debt but he needs my entire ssn to verify a debt they also have no proof of ID card or social security card or even proof that I have ever stayed at the address where this service or what was obtained they have no proof of residency I have never paid a bill with att show me a proof of purchase or even a bill that was paid by me before you come damaging someones credit they are placing a falsified collections on my report I will seek all necessary legal actions against this third party if this is not removed immediately and the customer service rep hung up in my face because he was wrong and tried to swindle me out of my social security number that is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and there is no update very much over 30 days, no results nor feedback.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX submit this complaint regarding a violation of the Uniform Commercial Code ( UCC ) involving the improper transfer of a promissory note and the resulting attempt to collect a debt. The note in question was transferred to a third party, XXXX XXXX SERVICES and per UCC provisions, once a note is transferred, the rights of a holder in due course can not be further transferred. This break in the transfer of title to the note invalidates the third party 's claim to collect payments or enforce the terms of the note. Under the UCC, the right of a noteholder in due course is non-transferable. The third party to whom the note was allegedly transferred does not hold the legal standing to enforce collection because the chain of title to the note is broken.

Breach of UCC Protections. The UCC protects against improper enforcement by entities that can not prove their status as legitimate noteholders. The third party in this case XXXX XXXX XXXX failed to demonstrate compliance with the UCC 's requirements for lawful transfer and enforcement of the note. 
Attempted Collection Without Legal Standing XXXX XXXX XXXX actions in attempting to collect on the note are in violation of my rights under the UCC, as they can not establish their authority as the lawful holder of the note. I request that the CFPB investigate this matter and take the appropriate action to ensure that XXXX XXXX XXXX ceases any and all collection efforts immediately.The improper transfer of the note is invalidated, and my rights as a consumer are upheld. Any derogatory reporting to credit bureaus or adverse actions resulting from this unlawful collection attempt are reversed This is a critical issue of compliance with the UCC and the rights of consumers against improper collection practices.
Product: Debt collection

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate info immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts. 

XXXX XXXX XXXX Westlake Service Inc XXXX XXXX Unauthorized written consent to request my credit file from XXXX ... ..
Product: Debt collection

Sent payment via money order for settlement offer. Post office receipt confirms arrival date of money order wasXX/XX/XXXX. The payment was dueXX/XX/XXXX. The company shows online they did not post payment to account until XX/XX/XXXX. They are still trying to collect the remainder due to the date they posted payment to account after the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. the 3 bureaus must validate this reporting account. It is not permissible to fail to validate this reporting account as unverified information without providing proof My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Product: Prepaid card

I purchased a prepaid American Express gift card through XXXX XXXX ( my daughters XXXX  fundraising program ) to use during their out of town competition. I am a mother of XXXX little ones and while {$50.00} may not seem like a lot to most, its a bit more when youre on a tight budget. I have purchased MANY of these cards through XXXX and this is the second time Im having the same issue. I cant add the card to my XXXX XXXX  and therefore can not use it! I called the customer service number 3 times and was given the run around, put on hold and lied to. The first said to call later because the wallet department was busy ( after being on hold for over 20 minutes ), the second guy was the WORST customer service agent Ive ever experienced! After putting me on hold for another 20 minutes, he told me I purchased a business card. Thats a lie because these are the same cards I purchase from the same fundraising site and have the same terms & conditions. You are supposed to be able to add this to your wallet! He told me sorry he couldnt help me and I could only use it online. If I wanted to buy this to shop online then I wouldnt be having this issue. He then hung up on me for no other reason than he didnt have answers for me. He was incredibly rude and so unprofessional. I called back very upset and told agent what happened. She refused to give me agents name that I spoke to because I wanted to make a complaint. She claimed she couldnt tell who I talked to, which could be true. She was unable to help either and told me I could use it in stores, but I just needed to have them enter it manually. I didnt think that was how this worked, but she she was adamant. I was mislead once again because there is not an option at most places. So, Ive been scammed out of money that was meant for use this weekend. This company is dishonest and made no effort to make this right! They could careless!
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Employers : XXXX  Employers : XXXX  Employers : XXXX XXXX XXXX Collection/Charge Off XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Chase Credit Card XXXX says I have a credit card and owe money on it. The have been with drawling money from my XXXX Account. I dont owe a credit card.
Product: Mortgage

My reverse mortgage was recently bought. PHH is the new company. Apparently, the Loan # which is at the top of the most paper communication I receive is incorrect as well as the last 4 digits of my social security number.

For the above reasons, I can not get connected with PPH.

I was able to email them with this problem a week ago and have received notice they had received my complaint, however, I have not received anything back.

Tried calling but after being placed on hold for 15 minutes, ai was disconnected. I tried yet again with the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My SSN was leaked as part of an attack on XXXX XXXX XXXX XXXX. I received free credit monitor from Experian. 

Since, I've had attempted credit card openings which I've halted with the respective parties. I'm also trying to place credit freezes. XXXX and XXXX both let me put free credit freezes in place. 

However, Experian is requiring that I upgrade my account to a XXXX $ per month membership to implement a credit freeze or lock. 

Honestly, a little ridiculous if they're the ones watching my credit because of this known leak.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I sent a {$1000.00} international money transfer over the website XXXX XXXX XXXX XXXX but there were complications with the recipient information. 
I tried to fix the problem over the chat while the transfer was still in process, but they deliberately completed the transfer and kept the money at the same time I was chatting with them. Their excuse was that the money had already been delivered, the truth is that the money had never reached its destination, and still doesn't. 
They said that their specialized team would reach out to me within XXXX business days to fix the problem. That being said, XXXX business days have passed and nobody has ever contacted me, emailed, or texted me. 
I tried to reverse the transaction but their representative treated me as a fool. It is very clear that they are investing my money in their global money-earning chain market, and have no intention of giving back the money that I entrusted them to do. 

I'm wondering HOW MANY MILLIONS OF DOLLARS THEY MAKE, DAILY, with this very dishonest trick!
Product: Debt collection

I had a XXXX year XXXX XXXX with an apartment complex called XXXX XXXX XXXX. 60 days prior to my lease ending, I gave them a 60 days notice, and continued to pay my for the final month which was in XX/XX/XXXX of XX/XX/XXXX. They are claiming I owe them 2 month Rent plus Interest? THAT'S IMPOSSIBLE, when my lease didn't end till XX/XX/XXXX and it was paid in XX/XX/XXXX and they were fully aware. When I saw this and called the Leasing Office, management told me my files were lost because after a new company took over, and I needed to contact HUNTER WARFIELD INC to dispute, I've called the collection agency and has been disputing this for almost 3 years now.
Product: Credit card or prepaid card

Portfolio Recovery keeps calling me for a XXXXXXXX XXXX collection. The issue is I had a XXXX XXXX many years ago ( XXXX timefrmae ) and the balance was paid off at that time and I closed the account since I no longer used it. Portfolio Recovery is now trying to collect on a card that is fraudulant. I was a victim of identity theft in XXXX and this company is calling my phone multiple times a day and will not stop. This is NOT my debt to pay and I would like for them to stop calling and harassing me.
Product: Debt collection

Did not Identify themselves, nor give a name, said that it was attempt to collect a debt, called me at work, and said it was for XXXX in which I have not had in 7 or eight years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

When I noticed this account showing up on my credit report I sent a letter to PORTFOLIO RECOVERY attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages. 
This company is harassing me by calling to my personal cellphone before XXXX XXXX  and after XXXX. 

I also have called XXXX XXXX to dispute the account that they have sold to Portfolio Recovery and XXXX XXXX has not taken appropriate and fair steps to resolve or investigate my request, so this complaint is also to take effect against XXXX XXXX " The Original Creditor for this unauthorized account ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX the date of the first delinquency does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well and I'm also requesting FULL disclosure of the XXXX of my profile.
Product: Credit reporting or other personal consumer reports

This account was opened on the following data XX/XX/XXXX in Transunion, XX/XX/XXXX in XXXX.., this is wrond ... and the Date last active XXXX in Transunion and XX/XX/XXXX XXXX XXXX. This is wrond this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : XXXX XXXX Having this wrong information in my report is illegal. I told you to investigate this account well, not doing so is affecting my ability to obtain credit, please delete them as soon as possible, this is the third time I have told you to investigate well and this information is wrong, thank you
Product: Credit card

My credit report show I have a credit card I have no knowledge of. I disputed the card with XXXX and the dispute was resolved but the card remains. How is that? In the credit report there is a street address for the bank. There is no phone number of web contact. I have been removing these unannounced credit cards from my report. As I said, I have no knowledge of this card. I get no correspondence from them. I have not activated the card. I want the card gone. Can you help me. The bank is CITICARDS CBNA, XXXX XXXX, XXXX XXXX, SD XXXX. 

I do n't understand what the advantage of these credit cards are. The are not used. They are not known about unless you track your credit report.
Product: Credit card

I was notified by my credit reporting notification on my phone that Wells Fargo bank pulled my credit report. I immediately called them and a fraud investigation was completed because I never authorized this. Wells Fargo completed there investigation and sent me a copy that they would have the inquiry removed from all XXXX major credit bureaus XXXX, XXXX, and XXXX.
Product: Credit reporting

All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.