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

Equfax has refused to put a freeze on my credit report! 
Equifax XXXX XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021
Product: Credit card or prepaid card

Hello, While away on vacation in XXXX of 2017 my card was fraudulently charged for several items. Barclay bank perform an investigation and subsequently restored the transactions. Once I asked for the documentation for the reversal was told only with a lawyer via a subpoena can they release records.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately
Product: Mortgage

I lost my job last year and fell behind on my mortgage payments. I contacted my mortgage company regarding a hardship program and was put on a forebarence with payments of {$910.00} per month. I was puzzled at first since Unemplyment was my only source of income and this plan would take more than half and I was only given a 2 week notice on when payments would start. I called to discuss these concerns with a representative who told me if I didn't take the payment plan then nothing else would be offered and I could be at risk of loosing my home. I explained that a 2 week notice would not allow time for funds to be available when the 1st payment was due and she told me that as long as I mad the payment by the last day of the month, the plan would be considered in good standing. 

I made the fist payment on the last day of the month when fund were available. I was dropped from the plan because the payment did not post until the next business day. I disputed the disqualification and was allowed to resume payments according to the forberance schedule. I made my XXXX payment on XX/XX/XXXX, which happened to fall on a Sat. The payment was accepted however ; I was just notified that I was once again disqualified from the program due to breach of contract since the payment did not post until the following Monday, XX/XX/XXXX. 

This is a contradiction since I was told that as long as the payment was received by the last day of the month I would be okay. I disputed the disqualification and my dispute was rejected.
Product: Student loan

I am XXXX and my loans have been discharged but the problem is that this particular loan is consolidated with my husband and my portion is paid off. However, Navient has still continued to send the statements in my name and rack up fees, and I have called them and told them the situation. I can not take my name off the account. I have contacted Federal Student loans and they have ignored me ; I have contacted XXXX. My credit is tanking. I have tried to set up a payment plan to pay it but I need my husband 's cooperation and we need to be on the call at the same time. Please help me get Navient to stop sending me bills in my Name. My husband is in deferment so we should not be getting a bill anyway
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent inquiries which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : -- -- -- -- -- -EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XX/XX/2023 XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report XX/XX/XXXX. I noticed an array of mistakes with XXXX, and Experian. I began disputing accounts. Some were corrected or rightfully deleted. But there are still accounts that are not being reported properly. XXXX XXXX was never included in a bankruptcy, ever. But it is being reported on my credit report as it was. That auto loan was paid in full when I traded it in for a different vehicle in XXXX. I never missed a car payment in my life. I contact XXXX XXXX  who referred me back to XXXX and Experian to resolve. When I called XXXX and Experian  they referred me back to XXXX. For four months Ive been trying to get this fixed, and they arent reporting correctly, which impacts my score in a negative way. XXXX XXXX  was also never included in a bankruptcy. Those accounts were paid off. Both XXXX and Experian  are reporting it negatively, an account from XXXX that was never included on a bankruptcy. I contacted mariner finance who confirmed it was never in a bankruptcy and I was referred back to Experian and XXXX, who again failed to resolve the issue. These are just two of many examples of errors XXXX and Experian have made which my credit file. I want my credit file to be accurate and that is my right. I have requested validation of debt which I never received from Experian or XXXX.
Product: Credit card or prepaid card

Someone applied for a credit card at XXXX MC through Comenity Bank using my ID on XXXX XXXX. It is a fraud as I have not applied for it. I have alerted XXXX fraud department about ID theft. They will follow up to cancel the credit card. I don't know how much has been charged to the credit card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

On the first Wednesday after the XXXX of XXXX, my Social Security check was reduced by {$280.00}. 
Credit company told me they mailed several months of notices to a XXXX XXXX XXXX address. This is not an address that I know, & I never received any calls. 
They stated they were taking out $ 400+ this month. I only have SS & $ XXXX  monthly retirement to live on with my wife. Help Please. Give me an address & I will mail you 100 % of my documentation.
Product: Checking or savings account

On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity. 

On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity. 

However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history. 

I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Product: Debt collection

Portfolio Recovery Associates has transferred an alleged debt to a litigation attorney despite my initial requests to cease phone calls to me and submit all documents to me via mail. I have also requested in writing that Portfolio validate the debt they allege that is owed to them via the attached letter to which I have never received any response with the requested documents and information. Although they have a pending case open, I still have not received any information validating the debt and the right to collect such debt. In my letter I also requested pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g that I dispute the validity of this debt and request that Portfolio provide me with the following information : 1. Verification of the Debt : - Please provide detailed documentation verifying the legitimacy of the debt, including the full account balance, the original creditor, and the nature of the debt.

2. Proof of Assignment : - Provide evidence demonstrating that Portfolio Recovery Associates LLC has the legal right to collect on this debt, including any agreements or contracts between your agency and the original creditor authorizing such collection efforts.

3. Complete Payment History : - If applicable, please provide a complete payment history for this alleged debt, including any interest or fees that have accrued. 

4. Proof of License and Bond : - Confirm that Portfolio Recovery Associates LLC is duly licensed and bonded to collect debts in my state, and provide relevant documentation. I never received response and never received a notification or update to my credit report that the account was in dispute as I should have per FCRA Section 623. What I did receive was a notice that the account was transferred to litigation department and offers to settle. I can not offer to settle a debt that I have not confirmed is owed.
Product: Mortgage

History : On XX/XX/XXXX I entered into a loan agreement with XXXX XXXX XXXXXXXX for the amount of XXXX. XX/XX/XXXX I was approve for a permanent modification with XXXX XXXXXXXX XXXX, XXXX. My payments was reduced to XXXX. About 6 months later after my Modification XXXX. transferred my loan. My Loan has been transferred with 3 other banks from XXXX, and there has been misapplied payments on my account over the life of the loan. 

XXXX XXXX SELENE purchased my loan and immediately started the foreclosure proceedings alleging that I owe XXXX. I disputed that dollar amount and requested in writing to provide me with admissible legal proof of the debt. Selene has failed to provide me with admissible legal proof of debt, but yet wants to force me into accepting a higher payoff than I actually owe and failed to investigate my complaints. Which is a violation of the FAIR DEBT COLLECTION VIOLATION ACT. 

SELENE~ has also failed to acknowledge and accept my previous loan modification that was implemented by XXXX which is troubling because it violates their own servicing guidelines set forth under the government 's making home affordable program, therefore breached the contract. 

I was instructed to submit another loan modification package. Selene accepted the package after telling me I would be considered again for a modification, but yet still decided to foreclose on my home.
Product: Debt collection

I have unfortunately fallen victim to identity theft during a challenging time when I was recovering from major XXXX XXXX and dealing with XXXX  XXXX. The account in question is a direct result of this theft, and it has caused me significant distress. I am exhausted from the constant harassment by this creditors XXXX XXXX XXXX regarding an account that I do not owe. 

Every day, I receive calls and messages that only add to my stress and anxiety. It feels incredibly unfair to be pursued for something that is not my responsibility, especially when I am trying to focus on my health and well-being. I kindly ask for your assistance in resolving this matter so that I can regain my peace of mind. 

I would greatly appreciate it if you could remove this account from my credit report. This would allow me to move forward with my life without the burden of this unjust situation. Thank you for your understanding and support in helping me through this difficult time.
Product: Mortgage

I have not been late on my mortgage in four years.I check my credit and Ocwen is saying that I am XXXX behind and have not made a payment in 3. months They say I owe XXXX.My credit score dropped horribly.I only owe XXXX.They more or less told me it was my problem They say they show me current but it is on my credit.This is only one of the many ways they have made my life a living XXXX.They have XXXX me out of thousands of dollars over the years.I would like to see something done to them.I am afraid they are goung to try to foreclose on me.They sent a notice to the Making Home afordable company stating I was behind but I 'm not.Not sure what to do now.Please please help me.Thank you.
Product: Checking or savings account

I have tried to close my account with Robinhood.com. When I attempted this, I could not withdraw my money from my account due to Robinhood blocking my transfer. When I tried to transfer the money FROM an external bank account XXXX, Robinhood illegally blocked the transfer by saying they could not prove the external bank account belonged to me ( even though these bank accounts were already linked and had made transfers before. 

I could not close my account because my balance was not {$0.00}. I first tried to contact Robinhood support on XX/XX/XXXX and have emailed multiple times since, but I have received no response and my money is still unretrievable.
Product: Debt collection

XXXX  asked me what hospital I wanted to  go to, I told  them,  they took me to a different one,  they came the next day and picked me up and took me to the original hospital I had asked to go to ,and double billed me.  When I received the second Bill I  called  and asked  why I was receiving it and asked why I  wasn't taken  to it in the first place  and was told they probably didn't service or go to  that hospital  although they picked me up and  took me there on the second day while I  was groggy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I AM XXXX XXXXEARS OLD AND I ALWAYS PAID MY MORTGAGE ON TIME i SET UP AUTOMATIC PAYMENTS. THIS HAS RUINED MY CHANCES OF GETTING A REVERSE MORTGAGE. I DIDNT REALIZE MY CREDIT UNTIL I HAD SOMEONE CHECK IT. I AM TOO OLD AND MY HUSBAND DIED I DONT HAVE ANYONE TO HELP EXCEPT THE FTC AND THE BANK. I NEED MY LATES REMOVED I HAVE PROOF FOR AUTOMATIC PAYMENTS SETUP. REMOVE XX/XX/19 AND XX/XX/19 UPDATE TO NEVER LATE. I WAS NEVER EVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXXT XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$7300.00} ; XXXX XXXX Balance : {$96.00} XXXX XXXXXXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$280.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX # XXXXXXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately
Product: Mortgage

We got behind on our morgtgage payments for the months of XXXX and XXXX. In XXXX, we had the money to pay the 2 past due payment to LoanCare as well as the XXXX payment, but we have not been able to log into our account ( they disable your online access after 2 months of being behind on payment ) nor have we been able to reach a person at LoanCare to try and solve the problem. 

My husband and I have called multiple times a day, every day since XXXX and the automated system identifies your account then hangs up on you. We have answered the phone when LoanCare calls us but it is just an automated message that tells you to return their call. 

I sent SEVERAL emails to every email address I could find. When you email customer service, you receive an automated email response saying they are no longer monitoring that email address. I emailed loss mitigation and even the email address for requesting payoff information in hopes of being able to reach anyone. I have never received a response. 

I reached out to them on XXXX in a private message on XX/XX/XXXX explaining the troubles I was having and they responded and gave me another email address to send an email to, I have sent 3 emails to that email address, still with no response. 

We have the money to make the 4 months of payments, but we are terrified to send the payment to them in case there's no one there to accept the payment. 

We did receive paperwork from loss mitigation to start that process last week, but we we still can't get ahold of anyone. 

We don't know what else to and we don't want to lose our house!
Product: Debt collection

Multiple collections agencies are playing pass the ball with a debt from many years ago. Every time my credit score increases.for some reason it gets sold to another collection co. And it decreases my score and it keeps repeating over and over. That's fraud! Collection co.is ONLINE INFORMATION SERVICES AT THIS MOMENT AND THE ORIGINAL DEBTOR IS XXXX XXXX XXXX XXXX XXXX