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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$380000.00}
Product: Credit reporting or other personal consumer reports

In or about XXXX I received the Military Star credit card from Army, Air Force Exchange service. In XXXX I got behind on payments and they put me on a payment plan of XXXX a month for XXXX owed. I paid XXXX never missing a payment. I now owed XXXX and Army, Air Force Exchange Service counsel the program and now say I owe the original amount of XXXX and they turned it over to a debt collector XXXX XXXX XXXX XXXX XXXX another XXXX to it for their fee. Although I sent Army, Air Force, Exchange proof from my bank statement showing i paid XXXX to them and XXXX, XXXX did an OFFSET from the federal government and took out XXXX from my check knowing i only owed XXXX. This is not fair and is asking that thy give my money back and take this off my credit. They both have my bank statements and clearly see what was paid. Please help, the LAST LETTER IGOT WAS DATED XX/XX/XXXX THANK
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$16000.00} XXXXXXXX XXXX  XX/XX/2022
Product: Vehicle loan or lease

PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY.
Product: Debt collection

Stop contacting me. I have no access to a bank account. I was threatened with arrest when I went to the bank to try to unblock the account. This is bank failure. For the XXXX time, send communications here : XXXX XXXX /XXXX stop XXXX contacting me. I don't have a bank account and it is impossible to make payments or pay for whatever small claims XXXX you are filing. I have XXXX dollars. XXXX. No bank account. Get it? Bank failure. XXXX. You are harassing me. I've told you to contact the attorneys multiple times. Stop. Contacting. Me ... XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account show 30 days late which is wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Bank account or service

I found out that PayPal has done a credit inquiry. I never intentionally signed up for PayPal Credit. I only signed up for a PayPal account so that I could purchase items securely online. I 've turned down many credit card offers because I heard that the credit inquiries destroy credit. Now my credit has been impacted by an inquiry for credit that I never wanted.
Product: Mortgage

I got a loan from Countryplace Mortgage. It was a construction loan to permanent loan. After the loan was converted to the permanent loan, i was due several credits. One for the adjustment of the price of my mobile home, and a credit for the improvements.
I ca n't get Country place to credit my account. I have emails from Countryplace employees confirming this, but no credits.
Product: Checking or savings account

SoFi froze my account due to suspected fraudulent activity. When i tried to reach out and correct, their fraud number goes straight to voicemail and I cant get a hold of anyone for 2 days now with no access to my money. I have no way of getting in touch with a SoFi employee to unfreeze my account.
Product: Credit reporting or other personal consumer reports

In XXXX my wallet my identity was stolen, i called and reputed & the issue wasnt resolved til a year after that, they said account was taken down also, year of XXXX XXXX receiving alerts stating that i owe for spending over the limit, what limit? When I dont use credit cards and they never give information to where the cards was sent to??? And once again they disputed it and said account was removed the account was never removed because I started receiving alerts back to back from last month and once again they act like they can not give any information on the frauds and they always gave me a hard time on the phone as well. Last month I just hung up because because Im fed up and I knew they were doing this purpose
Product: Credit reporting or other personal consumer reports

The Following inquiries listed on my credit report are being reported in violation of 15 U. S. C. 1681 ( Section 604 ). These inquiries were not Authorized by me nor were they for any other permissible purpose or legitimate business need. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Credit Bureaus have been ignoring my requests for the correction and update of the disputed accounts that are reporting erroneous information on my Credit File. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to report accurate information and verify the accuracy of the accounts and information on a consumer 's Credit File. Also, the Credit reporting Agencies have failed to respond to my dispute letters that I have been sending to them. These action by the Credit Reporting Agencies is a clear violation of FCRA and is punishable by law. I am submitting this CFPB complaint to request to the Credit Bureaus once more to correct, update and or remove the following accounts on my Credit File that continues to report erroneous information : XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$6000.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}. Also, I have been requesting that the Credit Bureaus send me copies of proof of verification from their investigation of my disputes. However, the Credit bureaus have been failing me and were not able to send me copies od documents I have been seeking.
Product: Credit card

I was making payments to Affirm and they wanted verification. The email came in my wifes name and so we sent in the information for her. The company cancelled the use of credit on the account, then two weeks later they stopped access to us being able to pay the loans. One loan in particular is not even showing up on the phone pay system. Trying to work with them to verify me or at least give me access to pay the loan has been taken away. 30 days ago they said someone would call me to resolve the issue, and now we are at 30 days I have an email saying I need to pay now and when I talked to XXXX the supervisor he told me they will contact me in 30 days on case numberXXXX. They state they can not give me personal information, but they refuse to verify me as well as they refuse to take my money, as they. Say they can not verify me, even though he seemed to understand that the merchant shipped the merchandise to someone with the same exact name to my address. I just want to pay off the loan but they are not willing to work with me so I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.
Product: Student loan

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian. 

Please delete the following accounts : XXXX  Account Number : XXXX Balance : {$XXXX} XXXX XXXX Account Number : XXXX Balance : {$XXXX} XXXX  XXXX Account Number : XXXX Balance : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} XXXX XXXX Account Number : XXXX Balance : {$XXXX} XXXX XXXX XXXX Account Number : XXXX Balance : XXXX Account Number : XXXX Balance : {$XXXX} XXXX XXXX  Account Number : XXXX Balance : {$XXXX}
Product: Debt collection

DearStaff XXXX XXXX Dispute Adverse account. Civil suit dismissed XX/XX/XXXX. Deny outstanding debt. This Adverse account is affecting my eligibility for senior/elderly low income apartment. Appreciate your attention and service. Thank you.
Product: Debt collection

This notice is a Cease and Desist! American Recovery Services unlawfully obtained my nonpublic personal information from XXXX XXXX XXXXXXXX without my consent. American Recovery Services then unlawfully shared my nonpublic personal information to XXXX XXXX XXXX containing information in reference to my 2019 XXXX XXXX XXXX, License Plate # XXXX, VIN # XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX without my prior consent or from an express permission of a court of competent jurisdiction repossesessed my vehicle under the assignment of XXXX  XXXX XXXX. XXXX XXXX XXXX does not have a legal enforceable security interest in the vehicle therefore this is deem as STOLEN PROPERTY! these organizations are using racketeering activity to deprive me of my consumer rights and constitutional rights. see attachments
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX and Shellpoint Mortgage Service. According to my credit report, I was reported as being 30 days late on my mortgage payment in XXXX of 2023. However, I have evidence to prove that this information is inaccurate. 
Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit score. 
I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold XXXX XXXX, XXXX, XXXX and accountable for their failure to adhere to fair credit reporting practices. 
Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting act XXXX  account # XXXX, 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 AACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Checking or savings account

I opened this account online. I initially made 3 deposits, but the 3rd deposit was because I did not think the second one went through. Less than one week later I received a short letter saying my account was frozen and under review. I then tried to call and get information as to what was wrong. I have repeatedly told that they have no information to provide me with. I have called over and over and still my funds are being held with no resolution in sight. I have no other choice at this time but to file a complaint against this financial institution.
Product: Checking or savings account

Ove the course of 4 years, it seem like our money was disappearing... Also, it looked like the bank was giving us fees when we had more than enough money. They also seemed to be pusing transactions through just so we can get the fees. I calle dthe band and when I started to ask questions they told me I couldnt call nor go inside of the bank. 

XXXX XXXX
Product: Debt collection

CREDIT SYSTEMS INTERNATIONAL is not mine, they have me mixed up with another PERSON USING XXXX XXXX. I have never used them concerning medical debt. I ask them to contact the right person and not bother me again.
Product: Debt collection

I received a call from a third-party debt collector back in XXXX in regards to a payday loan from ACE advance. The third-party collector called saying that I had make payment arrangements for my outstanding debt or they would take me to court. I made the arrangement to be paid on a monthly basis. The company took 3 months worth of payments but they are now claiming that they can not process my 4th payment. They have been trying to get in contact with my employer payroll on several occasions. The last person to contact my employer regarding garnishing my pay was some by the name XXXX XXXX XXXX.
Product: Vehicle loan or lease

My mother some how purchased a vehicle and I was supposed to be a co-signer. My mother has sinced past away and now Im finding out that the vehicle is in my name only. My mother never should have been approved for loan to begin with which made question the credibility of the dealer. After some research I found out the dealer wasnt licensed and them and the loan company have had numeral claims against them.
Product: Consumer Loan

i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is that I am a victim of Identity theft and you had multiple loans applied for in your name. After I reported the fraudulent applications to the creditors involved you sent disputes to clean your reports with the credit bureaus. After some time both XXXX and XXXX removed all of the fraudulent accounts and inquiries that you reported to them but Equifax has not. I have attempted to dispute these inquiries multiple times with Equifax but they refuse to remove them and instruct me to " reach out to the creditors and request they remove the inquiry ''. I did attempt to reach out to the creditors but they were unable to assist you with the removal because they have already reached out to Equifax the first time it was reported to them. At this time there is still a list of fraudulent inquiries on the Equifax credit report that they are refusing to remove. 

List of fraudulent inquiries on the Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My desired outcome is that Equifax remove all fraudulent inquiries from your credit report.
Product: Debt collection

I took out a loan on XX/XX/XXXX for {$2500.00} XX/XX/XXXX - I paid {$360.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$160.00} XX/XX/XXXX - I paid {$160.00} At this point I experienced a medical and economic set back and couldnt make payments. I had paid them a total of {$1200.00} and my balance has increased to {$3500.00}, {$1000.00} higher than the original loan. 

I called them on XX/XX/XXXX offering to settle the account for a one-time payment of {$2000.00}, they refused. I also offered a payment plan but they only offered me to pay the {$2000.00} back owed and then continue paying them monthly at a rate the balance isnt being reduced. I have reached out to them 3 times since to no avail. 

I find their lack of urgency to get this account resolved highly predatory and have now disputed the entire loan on Washington state legality. They continue to report me late and assess fees monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone onXX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
Product: Money transfer, virtual currency, or money service

Dear Ingo Money Support, I am writing to request the immediate removal of any freezes, locks, or identity theft restrictions that may be preventing me from utilizing your check cashing services under my own identity. I have encountered issues accessing my account and believe these security measures may be the cause. 

Please take the necessary steps to resolve this matter as soon as possible, so I can regain full access to my account and services. If you require any further information to verify my identity, please let me know, and I will provide the necessary documents. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I recieved a notice in the mail on XX/XX/2020 stating that I had a balance of {$3000.00} from my student loan. I tried contacting the company but kept getting rerouted to different people until the final one which I had left a voice mail. I do not owe anything on my student loan, and I also have the XXXX XXXX app and that to also states that i have a XXXX balance and the account was closed. The name of the company is US department of education national payment center.
Product: Mortgage

Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. I recently submitted a complaint with this company and after reviewing their response I noticed they are trying to collect a debt that was closed due to identity theft.