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

Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fraudulent Inquiries to Be Removed : XXXX XXXX - XXXX XXXX XXXX Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My XXXX  XXXX credit card balance is incorrect. A balance letter from XXXX credit card is attached.
Product: Credit card or prepaid card

I tried activating my card but my bday doesnt match. Tried fixing the date but XXXX isnt taking walk ins so cant get a new Id until XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I had done an investigation on my credit report which caused me XXXX  XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX ( c/o : XXXX XXXX XXXX XXXX ) Account Type : COLLECTIONS Amount due : {$610.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago, I took out a loan with www.loanme.com. The original amount was around {$10000.00}. There was an early dispute. That dispute was fully resolved more than 2 years ago. Therefore, a reference to a dispute on my credit report is simply wrong. But the Company is still reporting that the item is in dispute, which is doing me serious harm.
Product: Debt collection

I recieved a bill from Transworld Systems for a bill that I am not responsible for. XXXX XXXX XXXX sent my account to collections when I had insurance coverage, I had two insurance companies that cover their services that they did not bill. Now this collection agency is sending me Bill 's because their client did not bill my insurance.
Product: Credit card

My father had a Lowes Credit Card. He passed away last year, and we didn't realize the his wife could not use the card, so there were a few purchases made. This balance was paid off and we assumed the account was clear. We then received a bill from Synchrony Bank for {$3.00}. I called the company to find out what this charge was for since the account had been paid off. The person I talked to could not tell us and said an error of some sort because we had not made any other purchases. I explained that I had paid everything in full and was told that I would owe nothing more. They asked to speak with my father whose account it was and I told them he had died the previous year. I received sympathy and was told I was told I would not have to pay the charge or anything more. The account was closed. 

The following month, I received another bill for more money, I assume a late for whatever the first fee was. I again called them at which point, they wanted all types of information over the phone about my father 's social security number, account, etc., including a copy of his death certificate. But I was also told I was under no obligation to give them any of this information. I didn't feel right about giving any of that over the phone. And if I was not obligated then why did they keep asking for it. I again asked that the account be closed and no more bills. She said ok and hung up. 

The following month, I received yet another bill, with an additional charge again. This time, I wrote a letter explaining all the details. I stated that this should have all been taken care of and told them that it was harassment. What kind of company harasses a grieving family over an initial {$3.00} cents. 

Again, the following month, another bill came with a larger amount, so again I sent them a copy of the same letter. Then again, another bill the next month for more. 

If they could have told us what the original fee was for, then we probably would have gone ahead an paid it, but they did not know. They told us we didn't have to pay it or anything more. So why are the bills still coming? Please help
Product: Mortgage

We applied for mortgage assistance and was still sending in documents that they needed in XX/XX/2023 and never was told if it was approved. But In XXXX they called and said we were behind 3 months. And they wanted 3 months payments we tried but couldn't do it. And now they said it's in foreclosure. My husband is XXXX yrs old and has been affected by XXXXXXXX It has attacked his immune system. We don't want to lose our home. We have no place to go. And if he goes out and catches a germ it can kill him.
Product: Debt collection

I called the collection agency after being notified by all three credit bureaus that a collection debt was placed on my credit reports. Spoke to someone in regard to the validation of the debt owed. Once they told me over the phone what it was for, I explained to them that the debt wasn't mine but my daughter in law. they claimed that it was mine because I cosigned for her. At this point the individual became irate and belligerent, used foul language and told me they would sue me for the amount. I ask them to send me a copy of the paperwork, but they refused and hung up. I contacted the rental company, they explained to me that my daughter in law stayed past the lease end date, and that an agreement was made between her and the leasing manager. I explained to them that my legal liability ended with lease termination date. That never resided at the dwelling which in is in Georgia. No such agreements were made between I and the leasing company, and such communications with me as to what was going on in the rental property. The company continues to add interest every week on such debt. I called the collection agency after being notified by all three credit bureaus that a collection debt was placed on my credit reports. Spoke to someone in regard to the validation of the debt owed. Once they told me over the phone what it was for, I explained to them that the debt wasn't mine but my daughter in law. they claimed that it was mine because I cosigned for her. At this point the individual became irate and belligerent, used foul language and told me they would sue me for the amount. I ask them to send me a copy of the paperwork, but they refused and hung up. I contacted the rental company, they explained to me that my daughter in law stayed past the lease end date, and that an agreement was made between her and the leasing manager. I explained to them that my legal liability ended with lease termination date. That never resided at the dwelling which in is in Georgia. No such agreements were made between I and the leasing company, and such communications with me as to what was going on in the rental property. The company continues to add interest every week on the debt.
Product: Student loan

I co-signed a student loan for my wife in 2014 with Naviet, with a 14 % interestrate. Since her graduation we were paying with little or no issues. Recently my wife was diagnosed with XXXX XXXX and is currently being treated. With a hefty raising medical bills, mortgage, and other necessity we are having a hard time paying the school loan. We contacted Naviet and requested some hardship considerations, as in a hold. We were not giving any consideration, instead, both my wife and I credit report was reduced to over XXXX points each. Please help.
Product: Checking or savings account

XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees. 

I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence. 

In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction. 

They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can. 

Here is an example which happened recently that I have documented well. 

At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX   XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX  - XXXX - XXXX   XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.
Product: Vehicle loan or lease

I had medical issues that caused me to fall behind on payments every month. I recently had those hardship issues resolved and can get back on track to paying on time. However, during this time, a bunch of late payments were added to my credit report. This resulted in a drastic change in my credit report. Due to those reported late payments, I am having trouble being approved for a home.
Product: Mortgage

After many attempts to modify the mortgage on my home that was set to balloon I was forced to follow Bank of America 's advice and to short sale my home. 
My home has been listed since XXXX 2015. I received a purchase offer on XXXX XXXX, 2015 and submitted the offer to Bank of America. Two months into the process, with all documents submitted, appraisals complete, I was only waiting on Bank of America 's response. Bank of America abruptly closed my short sale file on XXXX XXXX, 2015 because they stated, there was a field missing my agent 's license number on the Bank of America Short Sale addendum. Instead of communicating this problem with me, Bank of America closed my file and told me I had to start the process, that already took two months over again. We just completed resubmitting all of the documents and I received a letter stating that Bank of America sold my loan to XXXX XXXX XXXX and I will have to start this process over a third time once this loan is transferred in two weeks. I believe Bank of America closed my short sale file because they knew they were selling my loan. Instead of allowing me to take advantage of the XXXX short sale that we were approved for and that they advised me to do, they sold our loan.
Product: Checking or savings account

I had fraud activity in my account through XXXX for over {$2500.00}. These transactions put me in the negative with XXXX and XXXX. I contacted my bank and my money was never replaced. My identity was stolen and someone had access to my account.
Product: Credit reporting

Transunion will not allow access to my credit report to dispute the fraudulent items. They only display option to pay them money. They will not allow me access to dispute at all.
Product: Payday loan, title loan, or personal loan

This loan # XXXX was included in my bankruptcy, which was discharged XX/XX/2020. I have told the representative this, my attorney has contacted them and told them the same thing. However, they keep calling for payment. The original loan amount was {$700.00}. The accrued interest has driven this balance much higher now. 

I have no intention on paying a debt that was discharged in federal bankruptcy court. Im pretty sure the pursuit of collection, violates federal law.
Product: Credit reporting or other personal consumer reports

EQUIFAX remove the accounts that belonged on my Consumer credit profile report for no reason they have no issue to be doing that and I never disputed nor have I put in a fraud for any of those accounts that were removed without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card account XXXX ( please refer to my XXXX Credit report attached below ) in my name with XXXX and XX/XX/2022 I notice my credit score drop by several points. I started to research what has changed and noticed my outstanding available credit was greatly different from the prior month on my XXXX credit report for Experian than from XXXX and then compared the two report and noticed my opened XXXX credit card account was no longer reporting to my Experian credit report. It continues to report to XXXX and XXXX. I called XXXX several times regarding this issue in XXXX and was told to that they are reporting the card to Experian and it's an issue in their system and wait until the XXXX to see if it reports since I did report that the card was stolen the end of XXXX I believe. I also called Experian and was told they will begin to report the new card number in XXXX. The card still isn't reporting as of today and when I speak to XXXX they direct me to contact Experian and when I speak to Experian they direct me to speak with XXXX. I have paid my bill on time since have the account for two years and attempting to close on a home in XX/XX/2022 so this is impacting me tremendously and would like to get this matter resolved.
Product: Debt collection

Convergent Outsourcing is reporting this collection, in the amount of {$2100.00}, as an Open Account which is not under FCRA compliance. This inaccurate reporting needs to be removed immediately and permanently. In addition, on XX/XX/2022 I submitted a complaint regarding XXXX XXXX reporting that this debt was for the same amount as the original creditor which was deleted. 

This inaccurate collection must be deleted immediately and permanently! This is the second time this creditor has destroyed my livelihood for my family. Please give your attention to this urgent matter.
Product: Payday loan, title loan, personal loan, or advance loan

True accord collection agency emailed me on XX/XX/2023 that they were a debt collection agency and were reaching out to me to collect on this debt. I responded to them and let them know this account was not mine. They have yet to reply back to me, this account is still showing on my credit report as delinquent. This account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Student loan

On XXXX my daughter XXXX XXXX applied for XXXX XXXX loan but she completed the paperwork incorrectly so she redid the paperwork. XXXX  she applied she CANCELLED the loan request because she qualified for money ( grants, work-study, etc. that would not have to be repaid ) so she XXXX  again cancelled the loan request and they money was never used. So somehow XXXX shows we have XXXX loans ; XXXX was cancelled but the XXXX  shows a total of {$6400.00}. I have called XXXX  times and was told a " supervisor '' would call me but never did. Then they said I was not authorized to speak about the loan so my daughter called and authorized me to be a XXXX XXXX authorized to speak on her behalf. Again, I left numerous messages for a call back. 

The most important thing is that I spoke to the XXXX XXXX XXXX XXXX  company, provided XXXX  XXXX XXXX and they have NO RECORD from EdFinancial that we have XXXX  loans ( which I believe is correct ) so they told me to reach out to XXXX and XXXX which again I did. XXXX told me to tell XXXX that they NEVER submitted info to them that we have a loan. I've applied with XXXX stating that I'm permenantly XXXX and if I have a loan I'd like it forgiven. Again, XXXX won't return my calls and they say my first payment is due XXXX XXXX XXXX which is this week. I REALLY NEED HELP PLEASE
Product: Debt collection

This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent and unauthorized inquiries on my report
Product: Mortgage

XXXX XXXX XXXX/Mortgage Loan Officer/NMLS ID:XXXX/Bank of AmericaOne of the worst experience I have ever gone through. The fact that the MLO didnt have clear and basic understanding of how mortgages work, and kept running around in circles troubles me. 
Story : My name is XXXX XXXX XXXX had explained to MLO my current marriage situation, MLO kept on saying it would be fine and WOULD NOT HAVE ANY ISSUES. My Realtor ( XXXX XXXX, has supporting documentation ) and also confirmed with him that I would have any issues. Well when my offer was accepted she got really nervous with my questions and didnt even want to speak to my Realtor or was given me clear instructions. Very disappointing! Seller and I were out money and time and this could have been prevented if the MLO and Bank of America would do a better job of qualifying clients. 
She was very irresponsible, never gave clear answers, was very unprofessional, and when ask what to do next she answer " THE PAST IS HISTORY AND LETS MOVE FORWARD '' WOWAlso at the start of my application she approved me for Conventional and changed it to FHA later on the process without definite answer as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  XXXX I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000 years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion  dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.