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

Arvest Bank unfortunately bought my mortgage from XXXX XXXX Bank. 
I escrowed my homeowners but paid my flood in full. I bought my house in XXXX, mortgage was sold to this horrible company the next month. My agent sent them proof of my flood in XXXX. They have to know being a Mortgage or so called Mortgage company that you can not purchase a home in a flood zone without proof of purchasing flood. They forced place flood on me in XXXX, took the payments that I have been sending them and put them in a unapplied account because they raised my mortgage note without me knowing. I was paying my mortgage every month, but since XXXX it was not being applied. They hurt my credit score because now it shows I was 90 days overdue, charged me late fees which they are not reversing. They have the proof after me calling and spending countless time on the phone trying to get it straight BUT still will not fix my credit or reverse late fees knowing I had the Insurance the whole time .... That is what I posted on the XXXX  sight. 

I spoke to several people for months about this. Last person I spoke to was XXXX at XXXX XXXX ext XXXX. Basically giving me a email to dispute the credit, would not reverse fees because they just got the proof in XXXX. I spent so much time on the phone for the last months trying to get this straight. My agent sent the proof in XXXX. This is sooooo horrible to treat customers this way.
Product: Debt collection

I repeated told IQ Data International on phone calls that the debt that they were attempting to collect was not mine and that the burden was on them to find out. I then mailed them in early XXXX proof of a lease agreement that the debt is not mine. I sent this mail certified. They had till the XXXX of XXXX to remove the debt from my credit report. 
The debt is still on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Up until now, I have had a very strong credit score ( above 780 ) with a long history of paying on time on all accounts. Shortly after our mortgage was transferred to LoanCare, there was an issue with LoanCares auto-draft system set up on www.myloancare.com,  which caused my XX/XX/2019 mortgage payment to not go through. The result was a hit to my credit score of >100 points, which has significantly affected our family. 

Details of the error : On XX/XX/19 I registered for a web account through www.myloancare.com. I made a web payment on XX/XX/19. On the same day, I went through all necessary steps online to set up auto payments, which were set to kick in starting in XXXX. This auto payment didn't go through due to a LoanCare system error. I didnt receive a notification of delinquent payment that was sent by uncertified mail on XX/XX/19 to an outdated address and I have no record of a phone call from Loancare made on XX/XX/19. On XX/XX/19, I  noticed a significant decline in my credit score due to this account being overdue. The next day, I made a full web payment for XXXX, XXXX, and a late fee. My account is paid in full and there will be no more missed payments in the future. 

I have opened a disputes with LoanCare, XX/XX/XXXX, and XX/XX/XXXX, which have been denied without explanation. I have had many phone calls with LoanCare and XX/XX/XXXX about this dispute. I am requesting website user logs from LoanCare that prove that there was never an autodraft payment set up in XXXX of 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went through my consumer report attached the my social ending in XXXX. 
I noticed that there was an alleged debt reported by a 3rd party debt collector. I researched and read some laws pertaining to Consumer Reporting Agencies. In the Permissible purposes section of the FCRA, which is an exclusive list of " permissible purposes '' for which Consumer Reporting Agencies can furnish a report and are not allowed to furnish under any other circumstances. 
An example is in accordance with the writing instruction of the consumer to whom the report relates to. 

I Never gave Transunion or XXXX the written instruction or Permission to report the alleged debt by XXXX  to my consumer report. If TransunionXXXX can provide written instruction by me the consumer, please provide proof of it. If it can not be produced, that is a direct violation and the account being reported by XXXX shall be deleted. 

Furthermore, in the congressional findings section, congress requires Consumer Reporting Agencies to adopt reasonable procedures to meet the needs of commerce in a manner which is fair and equitable with regard to confidentiality and accuracy among other things. 

I'm not sure what procedure was being followed when they reported an unverifiable and unvalidated debt to my consumer report for profit between Transunion, XXXX and XXXX. 

Transunion and XXXX are behaving unfair by selling millions of consumers ' data while violating federally protected consumer rights, earning millions of dollars per year in revenue ( according to the 10k,8k and 10Q fillings ) while denying my right to have inaccurate and unverifiable information removed from my consumer report while profiting off of said inaccurate information. 

Also, this Alleged account XXXX reported me to have with them was reported as 90 days late, but in my attached Consumer report, there is no payment history in the last year with this company let alone the last 90-120 days. How can I be late to pay a company that I have no payment history with? Reference My Payment history with the Other installment accounts I have and there's a full payment history, yet XXXX claims I'm 90 days late but there's no payment history and no proof of alleged debt have not been provided to me or TransunionXXXX. This company knowingly reported false information to XXXX/XXXX and Transunion/XXXX willing accepted and reported false information which they didn't investigate properly. 

This reporting of alleged debt, has affected my ability to extend and receive credit/financial assets which directly impairs the efficiency of the banking system. 

Attached is my recent : Transunion Consumer Report. 
Cease and Desist letter I sent to debt collector ( which they have not repsonded to but updated the status of the alleged account ) and Certified Mail Receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I pulled my 3 credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : Account Name Amount Portfolio Recovery {$490.00} XXXX XXXX {$690.0XX/XX/XXXXXXXX XXXX {$820.00} XXXX XXXX XXXX {$100.00} XX/XX/XXXX - XXXXXX/XX/XXXX{$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following inaccurate and incomplete information in my file. The items I need deleted are listed in the FTC report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a Federal Trade Commission Identity Theft Report detailing the incident. I have hired a private investigator and an attorney to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be deleted from my credit file immediately.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, are sentenced to a term of imprisonment of 2 years. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

DO NOT VERIFY WITHOUT ORGINAL CONTRACT WITH MY SIGNATURE OR WRITTEN INSTRUCTIONS TO FURNISH ON MY CREDIT REPORT. I am requesting for the original copy of the agreement and terms & conditions for legal purposes. Failure to comply will forfeit your claims and will require you to delete all the list of items below. 

Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Account Name : XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Student loan

Hello, My federal student loans were recently switched over to Mohela last month. I am enrolled in the XXXX program - currently with XXXX approved monthly payments. 

On XX/XX/2022 I submitted an updated XXXX form in order to update my qualification status towards the 120 monthly payments. 

On XX/XX/2022 I tried calling the Mohela XXXX help line to see what the status is regarding the form being reviewed, as my online account says the form is still in processing. However, I ran into an issue with the customer service prompt when calling Mohela. 

The Mohela automated call system required me to enter my social security number and date of birth in order to proceed to speaking with an actual agent. I entered this information into my phone when prompted, but the automated system said I also did not have an active account ( despite the fact that I can log into a Mohela account and see my information ) and it sent me back to the beginning asking for the information again. I tried entering this info a few times but was unable to get through. 

Just in case there was an issue with the PSLF system, I tried calling the regular Mohela ( non PSLF ) help line and was asked for the same info from that automated system. 

I am requesting help from the CFPB because we can not get in touch with an agent, I am now concerned that my XXXX form may not have been received, and that there may be a potential issue with my account, as the automated system did not recognize my SSN & DOB. 

Thank you
Product: Checking or savings account

XX/XX/year> I filed a dispute with chime about an unauthorized transaction that happened multiple times at different locations. They only accepted one of the 3 unauthorized transactions. In this time I was promised a credit of the funds if not received by a certain date. This date was XX/XX/year>. Today XX/XX/year> when I called customer service again to gather information keep in mind I was kind of annoyed at this point so i was not one of the friendliest of people over the phone. The first person I spoke with he continues to ask for the basic credentials to my account. once I gave him the information, I then proceeded to ask the person for the first and last name to get for my records. He stated with a shakey voice that he was not allowed to give out his last name for quality reasons. This seemed fishy to me so I asked for his supervisor, once the supervisor got on the phone after being placed on hold she also refused to give out her last name.. I ultimately got frustrated stated my reasons behind why I needed it and they just apologize and said we don't know what's going on with the investigation on your dispute even though we're coming up on a month ago of it being filed. Chime is not trustworthy nor professional in any way. The customer support needs to be shut down and the funds that they get paid to do nothing should go elsewhere to make sure the customer is actually taken care of properly.
Product: Mortgage

My pay was interrupted for two months by the va with minimal notice. This caused my mortgage to default. The va fixed the issue eventually and wrote a letter to the mortgage company explaining the situation. In the time that my loan was in default, we had a small fire in our laundry room/ bathroom. I completed the work myself even though the mortgage company insisted I needed a contractors liscence to install new flooring, a piece of drywall, a pocket door, some cleaning and paint. I explained that I was a XXXX for a family member for over ten years before I joined the XXXX. Nothing in the repairs was above the average home owners skills and anyone could learn to do everything I did to my home watching videos on XXXX. I had called them at least 6 times before they gave in to letting me work on my own property. They only told me half of the actual process to get the insurance checks endorsed and sent back to me to deposit. They advised me that if I wanted my money within 5 days to send the checks in an overnight mailer to include a return overnight mailer to get it back in said due time. I did this to a cost of almost {$50.00}. This was over 3 weeks ago and since that day, I was told Id have to wait an additional 10 ten for the inspection. The inspector came last Friday on XX/XX/XXXX. I called yesterday to ask when the funds would be realesed to me and they said it would take an additional 10 days after receiving the inspection for corporate to sign off on it. This was all given to me over 8 different phone calls and I believe 7 different employees all telling me different things. When asked to give me an idea of when the funds will be released to me and why it was taking so long after I was told 5 days well over a month ago so I could write down exactly what they told me this time. The manager stopped talking. They didnt ask to put me on another hold, they didnt hang up, they simply stopped responding to me. I demanded an answer several times and when they still refused to respond I hung up the phone. The insurance adjuster and the independent adjuster both stated that I completed the repairs in a timely and proper manner. I had to borrow money to complete the repairs and since I was told Id have the money back in 5 days, I returned it to the person I owed it to ASAP. The repairs cost me about {$1500.00}, and my mortgage payment is {$1200.00}. I told them hey can have the mortgage payment when I receive the {$8900.00} due to me from them. I also believe that they are a predatory lender and since my property is worth well over what I agreed to pay for it, they want to lay claim to it or try to get me to refinance from them for the full equity so they can make their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 


1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : DXXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.
Product: Credit card or prepaid card

I am in the process of purchasing a home so I called Capital One about possibly doing a good will adjustment for a 30 day late payment dated XX/XX/XXXX. The representative on the phone provided me some information to submit so that they could update the status of my payment. On XX/XX/XXXX I got a letter stating that that would be violating the FCRA so they are unable to update the payment as a courtesy which is understandable. However, they updated two of my sisters late payments as a courtesy on XX/XX/XXXX, which according to the FCRA is a violation.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to 4 creditors and all have stated that the information and account numbers do not belong to me. I have fraudulent reports on my credit report from companies in Virginia and Arizona when I reside in Illinois. When I spoke with the companies directly they stated that the credit bureau Equifax have placed the accounts on my report in error because the date of birth, name, social security number and address does not match their records. 

So if non of this information matches their records HOW did they verify it? I want answers!!! This information is supposed to be verified before you place it on someones credit. Equivalent should be held accountable for their actions. When I called Equifax they told me that it is impossible for something like this to happen. Well if that was the case how do I have 4 accounts that belong to different people on my report? 

These erroneous reports have dropped my credit score by XXXX or more points. How can we trust that they will report accurately when they do things like this. 

I want these removed from my report Immediately. 

Collection Accounts XXXX XXXX acct # XXXX XXXX Account - XXXX Closed accounts XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX These accounts were added between XX/XX/21 and XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. Consumer portfolio dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my equifax I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and equifax also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report
Product: Debt collection

Southern Management System a collections agency for XXXX XXXX XXXX   XXXX has been reporting to the credit reporting bureaus that I owe them {$540.00}. I have disputed this with the credit bureaus ( XXXX, XXXX, and XXXX ) and I have disputed with XXXX XXXX as well. None of these companies have furnished me with the proof that this debt belongs to me. I actually received an email from XXXX XXXX recently and in that email they attached an invoice for someone other than me. The invoice was created with some software and not a real copy of an invoice that was signed by anyone. This has been going on for months and its negatively effecting my credit score. I thought the credit bureaus would help but they haven't and the original creditor just gave me the runaround. I desperately need this off my credit report. I'm taking this step before I pay an attorney to represent me in court.
Product: Prepaid card

We purchased gift cards at XXXX totaling {$950.00}. The cards were fraudulent. We were told to call the gift cards company Incomm. We did call on XX/XX/2024 and they said that someone would look into it. We never received any correspondence, we called back on XX/XX/2024 and the We found out we had to submit paperwork and pictures of the fraudulent cards. Which was not disclosed to us on the initial call on XX/XX/2024. We sent said documents in, and we're told that the investigation would take 30 days. Well we received the replacement cards, and when we tried to activate them we could not. We then were told we had to send the same paperwork again to have them activated within 24 hours. We sent the documents again on XX/XX/2024 and now be told that we have to wait another 30 days for these cards to be activated. In the meantime we have been out of pocket {$950.00}. We are just asking for our rightfull funds.