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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  " verified as accurate and updated '' disputed information regarding I C Systems Collections account no. XXXX XXXX XXXX  in collections from original creditor XXXX XXXX XXXX XXXX ). I have never requested or received any products or services from XXXX XXXX. I have never lived or owned property outside of my home XXXX XXXX XXXX, and XXXX XXXX does not appear to provide products or services within XXXX I have not been involved with XXXX XXXX in any way, yet I C Systems Collections has apparently repeatedly " verified as accurate '' the information it submitted to XXXX which is adversely reflected on my credit report. I would like this inaccurate information removed from my credit report and my personal information removed from the I C Systems Collections and XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been using the XXXX app for payday advances well now PNC bank will not let me connect to the app. I should have a choice about what apps are blocked. Yes I understand letting me know that it has been accessed but let me make the decision to let it continue or refuse!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX nj XXXX, My only Phone number is ( XXXX ) XXXX
Product: Credit card or prepaid card

A few years ago I believed that Citi Group-Costco cancelled our Costco Citi Visa due to one missed payment. At that time, I destroyed the card. Years later, I found out the card had not been cancelled but the card was now cancelled because we did not renew our XXXX  membership. Every access, on-line or phone, requires me to provide my card number which I no longer have. Since the card was cancelled, Citi no longer recognizes my social security number or my phone number when I attempt to make payment. I can no longer log in on-line and the only way they will " retrieve '' my access if for us to apply for a new card which we do not want to do. There is no reason for them to be pulling a credit report, etc. when I have no intention of having a new card with them- BUT I do need to have the ability to access the account to pay off the balance. I have tried at least 6 phone numbers and have spent at least two hours trying to rectify this situation. We do not want to re-open the account, we simply want a means to pay off the balance with monthly payments. The lack of ability to pay those payments now has us about to be two months in arrears.
Product: Debt collection

CICA Collection Agency, INC illegally without lisence of debt collector on XXXX XXXX. Fraudulently this agency are trying to collect a debt.
Product: Credit reporting or other personal consumer reports

RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS BELOW ARE WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCE OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/year>,, THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

XXXX ) XXXX XXXX XXXXXXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE. 

XXXX ) XXXX XXXX XXXX XXXX CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO THE ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 2012 XXXX Account Number : XXXX
Product: Checking or savings account

I have Been banking with chime for over a year. I opened A business and got approved for the PPP Loan For XXXX it was in my savings account About a month or 2 later They suddenly closed my account and asked for documentation for the funds which I provided they Still closed the account and wont refund The remaining XXXX!
Product: Debt collection

On XX/XX/2019, I received a call from a debt collection regarding a XXXX account that I didn't setup or apply for. This account is fraudulent. 

I don't recall doing business with XXXX. 

I never received any bill or proof of verification of bill. No Contract agreement or proof of identify.
Product: Debt collection

XXXX has repeatedly called my work place after being told it was my work number. They called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my letter dated XXXX XXXX, XXXX sent to this credit repository, I disputed how incorrect Bankruptcy chapter XXXX XXXX -- -- XXXX # XXXX was reporting in my file. I was able to verify with the court that this piece of information is not in anyway linked to my social and date of birth. According to the XXXX XXXX XXXX  XXXX, this must be removed. The same was also disputed both to XXXX and XXXX XXXXnd both credit repositories REMOVED this item from my credit report. I kept records of all my credit reports before and after I disputed this item, proof that there is a problem with this credit repository on how they report information on consumer 's credit report and how they comply with FCRA in terms of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a direct dispute via certified mail to the credit reporting agencies, XXXX XXXX AND EXPERIAN on XX/XX/2021 and XX/XX/2021. According to XXXX XXXX XXXX each furnisher must establish and implement reasonable procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. As the direct dispute ive submitted you can see that the furnishing companies are not reporting accurate information. XXXX XXXX XXXX ( XXXX ) states that any information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity should be investigated ... .. considering it has been well over XXXX days, now XXXX days and the credit reporting agencies aren't looking into the matter, I demand the items to be updated on my credit report asap.
Product: Credit card

I have already attempted to dispute XXXX through Best Buy credit card. This was for an unlocked XXXX cell phone. I attempted to return the phone and even though the phone was in new condition at the store and was unable. I was informed it was outside of the return policy time frame which I did research at a later date to find out was incorrect. Now I am stuck with product I dont want nor need.
Product: Credit reporting or other personal consumer reports

I opened three ( 3 ) Student Loans with XXXX in XX/XX/XXXX. These student loans where transferred over to XXXX  on XXXX of XXXX and I received a welcome letter from them. 

Advantage who currently reporting to the credit reporting agency ( Experian, XXXX, XXXX ) shows 90 day late payments in XXXX XXXX for each of the student loan accounts I contacted XXXX who had the loan at the time of the late payments and requested documentation as proof of the late payments they reporting on my credit file in XX/XX/XXXX. XXXX stated they do not have any documentation and they no longer serving the loans. 

I contacted XXXX  in reference to the late payments, they stated they acquired the loan in XXXX of XXXX and they have no documents of the loan payment history
Product: Mortgage

There has been submittet XXXX XXXX XXXX XXXX payments on my mortgage in 2016 but the mortgage service company ( Bayview Loan Servicing ) claims only XXXX payments have been received. I have submitted copies of bank statements to Bayview, but I am unable to get the company to acknowledge that there has been made a mistake on their behalf. I have submitted several complaints to the company, but they have not provided any feedback. I have talked to more than XXXX customer service representatives but they are unwilling or too incompetent to help. Despite the fact that I have submitted documentation of payments the mortgage company claims a payment is missing and there is nothing more they can do to trace this.
Product: Credit reporting or other personal consumer reports

My Experian Report has 3 different variations of my name and only ONE is correct. Please removed : XXXX XXXX XXXX and XXXX XXXX XXXX off of my credit report. 
Account for XXXX XXXX XXXX has been deleted from my XXXX Credit Report and should reflect the same information on my other reports. Update XXXX XXXX XXXX immediately to Paid as Agreed OR Delete, completely. 

Pursuant to 15 USC 1681- Congressional Findings and Statement of Purpose, states that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my report. The inquiry, dated XX/XX/XXXX, raised serious concerns since I had no prior dealings with this company. In response, I requested a detailed explanation, proof of my authorization, and the removal of the inquiry if it was, in fact, unauthorized. 
I emphasized the importance of accuracy in corporate names within legal and financial documents. Even minor errors in the name of an entity can lead to significant financial and legal issues. Furthermore, I stressed the need for companies to safeguard personal information and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). These standards are crucial in protecting consumers and maintaining trust in the credit reporting system. 
Due to the severity of this issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. My experience highlights the importance of vigilance in monitoring credit reports and the need for accountability in credit reporting agencies. I share this in the hope that it helps others who may face similar situations with unauthorized credit inquiries or challenges with consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Account xxx with XXXX XXXX XXXXXXXX open in XXXX and closed and written off in XXXX. Based off the FCRA public law 91-508 to report on a consumers credit it has to be 100 percent accurate. If anything found innacurate its to be removed if mutliple investigations on its accuracy was held. I had multiple investigations and phone calls made and it was said to be accurate. And till this day the account is still on my credit report. Im in the position to sue this company for defamation of character. Also spoken to a representative from XXXX XXXX XXXXXXXX a week ago stating my account would be removed from credit and wont report. Ticket number is XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting

I got a home equity loan, that shows up as a revolving line of credit on XXXX of my credit reports.This is not a revolving line of credit. Any help with this matter would be greatly appreciated. Thank you.
Product: Mortgage

I purchased a home in XX/XX/XXXX and secured a loan from Mid America Mortgage. I have had continuous payment processing issues since the inception of the loan and have attempted to resolve this issue with the lender numerous times without any success. Today I called and asked to speak to a supervisor and the first agent told me to hold for a supervisor and then hung up on me. When I called back, the next agent refused to let me hold the line so I elected instead to send a complaint. Additionally, I signed up for an XXXX  Accelerator Program to make payments on my behalf however, there are still payment processing issues. 

According to my XX/XX/XXXX statement from Mid America, they are saying I have an outstanding balance of {$4900.00}. 

Please find below a list of the dates/activities that have occurred as of today : XXXX XX/XX/XXXX - Mortgage Payment Made ( as part of closing ) {$8400.00} XX/XX/XXXX - Payment Reversed {$8400.00} XX/XX/XXXX - Mortgage payment reposted {$8400.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XXXX XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Submitted - {$2300.00} XX/XX/XXXX - Mortgage Payment Reversed - {$2300.00} XX/XX/XXXX - Signed up for EquityPlus Program XX/XX/XXXX - Canceled ACH Recurring Payment with Mid America XX/XX/XXXX - Equity Plus started withdraws from my account XX/XX/XXXX - Mortgage Payment Made - {$2300.00} XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$10.00} additional principle XX/XX/XXXX - Mid America Reversed the Payment - {$2300.00} & did not show receipt of additional principle ( {$10.00} ) XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle XX/XX/XXXX - Mid America shows receipt of payment + additional principle on XX/XX/XXXX statement XXXX XX/XX/XXXX - Equity Plus sent payment to lender - {$2300.00} + {$7.00} additional principle
Product: Mortgage

The date of transaction was XXXX XXXX. I am requesting an amount of {$1500.00} that I paid PennyMac on XX/XX/XXXX, reimbursed. The business, PennyMac, did provide me information regarding, they were going to defer my Mortgage payment for XXXX, XXXX and XXXX ( due to XXXX ) and my deferment would end XX/XX/XXXX. I paid XXXX XXXX Mortgage payment to PennyMac and even though they received that payment, they failed to tell the Lean Holder that I paid that XXXX month Mortgage payment ( XXXX ) but still authorized the Lean Holder to collect 4 payments. I have since then sold my house at XXXX XXXX XXXX, XXXX, XXXX and this is when it was brought to my attention about the discrepancy that appeared on paperwork from the Title Company. I had a three-month deferment on my Mortgage not 4 months. This determines that PennyMac kept my payment for XXXX of {$1500.00} and never told the Lean Holder of this transaction. Which in turn they are trying to collect, now that we sold the house. 

The individuals I have been working with was XXXX on XX/XX/XXXX and she is in the Modification Dept. Then I called and spoke to XXXX whose extension is XXXX, and she transferred me to her Supervisor, XXXX who has an extension number XXXX who was VERY rude to me and told me that there was nobody above him. He said there was nobody above him. He said there was no corporate phone number, no Corp. email. He would only give me an address - XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX.
Product: Mortgage

I sent a payment ACH from my bank to the mortgage company they claim the payment was returned to my bank but has never showed up in my bank acct.
Product: Checking or savings account

I am writing to file a report against Navy Federal Credit Union regarding multiple fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

In 2005, we took out what we thought was a loan from the XXXX. XXXX heating and air conditioning company for a new furnace, air conditioner and ventilation system for our house and new addition to the house. This loan was serviced by Well Fargo Financial National bank. My husband got sick and our financial situation changed as it did for so many other families. The XXXX year of the loan, I paid the interest. As our financial situation changed it became difficult to make payments. I called the company to ask for a balance liquidation, but was only offered a " re-age '' program to get current. Some of the employees at the bank were unwilling to help and spoke to me in a condescending manner as evidenced by their recordings. I have since paid the debt, but was never sure if it was a loan or a credit card. The original amount of the loan was for {$10000.00} and I was charged an interest rate of 17.90 % with a monthly payment of {$290.00}. If it was a loan then the interest should have been included in the monthly payment and if it was a credit card, then the monthly payment should have decreased. I was constantly charged the interest and the monthly payment remained the same for the duration of the loan. I would like the return of the interest money and late fees in addition the correction on my credit report as " paid in full in good standing ''.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
Product: Debt collection

Jefferson Capitol Systems llc is reporting that I have an open balance owed worth {$10000.00}. This is not true because they've sold the vehicle for that amount already. I do not owe them. They're also reporting that the account was opened XXXX, XXXX XXXX. That is also false. They're reporting false information on this account.
Product: Student loan

Given ridiculous interest rates as high as 12 %, and Sallie Mae refuses to consolidate my loans and work with me to lower my monthly payments despite making only slightly more than minimum wage. I can not afford these payments at all and there is nothing I can do about it because the loans keeps gaining interest.