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

I am writing to seek assistance with a pressing issue regarding errors on my credit reports, as well as multiple accounts that have been reported to credit bureaus without my recognition or consent. Despite my best efforts to resolve these discrepancies, there has been no change to my credit reports, and I urgently require these inaccuracies to be expunged from my records. I am also in need of assistance with disputing these accounts with the individual companies involved. 

The details of the situation are as follows : XXXX XXXX- {$14000.00} ( XXXX Account ) : This account was opened fraudulently, and I have no association with it. It has been erroneously reported on my credit report, negatively impacting my credit score. 
XXXX XXXX XXXX - {$3000.00} ( Fraudulent Account ) : Similar to the previous account, this one was also opened fraudulently, and I have no knowledge or involvement with it. It has been inaccurately reported on my credit report. 
XXXX XXXX XXXX - {$5000.00} ( Fraudulent Account ) : This account, like the others, was opened fraudulently, and I have no affiliation with it. It is adversely affecting my credit profile without justification. 
XXXX XXXX - {$3800.00} ( Fraudulent Account ) : This account was opened fraudulently, and I am not the account holder. It has been inaccurately reported on my credit report, causing unwarranted damage to my credit history. 
XXXX XXXX XXXX - {$4900.00} ( Account Overdrawn due to Hacking ) : This account reflects an overdraft due to my account being hacked, leading to unauthorized transactions. I have already taken steps to address this issue with my bank, and it should not negatively impact my credit report. 
XXXX XXXX - {$5900.00} ( Paid in Full ) : This account was paid in full, and I have documentation to verify the payment. However, it is not accurately reflecting the resolved status on my credit report. 
I have made diligent efforts to dispute these errors with the credit reporting agencies, but regrettably, there has been no correction or resolution. Therefore, I kindly request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these inaccuracies and expunging the fraudulent accounts from my credit reports. 

Additionally, I seek guidance on the process for formally disputing these accounts with each of the individual companies involved. It is my hope that with the CFPB 's intervention, these discrepancies can be rectified promptly, and my credit reports can accurately reflect my financial history.

I understand that personal information may be required for the companies to identify me and my accounts during the dispute process. Please let me know if and when this information is needed, and I will provide it promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving these credit report discrepancies and disputes.
Product: Checking or savings account

I had a little over {$330.00} on my checking account for Huntington Bank. I was trying to get a loan of {$5000.00}. During the process, the loaner sent me {$500.00} to to deposit on XXXX to prove that its my account hes sending money to. Before I sent the money to XXXX I had over XXXX right after the loaner sent me the money. Then it went back down to {$330.00}. I had some other transactions pending as well. I was suppose to get {$5000.00} in the morning. Before the money could ever be deposited, my account went down to $ XXXX just off of the XXXX XXXX transactions. They were pending as well but the money of XXXX combined that i made a deposit to which was XXXX, the money was already taken out of my account. So it went from XXXX to XXXX back to XXXX. Then it went from XXXX to XXXX after everything was pended, but at the same time the money was already taken out of my account. Im trying to understand how the money was taken out of my account but the same amount of money was taken out, but was already out in the first place. It was like it was taken out twice. Then the bank immediately closed my account after the balance went down to XXXX. I just wanted to know if there was anyway to fix it where the balance went back to where it was, also including the transactions of certain accounts that were recurred anyway.
Product: Mortgage

i refinanced my home in XXXX XXXX the original lender paid my winter tax bill of XXXX.

my loan was sold to freedom mortagage, who also paid my winter taxes of XXXX. this caused me to have a negative escrow balance an escrow analysis that i was made aware of stated that i needed to pay an additional {$1000.00} to cover the shortage. 

escrow analysis showed that my summer and winter tax bills will both be paid in XXXX, which would cause a negative balance for part of the year. this is not correct. 

at the end of the year, after both tax payments and insurance, my escrow would still have a postive balance of {$560.00}, per their analysis. 

if my analysis considered correct payment of my taxes, the account would never be negative. 

i contacted freedom mortage on XX/XX/XXXX at XXXX XXXX. they indicated that the escrow analysis did not consider the incorrect payment of the winter taxes, and that they would reanalyze it considering the refunded {$1400.00}. they indicated that i would be notified when this was completed. as of this complaint, i have not received any notice from freedom mortgage. 

i again called freedom mortage on XX/XX/20. customer service failed to explain to me why i was requested to pay an additional {$1000.00} despite no substantial changes in amount due and transferred me to the tax department. tax department was not able to assist and transferred me back to customer service after more than 60 minutes already invested into the call.
Product: Credit reporting

I disputed and sent information to XXXX Equifax XXXX went up and XXXX has went down even more. It 's like a game to these people ... XXXX has a class act lawsuit and I sent them information about this and they still refuse to remove it off my credit report. Also XXXX items in collections has been paid for months ... XXXX actually came off and then right back XXXX..What is the problem with Equifax?
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federal consumer, I have a right to privacy and my rights have been violated. I am writing you to notify you that there is inaccurate and unauthorized reporting of all named accounts on my credit report by Transunion, as well as the furnisher of information to credit agencies, in violation of the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq., 15 USC 1666b ( Late Payments ) ,15 USC 6802, and the Private Act of 1974 ( 5 U.S. Code 552a ) .____________ Account/ # - XXXX XXXX ( Report Credit Utilization/Transaction as Paid as agreed and 0 % utilization ) 15 USC 1681a ( 2 ) ( A ) ( I ) ____________ Account/ # - XXXX XXXX ( Update Adverse Late Payments to Paid as Agreed ) 15 USC 1666B_____________ Account/ # - XXXX ( Delete/Remove off report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) ____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5_____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _____________ Account/ # - XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _______________ Account/ # - XXXX  XXXX XXXX ( Delete/Remove Adverse Item off Report ) 15 USC 1681c ( a ) ( 5 ) _______________ 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. As a federally protected consumer, I am NOW OPTING OUT of any, and all authorization I may have given you, whether it be written, unwritten, verbal, or non-verbal, as outlined in 15 USC 6802 on the named accounts listed. 

I request that you cease all reporting on named accounts on my behalf immediately. I also request that you investigate and correct any inaccuracies in my credit report, as required by law. Such as different names and addresses other than the one listed on this correspondence pursuant to 15 USC 1681b. 
. 

XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

I called these people over and over for the last 10 months about my issues logging in not only that the fact that they've given me new accounts I can't even access my self my XXXX is always being changed by someone else 's money withdrawn sent to other people in other places my XXXX cards paying people 's business bills and there bills and I can't get XXXX done I need to know if I need an attorney because this has completely humiliated me abosolutley have shamed and embarrded me publicly and tormented me to be done this way
Product: Debt collection

I did not have an account with XXXX  XXXX in XX/XX/XXXX. I have an account with XXXX XXXX now opened in XX/XX/XXXX. This debt is not mine. I am in good standing with XXXX XXXX and my credit history with them is great.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX in XX/XX/XXXX and used XXXX XXXX  as the servicing finance company. The original balance was roughly {$24000.00} with a 0 percent interest rate. 

In the spring of XX/XX/XXXX, my wife was involved in an auto accident with the vehicle which resulted in the total loss of the vehicle. We did not have gap insurance and there was roughly a XXXX dollar difference in the amount paid by the insurance company and the outstanding balance on the loan. Our insurance company paid their share, and we continued to make payments as agreed upon in the original contract. 

My wife was contacted by XXXX XXXX, asking to have the remaining balance paid in XX/XX/XXXX. She responded to them and told them we would continue to make the payment, as agreed. She was told, " This is going to be very negative for your credit ''. She disputed this with the representative on the phone on the basis of never being late, or never missing a payment is a pretty great pattern to have on your credit report. 

We have continued to pay as agreed in the contract, we have not been late nor have we ever missed a single payment for this account. Upon checking my credit, I have noticed that it is now listed as " Bad Debt/Charge off '' and has lowered my credit score substantially. 

I called the XXXX finance company today on XX/XX/XXXX whose rep said that I should " dispute with the credit reporting agencies, because this is how we do it ''. He also stated I should " call another day because I didn't want to listen to the XXXX process '' after I had plainly told him they were violating my rights under the Fair Credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for the removal of the erroneous information about my accounts that has been neglected by TransUnion Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my TransUnion Credit File. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$12000.00} XXXXXXXX XXXX  Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Dispute for credit score being too low. 
Response XX/XX/02 after investigation insufficient Report by Equifax generated for credit limit off by {$19000.00}. Using a " high limit '' amount only of {$6000.00} vs. {$25000.00} for mortgage loan. As such the Credit Utilization Ratio CUR ( ALL accrued debt divided by ALL available credit ) is higher. CUR being 30 % of score, this negatively impacts my score. Want report to compute using my actual credit limit as stipulated and confirmed by my lender. It is a line-of-credit available based on home equity.
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 ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

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

i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.
Product: Student loan

MOHELA, my loan servicer, has incorrectly placed me on the " SAVE-alternative '' plan, because according to them, I have failed to recertify my loans. However, I did not need to recertify because of the payment pause during the COVID-19 pandemic. I should have been placed on the " SAVE '' repayment plan. I have spoken with them on the phone and they acknowledged the issue back in XXXX XXXX and state that they would correctly change my repayment plan back to SAVE. It is now XX/XX/XXXX, and upon calling them, they deny any issues on their part, and deny their admission of error or any conversation over the phone we had back in XX/XX/XXXX, and continue to tell me that I must recertify my loans and apply for a new repayment plan when I clearly do not need to. They are unwilling to put my loans on administrative forbearance at this time. They need to change my repayment plan back to the " SAVE '' plan without me having to recertify or apply for a new repayment plan.
Product: Credit reporting or other personal consumer reports

I had a XXXXXXXX XXXX XXXX XXXX  that I have successfully paid off info and account is not closed. 

There was a second account opened with another user without my permission. I was not aware until I contacted XXXX XXXX and then filed a report for fraud with the company and have reported it as fraud with the credit bureaus. 
My next step is to hire a lawyer to have this removed, because this was fraudulently opened. 

I do not know if they are confusing. My current paid enclosed account with someone elses, but it is affecting me and my credit score and it should be against the law because I had no knowledge of this.. my next course of action is to hire lawyer.
Product: Credit reporting or other personal consumer reports

I just got my credit report and some accounts on my credit report are incomplete and inaccurate. Which is a violation of XXXX XXXX XXXX ( b ). You also violated XXXX XXXX XXXX ( a ) & ( b ), XXXX XXXX XXXX XXXX XXXX ) ( A ) ( i ) & ( ii ). Any person fails to comply and fix this matter will be liable under XXXX XXXX XXXX. Which is civil liability for willful non-compliance. 
XXXX XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX Delete this accounts immediately, because of violation XXXX XXXX XXXX ( b ), XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
XXXX Department XXXX XXXX # XXXX & # XXXX Delete this account immediately, because of violation XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) & ( ii ), and XXXX XXXX XXXX. 
Once you have deleted this accounts from my credit report, please send me a copy of my updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts 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 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit card

I made a purchase of {$2200.00} from XXXX XXXX on XX/XX/2022. I used my Chase XXXX to make the purchase. There were a lot of problems with the order ( damaged item, late arrival, etc. ) and after not making any progress with XXXX XXXX, I decided to resort to my credit card company for consumer protection and disputed {$1000.00} of the amount. I submitted to Chase all of the documentation regarding the order and explained what had happened. After they investigated, I received a letter from Chase stating " that we are pleased to tell you that your dispute has been resolved '' and that I would see a credit of the {$1000.00} within one to two billing cycles. The date of that letter from Chase is XX/XX/2022. I waited for the one to two billing cycles and did not see the credit applied to my account. I reached out to Chase and was told that the credit would be coming. I have been waiting ever since, there has been no credit, and every time I contacted Chase online, I would get a generic response saying that the credit would be applied. I finally called into Chase this past XXXX ( one year later ) and was told that they would NOT be giving me the credit. They are playing with words and tricking consumers, this dishonesty must stop. I have written proof from Chase saying that the dispute has been resolved in my favor and to wait for the credit, and then they turn around and say that the letter doesn't specify who is giving the credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. these accounts are with DEPARTMENT OF EDUCATION NELNET INC, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OXXXX EDUCATION 'S NELNET XXXXNC. which is ( still reporting )?, XXXX has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted Nelnet Inc, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the Nelnet Class action suit filed XX/XX/2021 due to predatory lending.
Product: Debt collection

I have contacted XXXX XXXX and Parkside Lending in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from Parkside Lending to XXXX XXXX  XXXX in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both XXXX and Parkside Lending about this change. 

Additionally, I also see that XXXX account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to Parkside Lending. Please find the monthly statement for XXXX from Parkside Lending which shows no statement balance, and also my monthly statements which show 3 payments made to Parkside Lending ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both XXXX and Parkside Lending in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from XXXX 2. I receive a transfer notice from Parkside Lending and XXXX 3. My outstanding balance due is fixed at XXXX. 

I would appreciate your help expediting this request to correct the balances.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions