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

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

SECTION XXXX : BANKRUPTCY FILING NUMBER XXXX XXXX XXXX DISCHARGE
Product: Debt collection

In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX to do some much needed dire home repairs to my homestead located on XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX 
I was approved for the loan ( {$65000.00} ) with no problem since I have a good credit score, however as the process moved along with the title company ( XXXX XXXX XXXX XXXX  ), they informed me that there was a judgment lien on my property since XXXX of which I was not informed. 

The company who placed the lien in is called Midland Credit Management XXXX XXXX XXXX XXXX, MI XXXX. Legal collections Account number : XXXX. They are claiming that I used a credit card back in XXXX and that the debt was never paid. This is not my debt and it is now preventing me in moving forward with dire structural repairs needed in my home, hence the reason I am applying for a home equity loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I applied for a refi on my auto & was denied I wrote to Experian to obtain my FICO score I rec 'd a " Dispute Results '' # XXXX for XX/XX/20 with no FICO score only a list of past history ( fairly complicated for my age ). Tried calling Experian & there is no one to speak with there! Went on their site www.experian.com/upload & it said the file had been destroyed. Note it is dated by them XX/XX/20. 

Since these bureaus are collecting data on me & selling them-MAKING $ $ $ OFF ME, why do I have to pay to get my FICO? This is unconstitutional & highway robbery. I'm sick & tired of getting ripped off by these & other companies just ripping Consumers especially Senior Citizens.
Product: Mortgage

The terms of my mortgage was changed by XXXX XXXX and then my loan was sold to Rushmore Loan Servicing ( XXXX ). They changed my loan from a 30 yr mortgage to a 35 yr loan. The interest rate is 9.63 %. I am being ripped off and taken advantage by both companies. 

XXXX XXXX XXXX ( XXXX ) XXXX email : XXXX XXXX
Product: Checking or savings account

On XXXX I took {$12000.00} in money orders that I personally purchased to Huntington Bank so I can open a checking and savings account. By XXXX I did not have access to my money after I called customer service I was told they was waiting to verify my checks. By XXXX I was told my account has been closed and they would be sending me a check no later than 10 business days I let a month go by and called on XXXX and was told I needed to bring proof than Im the owner of the account to the bank after I did so they gave me another 10 days to wait and they will contact me I never got contacted so I went up there again XXXX and was told I need proof that purchased the money orders and I brought the proof back the XXXX fast towards to today XXXX I go to the bank and I was told they sent the money back to XXXX XXXX and I have to figure out how to get it from them, this has been dragged for 4 months just for me to lose all of my money and not to mention all the bills I fell behind on and the home opportunities I missed
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan modification in XX/XX/XXXX which was denied and I kept trying for the loan modification until XX/XX/XXXX they made an offer but the offer consisted of the same terms that was already in place. I did not accept so consequently, the XXXX XXXX XXXX did not offer again for 6 years whereby they were not accepting any payments. 

However, in the interim I voluntarily released the property to the Bank and the Bank has sold the property ; but they are holding me hostage whereas I am not able to purchase any property for another three years. I assigned the property to the Bank in XX/XX/XXXX-XX/XX/XXXX. If the Bank has sold the property to another buyer I should not still have the negatives still on my credit report. It is unfair.
Product: Credit card

I wrote to your company earlier re case # XXXX. My USAA Mastercard was compromised from XX/XX/2016 thru XX/XX/2016 for over {$9000.00}. It took countless phone calls from me, a letter from your company, and much additional paperwork to finally get this partially resolved XX/XX/2016. There are still XXXX additional charges I did not make on XXXX XXXX, 2016 for {$350.00} each. I have called their fraud / identity theft departments 4 times, spoke at length to agents, and I still have the charges totaling {$700.00}! I have received XXXX different USAA credit cards all with different numbers, have NOT activated any of them, so how can I have charges? The last agent I spoke with, XXXX, on XX/XX/2016 did some research and learned these charges were made in XXXX! I, of course, was not in XXXX and did not authorize these charges for {$700.00}. I asked her why any of the other XXXX agents did not tell me that information. She said they just did n't bother to look! I am perplexed as to why USAA, a company I have been with for many years, and touts itself as a support to military personnel and their families, is having such a difficult time resolving this fraud issue!! My XXXX XXXX XXXX and XXXX XXXX card were both compromised XX/XX/2016, the fraud was dealt with, the accounts are being monitored, and all is well. What is the problem with USAA?
Product: Checking or savings account

In XXXX of last year my Bank of America savings account was compromised by fraud. This was a retirement savings account and I had very little activity on my part. An occasional withdrawal for taxes or something. I was notified that they were going to start charging me because of excessive activity that month. I looked at my account and saw that several XXXX transfers were made, cash withdrawals and online bank transfers were made. None of theses were mine. I have spent hours and hours on the phone with BoA. I contacted the Washington State Attorney General and they were involved. After 9 months I finally received what BoA considered to be the last of the monies paid back to me. My problem is {$2500.00} is still owed me. In the accounting they did two charge backs on the account. They should have only done one and I am short {$2500.00}. Ive spoken to several people on the fraud phone line and went over it with them. I was told they would report it to their supervisor and the {$2500.00} check would be sent to me in 10 days. I keep waiting and nothing. 
According to my account statement its clear what my beginning balance was. 
With the four checks I have received totaling {$22000.00} I am still missing {$2500.00}. That is the charge back money that they still owe me. They consider the case closed because the stolen money was paid back. The other {$2500.00} is an accounting error on their part and they refuse to address it.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Equifax Mortgage Service - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


Equifax Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.
Product: Credit card

I went on vacation to XXXX XXXX. I went to a restaurant on XX/XX/year> and the meal I paid for was XXXX XXXX. I have the hand written receipt and the printed receipt from when the card was swiped. When I looked at my banking app I noticed a charge for {$2000.00} usd. Initially, I did not recognize this charge, because I never swiped my card for {$2000.00}. I immediately made a report to Bank of America. They said they would resolve this for me. When I returned back home to California, I received a letter saying that I was responsible for this charge, even though I had notified them of this erroneous charge. I filed another case with Bank of America, and provided all the documentation and receipts that are proof that the charge is incorrect, including social proof where this restaurant has swindled customers. Bank of America sent me a letter saying that I did not provide the receipts and that I still owe them {$2000.00}, even though I indeed sent them the written receipt and the printed receipt. Bank of America should be protecting it's clients and not assisting this criminal establishment. 

The printed receipt is faded as the ink to the receipt is not fade resistant, but you can still make out the amount that was swiped. In addition, I have the hand written receipt accompanying the printed receipt as well as the digital receipt via the qr code.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on my old GAP card, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw credit control on my credit report and never had any interaction or did any business with them. When I call them they first stated that they did not ever pull the credit report but than after a manager said he just " pulled the score. '' He did not XXXX shows that they accessed my report and I have it attached. Having Credit Control show up on my credit report is a damaging to getting a rental in new york during this pandemic! 
In addition, their company name ( Credit Control ) appearing on your credit report is defamatory and libelous in nature. 
I have attached their reporting to this email. Please Help CFPB XXXX XXXX contact - XXXX XXXX XXXX Registered Agent XXXX, XXXX A. 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Checking or savings account

I deposited XXXX and began trading on robinhood after about 2 months I lost my card and decided to use my relative card to deposit money on XX/XX/XXXX I deposited money into my robinhood account using my relative card can show and prove documentation and confirmation that it was okay through relative. After the money was deposited I continued to trade on the account although my bank account under my name was still on file robinhood decided to close my account once I made {$3800.00} and have held my funds since XXXX XXXX. 
They never asked for documentation just closed my account and have my money. I would like for the funds to be rightfully released back to me.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX in XX/XX/XXXX in which XXXX XXXX   financed my car. I have noticed that when I make my monthly payments each month since XX/XX/XXXX to date the amount of my payment being applied to Interest vs. my Principal balance is not consistent. In fact, some months my entire monthly payment in XX/XX/XXXX is going to Interest only and none towards the principle balance. This seems like a deceptive practice and I still owe {$21000.00} on a XX/XX/XXXX car that is falling apart. My principal balance is not coming down due to the unexplained way my monthly payments are being applied ( primarily to interest ). I would like this investigated.
Product: Mortgage

I reached out to my mortgage company Ocwen Loan Servicing in XXXX regarding a hardship we were suffering..My husband has XXXX and does XXXX at home and is in the process of getting a XXXX from myself ... Sadly he was let go of his job in XXXX..I contacted them asking to help lower our mortgage payments temporary until we get on our feed and they kept on losing my papers that they requested and kept on wasting months of time to denie helping us ... I mailed them my XXXX mortage 14 days ago and it is not cashed ... they have done this to us before to cause us to fall further behind ... I have emailed them many times and getting no answers ... .I need someone to find out where my mortgage payment is and to deposit it ... .I have never dealt with such incompetent people than this company ... We are living on my husband 's unemployment and paying for our XXXX insurance so he can get his XXXX next month and they will not help us..If you look into this mortgage company you will see how many mass lawsuits have been against them from causing people to lose their homes..
Product: Credit reporting or other personal consumer reports

I'm disputing the accounts below. I contact the companies associated with these accounts and they said they will remove the accounts from their records. I also called Experian and agreed to remove the accounts due to it's fraudulent activities and thru the FTC report that I submitted. But the companies and the Experian credit bureau failed to delete my accounts as what they have said. Please DELETE the accounts below : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious issue regarding Experians failure to properly handle a bankruptcy reporting on my credit file. Despite providing all necessary documentation and evidence proving that this bankruptcy should not be reported, Experian has failed to remove it from my credit report. Additionally, when I disputed the item, Experian did not provide adequate proof or validation to support its continued presence on my report, as required by law. This is a clear violation of the Fair Credit Reporting Act, and I am requesting immediate action to ensure the removal of this incorrect information. The bankruptcy was filed in XXXXXXXX XXXX  in XXXX whereas I have lived and been gainfully employed in XXXXXXXX XXXX  since XXXX. The amount of the bankruptcy is {$0.00} which is even further proof this reporting is invalid because it simply makes no logical sense. Please intervene in this matter to facilitate the correction of my credit report.
Product: Debt collection

To Whom It May Concern, I have been trying for years to advocate on my behalf per my rights as a consumer against the unfair and deceptive acts committed by Midland Credit Management against my credit report. 
MCM obtained a debt they claim that I owe on XX/XX/XXXX. 

XX/XX/XXXX, I requested through certified mail, verification and validation of said debt. They did not respond to my request. 
XX/XX/XXXX I reached out again through certified mail. They're response was a copy of a XXXX page letter from XXXX. 
No names, and no amounts were listed. 

For over XXXX years, MCM has held me XXXX and refused to provide documentation of validation of this debt. MCM has blatantly ignored my request for documentation of validation of this debt. No paperwork showing my name, and no amounts to give me the fair opportunity to verify. 
XX/XX/XXXX, MCM sued me in civil court and lost. I challenged them. They did not provide XXXX single piece of documentation and the attorney did not show up to court. 

What is of most extreme concern and is outlined below. 

Over the years, MCM has not only changed the amounts reported to the credit bureaus on this account in which they claim I have financial obligation, but have also changed the account numbers ( Please see attached documentation. ) XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2900.00} account number beginning in XXXX. 

After my certified letter was received on XX/XX/XXXX, MCM began changing the amounts and account numbers on the offers they submitted to me and on my credit report. 

XX/XX/XXXX - MCM mailed me a debt offer letter listed with a current balance of {$2900.00} account number ending in XXXX. 

XX/XX/XXXX - Credit report showed a balance of {$2800.00} account number beginning in XXXX. 

XX/XX/XXXX - Current report shows {$2800.00} account number beginning in XXXX. 

This has resulted in irreparable damage to my finances and to my financial reputation. 
I am reaching out CFPB pleading to advocate on my behalf. Not only are we dealing with a validation issue, but an issue of amounts and account numbers not adding up. 
All three major credit bureaus XXXX, XXXX, and XXXX have been notified for for years. All have ignored my request to fix this unfair and unjust situation.
Product: Debt collection

I have a debt in the amount of {$490.00} from the original credit XXXX XXXX that was sold to XXXX XXXX XXXX collection that was later deleted and now has been resold to XXXX XXXX. I was not aware of this account being put on my credit within in 5 days prior to being reported to the credit bureau. As well I have talked to XXXX XXXX XXXX on more than numerous occasions in reference to this debt and getting a letter to verify this is my account which was never received. XXXX XXXX this particular collection company is not licensed to collect in the state of TEXAS.As for the account being sold I am no longer liable to pay for this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions that have appeared on my credit report. I promptly reported these fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. However, an extended period has passed since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me significant stress but has also resulted in concrete negative consequences for my financial well-being. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. I insist that you prioritize my case, conduct a comprehensive investigation, and promptly remove the fraudulent accounts and transactions from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are 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 your reference. My 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 Certified mail. 
In addition, I request the immediate removal of the following fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX falsely reported information affecting my credit score. They lied about payments and have been harassing me for payments when in my original contract it states I don't owe anyone anything after breaching. I've currently been extorted for {$700.00}, and they have stolen my car with my child 's car seat and her medication. They have also sent lawyers to intimidate me and got my court case canceled through false representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for XXXX months now. TRANSUNION has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.
Product: Money transfer, virtual currency, or money service

on XX/XX/year> i was using cashapp to buy a service in which the service was never sent to me the person i sent the funds would end up blocking me taking my {$250.00} and not giving me the product i was trying to receive i then asked cash app for a refund in which there support team said the transaction was finalized and i could not refund it without contacting the seller
Product: Student loan

I have been given multiple forbearances and deference because I have never been able to afford my payments. The fees are astronomical. I will not be able to ever afford my payments because the set payment amounts do not take into consideration any living expenses. The payments are based solely on income and family size. It automatically sets consumers up for failure and at high risk for default.