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

XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX complaint to the CFPB is being submitted to request that Experian, as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I ask that this action be completed within four business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX XXXX XXXX - Account XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX  - Account XXXX XXXXXXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX  - Account XXXX XXXXThese fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission.XXXX
Product: Prepaid card

I have tried to order a card with cashapp and received a message my acct was closed due to terms of service violation. I reached out to them via support chat and XXXX  to ask what violation is and how to correct it. Chat Support would not provide what violation is or how to correct it. XXXX  contact referred me back to chat support and did not assist me. I have not received anything in writing via email or postal mail to state this violation occurred.
Product: Mortgage

XXXX XXXX <XXXX> Wed, XX/XX/XXXX , XXXX XXXX to answers, me Hello, I hope you can help. 
XXXX XXXX transferred my loan to XXXX and in XXXX of 2019 XXXX transferred to a company called SLS. SLS will not work with me on updating my mortgage and are threatening foreclosure. 

I have provided them with all my monthly payments. 

I want to refinance but no one will refinance as long as SLS shows me delinquent. 

I am XXXX years old and I need to keep my home. SLS is the worst company ever. 

Regards, XXXX XXXX XXXX XXXX-XXXX-XXXX
Product: Debt collection

in XX/XX/XXXX, i owned a property located at XXXX XXXX, XXXX, OH. at the time, tenants were renting the units. all tenants had utilities put in their name. apparently in XX/XX/XXXX, 2 tenants moved out without paying their XXXX XXXX bills. when XXXX couldnt get the bills satisfied, they sent the debt to Helvey & Assoc located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX as part of XXXX collection process, they also sent two addresses that they had on file so that Helvey could reach out to me by mail to start the 45 day inquiry process. however, the addresses that Helvey has reported to me as of XX/XX/XXXX that they say were given to them by XXXX, do not match with any addresses i have ever been associated with. I NEVER RECIEVED any mail then that i was even in collections. it wanst until XX/XX/XXXX, ( when i was in the process of refinancing that I discovered the 2 collections. I promptly Helvey and paid them off. i thought at the time they would also be removed from my credit when i did pay them. additionally on the call on XX/XX/XXXX, it was also discovered that Helvey did have my correct cell phone. however, on a recorded line, i was informed that they never tried that cell to reach out to me to give me a chance to settle the debt prior to them reporting to the credit agencies. so in the end, XXXX gave Helvey 2 incorrect addresses that i have no idea about and have never been associated with. and a correct phone number that they never tried me on. so in the end, i was never given a a chance to pay this off within the 45 day period. if i would have known about this during that period, certainly would have paid it off.
Product: Checking or savings account

Hello, on XX/XX/2022, I deposited the funds required for opening an account with East West Bank of XXXX {$2800.00}, and then received an email from East West Bank indicating that my account was unilaterally closed. I then consulted East West Bank customer service, and they told me that my account was closed and that my funds had been returned the same way. But my wise account has not received any refunded funds so far. Please help me to check.
Product: Credit reporting or other personal consumer reports

" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my XXXX XXXX. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries : XXXX  ( Finance ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX BANK ( Finance ) XXXX XXXX XXXXXXXX NA ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( Bank XXXX XXXX
Product: Debt collection

In XX/XX/year>, I was sued, but I did not become aware of it until I performed a random search of my name on Marylands case search software on XX/XX/year>. It was then that I discovered I had a scheduled hearing on XX/XX/year>, despite never having been served. I decided to attend the hearing to resolve the matter, but the other party was unprepared. Nevertheless, I agreed to pay {$3000.00} by the end of XX/XX/year>. 

In XXXX, I experienced a financial crisis and asked if I could settle the debt with a {$500.00} payment, which they declined. Instead, they threatened to inform the court that I had no intention of paying the original {$3000.00}. On XX/XX/year>, I submitted an online payment of {$3000.00} through my XXXX checking account. Although I received an immediate confirmation on their website, the funds remained in my account for several days. I called on XX/XX/year>, to confirm the payment, only to be told that they were not processing it because they do not accept " web banks. '' I was not informed of this policy for XXXX days, despite their website only stating that debit and credit cards are not accepted. 

They agreed to accept my {$3000.00} if I paid by XX/XX/year>, which forced me to find an alternative payment method at the last minute without prior notice. I obtained money orders as a solution, but when I returned home, I received a letter from the debt collector, dated XX/XX/year>, stating that they would not accept my payment. They claimed that I was no longer in compliance with the previous arrangement. Despite my efforts to meet the payment terms, they are refusing to accept my payment and are attempting to make it appear as though I am intentionally defaulting on the agreement.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security breach that occured in XXXX  access to the XXXX  XXXX XXXX XXXX XXXX 
Thank you for the prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2013 my husband and I filed a chapter XXXX Bankruptcy. We later withdrew our petition and the case was closed. No creditors were harmed based upon our filing and subsequent withdrawal. Since that date the three credit bureaus have had a bankruptcy showing on both of our credit reports. The balance is correct at XXXX dollars but the Bankruptcy should not be showing at all. My husband and I have both disputed this information many times with no luck having it removed for me and only trans union removed it for my husband. 
This information is a public record that can not be validated or verified by anyone in the court and therefore should not be on the credit reports. It was also withdrawn so I do not believe We should face the same consequences as a person or people who have filed and gone to discharge on their bankruptcy. This invalid information is causing us harm and making it impossible for us to move forward with our financial future. We have been denied credit repeatedly because of this bankruptcy. I believe this also should have been removed in XX/XX/XXXX when all credit bureaus agreed to remove public records. 
Can you please investigate this and help me get this removed from our credit reports.
Product: Debt collection

Profit Services Group ( XXXX, Ga. XXXX ) received mandate from XXXX to collect a debt generated by my visit to the ER at XXXX in XXXX. 

The insurance received the claim on XXXX and made a payment but the Profit Services Group is still trying to collect the alleged debt. 

The person who called has threatened : 1 ) Call my employer 2 ) Affect my credit if I do not pay immediately 3 ) Pretend to have mandate to collect the debt even if it was on recall
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I borrowed money to pay off debt through XXXX. They transferred the loan to Achieve. The original loan was done by issuing me checks to pay off my creditors. I was given two checks to be paid to the Federal agency, the department of education. I did not send the checks because of the student debt loan forgiveness program authorized by the Biden administration, expecting the loans to be forgiven ( these were parent plus loans and the loans were forgiven ). I contacted XXXX about seven weeks ago to have that part of my debt to them canceled, or for them to reimburse me, along with accrued interest for the uncashed checks. They have not reimbursed me and keep telling me they are attempting to do so, but they have to verify the checks with XXXX. My patience is exhausted. I have evidence the checks were not cashed, as they are in my possession. I am currently awaiting a mortgage refinance loan and fear my money will never be returned to me. Achieve loans insists they can not even give me an estimated time for the resolution of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, XXXX XXXX XXXX, RENT DEBT AUTOMATED COLLECTION , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Product: Student loan

MOHELA automatically put me in forbearance in XX/XX/2023 when I requested IDR with updated income. Then when my first payment was due it read {$0.00}. The next payment was only {$28.00} instead of the correct payment of over {$500.00}. I can not afford the IDR program determined value. I live in XXXX XXXX and taxes take XXXX of my income. Housing and cost of living is at an all time high. I have XXXX XXXX I need health insurance premiums for. Im single with no children and losing money each month just from living.
Product: Credit reporting, credit repair services, or other personal consumer reports

You cant add interest or fees, or charges not authorized in the original agreement. Extra fees must be in the contract, A collection agency can not have false or misleading representations. This alleged debt that's on my credit report needs to be taken appropriate action to correct inaccurate or incomplete information on a credit report per the FCRA
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required unde

r 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify an
y information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent three different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over 60 days now, and I have received no response at all. I sent the first notice on XX/XX/XXXX, then again on XX/XX/XXXX, and again on XX/XX/XXXX. Each notice was sent via USPS Priority Mail and was verified as delivered via the USPS tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inquiries on my credit report that I believe are not legitimate. After reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. It seems that someone may have used my personal information without my consent to initiate these inquiries.

I kindly request that you investigate these unauthorized inquiries and promptly remove them from my credit report. I have included a copy of my credit report highlighting the inquiries in question for your review. The following inquiries are incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I paid two payments of {$25.00} and {$20.00} dollars equaling to {$45.00} dollars. Yet, Kohls credit card still posted on my credit report late payment of {$40.00}. Which, I should be in good standing. I want late payment removed because I made payment within grace period.
Product: Mortgage

I am trying to pay off my mortgage early by paying extra principle. Every time l log into my account and pay the extra principle, my mortgage company ( Mr.Cooper ) takes out an additional mortgage payment for the following month. I have called them on several occasions and stated to them that there is a glitch in their accounting software. I also ask to have my money returned to my account as soon as possible. They investigate the issue and always apologize and state the money will be returned to my account in 24-48 hrs. This has happened 3 times now, and l have to call several times to get the money back. It never comes in 24-48 hrs, but takes up to a week or 10 days to get the money returned to my account. This latest incident has gone long past the 48 hours. I called again yesterday and the guy l spoke with stated he was going to escalate the matter to his manager. As of tonight XXXX XXXX, the money still has not returned to my account. This situation leaves my bank account vulnerable to overdraft for my other bills and financial commitments, thus affecting my credit rating. In addition, they have my credit score listed in the low 700s. All of my credit card accounts, XXXX XXXX and XXXX XXXX  have my credit listed in the 800s. I am tired of dealing with their ineptitude and thus filing this complaint. Thanks, l hope you can help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to the Bureau was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX. 

I was unhappy with the coverage/service and was not getting the promised speeds/coverage. 

On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought. 

My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days! 

I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me. 

Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service! 

Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive. 

Please help me, XXXX XXXX
Product: Checking or savings account

My card was stolen but checks were being added to my account and not knowing XXXX  was involved as well XXXX in the hole they closed my accounts and told me I could no longer be apart of the bank that I was depositing these checks and i wasn't
Product: Money transfer, virtual currency, or money service

Western Union did not send my money, even after several attempts on my part to have the money sent, and they didn't contact me with any valid reason of why the money was not transferred between my XXXX XXXX  to my bank in XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Second and Final Notice Legal Demand to Remove Inaccurate Late Payments Under CARES Act, FCRA, and 15 U.S. Code 1666b To Whom It May Concern, This letter serves as a second and final formal dispute regarding inaccurate late payment information reported on my credit file related to the following account : Account in Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment ( s ) Reported : XXXXXXXX XXXX / XX/XX/year> / XX/XX/year> Despite my previous written request dated [ insert date of first letter ], I have not received a response nor confirmation of investigation, correction, or validation. This lack of action constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 611, which mandates a full investigation within 30 days.
Product: Credit reporting or other personal consumer reports

Until now, I received NO resolution from Transunion, XXXX and XXXX despite my numerous efforts of sending them multiple letters in a mail. I have already spent so much time and money with these incorrect items that these agencies has been furnishing on my credit report. All I want for to have these accounts be totally remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX