23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a XXXX XXXX XXXX medical bill that was opened in 2013, for which I had an agreement to pay XXXX once my car accident case resolved, my attorney didn't received the medical bill and they sold the bill account to metro collections, and after five years almost six, this metro company is harrasing me over the phone and letters, I filed a dispute in my credit report, still they keep increasing the old debt, I filed a complaint with fl office of financial regulations and they found that metro collections was harrasing me and didn't have a license in fl, now they referred me to you to investigate and stop this collection agency from continuing this unlawful behavior. 
The account is more than six years now and based in fl law is too old to be in my credit report. I need you to please stop these people abuse and remove them from my credit reports as soon as possible. Thank you for your assistance.
Product: Mortgage

In XX/XX/year>, my wife and I applied for a loan modification with our mortgage company because we fell behind in our payments. They approved the modification with the condition that we make three trial payments in XXXX, XXXX, and XXXX. Upon our last trial payment, we were supposed to receive the paperwork for our new mortgage terms within 30 days of the last payment. When made the last payment, we were told that the paperwork would be mailed no later than XX/XX/year>. On XX/XX/year> the mortgage was transferred to a new servicer. The new servicer told me that the paperwork would be mailed by XX/XX/year> my credit would be updated and it would report that I was up to date. The old servicer reported that the mortgage was transferred with a 120+ days past due. During that time, my credit scorXXXX was XXXX and I just paid off three credit cards. I never received the paperwork and on XX/XX/year> my score dropped XXXX points because of the 120+ days past due. After calling more than 25 times, they keep telling me the same thing. The paperwork is being finalized. I was told multiple times that someone was going to call me back. Then my score on XXXX dropped to XXXX and my XXXX is now at XXXX. They are not even reporting the payments that I am currently making. This is causing me a hardship. I need to buy a new car but I can't because the new servicer has refused to report the updated mortgage on my wife 's and I credit report. According to the paperwork that I signed, this matter should have been resolved on XX/XX/year> and yet it is still not reflecting on my credit rep [ ort.
Product: Credit reporting or other personal consumer reports

I am requesting the Correction of Inaccurate Information I am writing to formally request an update and correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified names and addresses that do not belong to me. Additionally, I have found accounts linked to this inaccurate information that are not mine. This incorrect reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following names and addresses are incorrectly listed on my credit report : 1. Incorrect Name/Address : XXXX XXXX XXXX 2. Incorrect Name/Address : XXXX XXXX  XXXX 3 . Incorrect Name/Address : XXXX XXXX XXXX 4. Incorrect Name/Address : XXXX XXXX 5. Incorrect Name/Address : XXXX XXXX 6 . Incorrect Name/Address : XXXX XXXX  XXXX XXXX XXXX XXXX GA XXXX XXXX 7. Incorrect Name/Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX These inaccuracies have led to the wrongful association of the following accounts with my credit profile : 1. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 2. Account Name/Number : XXXX XXXX XXXX XXXX XXXX. Account Name/Number : XXXX XXXX XXXX XXXX XXXX 4. Account Name/Number : XXXX XXXX 5. Account Name/Number : XXXX XXXX XXXX. Account Name/Number : XXXX  XXXX XXXX 7. Account Name/Number : XXXX XXXX XXXX 8. Account Name/Number : XXXX XXXX  XXXX 9. Account Name/Number : XXXX  XXXX XXXX  XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The presence of these incorrect names, addresses, and associated accounts on my credit report is a clear violation of this requirement. Please find enclosed copies of my identification documents, proof of address, and a copy of my credit report with the inaccurate information highlighted. 
I appreciate your prompt attention to this matter. Please confirm in writing that the incorrect names, addresses, and associated accounts have been removed or corrected. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on this account is not reporting accurately. The only payment terms that are in agreement with XXXX, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.
Product: Credit reporting or other personal consumer reports

I requested for my information to be updated via email provided by customer service of XXXX XXXX. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid.

I do not wish to have any other number on my report other than ( ********** ) update my phone number.

Update My address ( ********** ) I do not want any employer listed at all please remove all past employer information.

My correct Birthdate is ( ******** ) please update.

Please remove all addresses off of my account as they are not deliverable to me by XXXX XX/XX/XXXX and they are not reportable as per FCRA since they are inaccurate. 
Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number : ********* This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND AND SOCIAL SECURITY NUMBER TO OPENT THESE FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Prepaid card

Re-submission of Complaint ID XXXX, which, for whatever unknown reason, is not listed on my CFPB page, despite receiving an e-mail and a hard copy via XXXX. The false claims by the respondent are simply wrong, and must not be allowed to stand!
Product: Student loan

I am a borrower impacted by the Joint Consolidation Loan Separation Act. I have completed a XXXX  reconsideration request ( including my employer certification ) and have been assigned a case number. As I believe I will now qualify for XXXX, I sought forbearance with my loan servicer, AES. This was granted through XX/XX/2024 ; however, interest continues to accrue monthly. When I asked for interest-free, I was denied. This is presenting undue hardship and financial risk to my family.
Product: Debt collection

This vehicle was stolen and when the police retrieved it.. it was returned back to the company and they told me the car was sold and the amount it was sold for would be put to what I owed down. This was almost 3 years ago.. they closed the account and Im not sure why it says its open and a balance. This needs to be off my credit report
Product: Debt collection

Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
Here are the remaining accounts : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXXXXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00}.
Product: Checking or savings account

HSBC has a webpage advertising their premier checking account at https://www.us.hsbc.comXXXXXXXXIt advertises in large text at the top "No Fees" with no qualifiers.However, buried in the fine print is a $XXXX/month "monthly maintenance fee" and a $XXXX   "legal papers" fee.See Page 3 of the advertisement (attached PDF) for the "No Fees" text, and the separate T&C (also attached) for the other fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is trying to collect a debt from a power company in PA on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XXXX XXXX, 2016 ) to Experian and they are refusing to change the report. I have told both Experian, XXXX XXXX XXXX and XXXX XXXX that i no longer owned the house.
Product: Student loan

I was enrolled in the XXXX XXXX in 2007 at XXXX University. 
I was getting student loans to cover my living expenses, and at mid-term i did n't have the passing score that they required, but was n't aware that i had to have a perfect score at midterm. It was the only program in XXXX that required that. They did not let me return and finish the rest of the semester, so they kept my tuition for the rest of the semester. I could not sign up for other classes because it was in the middle of the semester. i went through the process again the following year with yet the same results. I lost my student loan tuition and got behind on living expenses and had to file bankruptcy. Since that period of time they have now reconstructed the program and does NOT require a perfect score at mid-term. Under my financial conditions, there is no way I can pay any amount. This is the Chase account number : XXXX
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. I have already reported this information to law enforcement, the credit bureaus as well as the creditos. I did the whole process right, and sent off letts with my IDs and the reports. It has been several months and I have heard NOTHING back except that Equifax corrected a few addresses the thieves used. Please can you assist XXXX with this mess? It is ruining my life!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX XXXX at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through Americredit Finance. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from Americredit, that provided me with information about my upcoming payment. A few minutes after the call ended, Americredit called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) XXXX ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how Americredit knew that I was on leave. She was n't sure, but that I should n't worry and that XXXX would handle it. They " handled '' it by making hard credit inquiries without my permission- Americredit ( twice ), XXXX XXXX, XXXX XXXX, and XXXX. In XX/XX/XXXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XX/XX/XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.
Product: Checking or savings account

I am a new immigrant in the United States for 9 months, I opened a check account at US bank with the online banking option, every day I receive several phone calls and messages that offer me bank loans, one day I myself am interested in changing my car and I submitted an application for a car loan, then I received a phone call asking me for personal information as well if I work and in which company and how I am paid, I have him explain that I work with XXXX  cubes and I receive my salary by direct transfer to my bank account, he asked me to see the last two paystubs and he told me to show me my bank statement, and he asked me to connect to my bank account, then he received my username and my password, suddenly my online account was blocked and I had to phone my customer service bank to unblock me and give me access back to my account, unhappy She couldn't, but I couldn't understand why because my level in English is still low, after 2 hours I received a telephone from US bank and another assistant talking to me with an American accent that was very difficult to understand and a poor quality of hands-free network because I drive my car and seeing that I thought it will solve the blocked account problem, it made me understand that my bank account will be closed. I was too surprised because I could not imagine the reason for this decision, the next day I went to the branch in XXXX and I spoke with the manager of the bank who tried to help me by calling the appropriate service but unfortunately they refused to resolve my situation and either I could not withdraw my funds, I explained to him that I need my money because I have payments to make to pay my rent and my bill and my medications and to ache take food, etc... His answer was no and that I will receive my money within 30 to 45 days, I was too upset because I work hard every day and to receive my pay and my bank blocks me, so what good is a bank if it does not provide a service. In addition I had to ask my employer to change the account number to another bank for my payroll. I wanted to draw attention to my experience and the badly with the difficulties that I am facing on this incident especially since I do not yet master English, if the assistant noticed that I do not understand it is her fault to continue asking me questions, she should have given me an interpreter at least.
Product: Credit card or prepaid card

Some one tried to open a Credit card of XXXX XXXX XXXX last weak and this week some one tried to open a Credit card of XXXX XXXX XXXX this is reported to me from Experian to me they had me add Fraud Alert but that did not help on the second attempt
Product: Credit reporting or other personal consumer reports

The closing date is on XX/XX/2024, and I paid the XXXX  completely off on XX/XX/2024. I am trying to apply for a credit product and am unable to due to this inaccuracy harming my credit and reputation; please fix this inaccuracy as soon as possible. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$430.00}
Product: Debt collection

RMA CREDIT is claiming that I owe them {$51.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card

In XXXX of XXXX, payment was made to Captial One credit ( 2 ) cards, through a Lawyer 's office of Captial One " XXXX  ''. Bank Statements and the Assistances with a VA Representee that assisted me in paying the full amount to the XXXX XXXX XXXX in the amount of {$7500.00} and a {$590.00} legal fee charge to them in XXXX of XXXX. A Supervisor in the name XXXX ( Spelling may be wrong ) at XXXX, that they did not receive the payments and when asked for the complaint phone number for Capital One or his supervisor he said he didn't have to and that i need to pay them that amount. 
Not only, is this inappropriate for a Company to act and commit Frued of money that a consumer paid, they have no right in reporting that I didn't pay when evident proved they received the money. There was a total of 4 accounts and that they totaled over {$7500.00} for all 4. They show only two paid and the total amount of all four total on these two accounts. 
They have refused me information for them cooperate office in getting this mattered solved. They have Been paid in full and did not close all 4 accounts, they took the two that were paid off and add it to the two there saying aren't paid in which all four of the accounts where a total of {$7500.00}. They are defrauding me and reporting it on my credit reporty that I didn't pay them, in which I did pay all four cards off in full.
Product: Checking or savings account

On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen. 
The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX. 
When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim. 
I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money. 
I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases. 
Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''. 
It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check. 
The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal loan from XXXX XXXX the account was opened on XXXX XXXX XXXX under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal