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

Hello, so I have made my mortgage payment on XX/XX/XXXX I sent them a check through USPS and I sent them proof that I sent the check. I sent them a copy of the check and the XXXX dated stamp confirming that they have received the mail on XX/XX/XXXX. Somehow XXXX XXXX claims that they have received my check until XXXX, which either it got lost in the mail or someone misplaced my check in the company and forgot to deposit it.. because I mailed this out XX/XX/XXXX with proof, When I saw in XXXX that it did not post in my account I immediately made XXXX online payments for XXXX to be on the safe side... Seeing that they don't receive my checks.. 

I sent them in proof with everything and they have not done anything all they say is that I made payment on XXXX even though they have received my checks and confirmed they have received it and they have confirmed they have seen the dates and the USPS confirmation for XX/XX/XXXX but they still have failed to remove that from my credit report and update the credit bureau XXXXompanies that I'm up to date with payments and I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has pulled my credit report multiple times without permissible consent. 
Company Name and address- XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX OH XXXX Unauthorized Inquiries below. 

XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX XXXX Inquiry : Date XX/XX/XXXX The date on the credit application XXXX XXXX from XXXX XXXX  says I gave consent to pull my credit report is from XX/XX/XXXX. That is almost 7 years ago, inquiry 's fall off credit reports in 2 years according to the CFPB. 

Also, the credit application sent from XXXX XXXX date at the top doesn't match the date where the signature XXXX XXXX says I've signed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


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

In 2014 I transferred service within XXXX XXXX XXXX communications from a traditional landline/internet package to a XXXX package. I was advised by XXXX XXXX XXXX at the time that my new bill for my new package would be prorated for the number of days left in my billing cycle that I had that account and that the remaining prorated balance from my previous package would be included. I have been informed by a collections agency, ( Enhanced recovery ) that I have a balance with them for an unpaid bill from XXXX XXXX XXXX for {$61.00} for said service. When I called XXXX XXXX XXXX about this, they stated it was a final bill for a closed account. I explained that the account was not closed by me and that the service was transferred. The agent indicated that they could see I was a customer in good standing and have been since before 2014. They indicated that the balance was not transferred before the account number was changed over to the new account number for the XXXX package and that this caused the issue. They told me to call Enhanced Recovery to request the debt be removed from my credit report. They also told me that I could pay XXXX XXXX XXXX directly for the amount owed. I asked if they could provide proof that I owed them this money and they could not because it was in collections. Once I called Enhanced recovery they indicated that I could pay them for the debt but doing so would not remove the issue from my credit report. They advised that only XXXX XXXX XXXX could do that. It is not my fault that XXXX XXXX XXXX did not bill me correctly and by their own records they show that I have paid all bills fully and am in good standing. XXXX XXXX XXXX has not yet provided proof that I owe them this amount nor have the addressed that it was their billing process error that resulted in the collections action for a bill I should have and did n't ever receive.
Product: Credit reporting

Questions It states THERE DECISION was based in part on a credit scoring system that was used to evaluate my application the reason where I did not score well compared with other applicants have been determined and are listed below insufficient credit history on file so my question is is it legal or is it fair that they are evaluating or trying to generate score a credit scoring system based on they are comparing me with other applicants in order to create this credit score I do n't think it 's fair that they want to compare mine my personal information or evaluate me if I am up to par and compare that with other applicants and that 's how they determined second question it also States some information used to make this decision was obtained by the credit reporting agency it did not make this credit decision and is unable to provide you with the XXXX reasons of our action
Product: Debt collection

The original XXXX has been 7 years, I have disputed this account with no response
Product: Debt collection

Credit Management Company engaged in harassing collection practice attempting to collect a debt. I was called 8 times within 7 days of each other. The first phone number used was XXXX to call me on XX/XX/year> at XXXX, XXXX and a third time in a row at XXXX. On XX/XX/year> Credit Management Company attempted contact from XXXX XXXX followed again immediately at XXXX, then they called from XXXX at XXXX and again at XXXX which caused me to panic and leave my desk to call them back and see what the emergency was. XXXX! back to back to back to back to back calls which made me fear something had happened to my elderly parent. This tactic is unethical in my opinion. This tactic is to try and get people to answer the phone in fear also violated the 7 in 7 rules.
Product: Student loan

We previously reported MOHELA and XXXX. MOHELA violated the Federal Fair Debt Collection practices. They were told to Cease and Desist from all calls. Today XX/XX/XXXX MOHELA again made a call from XXXX despite our demand the CEASE and DESIST. We are on a Federal DO NOT CALL list. Today 's 6th call incurs another {$1000.00} penalty for violating the Federal Do Not Call List and another {>= $1,000,000} for collecting our Biometrics and voice prints on a recorded line without our express authorization for their collection or use. MOHELA now ows us directly {$6000.00} for the six calls and use of Robo Calls and {>= $1,000,000} for the first collection of biometrics and {>= $1,000,000} for the second collection of BIOMETRICS, making MOHELA liable for the full abount {>= $1,000,000}. Despite our request to prove any Debt, MOHELA failed to provide a forensic audit under penalty of perjury under notary seal as requested. We have no contract with MOHELA. XXXX was engaged in financial fraud and MOHELA has continued the Fraud. Please engage in Enforcement action against MOHELA for violating the Fair Debt Collections Act, for using the telephone to harrass despite being demanded to CEASE and DESIST, for failing to prove a Debt, and for engaging in interstate wire fraud which is now RICO under the XXXX XXXX, MOHELA having engaged in similar practices for which XXXX was removed from business- violation of Fair Debt Collections Practices Act. Any alleged Debt that XXXX may have claimed was discharged. MOHELA failed to honor such discharge and is thereby in DISHONOR. We demand that MOHELA provide us with its W-9 and process the IRS FORM 1099C Online to cancel any debt. The IRS FORM is https : //www.irs.govXXXX We accept MOHELA 's refusal to cancel the Debt and refusal to provide the W-9 as confirmation of DISHONOR in accordance with Uniform Commercial Code 3-601 which by the express actions of MOHELA, all alleged Debts were discharged. Any further attempts to collect from us, or contact us is MOHELA 's express agreement, admission, and stipulation that they are guilty of interstate wire fraud, unfair debt collection practices, and violation of the Securities and Exchange Act of 1934 and Public Law 73-10 and that MOHELA, its CEO, CFO accept all criminal and civil liabilties for its continued action, the current amount Past Due is {>= $1,000,000}. We request that CFPB pay us {>= $1,000,000} from the Victim 's fund and initiate enforcement action against the CEO, CFO and agents. of MOHELA, similarly to the effective prosecution of XXXX. We claim that MOHELA is engaged in RICO activities and its CEO and CFO and agents are guilty under the XXXX XXXX for RICO. 

US Treasury confirmed that we owe no debts to any governmental entity. 

MOHELA is therefore engaged in harassment of elderly veteran, in unfair debt collections practices. Since MOHELA used wire to further their scheme, they are involved in WIRE FRAUD.
Product: Credit card or prepaid card

I had XXXX  in XXXX and called citi card they said not to worry they approved me to defer all minimum payments and balances for 3 months then I received a letter in the mail stated my account was closed. I have called multiple times and they refuse to reopen the account or remove the reporting from my credit bureaus.
Product: Consumer Loan

Vehicle was totaled, declared a total loss on XXXX XXXX, 2016. WFDS/WDS has reported to the credit bureaus a 30 day late pay to all XXXX credit bureaus for either XXXX or XXXX, I am unclear on the exact. However I was told not to make payment as the car was a total loss XXXX XXXX. Attached is the letter from my insurance company via my lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports :XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I initiated a transfer to a person in XXXX that was promised same day. It has now been 5 days and they refuse to complete my transfer or to return the money to me. It is true theft of my funds. 

This is western union, the XXXX is : XXXX They have opened two separate cases with no resolution : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE : Phone call to Equifax Credit Bureau XXXX XXXX XX/XX/22 Phone call to XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found out in XX/XX/2017, that I was a victim of Identity Theft. After the initial shock of realizing that my personal information had been compromised I immediately went to my local police department to file a report. They said that since I did not have any information on who had stolen my identity that I could not file a report about that time. I went home and pulled all 3 credit reports and found numerous items on there such as inquires, and collections from accounts that someone had opened without my knowledge using my Full Name, SSN,  and D.O.B. I called each credit bureau to find out what steps I should take to have these items removed and permanently deleted from my reports and to also put fraud alerts on my reports as well. They told me to go to FTC.GOV and fill our a FTC AFFIDAVIT and get it signed and notarized, and also fill out an FTC Identity Theft Report on the same website. After following those exact instructions I was told to fax all that information in to each Bureau and once the information is received ALL fraudulent items would be deleted. XXXX is the only Bureau that has complied with the promise given and have given me the help that I needed to try to rebuild. Equifax, neither XXXX have done anything that they said they would do. I have faxed and mailed a copy of all the items requested over 10 times and Equifax, and XXXX have yet to remove the items that were apart of my identity theft. I have called and they keep telling me to fax and mail it again. I need the CFPB to help me get this issue resolved. I am a victim and these two credit bureaus have ignored my efforts to fix this situation and continue to give me the run around on a daily basis. Please help me to get this matter resolved. The only resolution is for EQUIFAX and XXXX to Permanently Delete ALL fraudulent items from my credit reports.
Product: Mortgage

Single owner of my property and my house XXXX XXXX. Suntrust Mortgage Unfair reporting created debt unauthorized lending practices anti trust issues of personal information was used as a Mortgage Scam Electronic registration system, Mortgage Fraud, securities fraud ... The Washington Supreme Court ruled that MERS is not considered a beneficiary under state law. Fla can a business operate without a identification number ( EIN ) or tax number? LLC owners must still pay federal taxes. LLC owners may need an EIN, or Employer Identification Number ... Without one, your business can not operate legally.

inaccuracy, fraud and scamI never signed these contracts, they were Fraudulent identify theft and mortage theft. May Be Submitted In My Name Or My Identity Fraudulent mortgage documents MERS Assignment of : Mortgage accts. accuracy, fraud and scam of Electronic Registration Have Been Used without My Consent To Fraudulently Obtain Goods Or Services Mortgage. XXXX county records, tax fees and documents are missing banks cant own real estate with tax fees or records found at the XXXX XXXX county clerk office. county land records show I have never authorized these loans. I have been extorted by and scamed someone is using my identity to pay debts that i do not owe. while others had forged signatures or documents put together by someone with very poor Photoshop skills.the electronic mortgage registry with the same name. There must of been an error in their SYSTEMS. I am the property Owner and deed owner. MERS was used Fraudulent mortgage documents. to creat this acct. force me to pay a debt that i don not own. i own my home and have the deed, both to the land and the property. This is not my account. i am owed money from this account. Suntrust Mortgage reported to XXXX, XXXX and XXXX  Real Estate Debt {$100000.00} I. MERS Mortgage Fraud MERS ASSIGNMENT nstallment Loans Collections Debt Total Debt {$110000.00}. Something as part of a whole.Sun Trust Mortgage organization as a ilegal corporation created a mortgage using my old name and address signitures copied and pasted on documents which was sold from one bank to another, then an assignmenta document showing that the mortgage has been transferred. 
Fraudulent mortgage documents. Sun Trust Mortgage I have paid money for i debt i dont not owe.although i have {$700.00} Paid 516 Months. 
copies or photos of documents I have never authorized this forge signiture.SUNTRUST MORTGAGE,. i paid to avaid damage to my credit and home but i dont no owe this debt. Nor did i authorized these accounts. loan no. Conventional Real Estate Loan, Including Purchase Money company with Tax no. and without EIN number to operate in the state of florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX XXXX billing for a mortgage i do not owe. XXXX. i am owed a refund for the money i have invested into these accounts. I will need to send documents by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the EQUIFAX data breach, I was informed and have verified my info was used fraudulantly. 
I had sent and called to the credit bureaus to ask that the addresses to removed because they are not my residence., XXXX XXXX XXXX XXXX XXXX is a business building and XXXX XXXX XXXX XXXX XXXX, ND is a XXXX XXXX according to XXXX maps. 
I was told by XXXX they don't do investigations and wouldn't help. 
15 USC SEC 1681 ( i ) statess that I have rights to dispute and that the credit bureaus do an investigations and all info should be accurate and verifiable. 
I believe my rights have been violated. 
I am requesting the erroneous ccounts be deleted for I have never lived at those addresses or have knowledge of theses accounts. 
I have enclosed my FTC ID Theft Affidavit along with my EQUIFAX settlemnt Claim # for proof. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit for XX/XX/year> has not been credited to my account. Capital One stated they are having XXXX party vendor issues. No update in XXXX XXXX  So, I have no money to buy food, or pay bills.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/year>, I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act.

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above.

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 Target made a hard inquiry to my credit record that I never authorized. It shows as TD Bank USAXXXX Target, I did contact the bank they couldn't help me. I called Target Fraud Department and they opened a case that will pull that hard inquiry from my credit report in 3 months. I really don't know if that time frame is normal.
Product: Debt collection

I sent the below letter to their company on XX/XX/year> and did not receive a response back with the information I requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thursday, XX/XX/year> RE : XXXX To Whom It May Concern, Your company is reporting the below referenced account on my credit report as a collection account. 
XXXX XXXX XXXXXXXX XXXX in the amount of {$490.00} I have disputed this item with the credit reporting agency , and they reported you confirmed the account as valid. 
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 
I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely matter, will be considered a waiver to any and all your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or a waiver of status. 

XXXX XXXX XXXX