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

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX I paid a debt for XXXX $ with First Credit Services out of New Jersey. The company agreed to send a letter to the original creditor canceling my membership and any further payments upon receiving payment. They charged me XXXX $ instead of the XXXX $ and had to issue a refund. Today I received a call for a debt of XXXX {$.00} Last time I paid it the company did not send the letter to the original creditor that they had promised to send. This caused the original creditor to charge me again. 

In summary, First Credit Services promised to send a letter to the original creditors canceling any further charges from the original creditor upon receiving payment, They did not, and another payment was issued. 

First Credit Services said " You pay us, we cancel any further charges and cancel your membership. '' They did n't cancel further charges or membership.
Product: Credit card or prepaid card

I got a Blue Cash card specifically because there was no APR or interest to be charged for 1 year. Every single month, my statement shows that there was an interest charged on purchases. Every single month, I contacted XXXX and notified them about the problem. Each time, every single month, I was told by the representative that the charge has been fixed and will appear as a credit, and that I will NOT have this issue again. Sure enough, soon after, I see a credit adjustment for the amount of the interest on my statement. However, each month, despite being told the issue will not happen again, every statement shows interest charged. I end up having to repeat the same call, for the same credit, and am told each time it will not happen again next month. But then it does. I'm suspicious that this is being done because XXXX XXXX is wagering that I won't pick up on this each month. Imagine how many people don't have the energy to call every month and correct each charge ... for these individuals, is XXXX XXXX simply taking interest that is not theirs to take? Respectfully, XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have contacted Equifax several times via phone, online and first class mailings on many ocassions in regards to 1 account that was placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it! It makes it look very bad on my credit report, and reporting negatively. I am trying to get financed for something and it makes it difficult when they're checking credit, and I have a negative account that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax, several times and they say the same thing over and over.The companies need to either send proof of validation or it needs to be removed This account does not belong to me I have done FTC I have called and they have told me that they are handling it and they have received proper paper work and I should see an update and I never do.The following account that is reporting is ... XXXX with a balance of {$1400.00}
Product: Money transfer, virtual currency, or money service

I have a business and use Square to run credit cards. They have blocked my account and say its under reveiw and it would take 24 hours. But now its been 7 days and They will not release my money. There was a balance of {$5000.00} and sales this week of {$9000.00} that they wont release. All my auto debits are set to come out on Monday and my payroll for XXXX employees is in that batch of money. I dont know what to do please help me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 FLAGSHIPCRDT Oct 16, 2023 KMF Oct 16, 2023 VYSTARCU Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 

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

This debt did not follow the state guidelines. Amount is not correct. Refused to provide proof of amount owed.
Product: Credit reporting

I am a victim of identity theft. There are fraudulent accounts on my credit report. I have already submitted my police report, FTC identity theft affidavit, drivers license, social security card and utility bill to Equifax with my written and typed dispute and they continue to still report these fraudulent accounts. Because they have not removed these fraudulent accounts, It has prevented me from getting a house and credit. I have sent several disputes to Equifax and I get a completely irrelevant and what seems like auto-generated letters back. The other credit bureau these fraudulent accounts but because Equifax has n't and also denied to blocked these fraudulent accounts as I requested and am entitled by the FCRA. I have given many opportunities to have Equifax correct this blatant fraudulent reporting. I now have to escalate this issue to this complaint and will now consult with a lawyer. The fact that Equifax says they " verify '' is counter intuitive, since I am an identity theft victim, of course my name, address or what other information will be used. That 's what identity theft is, the use of a person 's identity, personal information and anything else that is used to identify a person. If there was n't this use, it would be called something else. I 've attached copies of my letters, police report, affidavit and some Equifax responses. Equifax is well aware these accounts are fraudulent and is just ignoring my disputes while continuely to report it. 
Please assist me to remove this fraudulent account from my credit report. Thank you.
Product: Mortgage

We financed a house with Bank of America in XXXX and the market that crashed in XXXX took down a lot of businesses. XXXX XXXX did n't have a lot of work and was dealing with a back injury. We held on until XXXX and tried to make payments the best we could. In XXXX of XXXX we applied for a loan modification with a company called XXXX XXXX Modifications. They promised that our payments will be lowered and we will be able to refinance and live in our home. It all turned out to be a scam though. They acted like they were trying to help us but on XXXX XXXX they canceled the loan modification without giving us notice. Then they disappeared into thin air and took all our money in the sum of {$4800.00}. And did n't help us any. After the appointed court date passed the " lawyer '' that we hired gave us the paper that we needed to go to court, but as the date passed already we could n't do anything. On XXXX XXXX XXXX a XXXX XXXX XXXX brought us a pink paper that stated we were getting evicted on XXXX XXXX XXXX because the house had been sold without our knowledge. By this time XXXX XXXX of New Leaf Modifications and XXXX XXXX the lawyer that we hired through XXXX disappeared. All the papers that we got that printed out from XXXX XXXX Modifications printed out on XXXX/XXXX/XXXX we got only in XXXX of XXXX in the mail. Now 7 years later XXXX XXXX has a debt of $ XXXX without living in the house since XXXX XXXX. If there is anything we can do please help because XXXX ca n't work since the banks keep taking his money every check we put in the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 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 XXXX XXXX The accounts below are fraud accounts that are added to my credit report and needvto be removed. 

XXXX XXXX  ( ACCT # XXXX ) - EXPERIAN ( Fraud/Theft ) XXXX ( ACCT # XXXX ) - XXXX ( XXXX )
Product: Credit card

On XXXX I asked for information regarding financial hardship from UPGRADE, the agent I spoke with set it up, one account payment was XXXX and the other was XXXX. 

On XXXX I checked my account XXXX dollars was due to come out of my account, I called UPGRADE and spoke with an agent named XXXX he stated that there was no problem that the system would continue to show the XXXX dollars but the agreed upon hardship amount of XXXX would be the one being deducted, I explained that my account didn't have the funds available to cover the XXXX dollars and that it would create a NSF on my account, he stated that if that happened UPGRADE would refund the NSF fees. 

On XXXX my credit union account was over drawn and XXXX NSF fees had been charged, I called UPGRADE and spoke with an agent XXXX, after XXXX minutes of conversation and being put on hold I asked to speak to a manager, XXXX then gets on the call and informs me that they had to do a lot of a manual work to get this hardship completed because of system problems and tells me that I now have to send them a PDF copy of my account before they can refund the NSF fees and then attempted to get me to pay a different amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using  tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any help
Product: Money transfer, virtual currency, or money service

I transferred Funds from my checking account via XXXX to my friend whom also banks with the same Institution. I received a notification that he did receive funds. Almost three years later he tried to use his XXXX and was told he had never used XXXX. He said he did because I sent him money. He looked back into his account and he NEVER received the funds. However, the funds are gone from my account and I have confirmation text that he did receive it, but he in fact did NOT. Bank of America stated its been to long and they cant do anything about this matter. I was finally able to get Bank of America to file a claim. He did not receive the funds and the funds were taken from my account. Where are the funds is what Bank of America needs to prove to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX extoriton scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT.

contacting creditors and posting incorrect purchase dates on debts bought.

refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved.

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

On XX/XX/XXXX, I discovered my credit scores decreased due to unpaid rent for a XXXX XXXX being sent to collections. I live/own a home in IN and never applied for this rental. After contacting the collection agency ( XXXX XXXX XXXX ), they told me it was being handled by Brett M Borland Law. The law firm informed me the tenant moved in XX/XX/XXXX and requested a copy of the police report & DL so they could investigate. My credit reports have been frozen since XXXX and no inquiries were ever made by XXXX XXXX, so I don't think they properly verified applicant information. I have submitted FTC theft & police reports and have disputed with the 3 credit bureaus. I want to ensure this collection gets removed from my credit since it was a result of identity theft.
Product: Credit card or prepaid card

Hi, I was on the XXXX  Website to book a flight and a special offer came up saying if I spend {$1000.00} Dollars in 3 months I get XXXX XXXX mile points. I found out later the amount was {$2000.00} dollars and they are not honoring the advertisement.
Product: Student loan

My loan servicer is Mohela. On XX/XX/XXXX, I made a large payment to Mohela for the amount of {$34000.00}. I received an email confirmation # XXXX. The payment was not processed on the Mohela website and after calling in XXXX, I was told it could take up to 90 days to process. I sent a message to Mohela on XX/XX/XXXX and they responded saying the payment was " suspicious activity. '' I then uploaded the bank statement from XXXX showing the money was withdrawn by the Dept of Education on XX/XX/XXXX. I waited the 90 days and then sent a follow up message on XX/XX/XXXX ; they again responded saying to please wait 60 days since they were transitioning to a new operating system. I waited 60 days and then sent a follow up message on XX/XX/XXXX. During this time, Mohela forced a forbearance ( I did not initiate this ) - and interest has been continuing to accumulate on my loan balance, including on the {$34000.00} that still has not been accounted for. 

Every time I have attempted to call, the wait time is too long and I have to hang up. Today I placed a call to Mohela at XXXX EST and was on hold for 3 hours and 37 minutes. After 90 minutes, one representative answered briefly and told me she had to transfer me to a supervisor. After holding for another almost two hours, a second representative answered and told me she would also need to transfer me. At this point it was XXXX EST and I clarified that I would not have to wait long for this person ; she lied to my face and said " I have them waiting on hold to transfer you right away. '' She transferred me to another line in XXXX that ended in a voicemail, asking me to leave my information and that I would get a call back in 24 hours. I left my information ( sans my full SSN ). 

They have stolen {$34000.00} from me- please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.
Product: Mortgage

Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.