23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Credit card or prepaid card

I have a Cabela 's Club credit card which I have had for approximately 15 years ( maybe longer -- I don't recall exactly ). Until recently, this credit card was a Visa card. I have never had a problem with Visa in all of those years. Note also that my credit rating was over 800 last time I checked. Anyway, Cabela ' recently changed the Cabela 's Club credit card to a Master Card serviced by Capital One. 

On XXXX ( or possibly a day later ), using the Capital One pre-printed supplied envelope, I sent in a payment of {$400.00} using a money order. 

Capital One claims they never received this payment. However, the money order was stolen, altered, and then cashed by someone else. I have a copy of the cashed money order sent to me by XXXX. It even still has the last 4 digits of my credit card number on it written over with a signature. The rest of the information on the money order looks to have been " whited out '' and written over. 

I find it hard to believe that a USPS postal worker randomly stole the envelope I sent through the USPS with this payment, opened it, took the money order, altered it, and cashed it. Note that I took the envelope to the post office to mail it. I did not send it from my home mailbox. 

I believe the payment arrived at the Capital One payment processing office, it was stolen by someone there, and then cashed.
Product: Debt collection

In XXXX of XXXX I send a check to citizens bank to pay off a debt/collection. The check was over the amount that was due to put my account in good standing. Since then Ive contacted Citizens Bank on multiple occasions regarding this matter and they have repeatedly told me that the check is in the mail it is now XX/XX/XXXX and I have still not received my refund of {$800.00}. If you contact citizen bank collection department they will have a record of all the phone calls Ive placed to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I am submitting you this CFPB Complaint today because a lot of fraudulent infomartion are ind reported on my Credit File. Under the Fair Credit Reporting Act section 605b, I am asking you to please remove the disputed accounts and information off of my Credit File. I did not authorized any of these accounts. Also, some of these accounts were not being reported on the initial report I used to submit my first complaint. In accordance with the Fair Credit Reporting Act section 605b, I am demanding you to please remove the following accounts and information off of my Credit File as soon as possible : 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  : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you truly believe that the disputed items belong to me, I require you to please send me copies of documents supporting such claims. If you are not able to present me any documents, I prefer you to please remove the disputed items off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

For the past XXXX weeks I have contacted the credit bureaus. They updated my new balance, but then reduced the credit limit amount. This is inaccurate as the credit limit actually increased right after I paid it down. So they obviously knew this as they reduced the limit after they saw the payment lowered. They even increased it and then lowered it. I even sent a screenshot showing the updated credit limit. I'm getting a car soon and this inaccurate info will influence how much I pay! I could understand if it was an actual mistake but when I contacted them they keep denying it. It's inaccurate and they should fix it.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I noticed a delinquent account. Not sure if it is a loan or credit card that has been opened and reported XXXX XXXX. However I do not recognize this account and most definitely did not open anything through my XXXX XXXX bank account ever. It is apparently a result of identity theft which I took the liberty of looking into attempting to contact my bank and my account had been closed as if it never existed as well as my job deposits at that time used towards this opened third party account I had not opened. Please delete immediately.
Product: Credit reporting or other personal consumer reports

Remove inaccurate mailing address! 15 USC 1681a D stats : automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a XXXX  basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies and 15 u.s.c section 604 A section 2 : states consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have exact dates but multiple times I have received offers from Experian saying that they have found credit cards that I qualify for. At least twice I have applied for such cards just to be told that I do not qualify for them. Each time I do so it generates a report which likely affects me negatively. They need to stop doing this to people giving false hope and causing 'credit report inquiries ' to appear on my record. I selected this company to help me monitor my credit...... Not ruin it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.
Product: Debt collection

I applied for a loan from XXXX different banks and found out that there was a charge off to my credit from Enhanced Recovery Co. XXXX , XXXX in the amount of {$93.00}. They were the XXXX co. that was hired by XXXX to collect a balance of a bill that I do not owe. I applied to XXXX XXXX on XXXX/XXXX/XXXX, to XXXX XXXX XXXX on XXXX/XXXX/XXXX, and to XXXX XXXX XXXX XXXX/XXXX/XXXX. The first XXXX were unsecured loans, with a 7 % interest rate as long as I scored a XXXX or better. The latter was a HELOC with an interest rate of 4.5 %. My credit score came in at XXXX and all XXXX said this charge off hurt my score. XXXX went to 8.9 %, and XXXX XXXX went to 9.4 % from 7 % specifically because of that charge off. XXXX XXXX XXXX denied my loan all together, sighting too many inquiries, most recent account opening too short, amount owed on revolving accounts is too high ( I 'm building XXXX homes and I use my cards as much as I can to finance construction till I can take draws ), and the charge off from Enhanced Recovery Co. On XXXX/XXXX/XXXX I returned to XXXX all their equipment in person to one of their centers. I handed XXXX in XXXX XXXX, XXXX a hand written letter and I verbally told her I wanted my service terminated as of that very moment. She took my equipment, handed me a receipt, and said it was done. I was under NO contract obligation. On XXXX/XXXX/XXXX, I get a bill in the amount of {$450.00}. I call right away ( I have all the dates names and times ) and dispute the fact that my service was to have been shut off. On XXXX/XXXX/XXXX, I get bill in the amount of {$650.00}. I finally got to speak to XXXX on XXXX/XXXX/XXXX who understood what was happening. His reason for the XXXX was that I still was using my comcast.net e-mail account and that was why I was being billed. I have XXXX other XXXX accounts that are still active today and were at that same time. My email is linked to XXXX of those accounts. I went back to the XXXX/XXXX/XXXX bill with the amount being {$250.00}. XXXX bills for next months services the prior month. I made a work sheet based on their billing on what I used up to XXXX/XXXX/XXXX. I added for taxes and all the other fees and I came up with {$150.00}. I sent them a check, and the next month I got a bill from them for {$92.00}. I refuse to pay for services I did not receive, including rental for equipment that I had previously returned. XXXX sent this to XXXX prior collection agencies, I spoke to them on the phone, and I mailed them copies of all my documents. I thought this was over with, and in XXXX of XXXX, I get another collection letter from Enhanced Recovery Co. I copy the same documents and send them to them. Evidently they discarded my documents and decided to put this mark against me on my credit report. Let me mind you I am XXXX yrs old and I have never mad a late payment to any one in my life. I sent them an e-mail over a month ago and followed up with a phone call and was told to wait XXXX days. It 's been XXXX weeks and it is still there.
Product: Credit reporting or other personal consumer reports

The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting EquiFax & XXXX to correct the status : EquiFax reporting incorrect information XXXX Dealer Services Acct # XXXX XXXX reporting incorrect information ( 30 Days Late ) 1XXXX XXXX XXXX Services Acct # XXXX XXXX XXXX XXXX Mortgage ( 120+ Days Late ) Acct # XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX of the XXXX family a U.S. National of the united states of America , non- resident, non-citizen national. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX of the XXXX family. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.
Product: Student loan

I had student loans with Sallie Mae since XX/XX/1998 which I kept deferring or forebearance. 
In XX/XX/XXXX I got harassing calls from XXXX XXXX XXXX   that I was in default. I agreed to make income based payment arrangement but for some reason they added {$22000.00} in late fees. My student loan was {$42000.00} but with the ridiculous fees added they said my loan was now {$64000.00}. I did not agree to those illegal fees so I did not agree to their repayment plan unless they remove those fraudulent fees. Next thing I know, I got letter about garnishment.i submitted my docs that I support 5 people and struggling but it did not matter. They filed for garnishment in a court in Missouri i believe and they have been garnishing my wages since XX/XX/XXXX. 
I need help. They also take my tax returns each year. I will agree to repayment plan on correct loan amount once garnishment is removed. {$22000.00} in late fees. That is simply absurd and criminal. 
Please can you help me fight them. 

Thank you
Product: Debt collection

I received a letter from Online Info Services stating I owe an alleged debt via XXXX. I sent OIS a letter asking for validation of debt. I have not received any validation of debt from OIS and they proceeded to place the debt to my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am the consumer and XXXX, XXXX, and XXXX are the consumer reporting agencies. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Veros Credit ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Veros Credit never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.Veros Credit is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report shows several fraudulent inquiries for my credit information, from companies from whom I did not request credit. My credit report also shows false addresses and phone numbers. I have called TransUnion to report this and they say that they will not remove the fraudulent inquiries unless I call each financial institution and have them give me proof that the inquiry was false. 

This is a ridiculous process that will take me a lot of time, but I did try it. 

However, the information for one of the financial institutions that made a credit inquiry is inaccurate. It is for XXXX XXXX, but neither the address nor the phone number is correct. TransUnion lists them at XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX. But when I call, the number is not XXXX. And XXXX maps does not have anything for that address. 

What am I supposed to do about this? I am furious that TransUnion is so unhelpful. XXXX  took the credit inquiry off of my credit report based on my complaint.
Product: Mortgage

XX/XX/XXXX submitted an online request for hardship with PHH Home Mortgage Services. 
XX/XX/XXXX rec 'd agreement stating the terms of temporary hardship Agreement stated an effective date of XXXX XX/XX/XXXX and three ( 3 ) payments will be deferred. Which should be XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However next payment would be due on XX/XX/XXXX in the amount of {$5200.00}. 

Based on the above and the matter in which the document was prepared this does not constitute three ( 3 ) payments deferred. This is deceptive and bad business practice. Call and spoke with the following on XXXX XX/XX/XXXX at XXXX. 

XXXX - Agent ID XXXX transferred to XXXX customer resolution and spoke with : XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX XXXX - Agent ID - XXXX Escalation Mgr XXXX - Agent ID XXXX All of which demonstrated a no challenge attitude and extremely poor customer service. None of which understood my concern, continually stated that there was no error, and that they were unable to make any updates. Furthermore, total payment in the amount of {$5200.00} due XXXX XX/XX/XXXX and if unable to make the full payment the investor has the option to decline any payments less than total amount due and could begin foreclosure. 

I requested that this agreement be cancelled. I was then informed that if I cancelled this agreement and resubmitted it would not be approved. In addition, it will take one to two weeks to cancel and I needed to wait before resubmitting.
Product: Credit card or prepaid card

3 store credit cards Ikea, XXXX, XXXX All taken out in my name. One has a balance of XXXX. That is the only balance I know of right now. All 3 are financed by comenity. Charges were from Kentucky.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the XXXX to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the XXXX I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Product: Checking or savings account

I haven't used Bank of the West in months and they've slowed drained my entire account. They've assessed {$100.00} in fees. {$70.00} in " service '' fees and {$30.00} in anonymous fees. When I contacted them to reverse the charge and close the account they said they can't close the account with a negative balance but offered to give {$30.00} back, however that very day they applied the {$30.00} credit, they added a {$30.00} uncategorized fee to my account to net out to zero assistance and zero ability to close the account. I do not intend to pay the negative balance as I am contesting the fees yet as I do so they continue to assess fees to the account. I just want them to close the XXXX account and give me back the original {$50.00} they had in there when they started preying upon dormant accounts without notice. This is a ridiculous time for a bank to be preying upon customers.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that Experian will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Contacted Fay Servicing in XXXX in an attempt to explore foreclosure alternatives. As of XX/XX/XXXX we had a short sale offer signed on the property and as of today they still have not approved or submitted our offer to the investor. They failed to hold foreclosure proceedings as we waited for them to submit the offer. All documentation requested has been provided day of. We have requested several times to postpone the sale due to another family attempting to buy the home and the services has been less than cooperative with us. As of today the foreclosure sale is set for next week with a full short sale package in their hands.
Product: Credit card

XX/XX/24 a credit card with Bank of America was applied for using my information. I did not receive notification until XX/XX/24 because of the incorrect address used. I noticed the inquiry on my XXXX credit report then immediately reported it with the bureau and Bank of America +