23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX. XXXX TX. XXXX, Cell # ( XXXX ) XXXX. I would like to submit a formal complaint against Amsher Collection Services, XXXX XXXX XXXX XXXX XXXX, XXXX AL. XXXX Ph # ( XXXX ) XXXX. I am currently going thru the process of purchasing a home and had my credit pulled, when that was done I found out that I had an old debt of {$66.00} with XXXX which was in collection with Amsher. I never received any calls or letters from this company about this debt so I was never made aware of it until now. I called the debt collector to pay my debt in full, when I spoke with them they had agreed to remove the debt from my credit report if I paid it in full which I happily did. Two months have passed by and the debt shows that it was paid but was never removed from my credit report, I tried numerous attempts to call and ask that they hold up their end of our agreement but every time I get someone on the phone and they realize I am not calling to pay a debt they rudely hang up on me. Now that I have paid them they want nothing to do with me and without them removing the debt from my credit report it has actually hurt my credit. I really wish I was smarter and had some type of agreement letter before paying these devious people who agreed to help me if I gave them the money they asked for. I believe this was a deceptive act to collect money from me for a debt I never knew existed. I would appreciate any help you can provide me in holding Amsher Collection Services accountable for their actions. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge card with XXXX Department Store. I check my credit weekly, because it's important to me. I checked today and XXXX XXXX department store charge card reported that I was late. They reported it to transunion on XX/XX/2020 and XXXX  on XX/XX/2020. I haven't checked XXXX. When I reached out to them today they advised me I was late XX/XX/2020. I paid my account balance off of, {$77.00} today before I knew they reported me. I NEVER received a statement. I NEVER received a phone call. Because if I did I would have paid it in full. During this Pandemic my mind was more concerned about where I'm getting my next pay check to feed my family. Like most Americans I'm scared to death and my XXXX account of {$77.00} missed my mind to pay it on XX/XX/2020 to avoid a credit report. This is the biggest health care crisis and this is what XXXX XXXX department stores does to help it's customers during this!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is reporting inaccurate personal information on my credit report, inaccurate addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

This company have 2 late payments on my report which is affecting my ability to do business! I have mailed them a letter and I still haven't gotten a response. I need these late payments removed immediately!!
Product: Credit reporting or other personal consumer reports

The company is reporting information without my consent. According to FCRA section 605B it is illegal to report information on my credit report without my permission please remove the following items. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and XXXX my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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

I received a private student loan from XXXX, serviced by Firstmark Services in 2018. There was an error in the loan interest rate percentage, so Firstmark closed that first loan and opened a new one with the correct interest rate. This caused a duplicate to appear on my credit report. I contacted all the bureaus in order to fix this duplicate. Both XXXX  and XXXX  marked the account as closed ( I believe it should have been removed because it is a non-existent loan at that point, but that's less relevant at this moment ). XXXX, however, refuses to remove this duplicate account after their investigation and did not allow me to submit a reinvestigation. Recently, I refinanced my loan and submitted a reinvestigation request to Experian, which was accepted. However, their results came back as the same. This is undoubtedly false now, as the account is now closed with 0 balance on it, and yet XXXX   is still claiming that there exists a balance of a little over {$43000.00}.
Product: Credit reporting or other personal consumer reports

My account got taken over few months ago and XXXX refused to revive my old account and there were many fradulent transactions over the time. 

As of today I do not have anyway to see my transactionXXXX and XXXX has not given me any transfer or the credit card or let me see my older transactions. They have been reporting late payments to credit beaureu. 

I would like my account transfered back to me or close it perpetually. I do not receive any alerts and its hard for me to actually work on this account. The only way right now to know my account balance is to go thru their phone which will not connect. 

Most recently I paid of my full amount on the credit card but they reported a late payment. I did not even get a courtesy call in this regard. I would like my credit report to be collected as am trying to buy a home.
Product: Checking or savings account

On XX/XX/2023 BMO HARRIS treated me like I didn't own my own account even though I passed the verification questions. I called days before and never had to deal with getting my money from my own account that they plan on closing anyway. They re making me print out papers, getting the papers notarized just to prove ots my account. They won't let me access my own money. The are keeping me from withdrawing my money from my account by using the excuse that I'm not verified even though I verified myself by entering my social and phone code along wit answering 3 questions
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Lexington law ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Lexington law failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations and I wan na full refund
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX due to their inaccurate and misleading data reporting on my credit reports and failing to remove this information despite me showing proof that this data is misleading and inaccurate when XXXX XXXX XXXX XXXX ( XXXX ) failed to provide proof that this alleged debt is even mine or that XXXX legally owns this debt. Equifax and XXXX did not conduct a true investigation and simply said this item is verified with no proof that is is verified. 

On XXXX I received an email from XXXX stating that a collection would soon be reported to the credit bureaus due to failure to make arrangements with the debt. I was never notified of this alleged debt and was simply told this would soon report on my credit reports. XXXX did not notify me of this alleged debt prior to this notification. 
On XX/XX/year>, I sent a letter to XXXX in XXXX, GA requesting validation of this alleged debt in the form of the Original Purchase Agreement which and shows that XXXX legally owns this alleged debt. 
XXXX failed to respond or provide proof of my request to validate this alleged debt and after this 30 days, I then contacted XXXX, XXXX and Equifax by mail on or around XX/XX/year> to initiate a dispute due to the debt collector failing to provide proof that this alleged debt is even mine. I mailed the letter I sent to XXXX to all three bureaus to provide proof that I followed the process of validating the debt. 

Due to XXXX failing to provide proof that this alleged debt is mine, the data on my credit reports is now misleading and inaccurate. XXXX deleted the collection from my reports. However, Equifax and XXXX did not delete this information off my credit reports despite me showing proof that it is clearly misleading and inaccurate. They simply said it was verified and accurate. 
How is it verified when the debt collector failed to provide me legal proof of this alleged debt and that its even mine? 

I have contacted Equifax and XXXX multiple times to get this information removed and they refuse to comply, failing to show me any evidence of a true investigation.
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, I have been unable to withdraw or sends the funds which I have on Robinhood. They have restricted my account, requesting that I submit bank documents and ID. I did both of these things over XXXX week ago. They have no agent that has gotten in contact with me to update me on this situation, and they have said they called me when my phone has no history of this. I have reached out to Robinhood numerous times now and they are ignoring me. My money is completely locked. They say that I am in line for a call back, but nothing has happened.
Product: Credit reporting or other personal consumer reports

This complaint to TRANSUNION alleges violations of the Fair Credit Reporting Act ( FCRA ) due to the presence of inaccurate information and fraudulent accounts on my credit report. Upon reviewing my recent credit report, it has come to my attention that erroneous data and fraudulent accounts are being reported, yet TRANSUNION has failed to take any corrective actions. By allowing this inaccurate and fraudulent information to persist on my credit report, TRANSUNION may be in violation of the FCRA 's provisions regarding the accuracy and integrity of consumer credit information. Additionally, I have taken the necessary step of filing a report with the Federal Trade Commission ( FTC ) to address these violations, providing documentation with report number XXXX. This action is in line with the FCRA 's requirement for consumers to report any suspected violations to the FTC, which oversees compliance with the FCRA and ensures appropriate enforcement measures are taken. In summary, the presence of inaccurate information and fraudulent accounts on my credit report, coupled with TRANSUNION 's failure to take corrective actions, constitutes potential violations of the FCRA. By filing a report with the FTC, I am seeking resolution of these violations and enforcement of my rights under the FCRA to ensure the accuracy and fairness of my credit information.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity Theft, which fraudulent activity has been reporting to my TransUnion Credit File/Report. I have filed an FTC and Affidavit and have my Police Report to remove these fraudulent items from my credit report. In addition, I have overnighted the same information, which takes a long time for someone to get my complaint and process it, which I am filing this complaint. Also, TransUnion is violating HJR 192 of 1933, 15 U.S.C. 1681b, and 18 U.S.C. 1028A, which my next steps is to seek litigation of damages of {$1000.00} per occurrence. There is XXXX fraudulent account and XXXX fraudulent Inquiries on my credit report, which needs to be removed effectively immediately. I am filing this complaint because TransUnion is always receiving and processing my paperwork late or not even processing it at all and is always an issues relating to removing items via certified mail, which I heard people in similar situations saying the same thing. Therefore, I am submitting a complaint and asking TransUnion to remove all fraudulent items from my credit file, based on my documentation uploaded through CFPB. The fraudulent account is : XXXX XXXX XXXXXXXX XXXX- Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Date Opened : XX/XX/XXXX. XXXX Fraudulent Inquiries, which Include : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card

I advise HSBC XXXX that my credit/identity had been taken and noticed unauthorized charges on my card. They said I would not be held responsible, but I just received a statement with a balance of {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major agencies Equifax, XXXX, and XXXX have added incorrect items to my credit report. I have been a victim of several breaches such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, just to name a few. 
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 following inquiries shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the following address shall be removed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BSI Financial is the service company for my mortgage ; it was sold by XXXX to XXXX XXXX because I was XXXX and needed a modification. XXXX sold it to BSI Financial. After BSI did the modification they said I had no esgrow and I needed to pay extra to build it up ; which a did for a year and a half to put extra into my esgrow. one year later BSI is saying I have no esgrow again. I asked them how is that possible and where is the extra I paid already. They told me basically because they said so ... I asked for a detailed report showing me what was going on with my esgrow. They sent me a incomplete print out which showed some other errors. I asked my bank if the would help me since they are always offering financial planning services ; which they did. They saw that the mod looks like I was charged extra. there was no credits listed for my homeowners rebate. They felt that it proves that they never put the extra I paid into the esgrow account. At the end of this it says my budget is off by {$2.00} and they said it does n't warrant asking for {$1500.00}. and the original bill asking for esgrow shows that the planed and actual that the extra I paid was never added to the account also. I have spoken with BSI Financial 4 times about these errors and asked for a aduit of my account and a detailed report showing everything in order to correct these errors. It appears that they are n't taking this seriously. Please intervene to help get this matter fixed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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: Mortgage

There are several issues - sorry if confusing. Wells Fargo and their attorney for the foreclosure have refused to speak to me. 1. I was on moratorium, then the moratorium was cancelled without notification. 2. After moratorium, I was on forebareance and trial loan modification period with payments of XXXX a month. They refused to take my payment several months in and cancelled my trial period, instantly leaving me 12 months behind on payments. I have since been denied loan modifications even though they had received the paperwork and confirmed it, the denied it. 3. The main issue is I received a loan modification several years ago, which Wells Fargo refuses to provide any information on. This modification EXTENDED my mortgage to 40 years. I DID NOT AGREE TO THIS OR SIGN OFF ON THIS. I did n't realize this had happen until I had read about it happening to others. The terms I agreed to are not the terms I have. I want to keep this condo, but am afraid of losing it to foreclosure and I have no one that can help me. I can not afford an attorney and they will not communicate with me at all. I have called their attorney 18 times to no avail. This is down right fraud and they need to be punished for this unacceptable behavior. It should be criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Product: Mortgage

I am a XXXX XXXX who was injured while working on the job. Upon my injury on XX/XX/XXXX, I have suffered financial hardships. I am a single father of XXXX children and I have been unemployed, had a reduction in income, due to my injury and illness. I had to file a Chapter XXXX Bankruptcy on last XX/XX/XXXX. Recently, however, I voluntarily dismissed the Bankruptcy because my circumstances became better. When the bank/lender ( Bayview Mortgage ) discovered that I was no longer protected by the Chapter XXXX Bankruptcy, they immediately filed to have a foreclosure/auction date for XX/XX/XXXX. 

Although, I am very hopeful that Bayview Mortgage will work with me on a loan modification so my children and I can stay in our home. A few years ago, they gave me a loan modification, but I lost my job, after I was approved. 

Thank you for assisting me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report : XXXX, Account number : XXXX XXXX XXXX XXXX  AWD. The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!
Product: Other financial service

Received a letter in mail written XXXX XXXX received Citizens XXXX XXXX stating the citizens bank is going to cancel my account as of XXXX XXXX. No reasoning found never bounced a check. Only reason on letter is because they can. Contacted via phone said go branch. I went to XXXX branches did n't know why. I put in XXXX too really disappointed them. After that XXXX said they could can cancel acounts No warnings. Still why she will try to reinstate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original bill from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Bill sent to collection company Delivery Financial ServXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I had my XXXX XXXX I have XXXX XXXX XXXX XXXX ( XXXX Plan ) medical insurance with no co-pay/deductible as I am XXXX, XXXX  and only receive Social security income. XXXX XXXX is an in network doctor. They did about 5 incremental XXXX XXXX XXXX XXXX XXXX XXXX with over XXXX bills for numerous follow up visits for XXXX XXXX over several years. XXXX XXXX did not send two bills to me nor my insurance and thus were not paid. I just found about these bill when I pulled my credit report and saw that they were sent to Delivery Financial Serv collection company. I wanted to send the bill to my insurance. XXXX XXXX says they do not have open bills for me. Delivery Financial Serv says they do not have the original bill to provide me and that I will have to get it from XXXX XXXX. I am just getting the run around. I have TONS of paid bills from XXXX XXXX. If they had sent this bill it would have been paid. I called XXXX and they trippled checked my bills- the charge was never received. No one can provide with a bill to send to my insurance. I expect now it will be too late to even bill my insurance. LASTLY, the 2 bills should be removed from my credit report until I at least get a bill and possible until the matter is resolved.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has significantly impacted my life, causing considerable stress and XXXX. It is important to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.