23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XXXX XXXX, I received XXXX XXXX XXXX XXXX American Express credit cards addressed to myself and for two other individuals that were supposed " employees '' of mine. Names on the cards are below. 
1. ) XXXX XXXX ( Myself - XXXX Business credit card ) 2. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ). I will supply one fraudulent credit card number for this report. XXXX 3. ) Not an employee : XXXX XXXX ( XXXX cards, XXXX Business credit card and a Business Prime card ) ) I contacted AMEX Customer Service on XX/XX/XXXX. I explained the applications for all of the cards sent to my business address were fraudulent. I requested the cards be canceled immediately. I was advised by the agent that all of the accounts/cards were canceled. I received a request from AMEX dated XX/XX/XXXX to complete an Identity Theft Declaration to be used during their " U.S. Fraud Department investigation, Ref # XXXX. '' The completed form requested detailed personal information and proof of my identity. I completed the questionnaire to the best of my ability. The notice from AMEX stated I would be advised in writing upon completion of the review. At the time I submitted the questionnaire to AMEX, I chose to utilize my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681sec 609 ( e ). I requested copies all of the pertinent business records as identified in 609. I received two ( 2 ) notices from AMEX one on XX/XX/XXXX and one on XX/XX/XXXX notifying me of the internal review ( s ) taking place regarding my reported issues ( as described by my letter dated XX/XX/XXXX. ) Ref # XXXX and XXXX. As of todays date, XX/XX/XXXX, I have not received any additional information regarding the AMEX investigation / review, nor have I received any correspondences regarding my request per the FCRA. 

The beginning, how it started : On XX/XX/XXXX, I received a letter from XXXX XXXX ( dated XX/XX/XXXX ) that alerted me to " unusual activity '' by an " unknown party accessed customer accounts, '' which includes My Business online account. Per the XXXX notification, detailed information obtained may include " name, telephone number, billing address, price plans, and other service-related information. '' On XXXX XXXX XXXX, I contacted my local law enforcement agency at XXXX XXXX MI XXXX XXXX XXXX XXXX Email : XXXX, Report number : XXXX. I also reported this issue with all of the credit reporting agencies to place a Fraud Alert on my account. I also contacted the Federal Trade Commission ( FTC ) # XXXX, # XXXX and the Social Security Administration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts and inquiries has violated my rights. 

DEPT OF EDUCATIONXXXX Educational -Account # XXXX DEPT OF EDUCATION/XXXX  Educational -Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  -Account # XXXX The inquiry was not authorized XXXX XXXX XXXXR The inquiry was not authorized XXXX  XXXX XXXX The inquiry was not authorized XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX The following personal information is incorrect Also Known XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX NJ XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX TX XXXX The following personal information is incorrect Employers : XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX  The inquiry was not authorized XXXX  The inquiry was not authorized XXXX The inquiry was not authorized XXXX/XXXX  The inquiry was not authorized XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX, XXXX XXXX 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: Credit reporting or other personal consumer reports

I checked my credit report this XXXX and there are some inquiries that I do not recognize. I don't have any knowledge regarding this so please remove it.
Product: Mortgage

On XX/XX/XXXX a Partial Claim note was signed by the sole mortgagor of our home. There was what I believe to be a breach in compliance of the Truth and Lending Act. I being added to the deed in XXXX of XXXX, although not added to the mortgage, am on the deed with right of survivorship. I was never notified that the Partial Claim in the amount of {$9000.00} was extended and encumbered by the property. I don't believe the bank did a title search to see there are 2 People on the Deed.
Product: Mortgage

I have tried to obtain mortgage statements and a payoff with the company. I am unable to get ahold of any representative. I question the legitimacy of this company. I have tried since XX/XX/XXXX and have not had any luck. I have called by phone, left voicemails that are unreturned, I am unable to get onto my account online. I have sent emails, and online inquiry request with no response. Just awful.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I requested {$6100.00} be transfered from my account with Gemini " earn '' account to my digital wallet in order to withdraw the sum completely out of Gemini. The original user agreement claims that my assets would be available withing 5 business days. It's been more than a month and my transfer has not been fulfilled. Gemini has since changed the user agreement and requested that its users accept the new agreement within 7 business days.
Product: Debt collection

On XXXX I was contacted by Caine and Weiner, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, also with an address of XXXX XXXX XXXX, XXXX XXXX, CA XXXX, sent me a notice that they are attempting to collect a debt on behalf of XXXX XXXX in the amount of {$420.00} with reference number XXXX. 

I wrote to them on XX/XX/XXXX and again on XX/XX/XXXX, requesting any viable evidence, bearing my signature, for the account they allege is mine. They responded to both requests, with only an amount that I supposedly owe to XXXX XXXX. 

They have reported this collection to the major credit bureaus, and it has affected my credit. I have given them ample time to respond with any evidence this account belongs to me, and they have failed to produce such evidence.
Product: Credit card or prepaid card

Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees. 

I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}. 

XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account. 

Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account. 

I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account. 

I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen. 

I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}
Product: Credit card or prepaid card

I have experienced recent fraudulent activity on all my accounts. During this time the city of XXXX, Ohio and surrounding cities experience a 15 tornado phenomenon that has left these places in devastation. As a result the credit union took emergency action to secure all of my accounts. One of the actions consists of a freeze. I was contacted by representative and I advised her what transpired. She continued to press for a date and time. I advised to thwart any additional fraudulent attempts this action would take some time. I advised I contacted all three major credit bureaus and my previous debit card/cards affected would be cancelled. I requested the late fees be removed. I was advised this could not take place, with no guarantees of course, until a payment has been made. Since then I have received numerous calls a day from multiple numbers. As a long standing consumer of over 10 years I find their actions uncalled for and appalling.
Product: Credit reporting, credit repair services, or other personal consumer reports

My n ame is XXXX XXXX, and you all have received the complaints that I had from all 3 credit bureaus, but the response I got was to send in my State I.D . and Social Security Number. I have already submitted those things, and each time they keep telling me to submit my credentials. I am not sending it in again. I have already sent it in, and they still will not give me my credit report so I can correct what is on there.
Product: Mortgage

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX : Qualified Written Request Pursuant to the Real Estate Settlement Procedures Act for Account Number xxxxxx To Whom It May Concern : I received notice that I have been approved for an assistance plan based on the COVID-19 pandemic. The plan states that I will be able to make partial payments during the forbearance period which runs from XX/XX/2020 through XX/XX/2020. However, I have made two payments and the payments have been returned. I am writing to request that my account allow partial payments during this time.

I have been provided with an amount that will be due in a lump sum once the forbearance period ends. However, I feel that it is in my best interest to make partial payments if I can. In the past two months I have made two payments toward my balance. Yet the payments have been returned. 

XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX  Debit - {$440.00} XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX Debit - {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX  Credit {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX   Credit {$440.00} Please write to me within 15 days to explain why my account will not accept partial payments at this time and if it will be possible to allow partial payments so that I can begin to pay down my balance so that I do not experience a balloon payment at the end of the term. 
Thank you so much for your attention to this matter. If you need to reach me, my number is xxxxxxxxx Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$850.00} XXXX XXXX {$800.00} XXXX XXXX {$460.00} XXXX XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in good standing with my credit card company XXXX XXXX XXXX and as of now am current with my payments. On XX/XX/2023, my credit dropped and noticed there was a collection account with consumer adj co for {$510.00} on my credit report for XXXX XXXX XXXX. I called my credit card company they said they never placed a collection on me because my account is in good standing. On XX/XX/XXXX I disputed with XXXX XXXX for fraud and they did nothing they finished investigating by XX/XX/XXXX and nothing was done. My credit rating has suffered due to unexplained and suspicious collection account which hurting my credit rating. I want this account removed since XXXX XXXX is not doing there job or even can not or don't know what is fraud. I can not find a phone number with the collection account consumer Adj co but only have this address Consumer ADJ Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX. 

Thank you, XXXX 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. 


XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


After reviewing my credit report recently on XX/XX/2024 I noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to XXXX XXXX XXXX they are suppose to 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: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX/AccountNumber : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

Recently reviewed my credit report an observed a collection account for the amount of {$200.00} from ERC in regards to a XXXX account. Contacted ERC and they stated that I owed a balance of {$200.00} for a past account. Informed ERC that I cancelled XXXX service in XXXX and ported my phone number to XXXX XXXX with my husband. My balance was paid in full and the last statement I from XXXX was a XXXX balance. 
Informed ERC that I am a current XXXX customer and began service with XXXX again in XXXX XXXX. My account is current a payment was submitted to XXXX on XXXX/XXXX/XXXX for the amount of {$180.00}. 
Also informed ERC that XXXX never sent a notice for payment of {$200.00}. Disputed the validity of the account with ERC and requested documentation of charges. ERC has failed to provide any documentation regarding account as of XXXX/XXXX/XXXX. 
I have contacted XXXX and they have no knowledge of a past due account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX  with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and COVID being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Product: Debt collection

I am disputing this collection account for several reasons. The original creditor was a school named Lincoln Technical Institute, which closed years ago for fraudulent accounts, predatorily financial aid tactics and student dissatisfaction. I was one of them and the school was located in XXXX XXXX, FL. I stated my concerns with the office managers XXXX XXXX and XXXX XXXX, who then dismissed me immediately from the program on XX/XX/2013. I was in between classes and financial aid was paying the tuition, so I gladly left. One month later, I received a {$1700.00} bill saying I owned them for dropping the program. They automatically put me on a {$200.00} a month repayment plan ( without my permission, no signed documents or even my knowledge ). I started getting calls and letters that this " loan '' is in default and it started reporting on all 3 credit bureaus. I have been disputing this for years now and even contacted the Florida Department of Education who stepped in and wrote Lincoln Technical letters on my behalf to drop this fraudulent charge of {$1700.00}. The school did drop the charge and THEN sold it to this debt collection agency named XXXX XXXX XXXX, who is now harassing me and reporting this " debt '' to all 3 credit bureaus. I need help with this as I am trying to buy a home and clear up my credit. These predatorily companies need to be held accountable for their fraudulent and shady money scheming tactics.
Product: Checking or savings account

I opened an account on XX/XX/XXXX and deposited roughly XXXX in my account of checks to set up all my account access. But when the debit card came I tried activating it they said I need to call to verify myself. so i called and they said they needed me to come in to a branch with documents and id. but i was out of country for a while so I couldn't make it to a branch so account stayed closed So when I came back to usa I went into the branch and was told that they shut the account after 30 days and they would try to get the account back open. we verified all my documents and all my ID that they needed, and I still haven't heard back and haven't gotten my XXXX dollars back and have no clue what to do from here