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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX MN XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following account was a Bankruptcy/Charge-off. XXXX should be {$0.00} XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. This is the wrong creditor for this item XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. This is the wrong creditor for this item XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report please remove the following addresses they are not mindsXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX.

My real address is XXXX XXXX XXXX, XXXX  OH XXXX.

My current employer is XXXX XXXX.

My Name is XXXX XXXX XXXX please remove any other variations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my account was closed by XXXX XXXX XXXX  with a balance of {$940.00}. On XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this closed account. They contacted me to collect the debt. I do not recall having any agreement with this company, and i attempted to dispute this matter with Eperian in XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated a balance transfer of XXXX to XXXX.with my American Express credit card. Since the payment didn't appear on my mortgage statement, I contacted American Express. American Express paid XXXX XXXX the XXXX.

American Express said they would investigate ( 3-6 weeks ). I demanded that the balance transfer be cancelled and my account cancelled. 

American Express refused to send me documentation of my demand and refused to cancel my account.
Product: Money transfer, virtual currency, or money service

Due to an encounter with a scammer, we attempted to recover a {$4900.00} wire sent on XX/XX/XXXX. The normal interbank recovery channels could not recover the wire, so I contacted the receiving bank, XXXX XXXX, for help. They advised that they needed a Hold Harmless Letter from our bank, Chase, to provide further help. 
I requested help obtaining this letter through phone calls, secure online messages, and in-person branch visits. I was directed by representatives by phone and secure message that any branch could help and we needed to talk to a banker. We did so, but every banker and supervisor was completely unaware of a Hold Harmless Letter. 
From my first visit, a banker promised to research the letter and get back to me, but I never received a follow-up communication of any sort. I went to the same branch a second time and spoke to a XXXX XXXX XXXX, a Vice President and Bank Manager of the Chase branch on Montana and XXXX in XXXX XXXX. However, XXXX XXXX was dismissive and rude to me, refusing to help in any way and walking away as I attempted to speak to him. 
I am utterly dismayed that all of Chase 's international infrastructure and reach is nullified by one particularly impolite, inconsiderate, and unhelpful representative that apparently is the only one who can help me obtain a specific type of letter. All of the other channels and departments, including the branch I visited, had little to no information on a Hold Harmless Letter, and none so far have been able to adequately help me. 
Though this letter may be uncommon, I expected a large and well-known bank such as Chase to be able to provide me with more help than referring me to other departments and finally to an essentially antagonistic and belligerent bank manager who simply refused to talk with me at all. I feel abused and scorned by the very bank representatives that I thought were supposed to help me in every way possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran the Equifax report on XX/XX/15 and came across another name " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX associated with my account, along with XXXX auto loans, XXXX from XXXX XXXX  XXXX XXXX. Already filed a police report, disputed the accounts, and contacted the banks. These charges are only reported through this credit reporting agency.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX  and my Proof of Address.
Product: Mortgage

My mom received, by mail, a Servicing Transfer Notice dated XX/XX/XXXX stating that XXXX loan was being moved to Select Portfolio Servicing, Inc. XXXX SPS ) on XX/XX/XXXX and that this transfer does not affect any of the terms of her thought to be 30-year mortgage loan. 




She later received a Notice of Maturity Date-Final Payment Due letter dated XX/XX/XXXX from Select Portfolio Servicing , Inc. Stating that if all due amounts on this account are not paid in full on or before the Maturity Date ( XX/XX/XXXX ), the property listed, XXXX XXXX XXXX XXXX XXXX NY XXXX, will be at risk of foreclosure. It was also stated that they will no longer accept monthly payments that are less than the full payoff amount on or after the Maturity Date. This is clearly a bait and switch tactic assuming that my mother who is elderly at XXXX XXXX XXXX would not review the fine print as they attempt to trick her out of her home. I was under the impression that XXXX was a reputable company and would assist but I am unclear who switched out the policy on my mother as they were never clear and transparent in their actions and never took the time to carefully explain anything to my mother which is unfair she is retired an would never be able to assume or pay the mortgage balance and given that fact should have never been unknowingly duped into this the terms of repayment were never explained to her limited understanding at her current capacity and was never agreed upon. I am hoping that someone can investigate this incident to ensure that other elderly citizens that we should be protecting aren't being stolen from for capital gain. 




My mother 's name, XXXX XXXX, her home was purchased on XX/XX/XXXX, XXXX she was unaware that this was a 15-year Balloon Disclosure, and i was unaware as well. I am not listed on any paperwork as authorized, but I now handle all mortgage business for my mother by phone after her verbal approval I wish I had noticed the game of three card monty the bank has been playing with my moms life sake, she has never refinanced or tried to sell she was just trying to live out her days in her actual home Un intruded I am hoping that someone there is able to help my mom from being thrown out on the street during Covid, she always pays her mortgage and planned to continue doing so until this sham took place. Please feel free to reach out to me for any more information I may be able to provide XXXX XXXX ( Daughter ) XXXX loan # XXXX
Product: Debt collection

XXXX is trying to collect a monthly payment. I had the pay in advance account and the account was paid up when I terminated our agreement on the last day before renewal was to happen.
Product: Debt collection

Global Collections Corporation - Claiming to be collection on behalf of XXXX. XXXX has not communicated with me - turned over to collections and I am now dealing with Global Collections Corporation. Refuses to send me information about their company. Has asked where I work, my other bills, and has asked me for my Social Security number. Threatened to sue me, repossess my car if I ca n't come up with a settlement payment. Not willing to work with me, and keeps asking for my bank account information along with my social security number. I am now afraid this is fraud, and my identity will be stolen. I am not sure what to do at this point. I am scared.
Product: Credit card

CITI UNLAWFULLY CLOSED MY CREDIT ACCOUNT. 

15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. 

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app bloc inc. due to inadequate customer service and unfair practices which violate the consumer financial protection act. specifically, cash app failed to take time 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 Eletronic funds transfer act. these actions have cause significant inconvenience and financial loss and I am seeking appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following account has violated my rights. 

Account Name Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I applied using a credit card, but more than 10 lenders appear to have checked my credit without authorization. I filed a complaint and they are asking for proof that I did not apply to those other lenders. What proof can I provide?
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 crime
s which antedates the report by more than seven years.

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

On this date XX/XX/2022 I received a court summons indicating midland funding 's, llc has filed a lawsuit against me. 

After looking at the complaint and the documents I see that the plaintiff is attempting to file a lawsuit against me for a debt that does not belong to me. They did not include copies of the signed credit application. 

I'm not sure what to do about this.
Product: Debt collection

These people have been calling several members of my church, ( not an employer ), asking to verify my social security number and other personal information for " an important business matter. '' They told XXXX church member that they needed my information because they intended to garnish my wages to collect a debt. Again, I receive no wages from my church. This seems like nothing more than a scam. Everyone is rather scared and confused, and I now get embarrassing calls from other people in my congregation trying to understand what is going on.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I attempted to log in to the TransUnion website to check my credit report and dispute a collections account. I had already done so successfully through XXXX. The TransUnion website was completely inaccessible and according to online comments has been for quite some time. Access to paid features was not affected, but access to the free credit report and dispute tool was completely blocked.
Product: Debt collection

To whom it may concern : This medical debt from Central Portfolio Control IncXXXX XXXX XXXX in the amount of XXXX account number ( XXXX ) does not belong to me. I am requesting it be removed from my credit report immediately.
Product: Student loan

When loans were presented by school I was told after twelve consecutive on time payments co- signer ( s ) would be released. All promissory notes were electronic. Now that I have met the requirements they are refusing to release co-signer ( s ) & doing a run around on information. Original promissory notes are no longer available.
Product: Mortgage

I have a 100 % flawless record with PHH, yet they have referred me to collections. Sent me a letter that they are attempting to collect on a debt, and will inform the credit agencies with a negative report. I called them twice and both times when I asked why they sent me to collections they hung up the phone. A third call asking to talk to a manager and they refused. 

Calling into their automated system confirms my account is up to date.
Product: Credit card or prepaid card

I was receiving unemployment through the Eppicard bc I didnt have a bank acct. I had {$470.00} on the card once my unemployment ended. The money stayed on the card and then unemployment announced they were no longer using eppi card and switching to Way2Go card services. So we either had to have our balances switched ( if still receiving unemployment ) since I want still receiving unemployment they told me to call to request a check be sent out of remaining balance. Which I did in XX/XX/2020. They were supposed to have sent it out by XX/XX/2020 I still hadnt received check so I reached back out. They said oh well resend never received again. So again I called and they said oh well its probably in unclaimed property. Called that office and theres nothing there. Again I called and no one seems to be able to help. They can see my balance but cant send a check. Ive had them send messages to supervisors talked to everyone and cant access my own money. I need help getting my funds to me and being able to use them
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THESE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me. please delete those errors immediately.
Product: Credit reporting or other personal consumer reports

I did not consent to nor receive any goods for these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 this account was on my credit report. I decided to dispute it. Nothing changed from it so I tried again and this time it said account closed. But still remains on my credit report. I want them to take this off my report and to not change wording around on my report. This company really hurt my credit. And want it taken care of.
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 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 XXXXXXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.