23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent accounts opened/collection accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as well as insurance that is being reported through XXXX XXXX XXXX  ( account XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Equifax credit report and found a charge-off on my report FOR utility service at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have never lived in XXXX XXXX XXXX XXXX I live in XXXX, Texas XXXX this much be identity theft or fraud. I have no business dealing with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 XX/XX/XXXX
Product: Checking or savings account

I opened an account with XXXX by Goldamn Sachs on XX/XX/XXXX. This account had a signup bonus of {$100.00} if I kept {$10000.00} in the account for 90 days from the date of deposit. I deposited the required funds on XX/XX/XXXX, realized I messed up on not activating the signup offer first and did a reversal on XX/XX/XXXX, activated the offer that same day, and re-deposited the {$10000.00} on XX/XX/XXXX. These funds havent been touched since. More than 90 days have passed and XXXX has not paid out the {$100.00} bonus that I shouldve been eligible for already. I contacted XXXX on XXXX and the agent I spoke to said she would open a case for me and it would take 3 business days to resolve. On XX/XX/XXXX I contacted XXXX over the phone for an update and they said that they removed the offer from my account in error and that with the case being open theres nothing they could do as there was no other update at that time. Ive contacted XXXX 2 more times since and I keep being given the constant run-around, agents regurgitating the same message that case is still being reviewed every time Ive contacted support since. A supervisor I spoke to last time said that the bonus would be credited manually but that there is no timetable for that. XXXX has failed to meet the terms of the signup offer for my XXXX savings account and at this point I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX I became aware of a significant security breach at Equifax. I checked the potential impact that my information was included in the breach at the https : //trustedidpremier.com/eligibility/eligibility.html site. It reported " Based on the information provided, we believe that your personal information may have been impacted by this incident. ". The site offered me enrollment in the TrustedID Premier credit monitoring service. I clicked the enroll button and was informed I can not enroll until XXXX/XXXX/XXXX. Due to this, I was forced to apply for a 90-day fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My efforts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me significant mental anguish and financial hardship. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from purchasing my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.
Product: Debt collection

Resurgent Debt Collection and XXXX XXXX credit card-is reporting the same debt that was filed in bankruptcy and it was discharged. They are reporting that the debt is owed. They are reporting the same amount as well as the original creditor on my credit report. I am getting hit with a double negative because both are reporting the same debt. 

When I disputed the debts on my credit reports, all have updated the information as correct when it is incorrect and not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agency XXXX XXXX XXXX XXXX XXXX firms XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has attempted to collect a debt and has listed said debt from XXXX refuse in the amount of XXXX $ with all 3 credit reporting agencies. Original date of debt/delinquency is over 9 years old and is being illegally re-aged. I have repeatedly written trans union and their investigation shows the report as accurate it may be accurate that the agency received the account in 2016 but the refuse to state the original date of debt so that it can be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with Equifax yet they are reporting.
Product: Checking or savings account

On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times.
Product: Credit card or prepaid card

I purchased a United airlines ticket. The ticket was on miles and I paid for the taxes and fees on my Chase credit card. The ticket was cancelled prior to departure date and United refunded the mileage but the charges for fees needed to go back to original card purchased. A Chase credit card that was no longer active at the time of refund. Chase refuses to acknowledge the refund or provide refund in a suitable manner ( e.g. check, prepaid card, or any option ). I have tried multiple times ( 5 to be exact ) on the phone and in writing to get this addressed. On XXXX XX/XX/XXXX I sent a certified letter and Chase has still not responded as of XXXX XX/XX/XXXX. 

Previously in writing, Chase declined to refund money due to me based on response dated XX/XX/XXXX, stating Chase no longer had this account in their system. The account was active for period of time and does not exclude me obtaining a refund even if the account has since been closed. I have proof of this account and provided to Chase, but they say they can not find the account since it is no longer active. Proof of the account was provided and I still have to show this was an account in my name. 

This last response from Chase was especially disappointing as it is outright fraudulent. I have provided proof that I had this credit card, in my name and the full credit card number in all correspondence. I tried getting this corrected the month after the airline ticket was properly cancelled. It has taken over 9 months of back and forth and now Chase taking no record for accounting is unacceptable. 

To state that Chase no longer has these records is a violation of FINRA and Sarbanes Oxley. Both regulations require Chase to keep records for at least seven years. To state you no longer have proof is someone being lazy and not wanting to do the right thing in accordance with compliance, regulations, and standard governance. 

Chase 's response is a clear violation of Federal requirement for financial institutions under which they are a part. Chase is required by Federal law to maintain copies of account records for up to seven years. All transactions and records of account are documented and have been provided each time. Please help me as this is poor business practice on Chase 's part.
Product: Debt collection

RE : Individual Account ending in # # XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Date Assigned : XX/XX/2020 Balance Date XX/XX/2020 Paid original amt. {$100.00} Identity theft/unauthorized account opening / Fraud. 

There was identity theft/unauthorized use concerning my personal credit account under collection. I do not have any account number ending in # # XXXX with XXXX XXXX XXXX ( XXXX ) account. I never received any outstanding bills from XXXX XXXX XXXX. XXXX XXXX XXXX has forwarded a collection to : Helvey & Associates, XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX ( Office : XXXX and email : XXXX ). Helvey & Associates has failed to send me any notification in writing to collect debt nor was I aware of such debt. Helvey & Associates has invertedly attached a collection to my credit report without my knowledge. The derogatory public collection is damaging to my credit report and has followed by credit score significantly. In addition, the debt has a zero balance and marked as paid. 
I have called and asked Helvey & Associates to delete this reported collection to both XXXX  and XXXX  but has refused to do so. I have contacted XXXX XXXX XXXX and they have stated a notice was given to remove any collection since this individual account was already paid. In addition, the account number associated with this collection did NOT match my account number, so I am assuming this is a fraudulent account that got filed under my credit report. 
I have asked XXXX  and XXXX to please Deleted this collection under my credit report. XXXX  and XXXX  have failed to Delete this collection notice in a timely manner. This is my filed complaint with the Consumer Financial Protection Bureau and State Attorney General office. Please send me a letter or email confirmation action on deletion per requirement. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

<br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br> These inquires need to be deleted from my credit reports as soon as possible
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Student loan

I have called American Education Services ( AES ) 3 times over a period of time since XX/XX/XXXX through XX/XX/XXXX. 
I had been told during the first two phone calls that I didnt have federal student loans and I couldnt receive covid student loan relief during the time period when Covid allowed suspension of fed loan repayments. 
During XX/XX/XXXX, I read into the details of my loans and how to tell if they were federal student loans, which I confirmed is what I do hold. 
I spoke with a representative this morning, XX/XX/XXXX around XXXX XXXX  and she confirmed that I had federal student loans but that AES was a third party and some loans AES hold are not eligible for student debt relief because theyre not considered/treated a federal loan anymore. I responded how is that fair. I take out and sign a contract to repay a Fed loan and its not my fault they were sold to AES. I didnt agree to those terms and I dont believe that can be correct or legal. So, Im requesting a review of this policy. Can you please clarify the accuracy of this information? Thank you.
Product: Debt collection

I have 2 medical Bills from end of 2019. I have had full Medical insurance since XX/XX/2019. I was not made aware of these charges from my insurance carriers. This is covered by my in network insurance. XXXX XXXX XXXX XXXX. If money is owed I pay my insurance. They pay amount based on my insurance. Which makes me believe that the medical professionals didnt submit proper paperwork to my insurance. They need to remove and contact my provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$89.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$89.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$51.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I attempted to access my TD Bank checking account with {$1200.00} using my debit card at two separate financial institutions and the transaction was cancelled without explanation. I received a voicemail message to call the Fraud Toll Free No. XXXX and was advised that they could not assist by phone, that I had to call customer service, or send a secure message behind their secure web app. After calling customer service XXXX I was advised that no one could assist - I was locked out of their customer support 0 and I was directed to go into a branch. The nearest branch is 20 miles and not open beyond my core work hours XXXX. I have been limited access for no apparent reason to my resources and the financial institution has not provided an adequate explanation or support to enable me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score XXXX stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Equifax : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

EXPERIAN HA FAILED TO FULFILL IT'S LEGAL OBLIGATION UNDER THE FAIR CREDIT ACT TO CONDUCT A REASONABLE REINVESTIGATION OF MY DISPUTED INFOMATION ON MY CREDIT REPOERT, LEAVING INACCURATE OR UNVERIFIABLE ACCOUNTS UNRESOLVED. THE CFPB HAS RECENTLY FILED A LAWSUIT AGAINST EXPERIAN, ALLEGING SYSTEMIC ISSUES SUCH AS FAILING TO FORWARD CONSUMER-PROVIDED EVIDENCE TO FURNISHERS. PLEASE SEE ATTACHMENT BELOW WITH THE ACCOUNTS AND DELETE AND BLOCK FROM MY CREDIT WITH THE INQUIRIES.
Product: Debt collection

Received multiple letters & phone calls from Creditors Service Bureau regarding accounts belonging to myself & my wife. Have asked repeated times for verification of debt, asked for debt to be removed due to no debt verification, no recollection of debt etc.
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to a accurate a correct credit report I have no knowledge of any of the opened accounts listed below nor did I authorize anyone to open any of the accounts in my name mail and info of mine has been stolen and used by others for monetary gain I have notified and filed police report and FTC IDENTITY THEFT REPORT also obtained a Lawyer PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was made aware, that once again, XXXX XXXX company has placed a bill in my name in collections for {$300.00}. This time it is with the Receivable Management Company. 
This is not my first experience with XXXX. In the past, they placed bills with agencies, I'd fight and dispute, win, then after awhile they just place it with someone else. It's already been determined that I do not owe them, as I won previous complaints because they keep trying to bill for services that hadn't yet been rendered.