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

I initiated contact with Experian through their online dispute database. I listed accounts, addresses, name variations, as well as two SSN 'S on my report that are not mine. This accounts were verified. So I called and spoke to a representative who said these accounts were verified and updated using an electronic method. Also stating that no physical verification or validation was needed, and that I would have to file a id theft report, police report and to contact CFPB. I will include my credit report and ID Theft report in this complaint.
Product: Checking or savings account

Once again, Citizens Bank uses creative accounting, by changing the order of transactions. From being overdrawn by one transaction to 5 and charging {$35.00} for each one. When I made a deposit to cover the one overdraft, another check came in, which bounced. now there are 6 overdraft charges. The last check they bounced was for my certification to XXXX in New Hampshire allowing me to go back to work, which now I will not be able to. The next group of charges will be for {$30.00} each and every day I am overdrawn, taking up all possibility of making ends meet, or replacing the check made out to the New Hampshire Treasury.
Product: Credit reporting or other personal consumer reports

Did not do an investigation at all. My social security number was breached all the negative items need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, and etc? A account can only be charged off one time. This is clearly a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I was a victim of identity theft. I never opened the XXXX XXXX XXXXXXXX card listed on my credit reports I am not requesting a fraud alert be placed on any of my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I ask for validation documentation from United Revenue Services. A bill is not validation. Id like to see original documentation with my signature. I am allowed under the HIPPA Act to protect my privacy and medical records from third parties .I asked for the following for account # XXXX,XXXX,XXXX. To provide breakdown of fees including any collection cost and medical charges. Provide a copy of my signature with the provider of service to release my medical information to them. I asked for medical consent.
Product: Student loan

Back in XXXX XXXX  requested to assign my loan into a Save payment plan to lower monthly payment. Rep assured me my request was processed, but received a bill of {$1600.00} instead. Customer service never picked up the phone after. Complained by mail instead in XXXX and only received an answer in XXXX telling me to pay {$1.00} again ( had already done it in XXXX ) I had to switch to a private lender due to Edfinancial inability to process my request and purposely delay it. 
Complained with the department of education and they sent an email back in XXXX acknowledging the companys mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. and It is not permissible to fail to validate these reporting accounts as unverified information. please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXXXXXX Balance : {$910.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

claims of debt from a credit card in XX/XX/2012 owed, however I have a current account with them now that is in good standing. Must be a mistake or fraud and company will not take off my credit report for all these years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my local police department to file a claim for a identity theft report but the officers were unable to assist because i didnt know who was responsible for stealing my identity. 

Listed accounts were removed but the credit bureaus put them back on my profile after 90 days. 


XXXX XXXX XXXX  XXXX  XXXX XXXX Both accounts were removed and after 90 days placed back on my credit profile. 
Under the FCRA they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes to Equifax regarding a tax lien filed in XX/XX/XXXX. I checked with the clerk of Court whom stated to me that they do not verify ANY sort of information or report information to the credit bureaus. I was also educated about the new law that took effect XX/XX/XXXX. The tax lien reporting on my credit does not list any identifying information such as my DOB, and social security number. Equifax has failed to follow this new law and this lien should have been deleted from my credit report following the first dispute.
XXXX and XXXX have deleted the lien, but Equifax has not.
My name is XXXX XXXX.
DOB XX/XX/XXXX SSN XXXX Tax Lien Reference # XXXX.
Your assistance with this issue will be greatly appreciated.
Thank You.
Product: Checking or savings account

I recently received a check from Wells Fargo apologizing for wrongdoings for XXXX ( XXXX ). This is off to me considering if they did any wrong doing then why did they take all my account funds from me and not return all just {$150.00}. They suspected a fraudulent transaction and seized all funds in account over ( 1000 ) and made another XXXX deposit the day before! I cant seem to get any explanation from anyone at all. Please help
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the documents needed and a letter from an advocacy under the provisions of the fair credit reporting act ( FCRA ) 15 usc 1681 and the fair act debt collection practices act ( FDCPA ) 15 usc 1692 I am writing this letter to XXXX  account number XXXX balance in the amount of XXXX open XX/XX/year> I never had this debt collector for any debt, please provide proof from the original creditor that this debt collector that debt collector owns this debt and has the legal authority to collect it or delete this account has soon has possible
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 Section 602 states, I have the right to privacy.

15USC 1681 Section 604 ( a ) Section 2 states : A consumer reporting agency can not furnish an account without my written instructions. 

15USC 1666 ( b ) : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX regarding inaccurate items on my credit report. To this day over 60 days later I have not received a response yet. I haven't received a response from Equifax in over a month after asking for additional information supporting their investigation I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately. I insist these accounts be deleted immediately or I will file for litigation due to the unnecessary stress you caused me. My information was also impacted by several data breaches including the XXXX and Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.
Product: Payday loan, title loan, personal loan, or advance loan

This company is a predatory lender. Attempted to pay this off within the 90 day window and mysteriously this company would not charge one or more of the payment cards used for payment due to what they told me were problems at their end. They then proceeded to damage my credit. I eventually paid more on this to try to get away from this company but it did not lower the amount owed. I found out that they try to call what they do 'rent to own ' but it is a scam charging you XXXX to XXXX percent interest on what they finance. This is a wholly illegal and predatory company preying on the poor and less fortunate.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I decided to apply for a loan with Marcus by Goldman Sachs after receiving several prior mail advertisements. I spoke with a representative on XX/XX/2022 due to company needing more information in which I provided. I was then informed that I will receive a call within 1 to 2 days if more information is needed or to inform me of the decision made by company after review process. However, I never received a call, so I placed a call on XX/XX/2022 in which I was told the application was still under review and to allow more time. I then placed the follow up call on XX/XX/2022 in which I was told that my application had been denied and to wait on denial letter in the mail. I received denial letter in the mail on XX/XX/2022 that was dated XX/XX/2022. To my surprise, the reason for denial was annotated as " Unable to verify identification information '' which I feel to be unacceptable due to never receiving a call to ask for any additional information as discussed on XX/XX/2022 or to obtain any information regarding my identity. From my prior experience as a loan processor and banker dealing with the loan process, understanding my credit situation, and knowing that I am who I am, I can't understand why this would be the reason for a denial. I called Marcus by Goldman Sachs on XX/XX/2022 to inquire about such determination in which I was told by two representatives that they can't tell my why this was the reason selected, and I was advised to call Goldman Sachs directly. On XX/XX/2022, I called Goldman Sachs who listened but transferred me to a supervisor with Goldman Sachs who only could say that the reason for the denial could be due to information on my credit report being different from my application. I informed her that could not be the case as I check my credit report daily and everything is up to date, and then she apologize for not knowing the exact reason for the denial and went on to tell me to just apply again in 30 days. She also stated that no reconsideration could be done since the application had been closed already even though I informed her that I never received a call back as promise in the first place within the 1 or 2 days on XX/XX/2022. After attempting to resolve this with the company with no attempt of correcting the situation, I decided to file this compliant as I feel that this falls under unfair lending practices and could be a bias decision based off of XXXX discrimination.
Product: Debt collection

I was on payment plan with my old apartment manager at the end of XXXX after moving out which I paid the full debt of what I owed. After I got the money order and turned it in I had my apartment manager email me stating that I paid off all my debt which she did email me XXXX of XXXX the document of the debt I paid. I also kept my receipts for my own records honestly then all of a sudden after I noticed a collections on my account on XXXX I then contacted the collections agency sending them proof even XXXX to dispute it off my account and I have not been helped at all it is now XXXX its still on my account and on collections when I have been paid my debt this has been nothing but a stressful process for me.
Product: Checking or savings account

On XXXX, I saw that app XXXX XXXX on Tuesday XXXX XXXX. I open the app to see what it was about and I was prompted to take a quiz. After answering the question, the option for time frame and cost appears, I choose the {$2.00} a week. It was not stated that any money was being taken immediately, most certainly not for the entire year. I had the subscription cancelled and After seeing 1st {$71.00} declined and then {$17.00} being stolen from my CashApp account. I was lend to believe nothing upfront and if so {$2.00}.
Product: Debt collection

I don't recall having a contractual relationship with this collection company PORTFOLIO RC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

I am in desperate need of assistance. I have a sale date for XXXX XXXX and it has been XXXX ever since my loan was transfer from XXXX mortgage to State Bridge.I am tired of working directly with my new lender State Bridge because they are prolonging my loan so I can fall more behind. First I was always asked to re-fax documents when they confirm that they were received. Then with not even a month of expiration I had to keep sending them more documents, due to my file getting transfer to a new specialist every time. State Bridge will always say that they needed to have a complete package to presented to my investor but my packet was always complete. Once my file was presented to my investor State Bridge told me that I could not be help because I was offer the XXXX modification previously with XXXX bank. That there was no other work out option. I was so devastate because before my file got transfer to State Bridge the only modification I had was an in house modification. I was never offer the XXXX modification. However State Bridge has use this as an excuse in order to deny my loan. Also they have switch my income many times for their own benefit so I wont get any help. My total monthly income included my husbands is {$4000.00}. Therefore when I spoke with agent today XXXX XXXX, I was told that the income that State bridge has use was {$3300.00}. I told her that was incorrect and that I am tired of all this. I have even offer them {$15000.00} to get the help and still is not enough for them. I have escalate this to my investor as well the only person that tried to help me was XXXX XXXX from the investors office. However, she has been out from the office many days and now I had to contact XXXX XXXX from the investors office. He 's responds was just to let my home sale because I have a sale date for XXXX XXXX. That this will be a better option to just walk away. I started to cry when he told me this. I dont want to be homeless I told him I was going to file a complaint with the consumer financial protection Bureau and he told me that I can do as I please. That my home was going to sale either way. I want this adress. I have proof in writing of all the wrong doing they have done. Please I am begging for help. I do not want to be leave homeless. Thank you so much and I hope you help me with this awful situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Dear XXXX XXXX I am writing to request the removal of a late payment from my credit report in regards to XXXX XXXX XXXX. I understand that a late payment can have a negative impact on my credit score, and I am eager to improve my creditworthiness. I am a service-disabled veteran and run a charitable 501c3 organization www.vetsandhorses.org I am asking that credit one remove the late payments and I am attaching actual screenshots from my bank account which demonstrates that the payment was indeed not late.

I have made multiple attempts to rectify this late payment, but it remains on my credit report despite my efforts. I am now reaching out to Department of Veteran Affairs for legal assistance in this manner.

I have been a responsible borrower many years and have always made timely payments on all my other credit accounts. I believe that removing this late payment from my credit report will better reflect my creditworthiness and demonstrate my commitment to financial responsibility.

I again, respectfully request that you remove this late payment from my credit report. I understand that this is not an easy process and may require additional documentation from me. Please let me know what steps I need to take to make this happen. I can provide more documentation in addition the documents I am currently providing with this letter.

Thank you for your time and consideration. I look forward to resolving this matter and improving my credit score. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to claim false debt collection. The first calls were coming from XXXX XXXX at XXXX in XXXX XXXX. This number was contacting several family members about collecting the debt. However, I was not notified of the name of the debt collection agency or any written mail or email presented from this company. They were very abrasive about collecting money, and when the payment was due on the first call. I agreed to make the two payments. At this point in time, I did make the first payment. Upon further research of the number, there were several websites accusing this number as a phantom debt collector and a scam. I became worried, and did not follow through on the second payment. A second number began calling at XXXX ; this was XXXX XXXX claiming to be from XXXX. XXXX was calling several family members, as well. He did not know of what number called before, and I notified him of the potential scam which is why I did not make the second payment. The email he claimed to have sent on the XXXX of XXXX was not anywhere to be found. I am concerned that the company calling is not a legitimate company.
Product: Mortgage

I have a HELOC loan # XXXX with Flagstar. My loan was under forbearance due to Covid-19. The original loan contract had a provision for 0.5 % loan rate discount if the loan is set for AUTO PAYMENT from the Flagstar checking account, which I had all alone until the forbearance. When I restarted my regular monthly payments in XX/XX/2021 the 0.5 % rate discount was removed. Flagstar tells me the discount of 0.5 % was removed because of something I did. I wholeheartedly told them this was wrong and I need their help to get the discount of 0.5 % back on with AUTOPAYMENT setup from checking account # XXXX at XXXX. 

I feel Flagstar is just trying to take advantage of the situation and force me to a higher rate because their currently offered HELOC rate is at 4.99 %. This translates into additional {$500.00} per month for extra 0.5 % in interest rate. The re were supposed to freeze my loan while in forbearance with all the original loan terms and continue with the same terms when my repayments restarted in XX/XX/2021. 

I spoke with numerous supervisors/managers .... These are just 2 of the 5 managers I spoke with... 
XXXX XXXX, XXXX, supervising mgr in HELOC servicing, XXXX XXXX, XXXX, superviser in HELOC servicing, This department 's email for management is XXXX. 
Please help me to get this issue solved and under control. 

Additional monthly increase of {$500.00} is a tremendous burden on our family 's cash flow and may put this loan in jeopardy again. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was done by XXXX XXXX through Capital One without my consent. I consented for a hard inquiry by XXXX XXXX through XXXX XXXX and I was approved. Capital One has previously done a soft inquiry on my credit and denied me auto finance, so I knew Capital One was not an option for me.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates.

I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active.

Aside from verification of the debt, do not contact me about this debt.

The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting or other personal consumer reports

Public Record Account : US Bankruptcy XXXX Experian is falsely stating this bankruptcy account information on my credit report and this a violation of the Fair Credit Reporting Act. 15 U.S Code 1681s-2 DISPUTE HAVE 189 DAYS.

Experian stated on letter that they verified as accurate this bankruptcy account with XXXX XXXX XXXX XXXX. Find attached letter and report from Experian. 
Attached certified letter from XXXX XXXX stating they removed the bankruptcy on XX/XX/2023 because this data was inaccurate and unverifiable. 
XXXX and XXXX are not reporting this false bankruptcy account of my credit report. 
A formal claim was filed # XXXX with Attorney General.