23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about XX/XX/2023, Midland Credit Management ( MCM ) sent a letter, stating I owe them {$4300.00}. MCM Account Number # XXXX. I sent them a debt validation letter disputing the debt asking for I've never did business with this Midland Credit Management. I do not nor have I ever had a contract with Midland Credit Management. I never consented to them having my personal identifiable information, it seems they have acquired my personal information without consent. Where did they get the consent from and what authority do they have to obtain my personal information without my consent. It appears they have committed Identity Theft. I sent them a debt validation letter disputing the debt, as I am not familiar with them and how they got their hands on my personal information.
Product: Credit card

My credit card was compromised on XX/XX/year> in the amount of XXXX XXXX credit card by someone claiming to work for XXXX. I notified XXXX immediately about the charge to my account. So they had disputed it and all of a sudden about a month later they put the charge back onto my account and they said they stand by the charge. The charge was made to account from somewhere in XXXX. At some restaurant in XXXX for food. I do not know anyone in XXXX and I never been to XXXX. I know with a large purchase in that amount banks usually call you to see if you are making a purchase in the amount for verification and I never received a call giving anyone permission to do so. I do not know this person at all,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request that these inquiries be removed from my credit file : Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>
Product: Credit card

Refer to the enclosed documents. I would like the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, despite my consistent on-time payments.
Product: Credit reporting or other personal consumer reports

Experian is not taking sufficient steps to investigate the disputes. I looked at my XXXX XXXX report and everything that was closed is still showing active and paid off its up dated on there but on Experian, its still showing which is strange my XXXX XXXX debt balance is like {$51000.00} now and on Experian its still over {$100000.00} even the credit factors on Experian are incorrect
Product: Credit reporting or other personal consumer reports

I am writing to seek your urgent assistance in addressing a critical issue I have been facing with my credit report on the Experian website, which has severely impacted my FICO score. 

On XX/XX/XXXX, I observed an abrupt and unexplained drop in my FICO score on the Experian website, plummeting by XXXX points, from XXXX to XXXX. Disturbed by this significant reduction, I immediately sought to identify the cause by reviewing the information provided on the Experian website. To my surprise, the website indicated that one of my accounts had been reported as 60+ days past due. However, it did not specify the name or details of the account in question. 

In my attempt to resolve this matter, I promptly downloaded my detailed credit report from the Experian website to investigate further. To my relief, I discovered that all of my accounts were, in fact, in good standing, and there was no evidence of any overdue payments. I want to emphasize that I have never missed a payment on any of my accounts throughout my financial history. 

Despite my repeated efforts to dispute this inaccurate derogatory entry with Experian, I have encountered significant hurdles. Experian 's response has consistently been that they can not assist me because the credit report does not specify the account responsible for the past-due status. This has resulted in a frustrating cycle of unproductive interactions, leaving me with no viable means to have this erroneous entry removed from my report. 

To verify the accuracy of this derogatory remark, I cross-referenced my credit information with XXXX and XXXX, both of which confirm that there is no such entry on their reports. My credit scores with these agencies remain excellent, consistently above XXXX, with all accounts reported as being in good standing. 

Given the substantial adverse impact this inaccurate derogatory remark has had on my credit score, I urgently request your intervention and assistance in rectifying this situation. The unjustified decline in my creditworthiness has far-reaching consequences, including potential difficulties in obtaining financing or other financial transactions. 

I am more than willing to provide any additional documentation or information necessary to facilitate a prompt resolution to this matter. Your intervention in helping me navigate this issue and ensure the removal of this erroneous entry from my Experian credit report would be greatly appreciated.
Product: Debt collection

XX/XX/2021 during covid times there was a {$8.00} discrepency that I was not aware of oweing due to the fact that I had XXXX and I didnt know nor did I understand the phone either I thought I didnt owe because I paid another apple card when I received the text alert to pay then when I received another alert to pay on XX/XX/XXXX thats when I ext them and they explained that I had 2 cards. I have asked them over 60 times to please remove due to covid care act and the discrepency and they do not respond. Goldman & Sachs do not return my calls
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$120.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I was making payments to another loan servicer ( XXXX ) when my loan was transferred to Mohela. There were 5 outstanding payments in the amount of {$60.00} each that were paid to XXXX when my account was being transferred. In XX/XX/2023, after being notified that my account was transferred to Mohela, I called Mohela immediately and inquired about the {$60.00} payments. At that point, they only had 1-2 of the payment. I made sure to explain that these payments should be applied to Loan 3. I called every month after checking on the payments to ensure that they were applied correctly. Despite my calls, Mohela misapplied 3 payments. 

In XX/XX/2023, I was advised that Loan 1 & 2 would be discharged due to my time working in the US military and in the public service. I realized that 2 payments were still missing, and I wanted to ensure that the payments would be applied correctly to Loan 3. I called Mohela and XXXX several times inquiring about the payments and making sure that the payments would be applied to Loan 3. Although XXXX transferred the amounts in XXXX, the payments did not post to my account until XX/XX/November2023. Additionally, the payments posted to the wrong loans : Loans 1 & 2. The payments were supposed to post to Loan 3.

Mohela was able to locate 1 misapplied payment and correct the misapplication before Loan 1 & Loan 2 were discharged. In fact, I am receiving a refund for this misapplication in the amount of {$32.00} and {$22.00}. However, Mohela failed to correct a {$60.00} misapplied amount until after the discharge ( Note : I am not sure about this because I have received different guidance from different Mohela reps about this. Per the rep today, the smaller refunded amounts do not reflect the misapplied payments. When I ask what they represent, she said the overpayment on the principal, but was not able to tell me how this overpayment occurred. ) Here is the issue : The {$60.00} was removed from Loan 2, which was discharged. They are refunding me the {$60.00} since I full paid Loan 3, and that payment should have applied to Loan 3. ( Note : This is similar to the refund of the {$32.00} and {$22.00}. ) Because the {$60.00} amount was misapplied, Mohela did not submit that amount in the Loan 2 discharge. They are in turn billing me for this same amount. I have explained that if they had properly applied all payments correctly, then the full amount for Loan 2 would have been submitted with the discharge and written off in Loan 2. Currently my account is about to be in Collection status. I would like to have this resolved before this takes a negative action and affects my employment and credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Fraudulent inquiry
Product: Credit reporting or other personal consumer reports

What is Section 623 of the FCRA?

Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Data management errors such as information that appears again as incorrect when it was previously corrected.

The above reasons state the crippling error that all credit companies have displayed and not rectified except for XXXX who realizes that it is a data error and with that the other two remain in violation of the FCRA and should be put notice. XXXX made a grave error and seems to not be willing to rectify it..
Product: Credit reporting or other personal consumer reports

For the past 11 months I have been reaching out the bureau to remove inaccuracies through out my credit report and all lead to no progress. Its been months now and I dont believe have been treated fairly. Under 15 U.S. code 1681e ( b ) I have the right for all my information to be correct to it maximum correctness and should not be tormented with incorrect information. Furthermore these are the accounts that I have been constantly disputing month after month with every chance that I get : 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 Under 15 U.S. code 1681i Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. code s-2 ( A ) Reporting information with actual knowledge of errors 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.

I am not under standing why these laws are not being abide by or actions or not being taken to change these measures.
Product: Credit reporting or other personal consumer reports

I only owe them XXXX but they trying to make me pay XXXX and because I left my apartment before the lease was over with and I let them keep my direct deposit and now they trying to take me to court because I left early the apartment was so nasty they had spiders and the bathroom floor was so messed up the building is old.
Product: Checking or savings account

This letter of complaint is regarding the issues I am currently experiencing with Truist bank. These matters have grossly affected the funds of both my XXXX XXXX, and the clients my agency serves for fiduciary and guardianship purposes. My statements below are a brief synopsis of my reasons for submitting this complaint against Truist bank. I am in high hopes that by filing an official complaint with your corporation that the following issues will be effectively resolved in a timely manner, as Truist has refused to do so despite being aware of the situation. 

On XX/XX/2023, I was informed by several of my clients with closed Truist bank accounts that they had received checks from Truist to be cashed. I immediately advised them that the checks were not to be cashed as I had their accounts closed several months prior. Following the advisement to my clients, I contacted Truist via email and phone calls to local locations, the customer support center and fraud department for several weeks requesting this error be corrected as soon as possible. The only response I received with every contact made was that the issue would be looked into. In XXXX the same error was made in which clients received Truist checks from closed accounts. During this time Truist also drafted my agencys business account to issue checks on closed accounts. I again, reached out to them several times seeking rectification and was told I would have to recoup the unauthorized funds from my clients. During the month of XXXX, the same issue occurred again. Clients received checks from closed accounts and my business account was drafted for these funds which left the account over drafted, compounded with fees and in the negative. 

To date, Truist has not resolved the issue that is causing checks to still be distributed from closed accounts to my clients, and my business account being drafted for these unauthorized funds. I hope that your corporation will be able to assist me with a timely resolution so that I can continue to operate my organization without the distress of unwarranted transactions taking place from both closed client accounts and my business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a car dealership ( XXXX XXXX, XXXX, Georgia ), last summer that claims it will not hard pull credit in considering the loan application ... .. " Will not impact your credit score! ". Their website says that even to this day. However after my looking into my credit bureau reports, lo and behold, they hard pulled FOUR inquiries into my Experian credit file by way of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. All 4 inquiries impacts a credit score. I did NOT give them express permission to hard pull my credit at ANY time. They fraudulently, and deceptively, misrepresented themselves. If they advertise that they will not affect your credit by taking an application, and then they do, that is false advertising and damaging. It is an act of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXX Date of inquiry : XXXXXXXX XXXX  Date of inquiry : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding a derogatory account on my credit report that I believe is not mine. The account in question is with 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 I dispute the accuracy of this information and assert that I have no affiliation with this account. The following reasons support my dispute : 1. **Identity Theft : ** I have reason to believe that this account is a result of identity theft. I did not open or authorize this account, and I have no history of financial transactions with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

2. **Verification of Account Ownership : ** I request that XXXX XXXX provide clear and conclusive evidence verifying the ownership and validity of this account. This may include documentation such as account applications, transaction records, or signatures associated with the account. 

3. **Resolution of Dispute : ** As the reported account is not mine, I request that XXXX XXXX promptly remove this derogatory account from my credit report. Additionally, I request clarification on the circumstances surrounding the reporting of this account and any actions taken by XXXX XXXX to address the disputed information.

4. **Protection of Credit Report : ** I request immediate steps be taken to protect my credit report from further damage resulting from this fraudulent account. This includes ensuring the removal of any inaccurate or fraudulent information and preventing unauthorized access to my credit file. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the inaccuracies in the reporting of this account. Specifically, I request the following : - Verification of the validity of the reported account and confirmation of identity theft. - Correction of any errors or inaccuracies in the reporting of the fraudulent account. - Provision of assistance and guidance on steps to take to mitigate the effects of identity theft and protect my credit. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution and the correction of any inaccuracies resulting from identity theft. 

Sincerely, XXXX XXXX
Product: Credit card

On Sunday XX/XX/2023 I accepted the offer to turn in an application for credit at XXXX XXXX XXXX Upon doing so it was brought to my attention that some of my personal information connected to my phone number was incorrect. I was satisfied to the best of my knowledge that this info had been corrected. On XX/XX/XXXX ok received an email addressing myself with a different name. This happened again on XX/XX/XXXX. I contacted the company about the issue after the first email. I am submitting this complaint to replace complaint number XXXX.
Product: Credit card

Chervon Gas company is use unfair practices in an attempt to get consumers to pay more money on there bill. They are charging {$35.00} late fees even if the customer pays the bill on time. They rise the minimum monthly payment balance at will to get more money while charging higher interest on the minimum payments. They also are reporting consumers to the credit bureaus even when continued payments are being made. Please look into these gas companies
Product: Money transfer, virtual currency, or money service

Transaction date : XXXX XX/XX/2021 XXXX : XXXX XXXX  ( {$5000.00} XXXX XXXX : firstly they said they will not recover my funds and now they dont even reply my inquries I sent my XXXX XXXX worth of {$5000.00} from XXXX XXXX to coinbase exchange but by the system problem in coinbase they provide me XXXX address instead of XXXX address and my XXXX money has been stuck in XXXX exchange which is under coinbase and only coinbase can help me i am trying from more than XXXX weeks first they said they will not recover my funds and not they not even reply my inquiries i am feeling soo XXXX  and cant explain what type of problems i am facing please help
Product: Mortgage

I made two payments that were never credited to my account. The first payment for {$3000.00} cleared my bank on XX/XX/2018. Amerihome never credited my account but instead returned {$3000.00} to my bank account on XX/XX/2018 [ note I made two payments in XXXX when I learned they returned the funds. ] The second payment I made was {$3000.00} pay-by-phone with an Amerihome representative on XX/XX/2018 confirmation # XXXX cleared my bank account XX/XX/2018 online trace number XXXX XXXX XXXX XXXX XXXX. Amerihome never credited my account for this payment. I've called Amerihome numerous times and talked with many of their representatives to resolve this. I've sent pages of documents to prove the payments and I've conferenced several representatives from my bank with Amerihome representatives to verify these transactions. All of my efforts to date are unsuccessful. Amerihome has reported me late to the credit bureaus for months ruining my credit. It is important they recognize their mistakes and reverse the credit reports.