23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, which I believe were the result of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$140.00} Fraudulent Inquiries to Be Blocked and Deleted 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 XXXXXX/XX/XXXX
Product: Debt collection

Selene took over servicing of my mortgage I have sent letters requesting verification of the debt the modification that XXXX had and how to continue with the modification ... ..they have ignored my repeated letters and calls and have just moved forward with the foreclosure which is tomorrow XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and   XXXX   show my score over  XXXX  points below  XXXX . Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose  one of five o ptions that identify me, but ev ery one thr u propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in  XXXX  Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I hav e 100 pe rcent perfect payment history. My c card utilization is a t 19 p ercent. I have never been late I have never had a bankruptcy they show  XXXX  hard inquiries that are not mine!! I make  XXXX  a mo as a   XXXX   XXXX   specialized and certified in  XXXX , same job for almost  3 ye Rs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Equifax a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF  DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries ( 7 total ) that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my Equifax report IMMEDIATELY, in accordance with my rights under the Fair Credit Reporting Act. Please see attached documents and info. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXXXXXX card and XXXX XXXX I'm unknown about
Product: Debt collection

The company letterhead known as " ditech Home Loans '' has been sending letters trying to collect a debt that was and is not ours.They have been called and I have told them that we never had a loan or mortgage with them. They then say that they bought our mortgage from XXXX XXXX and again we told them that I never heard of that company nor had any financial doings with a company of that name. Our mortgage was settled with payment in full back in 2013 and was not with either of the complaining companies. I have been a victim of identity theft and this is being reported to my already damaged credit.The letteres that they are sending are coming on a monthly basis and when I call them I get nothing but excuses and more fake information, even being vulgar at most times.Please help me stop this harassment.
Product: Credit card or prepaid card

Since XXXX, 2023, I have attempted to receive the 2 % cash back on my purchases per Wells Fargo 's Cash Rewards on purchases.
Product: Debt collection

XXXX XXXX XXXX XXXX sent a letter to dispute a debt with Macy 's Department Card. When I attempted to contact this company, at XXXX, I was unable to make contact with any representatives in the year ( s ) XXXX and XXXX. In XXXX, I reached a representative at the telephone number ( XXXX ) XXXX and told that XXXX XXXX XXXX XXXX no longer is managing this account and I need to contact Macy 's for more detail. I was unable to get a complete account number.
Product: Debt collection

There is no account number linked to this negative posting by Portfolio Recovery on my credit report. 

On XX/XX/year>, I noticed that Portfolio Recovery was on my credit report with a balance of over {$8000.00}. I contacted them via certified mail asking who they are, who they are collecting for, and for proof of supposed debt. They received this on XX/XX/year>. 

I received no reply. On XX/XX/year>, I sent a cease-and-desist letter to Portfolio via certified mail. They received this on XX/XX/year>. I sent copies of this letter to XXXX, XXXX, and XXXX XXXX. 

After a month, I noticed that Portfolio was still on my credit report. I provided a second cease-and-desist letter to Portfolio and all three reporting agencies via certified mail. They all received their respective letters in XXXX. 

As of today, XX/XX/year>, Portfolio is still actively reported on my credit report by all three credit reporting agencies. 

Portfolio Recovery is violating federal law by reporting a debt that was never validated or verified. XXXX, XXXX, and XXXX failed to adequately investigate and verify the supposed debt, even after I asked them to do this twice. 

This irresponsible reporting is hurting my credit score. Please have all three credit reporting agencies remove this account in accordance with federal laws. Thank you.
Product: Student loan

Good morning, Attached you will find a letter dated XX/XX/XXXX, MOHELA 's response to my previous complaint filed in XX/XX/XXXX. To date, my loans have still not been forgiven. It has been 182 days/6 months since this letter. I reach out to MOHELA on a regular basis regarding the status of my forgiveness, and I continue to get conflicting information. Earlier this year, I was told that my application did not go through until XX/XX/XXXX. I have been told that it could be any day now, and I need to be patient. The most frustrating was when I reached out today and was told that my application was not processed until XX/XX/XXXX and I will have to wait ANOTHER 90 days. When I asked about why this happened, I was told it was some sort of discretionary review by MOHELA. I really do not understand what is going on and why my loans have not been forgiven, and why MOHELA continues to give me conflicting information each time I call or chat. 

I applied for loan forgiveness in XX/XX/XXXX before my loans were transferred to MOHELA from XXXX, so it has been 9 months since my application, and my loans still have not been forgiven, even though I have met all the requirements.
Product: Credit card or prepaid card

On or about XX/XX/2018 purchase made through this card, Best Buy Visa, with XXXX XXXX. One item was missing from package. Initiated dispute for {$140.00}. Best Buy Visa just advised they are siding with merchant despite merchant not providing any signed affidavit contradicting missing item. Instead some unverified, unsigned and unidentifiable information was provided by merchant. In violation of Fair Credit Act, merchant has done nothing to investigate and merely collected this information from merchant, summarily ruling in merchant 's favor. Best Buy Visa has breached its legal obligations to me.
Product: Debt collection

About month ago, I contacted Capital one on a new account. It sent me to a company called XXXX XXXX XXXX by mistake. I was told that I owed XXXX on a capital one credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of XXXX that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a  bankruptcy court. The account is XXXX. The phone number of the XXXX XXXX XXXX is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another XXXX XXXX XXXX because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  did not properly investigate my credit disputes. I sent them all the required documentation, see documents that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploaded here is exactly what I sent to them. They are requesting duplicate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX  payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX  and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a screen shot of my account before I closed it just recently showing I was not past due and yet on my report it says I'm past due and hasn't been updated since XXXX XXXX. I disputed 2 or 3 times and XXXX  keeps telling them its up to date when it is not up to date and I also have proof. And I want it off my credit report now. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. The company has violated my rights and is reporting fraudulent information on my consumer report. the company has failed to supply a valid contract.
Product: Credit card

On my XXXX Citi Costco Anywhere Visa statement there was a questionable late fee of {$30.00} and an interest charge of {$32.00}. I contacted XXXX. who agreed and waived the late fee and interest charge and those credits showed up on my XXXX bill. 

But also on my XXXX bill, it also showed I owed {$8.00} interest! I called and XXXX XXXX said she'd credit me this " residual '' interest charge - residual from the {$32.00} above! I had never heard that term and that sounds ridiculous. ( The explanation sounded like while they credited me back interest, they did so at a time that it was in 2 different billing periods so the " credit '' of {$32.00} only covered one billing period but not the other even though there was only one interest charge in 1 billable month time frame : / ) So, she said she credited it - fine - lots of my time spent for this. 

Then I add up my charges so I can pay my bill and it doesn't add up to what they are saying is owed. Somehow, there is {$1.00} additional owed. I look at the statement and it says 2023 Interest is {$9.00}. Which is the {$8.00} ( that was just credited ) plus the mysterious {$1.00}! 
I get back on the phone with Citibank. XXXX explains that since I took an offer of a lower interest rate for a promo time, that some of the interest was on one rate and some ( the {$1.00} ) was on the lower rate during the same billing cycle and for standard purchases. ( Did I lose my mind? ) Anyway, she would not credit me that {$1.00} as she said she couldn't BECAUSE it was my choice to take the promotional offer! 

Citibank has been a decent company to work with, but not sure what is going on now with them. It may only be a few bucks to me, but that times a XXXX customers amounts to XXXX for them.
Product: Debt collection

I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.
Product: Credit card or prepaid card

Initiated a balance transfer from another account to Wells Fargo and made timely payments during the promotional period. 15 days before the expiration of the promotional period I called in to pay 100 % of the balance off before the promotional period expires and interest is charged. Three levels of customer service confirmed with me that I could not pay off a specific promotional balance because their system did not allow for payments to be applied to specific promotional balances ( I had two ). Further, I was repeatedly told that though my statements say the promotional interest rate expires on XX/XX/2020, it didn't really expire until the end of the billing cycle, or XX/XX/2020. I was told this is actually how Wells Fargo does this, but yet, I had nothing in writing to back up their statements. I was told to call in after the close of the billing cycle and as assured on the phone I would not be charged interest until after the close of the billing cycle. Three issues : 1. Zero ability to pay off the promotional balance separately, and, 2. I had zero documentation reported to me on how my payments would be applied, because my thought is they would be applied to the balance expiring first, and, 3. I had zero documentation reported to me on their purported actual date the promotional  interest rate actually expires. 

I want to pay what I owe and have it paid before I am charged interest, yet, this does not seem possible.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am writing to follow up on my recent complaint regarding inaccurate credit reporting, unauthorized charges, etc, which I submitted several times over the last few years with the most recent date being, XX/XX/year> As of today, I have not received an update on the status of my complaint. This is of great concern to me as this issue directly affects my credit score and overall financial well-being. I kindly request an update on my case 's progress and any actions taken to address my concerns. 

Thank you for your attention to this matter. I look forward to your prompt response so that we can work toward a resolution. 

Best regards,
Product: Checking or savings account

My paycheck for {$1600.00} was sent via direct deposit to my Capital One checking account on XX/XX/scrub> 2025. The deposit has still not posted to my account as of XX/XX/XXXX at XXXX EST. I have called Capital One customer service multiple times and have not gotten any answers. No one seems to know when this issue will be resolved.
Product: Credit card

Ongoing for over a couple of months now, citi credit card for Home Depot website says they have no phone on file for me and when I try to add one it gives confirmation about sending text and calls to it but then wants to send ID verification to some other number. I call in and get the run around claiming my phone number is ineligible to receive the ID code from the rep because " the system '' deems it so, and they don't have any back door or way to override " the system '' apparently using XXXX based AI system software that is nothing but problem ridden. A simple thing like correcting the phone number online, and they refuse to act on it or have the system updated to allow me to do so, website clearly says I should be able to do it but their " system '' says otherwise, a simple thing like adding the correct phone to my profile, and they refuse to allow it and that i have to Waite for them to send some sort of letter through snail mail to tell me what the problem is how to correct it, yet I have been waiting for 6 months and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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