23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did a credit report through the 3 major credit unions and saw fraudulent transactions through XXXX for the amount of XXXX $ and XXXX XXXX for the amount of over XXXX . I was incarcerated at the time of these transactions and wish to have them removed from my credit report. I reported this to XXXX, XXXX XXXX & experian
Product: Credit reporting or other personal consumer reports

The account was charged off on the following date : XX/XX/year> Since then the date of last activity has been inconsistently updated to all 3 credit reporting agencies Equifax, XXXX, and XXXX If the dates are coming from the ORIGINAL CREDITOR the dates should be the same. We can not say these accounts are 100 % accurate, therefore all the accounts are deemed inaccurate. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. 
In accordance with FCRA 15 U.S.C. 1681 Please delete this account from my credit report immediately. 
Accounts Name : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax Information Services, LLC : This is a Self-Attestation that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at 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
Product: Debt collection

Medical Data Systems has placed an account on my credit report. I have disputed this account with them several times to try and verify if the account is mine. I have requested that they send me a copy of the ORIGINAL contract with my signature and personal information verifying this account. They have never sent that information. This is also a Medical account so my medical/personal information was shared without my consent which is a violation of the XXXX policy. I have made them aware of that as well.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/20 I checked my credit and found Collection Professionals marked me as having outstanding bills due. These accounts was never a collections account and vendor extended payment plan. All checks went to vendor and never to collections agency because it was NOT A COLLECTION, Not even the correct account number or date on one. From the first dispute they removed 4 of the accounts and left 3 which were not collection accounts. The most recent demand for money from them was of XX/XX/20 showing 5 different accounts that are not even open because all accounts have been paid in full and closed with vendor, some over a year ago.
Product: Checking or savings account

I received a letter from the IRS stating I owe XXXX. I call the IRS to get more information about these claims that wasnt me. Then I called Square to get more information they said it wasnt them and sent me a email stating it was Cash App. I called Cash App and now Im getting the runaround I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX Made on : XX/XX/2022 Made with : Equifax Made by : XXXX Made on : XXXX Made with : Equifax Made by : XXXX XXXX Made when : XXXX Made with : Equifax Made by : XXXX XXXX when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax Made by : XXXX Made when : XXXX Made with : Equifax
Product: Credit card or prepaid card

On XX/XX/2021 we inadvertently instructed our bank to pay Citi Bank {$1800.00}. The money was intended for a different card. Unfortunately we had closed the Citi Bank credit card a couple years back and after repeated attempts Citi Bank can not locate or return our money. Our bank XXXX XXXX  has told us that Citi Bank has cashed our check. 

Please help us in returning our funds
Product: Student loan

I have been getting harassing phone calls from ( XXXX ) XXXX. This number calls me 5 times a day at least. 

When I answer, there is silence. Sometimes they hang up, but recently they just sit on the line in silence until I hang up. It's really scary and is giving me a lot of anxiety. 

I looked up the number when they first started calling months ago and it's Mohela. They recently took over XXXX. They are supposed to be helping borrowers, like me, who are having issues with repayment after losing a job. 

I lost my job in XXXX XXXX and have been looking for work ever since. I paid up until I couldn't pay the amount in full and made a smaller payment recently which was a struggle. 

I spoke to their CS dept and explained the situation. Tried to figure out a way to lower my payments so I wouldn't default. They stated they have no options for me and will not work with me. I dont know what to do. I thought the XXXX XXXX was having Mohela help people. 

Now I'm being harassed. I know Mohela was sued for " call deflection '' which is exactly what they are doing to me. 

Today alone, this number has called and sat in silence at XXXX, XXXX and XXXX so far. 

So far this week they have called me : XXXX - XXXX, XXXX, XXXX, XXXX Wed - XXXX, XXXX, XXXX, XXXX XXXX - XXXX, XXXX - XXXX then called Mohela. I requested a callback and they never got back to me. 

Each time they are silent I state that I know who they are and that these practices are against the Fair Debt Collections Act. I also state that I know they have been sued for this previously.

I want to know what I do because I complained to Mohela directly. There are notes on my file explaining my situation so there is no need to harass me. I am trying to find a job so I can make payments. I have XXXX XXXX am a single mother.
Product: Mortgage

I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.
Product: Checking or savings account

I was sent a check for a job i did a bid on. Bank of america posted the amount on the account. Couple days later after buying material and stuff with that money the check bounced and Bank of America did nothing about it. They told me i had too pay that money back. It doesnt make sense for me too pay that money back when they put the money in my account too use and then force me too pay which I already paid them that money back. Why not hold the check till funds clear and then put it in my account?
Product: Credit reporting or other personal consumer reports

i did not ask Transunion to freeze my report. they did it they did not remove the identity theft, which they have a case # for and uusporting docs since XXXX from XXXX XXXX The do not have every bit of information on the credit report in terms high limits they have my landlord but do not list monthly payments correctly and ive been here since XXXX. they dont have amount paid on XXXX XXXX for months reason report not updated? they did not request or supply a copy of ally financials XXXX policy nor validate the forgiveness letter for XX/XX/XXXX which is a gift apparently but still not annotated. student loan they closed because I paid but marked me marked XXXX  days late or XXXX most of the time and the loan never defaulted. how do you go frim paid or defferred to XXXX days late. they did this for many years after a lot. XXXX may be responsible but bot my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

VARIOUS INQUIRIES I DO NOT RECONIZED. SOME HAVE BEEN DISPUTED ALREADY, BUT I RECENTLY WOKE UP TO MORE INQUIRES ON MY CREDIT!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I sent XXXX On XX/XX/2021 another XXXX On XX/XX/2021 XXXX On XX/XX/2021 XXXX To a bank account under the name XXXX XXXX XXXX XXXXXXXX for a fix and flip investment that never happened, under an agreement that the money would be returned upon 60 days. It never happened and the owner XXXX XXXX XXXX just wont return the money.
Product: Debt collection

I have no connection and have never had a connection to IQ DATA INTERNATIONAL or the original creditor XXXX XXXX XXXX. 

This is a result of identity theft and I would like it removed from all 3 credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I have online accounts with all 3 credit bureaus ( XXXX TransUnion.com, and XXXX ), however, I am unable to access an up to date credit report through my online portal with TransUnion. I am also unable to access my TransUnion and XXXX credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both TransUnion and XXXX numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by TransUnion that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ALREADY DID MY COMPLAINT ABOUT MY INQUIRIES TO EQUIFAX AND THEY HAVE TRIED TO SAY THEY HAVE VALIDATE THE INQUIRIES BUT STILL HAVE NOT SENT PROOF OF VALIDATION. The law " 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( B ) '' - YOU HAVE THE 30 DAYS TO INVESTIGATE BUT YOUR AGENCY exceeded 30 day time to resolve the dispute lawfully. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. AGAIN From my records neither did I authorize these INQUIRIES, there is NOT permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately REMOVE each and every last one of them from my credit report.
Product: Debt collection

Calls all day from blank named numbers, different company names, all from same company. I've told repeatedly to stop calling emailed company to stop but they just started calling more times per day 20 plus now
Product: Vehicle loan or lease

This is to report the wrongful repossession of my XXXXXXXX XXXX XXXX XXXX  on Friday, XX/XX/XXXX, by the dealership from which it was purchased ( XX/XX/XXXX ) ; XXXX XXXX Nissan of XXXX, Georgia. Please see the police incident report. 

In this case, the nature of Wrongful Repossession was abusive and completely unwarranted by my XXXX  LOAN ACCOUNT STATUS, which was CURRENT. In fact, I typically paid an extra {$25.00} on my loan account monthly. Please see loan status screenshot. 

Subsequent to the taking and recovery of the vehicle, a major engine component failed ; ie, the Engine Fan. This mechanical failure limited my usage of the car to near zero. The {$100.00} analysis of the vehicle shows an {$800.00} repair pending to replace the Engine Fan Assembly. 

Although the car was still under warranty when it was recovered from XXXX XXXX Nissan, I clearly had NO CONFIDENCE in a trustworthy repair being done there, or at any local Nissan XXXXXXXX XXXX XXXX agent/service center at the time.
Product: Credit card or prepaid card

Last XXXX ( XXXX ) my American Express credit card limit suddenly and unexpectedly lowered from {$7500.00} to {$970.00}. When I called about the error they said it was because I had a " missed payment on another account '' which couldn't be the reason because I hadn't had a missed payment since XXXX - and the account with the missed payment was paid off and closed. They told me I could try and increase my limit again in the future, and it's been a year now and I'm still not able to. There is no longer an option for me to request a credit limit increase. 
I worked so hard to build my credit and address any mistakes when I was younger and this really hit my credit score hard and seemed completely unjustified since there hadn't been a change to my credit in years.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint regarding my mortgage company reporting inaccurate information to my credit report. ( Complaint # : XXXX ). On XX/XX/XXXX, I received a response to the complaint and the mortgage company agreed to fix the inaccurate reporting to my credit. On XX/XX/XXXX, I received notification that the late reporting was fixed to no data for XXXX and XXXX as agreed upon in Shellpoint 's response to my CFPB complaint. 
On XX/XX/XXXX, I received notification that Shellpoint made new remarks on my credit report. When I checked my credit, my credit score was dropped AGAIN due to Shellpoint re-reporting late payments for XXXX and XXXX after they agreed and DID fix it on XX/XX/XXXX. On XX/XX/XXXX XXXX immediate reached out to Shellpoint via email providing them with my credit report and a copy of their response to my CFPB complaint. I asked that the issue be fixed AGAIN and in an immediate fashion as that was the agreed upon response to my initial complaint. 
As of today, XX/XX/XXXX, I have not received a response to my email nor has my credit report been fixed as they stated that would do initially on XX/XX/XXXX.
Product: Debt collection

I want this company to stop reporting on my credit I have never done business with this company nor have permissions to use my information we will be going into litigation due to harassment and fraud. Using code 15 U.S.C 1681. These debts are not mine and are closed and discharged stop reporting to my credit
Product: Debt collection

I was contacted by Southwest Credit Systems around XX/XX/XXXX and was advised it was an attempt to collect a debt and they needed to verify my information before telling me what the call was about or any information at all. I advised them that I'm not providing info over the phone and I never received a letter about any debts owed to them. The caller hung up. I received various calls from the same number ( XXXX ) so I continued to block the calls. They then called from a Texas number with area code ( XXXX ) where a man with an accent did the same thing. I verified my DOB and he transfered me to someone else. I spoke to someone named XXXX and she said it was a balance from XXXXXXXX/ XXXXXXXX cable from XXXX. I advised her I was not aware of any debt and we currently have XXXX  in my husband 's name and its been like that since we've moved here in XX/XX/XXXX. I advised her to send me proof of the debt and she advised on the XXXX   account it just has my name but no address or any other info. 

She said she would send me a letter to dispute and to validate the debt. I have not received anything but they did put it on my credit even after I've never received any notification or letter from them. She advised she would file a dispute. How can they be allowed to place this on my credit without validation and I have disputed this?
Product: Credit reporting or other personal consumer reports

On XXXX, we renewed our home equity loan with XXXX XXXXXXXX XXXX The loan documents shows our ( equal consecutive, not variable ) monthly payment is {$940.00} commencing on XXXX. 
In XXXXXXXX XXXX XXXX, I noticed that my XXXX, Experian and XXXX reports all show that our monthly payment is {$7200.00}. I immediately called XXXX XXXX XXXX to complain and was told that " it will be corrected ''. 
In XXXX, I checked all 3 reporting agencies and saw that the monthly payment was still showing {$7200.00}. Since the phone call didn't work, I decided to go into the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( I thought this was the local XXXX at the time ) and shared screenshots of my credit reports etc with XXXX XXXX. She assured me that the problem would be resolved and to check my credit reports again in XXXX because it will take time for the problem to be corrected. 
Since my monthly statements from XXXX XXXX were " consistently inconsistent '' ( some months showed I owed {$940.00}, some showed {$890.00}, {$980.00} or even {$150000.00} ), I usually go inside a local branch or call ahead to find out the actual amount I owed that month. In XXXX, I called the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( my local branch ) to ask how much I need to pay and was told " my screen shows that nothing is owed until XX/XX/XXXX. I assumed that my in-person conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX location had caused them to " make adjustments '' or whatever and that nothing was owed that month. I said " ok, I'll see you guys in XXXX ''. 
On XX/XX/XXXX, I paid {$980.00} at the local branch. The very next day, I decided to check my credit reports on XX/XX/XXXX and it showed that my XXXX payment was 30 days past due! I knew that my phone complaints were getting no results so I started calling XXXX XXXX ( VP at the XXXX XXXX XXXX ) to try and get an in-person appointment with her. On XX/XX/XXXX, I went into the XXXX XXXX branch and paid {$1000.00} towards my loan ( because the teller was unable to figure out how much I owed ). While I was there, I made an appointment with XXXX XXXX for the following day. 
On XX/XX/XXXX, I met with XXXX and I brought her screenshots of my credit reports. She called the " loss mitigation department '' and spoke with XXXX XXXX. XXXX explained BOTH credit reporting issues to XXXX XXXX still showing the monthly payment of {$7200.00} AND 30 days past due payment for XXXX even though the teller at her branch told me " no payment owed until XX/XX/XXXX ). 
XXXX and XXXX looked at my account together and concluded that in addition to the {$980.00} payment I gave them on XX/XX/XXXX and the {$1000.00} payment I gave them on XX/XX/XXXX, I would need to pay another {$850.00} to bring my account status to current. I paid the {$850.00} due 3 days later on XXXX XXXX. 
As you can see, these numbers are " consistently inconsistent '' and I never know how much is actually due until I go inside a local branch and ask them to look it up.
Product: Credit reporting

I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.