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

Creditor Information XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address changed in XX/XX/XXXX. 
I sent new address to XXXX  on back of the monthly statement. It was never updated so I never received a statement at my new address. Also, the email they had for me was incorrect and I never even knew they emailed your statements. This was a shock because for 3 years I never got one email. I tried to explain this was their fault. It was their incompetence that has caused me to show two straight months of payments missing. Always pay in full, told them to check my history. The first amount was for XXXX dollars and the second for around XXXX. I dont have any 30 day missed payments on my credit. Now I have 2 in a row from the same and only company. I tried to speak with them, but the women in the country of XXXX that handle the phone calls for XXXX   are so rude and will put you on hold until it automatically hangs up. Im being penalized for them not doing their job correctly. Yes, I agreed I did not make the payment for those two months but, not because I was unable to financially, it was because I was not notified for three months. It was finally a phone call from target asking why no payment was sent. Please help because this mistake will hurt me for a long time and companies should have an understanding when something like this happens. They let people in other countries handle personal information. They dont care or have an understanding what a mistake like this causes to an individual due to the reporting to the Credit Agency. You see, they dont have that system in their country so what do they care.
Product: Credit reporting

Equifax in my FICO score continues to report incorrectly that I defaulted on a mortgage. I have never defaulted on any loan. The credit union that issued the mortgage in question has reported twice to Equifax that the mortgage was never in default. Equifax customer service refuses to address FICO scores or refer me to someone who will. Complaints result only in an offer to sell me the FICO score. This failure to correct the record interferes with my ability to get a new mortgage on favorable terms and damages my personal reputation.
Product: Checking or savings account

I am a checking account holder with Apple Bank for Savings for over 20 years and the Social Security Administration uses to deposit my Social Security Income every month. The bank is aware of my ATM card being damaged for over a year and I sent a copy of lease and state identification card to their Center location. They never sent me a new ATM card and I needed money for food and diapers. So, I wrote a check payable to my daughter who lives with me and taking care of my expenses on XX/XX/XXXX. After the check was cleared on XX/XX/XXXX, and got to her account that is located in another bank XXXX XXXX  XXXX XXXX ). Apple Bank back charged against her account that is now - {$240.00}. I called them and spoke with an employee and his manager and she replied we aren't serving customers outside the state and we can not fix a thing in the past ( referred to the check ).
Product: Credit card

I applied for a credit card on Chase.com on XXXX XXXX and was approved soon after. I did not use the card anywhere, as I was waiting to receive it in the mail. I received the card about 10 days later, however, a fraudulent charge of {$5000.00} was attempted on the card on XXXX XXXX. Considering I never used the card and it was not lost, it seems to me that the information was breached during the chase application process. I tried to contact Chase, but was not able to get anyone to understand my complaint.
Product: Debt collection

The debt collection company sent a fraud letter attempting to collect a debt that doesnt exist. A lawsuit was filed against rental company. The debt collection company is trying to misrepresent monies owed on behalf of rental company impersonating different names, XXXX XXXX XXXX XXXX XXXX XXXX. An affidavit was sent to Hunter Warfield, debt collection company, who failed to verify accuracy of debt and ledger/ balance from original company, rental company. This is fraudulent and misrepresentation of legal information regarding a debt not owed to any party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts on my credit report. The accounts in question are listed below and I have included their associated account numbers : XXXX XXXX ( late payment account ) XXXX XXXX  XXXX ( late payment account ) XXXXXXXX  XXXX ( late payment account ) XXXXXXXX XXXX XXXXXXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXXXXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX XXXX XXXX charge off account ) XXXX XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXX ( charge off account ) XXXX XXXX XXXXXXXX ( charge off account ) I am disputing these accounts because I believe they contain inaccurate and/or incomplete information. These errors are negatively affecting my credit score and financial wellbeing.
Product: Credit reporting or other personal consumer reports

I'm reaching out with deep concern about two fraudulent XXXX XXXX accounts that have reappeared on my credit report, despite my previous efforts to have them removed due to identity theft. The details of these accounts are : XXXX XXXX Account Number : XXXX Balance : {$930.00} XXXX XXXX Account Number : XXXX Balance : {$460.00} Upon discovering these unauthorized accounts last year, I promptly disputed them with the credit bureaus and was under the impression they had been permanently removed. Their unexpected reappearance has severely impacted my credit standing and resurrected the anxiety and stress of being a victim of identity theft. 

The recurrence of this issue is immensely frustrating. As someone who values their financial health, it feels unjust to continually combat the effects of criminal actions that I had no part in. 

I kindly request an immediate and thorough investigation into these accounts to ensure their permanent removal from my credit report. It is critical that my credit report accurately reflects my own financial behavior, and I rely on your agency to protect and uphold this right. 

Thank you for your urgent attention to this matter. I hope we can swiftly rectify this situation to prevent any further disruptions to my financial well-being. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XX/XX/year> submitted form XXXX notice of assessment from XXXX XXXX XXXX Michigan to XXXX mortgage company Newrez which states veteran tax exemption granted for property taxes. I followed up with new Newrez on XX/XX/year> in which they needed a tax bill showing what I would owe. I followed up again on XX/XX/year> in which they said they would contact XXXX XXXX on XX/XX/year>. I called XX/XX/year> and Newrez told me they did not have the XXXX and that I do not have the veteran tax exemption for my property taxes even though XXXX XXXX XXXX XXXX do.
Product: Debt collection

Account was paid and closed. No further credit limit increases and or additional fees were authorized. When reaching out earlier this year to discuss this matter and to explain how Covid-19 is affecting everyone, the lady stated she was sorry and I did not have any options. The balance history and current balance are incorrect. This has done a significant amount of damage to my credit score and ultimately has affected my ability to live comfortably including finding a home for my family and I to live in during these unprecedented times. In addition to the inaccuracy of this debt, my social security number does not match the company records being reported and states there is an error when proceeding with this complaint. I hired services to investigate information located within all three credit bureaus and was notified there is an unknown social security number, misspellings of my full name and addresses that I am not nor have ever been associated with.
Product: Debt collection

I have repeatedly asked XXXX of Fidelity Creditor services to disclose how much I owe with a physical ledger for my records. She said it 's company policy to not do so until the debt is paid off. 

Yes there is a judgement issued against me, but to demand I pay {$150.00} a month, which I agreed to because she said she would garnish my wages if I did not. How can I pay something that I do n't have? They are unreasonable and I want a legal mediator to establish a comfortable payment for me. 

I work a temporary job and {$150.00} a month is too high. I fell out of the agreement with Fidelity when I was paying $ 50 monthly. XXXX also said that I must schedule autopay. Is that legal? I should n't have to give anyone the right to debit my card on a recurring basis judgement or not. I should be able to pay in the modality I choose to a reasonable amount. My student loans are income based. Should n't my repayment of debt be? 

I do not wish to be contacted at all by Fidelity via telephone, they are no longer allowed to. I was never allowed to challenge the debt whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

This whole experience with this bank has been Horrible from the opening process with my deposit they never issued out my debit card as they told me then someone from their Customerr care dept calls me to say they forgot to issue one and they would overnight me one I received it but when I activated it and called they told me my account is closed this is such a weird process with the whole Account opening process why would they close my account after issuing my debit card I didnt even get to activate the card or start using my checking account I dont underdtand what happened and wish someone would tell me instead of hiding this from me
Product: Student loan

I have received, today ( XXXX XXXX 2017 ), 15 calls from XXXX since XXXX this morning to my personal mobile number. ( Just from this number.. other numbers have also tried to contact me. ) That was today. This same number has contacted me countless times within the last few weeks, which I 've tracked, since I missed a payment last month ( XXXX ). I refuse to answer the phone, due to the fact I have other outstanding defaulted loans with other lenders and am never sure if I answer the phone to an unknown number if I reengage my statute of limitations for harassment calls. I knew this particular harassment was due to missing a payment, and had planned to rectify the issue with my XXXX payment. The fact these calls continue to increase, to this extreme is harassment. It is disruptive. These calls continue to reach me during the workday. This evening, at a holiday office gathering, my phone was not on silent, and not near my person. The phone went off NINE times in 50 minutes. Colleagues thought there was an emergency. This is not an emergency. 

When I answered the phone, finally, at XXXX, I immediately charged the caller with harassment. The caller/collection agent, simply hung up on me. She was unkind, and dismissive to my claims she was harassing me. 

I understand I am behind. But I did not realize I needed to be harassed this way just to pay a {$60.00} past-due balance less than 30-days past-due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent countless letters to Transunion regarding multiple debts on my credit report for correction and or proof item is mine ; Transunion never sent me anything and I believe an investigation was never performed. It also took Transunion more than 30 days to return anything and when they did it was just an update via email more than 30 days stating the information is correct when it is not.
Product: Debt collection

I received a letter from CBE group on XX/XX/2021 claiming to have an unsettled debt, originally from XXXX XXXX. They listed the original creditor as " XXXX XXXX '' and the current creditor as " XXXX XXXX XXXX XXXX ''. I have not received any prior correspondence from any of these entities. No other details about the alleged original transaction are given. No dates, original amount allegedly owed are provided. I have never in my entire life had any service nor completed any transaction with/through XXXX XXXX XXXX This is the first time I've received any notification of this alleged debt in any capacity from a collection agency, nor have I received any notification or bill from XXXX XXXX at any point. The letter explains I must send a letter disputing the charge, but that this will only " provide me the name and address of the original creditor '' but not correct the error. 

I have mailed a letter refuting the debt to the collector on XX/XX/2021. 

I filed a letter of complaint with the Office of the Washington State Attorney General. 

When I called XXXX XXXX on XX/XX/2021 and explained I have been fraudulently charged or a victim of identity theft, they verified there was an outstanding debt tied to my social security number, then told me to contact XXXX XXXX XXXX and hung up. 

In short, XXXX XXXX appears to have allowed someone to open an account under my name because of lax security protocols, made no attempt to contact me directly so I could dispute the charge, then sold the debt to a collector ensuring I have no other avenue of recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted CFPB complaint # XXXX XXXX see attached ) against TransUnion for knowingly reporting inaccurate and false information and for refusing to forward my complaints to lenders. Included in this complaint was XXXX Loan # XXXX with the US DEPARTMENT OF EDUCATION being serviced by XXXX XXXX XXXX  services. This loan defaulted on XX/XX/XXXX and was placed on my credit report as a delinquent account with a status of 120 past due. 

On XX/XX/XXXX I completed loan rehabilitation with the XXXX XXXX XXXX on behalf of the US DEPARTMENT OF EDUCATION ( see attached ) and my loan was subsequently transferred back XXXX XXXX XXXX  services on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX services reported my loans as being paid as agreed with a payment of {$750.00} being made on XX/XX/XXXX ( see attached ). 

Attached is my TransUnion credit report XX/XX/XXXX ( see attached ) where XXXX Loan # XXXX is listed on page 2 of the report as 120 days past due with a {$0.00} balance and updated on XX/XX/XXXX. On page 7 of this same report you can see the updated information from XXXX XXXX XXXX services that my loans are current and paid as agreed with a status date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a dispute to TransUnion with supporting documentation of the improved status of my loans. On XX/XX/XXXX TransUnion published the results of this dispute claiming that my loan is delinquent and 120 days past and the information was verified as accurate and updated on XX/XX/XXXX ( see attached ) and which is in clear conflict with supporting documentation provided to TransUnion. 

I have provided several pieces of supporting documentation, repeatedly, to TransUnion notifying them that false information was being reported in violation of FCRA and requesting that the payment status be corrected to reflect that the loan is no longer 120 days past due. Subsequently this false information has repeatedly been verified as accurate even after TransUnion received electronic documentation on XX/XX/XXXX that my loans are being paid as agreed directly from XXXX XXXX XXXX services as is clearly reflected on the same report claiming the loan is delinquent. 

In the face of so many clear discrepancies and inaccuracies being reported by TransUnion, the conclusion has to be that their actions are willful and deliberate in continuing to knowingly report false information on my credit report in direct violation of the rights afforded to me under the FCRA even while my original CFPB complaint # XXXX for the same FCRA violations remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this collection to Convergent Outsourcing on XXXX, 2022. They sold this account after payment to XXXX. I've already mailed payment proof and receipt of payment received from Convergent Outsourcing to XXXX  XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
Product: Checking or savings account

Hello I am writing to you hoping you can help me, I have had so many issues with my bank, I have called, went into local branch, changed my debit card twice and still same issue occuring, also when I had a refund in the amount of XXXX from XXXX on XX/XX/XXXX it never was processed, I called and finally after third time I was able to speek with manager who then proceed to apologize and say they where having alot of refund issues during that week, but that didnt help me with over 200 in overdraft fees, and my car insureance was going to be canceled because of the amount of money they where taken out from me with no refund, two days later I recieved an email from XXXX stating my bank is demanding the XXXX because it was fraud!!!!!!!!!! THEY ARE LIERS, AND I FILLED OUT FORMS TO STOP random withdrawals from internet sites such as XXXX, XXXX, XXXX, XXXX, ect they have charged me over 600.00 due to all of this and still proceed to withdraw. Can you please help?
Product: Debt collection

I received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. PHH mortgage I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted PHH and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies
Product: Debt collection

Carmart is reporting to my credit report after XXXX of me asking them to verify the debt and they have not. I haven't received any documentation in regards to this debt yet they keep reporting to credit reporting agency that the matter has been solved. carmart is violating my rights XXXX XXXX XXXX XXXX ( d ), XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX and XXXX XXXX. XXXX, XXXX. Also violating state laws XXXX XXXXXXXX of the XXXX XXXX XXXX prohibits a XXXX-party debt collector or credit bureau XXXX XXXX in debt collection in XXXX unless XXXX XXXX debt collector or credit bureau has obtained XXXX XXXXXXXX XXXX and filed a copy of the bond with the XXXX XXXX XXXX XXXX XXXX XXXX 
THey claim they can not find my account however after they sent the latter they updated my credit profile.