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

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank XXXX, or XXXX XXXX Bank, began charging extra interest fees without notice this month. They also began reporting false balances on my credit report in order to bring down my XXXX XXXX intentionally. My card and bills would be paid XXXX times per billing cycle. I overpaid so they could never say I was underpaid. So they began lying on my report and reporting that I was {$1.00} and times XXXX $ over my account balance when I was nowhere near the level they reported to the credit bureau. The credit flag, flagged the bank as fraudulent and they retaliated against me for filing a cfpb report on them for fraudulent activity and fees on my card. They suspended my account for no reason and then made me mail in my dispute for the {$3.00} fraud fees with a notarized receipt instead of doing it by phone or online. They kept saying you reported us to the cfpb like they were retaliating against me.
Product: Student loan

My complaint concerns my federal loan servicer, EdFinancial. Years ago, when my loans were first transferred to them for servicing, they issued a redisclosure statement that lowered my payments. Unfortunately, I did n't question it at the time, and ended up paying much more in interest than I should have. Most recently, in XXXX 2016, I decided to change my repayment plan from graduated to standard so that I would pay more toward my loans each month. I initiated the change via their website. However, it was only partially processed for Group A and B of my loan, not C and D. I sent three follow-up emails to resolve the problem, to no avail. Finally, I was able to get through to them on the phone in XXXX 2016. I was told that I could not participate in the standard repayment plan, only the extended standard plan ( even though they had processed a change to standard for Group A and B ). Most troubling was the fact that during the time when they should have been processing my request, they placed a forbearance on my account that I never requested nor authorized. When I asked the phone representative why that occurred, and why my monthly payments were not coming out of my checking account as usual, I was told that the forbearance was issued as a " courtesy '' to me because my monthly payment went up. I explained that I was the one who initiated the payment increase, and that I did not want a forbearance. I stressed that I wanted to pay down my debt more quickly. She then stated that it might take a month or longer to remove the forbearance from my account. Most recently, on XXXX/XXXX/16, the forbearance is still there, and I was sent another redisclosure statement which indicates that my interest rate was increased by 0.25 percent. Did EdFinancial penalize me for the forbearance that they placed on my account without my authorization? I see no other reason why my rates would suddenly increase. Since I made what I thought was a simple request to change repayment plans in XXXX, EdFinancial has sent me more than twelve different redisclosure statements, all with different information. I truly believe that they are not interested in helping me, the customer. They were upset that I wanted to pay my debt down more quickly, and threw up roadblocks ( delay in processing my repayment plan change request, forbearance that I did not want ) to interfere. I have every right to change my repayment plan at any time, without penalty. Their tactics are unconscionable. I have never missed a payment.
Product: Mortgage

RE : DiTech Financial LLC Acct # XXXX To Whom It Concern, I am filing this complaint in regards to the DiTech Financial account ( # XXXX ) that is reporting on my credit report with a past due status. I do not understand why DiTech is reporting this note as active. They have failed to demonstrate any ownership of the note or be able to provide proof if they are the servicer or note holder of this alleged debt. Please note the missing original pages noted with the contract copy. 
This loan was originated XX/XX/XXXX by XXXX XXXX XXXX, XXXX. The loan was for a XXXX XXXX manufactured home that was purchased XX/XX/XXXX. 
Please see the attached Title from the State of Michigan dated XX/XX/XXXX reflecting " no secured interest on record ''. There is no standing for any active loan to be collected on. 
I am respectfully requesting a complete removal of the DiTech listing on my report. It appears they may have acquired this loan by error. Please reference all attached documentation and dispute response from DiTech Mortgage. Thank you.
Product: Money transfer, virtual currency, or money service

I attempted to sign up with XXXX and XXXX to help build my credit and savings portfolio but my bank PNC does not allow these services or other credit building services other than their own. I am unable to build my credit thanks to PNC 's rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several months, I have disputed the following accounts with all three Consumer Reporting Agencies, XXXX, Equifax, and XXXX I have provided supportive documentation about my claim and how the reporting is inaccurate, & or Fraudulent however, the severe inaccurate, fraudulent accounts continue to be reported on my credit report. I have requested that a reinvestigation be completed and evidence or transcript be provided of how all accounts that have been verified as accurate be provided and who specifically verified as accurate and their method for doing so. As of the date of this submission, no such documentation has been provided and the inaccurate, fraudulent accounts remain to report on my consumer report, which has damaged me, my score, and my ability to obtain housing for me and my family. 

The Accounts specifically are : XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Account Name XXXXXXXX XXXX Account # XXXX Account Name XXXX, Account # XXXX, Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Back in XXXX, I have started with assisting a client with the process of his short sale. From the very beginning I have advised the servicer that there are additional non traditional liens on the property but I feel that the negotiator has either conveniently ignored my warnings or did not understand them. It has been 10 months and I feel they have stretched this file out needlessly and have added on XXXX extra months of city fees to the additional liens and there was no real cause for this as I have outlined everything for them initially, but their internal department refused to listen to my comments/suggestions. 
There seems to be no end in sight. And the buyer/seller is feeling very uneasy about the whole transaction.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX  XX/XX/year>
Product: Mortgage

I was asked to close on the house when there was still an outstanding issue with outside bricks. There were too many chipped brick installed. A stain was used to match the chipped bricks which made things more worse. I was told that they would take care of the issue after closing. It 's been over two months after closing and the issue has not been resolved. Now, they have told me they ca n't do anything about this.
Product: Credit reporting or other personal consumer reports

It's been over 30 days and these accounts are still showing inaccurate balances which is stopping opportunities for real estate deals. I've attached the correct balances for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update these balances as soon as possible so I can close on a property for a great rate. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last year, I noticed that there were many accounts open throughout last year that I did not open, I disputed everything with XXXX   and Equifax and they keep denying my dispute stating it is accurate when it is not at all accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., XXXX, XXXX, TransUnion ] XXXX I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

XXXX. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ 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 have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Asked on multiple occasions for Lexington law credit repair to cancel services. Ive paid over {$900.00} and nothing has been done. My credit has dropped and service has not been cancelled.
Product: Debt collection

On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Product: Debt collection

This debt is from XXXX and has been settled and time to collect has passed. I settled this account years ago and now being harassed by collection agencies. Its now XXXX and do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

I am having issues with citi bank on my sears card and XXXX XXXX XXXX  there is fraud on my accounts and they keep calling to harass me over and over they call over 10 times a day and think it is okay. They refuse to listen and ignore any letters and faxes sent by us. They threaten to charge the debt off and put it on our taxes when over 99 % of the amounts were fraud and they sent us papers and we told them to stop calling and they refuse to. I am sick and tired of this because they are clearly breaking laws and they think it is okay. We want them to work with us and apologize for things and send us a written letter about things and such. They only call and refuse to send us anything in writing about the debt only when we request it they keep finding it to be a real debt when it is not just because the card was used the chip. Anyone can clone it and it is really not that hard like they think. Plus we had issues with another person under by name as well. I am very mad about this and they are breaking multiple laws and I want compensated for the laws they are breaking we are getting a lawyer because of the fake things they say are true.
Product: Debt collection

I had XXXX XXXX in XX/XX/XXXX, I bought a house and was moving out of XXXX XXXX XXXX XXXX XXXX mi I called and requested disconnection I was told to place the equipment in the XXXX XXXXXXXX XXXX and I thought I was disconnection I moved 4 days later my Old neighbors called me and let me know they never got the box so I did go get the equipment I went with another cable service turns out they never disconnected the service so I had a bill for XX/XX/XXXX Thur XX/XX/XXXX charging me over XXXX dollars and I did talk to XXXX again today and again they said they will send another XXXX XXXX XXXX for the equipment to be returned yet again but I will drop off at XXXX XXXX myself but I still have a out standing bill for service not only did I disconnect but charges for a home I moved from over XXXX months earlier. And what make it even worse in XXXX a sales man from XXXX came to my new place tried to sell me XXXX XXXX I explain why I didnt want to go with XXXX and he told me if I go back to XXXX he will get all charges waived so I did to put it be hide me and again that didnt happen I am still with wow for Internet so they took avange twice please help
Product: Credit card

My American Express card was duplicated in XXXX, 2016 and according to American Express over {$100000.00} charged to my card. I contacted American Express FRAUD Division and was told not to pay on my account until the account was reconciled. As of this date, my account is still not in balance. I was accessed over {$700.00} is late fees and American Express has not waived the fees. I called them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was directed to pay the late charged and fees and American Express would refund the overpayment to me. 
I am receiving letters addressed to a previous residence. I received a letter stating my late payments will be reported to consumer reporting agencies. This is an abomination XXXX. Complete disrespect for a consumer who has been with Amer Ex for 30 years.
Product: Credit reporting or other personal consumer reports

Dear CFPB, This is no longer a goodwill attempt. XXXX XXXX account # XXXX keep on violating my consumer rights by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.

They have failed multiple times to validate this debt so by law they must remove this account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I believe that my XXXX XXXX, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX XXXX items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that Ive been a victim of identity theft. Please remove these fraudulent accounts of my credit report. Thank you.
Product: Money transfer, virtual currency, or money service

Complaint below is against Paypal for allowing sellers with ill repute. Please file against Paypal. 

On XX/XX/22 I paid {$52.00} for hair product from a seller in originating in XXXX and paid via Paypal. However received product was different than advertised and incompatible for use with me specifically. See images comparing received product versus advertised product. 

Then I contacted Paypal for refund. They offered partial payment, I refused. Seller refused all communications or responses via email. No option to return product and refund was offered. Paypal unilaterally closed the case. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX/XXXX-XXXX # XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX # XXXX****, XXXX XXXX XXXX-XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Credit card or prepaid card

On XXXX XXXX a multiple unauthorized cash withdrawal at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ca XXXX in different amount {$320.00}, {$400.00}, {$380.00}, {$200.00}, {$400.00} all in the same, same location. All this transaction is not mine the debit card was in my possession. As found out about this transaction on XX/XX/2023 I called and reported this transaction to wisely debit account to notify them that there is unauthorized withdrawals on my account. After 3 days they emailed me that there is no error or fraudulent on my account how could that be possibly no fraud occurred when I am not the one whos doing the withdrawals. Ive reported this incident to the police and give them a case number XXXX to prove to them that it was not me who did those withdrawals. I requested to show me their proof of investigation but until now I havent heard them. I am reaching to seek help Thank you
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, I arrived in the branch to open a business credit card account. I initiated the process online for a Wells Fargo Business Platinum Credit Card with a " New customer offer : Get a one-time {$500.00} cash back bonus or XXXX bonus points when you enroll in the Business Card Rewards Program and spend {$3000.00} in the first three months of account open date ; {$0.00} annual rewards fee ''. This was shared with the banker to assist. The card application was approved and mailed around XXXX XX/XX/XXXX. I have had several inquiries to Wells Fargo regarding the payout of this offer. Including XXXX XXXX and XXXX XX/XX/XXXX. I even went to the bank where the branch manager assisted calling cardmember services to investigate and resolve the error in payment. The latest communication I have received is " Our records do not reflect a promotional bonus offer for this account. " I am quite upset that I fulfilled my obligation and Wells Fargo has not yet lived up to their promise for the promotional terms.