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

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from XXXX on XXXX and also from XXXX on XXXX. On my XXXX credit report, there is a hard inquiry from CitiBank N A, on XX/XX/. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/. I called the company on my XXXX report on XX/XX/ to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX  Original creditor XXXX XXXX XXXX Balance ; XXXX XXXX BANK XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX BANK Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Student loan

XXXX I received a letter from XXXX stating that I should expect to receive a PSLF tracking statement sometime after 90 days. 
XXXX I had not received my tracking statement. I called XXXX to ask about it and was told I should get it within the month. 
XXXX I had not received my tracking statement. I called XXXX was told that I should expect it in 5 months. I was verbally told that 44 of my payments would qualify for PSLF and that there were 24 payments that XXXX wasn't sure about. I was concerned about the 24 uncertain payments, but without my tracking statement, it was hard to have a discussion about them. 
XXXX I had not received my tracking statement. I called XXXX and was told that I should receive it in 10 days. 
XXXX I had not received my tracking statement. I called XXXX was told that my statement was still being processed and that XXXX could provide no timeline for completing it. I was verbally told that at least 5 of my payments would not count because they were in " paid ahead status '' and that they would need to be " manually reviewed '' taking 6 months to a year. I had never heard of paid ahead status and was deeply concerned and confused. 
XXXX After doing some research about paid ahead status, I called XXXX back. I was verbally given even more confusing information about which payments do and do not count toward my PSLF due to paid ahead status. I requested that all of the previous paid ahead statuses be fixed ( I knew I had never under-paid ). I was told that no future payments would be marked as paid ahead and that the previous payments would be fixed by XX/XX/XXXX. I again requested my PSLF tracking statement. I was told I could expect to receive it in 7-10 business days. 
XXXX I went to pay my loans and discovered that I had again been put in paid ahead status. 
XXXX I called XXXX. I was again told that paid ahead status would be permanently removed from future payments and that all previous paid ahead payments would be fixed. 
XXXX I have not received my PSLF tracking statement. I have not received any notice that previous paid ahead status payments have been fixed. Frustrated by my inability to get results from XXXX, I am submitting a CFPB complaint.
Product: Credit reporting

In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.
Product: Checking or savings account

I opened this claim with Comerica XXXX but I made a mistake and I forgot to claim also 2 other transactions from the same merchant and same reason, product not received. 
I called 2 times later to open another claim or include those 2 transactions to the same claim but wasnt possible. 
Please open another claim or in the same one this 2 transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection agency is harassing me for a regular payment to XXXX which was paid BEFORE THE DUE DATE, and I have the cancelled check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Inquires 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 AZ XXXX
Product: Debt collection

The company claims its 100 % money back guarantee if the product doesnt work. They refused to give me back my money even thought I went through the proper steps. The lady was rude and unhelpful, refused to put me in touch with anyone. I distributed it with my XXXX  card, it was XXXX to be exact. XXXX granted me back my money. Still not sure how they were able to put it on my credit.
Product: Credit card or prepaid card

I already closed my credit card.
I contacted citibank to close my account.
They agreed to close those.
So I asked them my balance ( to pay all balance ) Then I paid those off in full which they told me.
After couple month later.
They said I have past bill.
I tried to contact them but no answer.
Product: Debt collection

XXXX XXXX XXXX was requested to come to house to service a XXXX range top under guarantee, the Tech was very rude and we asked him to leave our home. A few weeks later we received a bill fron XXXX, we thought it was a mistake as XXXX had sent them. We were finally placed on collection, we contacted XXXX and paid the bill over XXXX months ago. We are still receiving letter from Transworld Systems Inc. We would like to complain about Both company. 
I had called XXXX times Appliance Service asking them to be removed from the list of debtor with no success. 
Thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, TransUnion, XXXX, and XXXX consumer reporting agencies has violated my rights. 
15 U.S.C. 1681 section 602 A, A ( 4 ) states I have a right to privacy.

15U.S.C. 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I requested that my current account because it states on my receipt that it was closed but it never was closed. My stimulus checks went into the account account hadnt been touched for years and I will send it in XXXX for transactions were made each XXXX/XXXX dollars and I never made these purchases, I didnt even know that account was still open current bank has it under investigation when it was negligence on their part they shouldve closed my account and never left it open so now Im stuck here waiting and waiting and waiting for them to get a hold of these people, and I try to get a hold of the people that the purchases were made And I cant even get a hold of. They dont have a phone number or address not even a location.
Product: Mortgage

I paid {$10000.00} to reinstate my mortgage on XX/XX/XXXX. I was told the amount included XX/XX/XXXX payment. I spoke to several consumer service representatives that confirmed that my mortgage was paid untilXX/XX/XXXX. I filed a complaint on XX/XX/XXXX after receiving automated calls that I owed for XX/XX/XXXX. I received no response until XX/XX/XXXXwhere Mr.Cooper/Nationstar admitted they had miss informed on me XX/XX/XXXX ( 10 days after the payment was accepted ) and incorrectly applied my mortgage payment to legal fees. The explanation is unacceptable the restatement amount should have included legal fees. The representative on XX/XX/XXXX ( which was recorded ) told me no legal fees were on the account. I had him check three times if the reinstatement amount was correct. He confirmed it was then I paid the amount requested that day. On XX/XX/XXXX I spoke to XXXX XXXX in response to a letter I was sent by Nationstar/Mr. Cooper saying I would have to request that the mistakenly applied mortgage to the legal fees be reversed to be applied to my mortgage. I ask her to reverse the payment to its original intent. I dont understand this, if Mr. Cooper/Nationstar admitted they made a mistake why would I have to call them in order for them to fix their mistake. Also, it isnt legal to quote a reinstatement amount and accept the payment then say it was an accounting error. Especially, when 3 different representives confirmed I paid the correct amount through XX/XX/XXXX. Now they have a demand letter saying Im 3 months behind when Im 2 months behind.
Product: Debt collection

I was served a summons about a debt that I do not remember taking out. the original loan was if prosper. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.
Product: Checking or savings account

I had a truist account open since late XXXX or early XXXX of 2024 at the end of XXXX they restricted access to funds and then closed my account stating that there was suspected fraud but could not provide any other information. After working with my branch they appealed the decision and were told that there was nothing that they could do because of a program denying it. There was no suspected fraud in the account according to the bank it was only attached to my identification.
Product: Debt collection

I am writing in regard to an alleged account that originally reported as delinquent in XX/XX/2016. So allegedly the other account was reported delinquent in 2016 yet Portfolio Recovery is illegally reporting this debt and threatened to sue me having an illegal adverse effect on my name and background. The amount of threatening and harassing calls I receive from them is insane. Not only is it not my debt, but this is a really old debt per their records. Additionally, they are reporting to reporting agencies, consumer agencies and credit bureaus despite this illegal/erroneous debt being over 7 years delinquent. 

There seems to be on-going illegal patterns and practices and intentional systematic old debt collector activity that Portfolio Recovery Services engages in. They obtain erroneous/fake old debt list from creditors, change the date of delinquency or date of open of the debt then begin harassing and threatening consumers to pay. They have robo-calls call several times a day threatening to take legal action and harassing consumers. They illegally change the date on the debt so they can harass, threaten and attempt to collect for longer periods of time. This is illegal and they should be investigated for patterns and practices of abuse. 




FEDERAL VIOLATIONS The Federal Credit Reporting Act ( FCRA ) provides that adverse information can not be reported on a background check longer than 7 years from delinquency date, even when unethical debt purchasers purchase debts. Such purchasers of debts can not make up dates and start delinquency dates years from the original delinquency dates. Such debt collection practices are illegal and will be reported to Consumer Financial Protection Bureau ( CFPB ) for the agency to investigate patterns of illegal practices /class action litigation. They are violating my XXXX Rights by reporting erroneous, outdated adverse information on my background preventing me from obtaining employment. 


CALIFORNIA VIOLATIONS The new California Law requires that : All debt XXXX and debt buyers operating in California are required to apply for a license with the Department. A license is required to do operate, do business, and collect debt in the XXXX of California. 
The statute of limitations on debt in California is ( 4 ) four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. 


They are trying to collect {$11000.00} of money not owed to them
Product: Mortgage

House modification info. 

I am not sure you can help us but thought I would ask. We recently attempted a modification from ( 2nd time due to medical reasons, we had been approved for first mod., but had a medical emergency happen & hence a 2nd try for another modification ) of our Fannie Mae mortgage thru Ditech . We had got behind in payments due to medical bills that came up due to a medical emergency with my husband. In XX/XX/XXXX we met their representatives for a mediation & agreed to us doing an application for a modification. Then mid XX/XX/XXXX we began a modification that was drug out for almost 5 months. All along the way, the Ditech representative reassured me that everything looked good & that we would be just fine. It was never easy to get through to this representative & we always had to leave a message. We were continually asked for documents several times, as they would claim they never got what I sent. This one representative also told me that she alone had over 1000 modification applications that she herself was processing. At the end of the XX/XX/XXXX month, the representatives phone extension became non existent & I could not even call into the company as my calls were rejected automatically by the phone co. I used a friends phone & called & asked for the lady whom I had been working with for those 5 months & she no longer existed. All along this 5 months & before that, Ditech was adding all kinds of large fees to our account. Our mortgage balance went from $ XXXX to $ XXXX.,  My husband is XXXX & receives a pension & social security. This is a classic case of American Greed in our opinion, we are the little guy being squashed by corporate America. Have you heard other stories like ours? Anything your company could help us with? I know this is a long shot but saw an ad by your company. 

Your reply would be greatly appreciated. 

Thank You!! 



Sent from my XXXX
Product: Debt collection

Currently receiving phone calls and mailings regarding a debt owed to XXXX XXXX XXXX XXXX ( servicer ) to creditor : XXXX XXXX. The debt collector is Convergent. Convergent offers reduced balance amount of : XXXX. They claim a total balance owed of XXXX. 

Daily phone calls plus one mailing. 

I do not owe this debt, as this XXXX XXXX XXXX account is not mine. I did not open these accounts.
Product: Credit card or prepaid card

I had some payments to be returned. Those fees etc were included in the payment when my payment that went through was made. I waited the 14 days as laid out in the agreement. When I called to find out what the situation was, the representative told me that there was a 30 day hold to the account as stated in the agreement. I asked her to show me where it stated that. She advised me that it was not there, but it was something we should just " know. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Conformation Number : XXXX To whom in May concern : Equifax mistakenly deleted my accounts below. Please reinsert my open accounts on my Equifax credit report. 

Other Accounts : XXXX XXXX XXXX XXXX XXXX ( Please see attachment ) Revolving Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Installment Accounts : XXXX XXXX XXXX  XXXX Please add my accounts back on my Equifax credit report. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

I took out a 5-Year CD for {$250000.00} on XX/XX/XXXX with E-Loan ( now XXXX XXXX ) XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I was able to get online and see my account for three months then they locked me out. I called a number of times trying to get back into my account and got no help. On XX/XX/XXXX I was told that the new name was Popular Direct and that my account had been closed in XX/XX/XXXX and that they could not tell me where my money was or who had closed my account. I tried the email address I was given and it says " FRAUD ALERT ''. They have also changed their telephone number. I did receive my Tax form XXXX for year XX/XX/XXXX but not for years XX/XX/XXXX or XX/XX/XXXX. I have several screen shots where I set up my account. I am XXXX years old and this is my retirement money and I am getting very nervous.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ss # XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Remove Fraudulent Inquiries from Credit Profile Dear TransUnion Team , I am writing to formally dispute several inquiries on my credit profile that I believe were made fraudulently. Attached to this letter, you will find my FTC report, which supports my claims. 

The inquiries in question are as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX. XXXX XXXX XXXX XXXX inquiries ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715 719, which presumes that no proof of the alleged debt exists, nor does any such debt in fact exist. Therefore, I kindly request that you investigate these inquiries and remove them from my credit report immediately.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent inquiries have been removed. 

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

I am filing a second complaint against XXXX because incorrect information continues to show up on my credit report. As a result, this is causing me a great deal of anguish and frustration. Furthermore, it's causing me to have a low credit score which impacts my ability to get credit. I reported the same complaint on XX/XX/2018 and the information with regards to Wells Fargo remains on my credit report as being 120 days past due. The mortgage was modified XX/XX/2018 which brought the account current and placed the account under my ex name. Despite my continued efforts to get XXXX  to update their information they continue to reinsert incorrect information on my credit report. I would appreciate any help in getting this resolved.
Product: Vehicle loan or lease

In XXXX of XXXX, I, XXXX XXXX, took possession of a XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX, Colorado. Since then I have been the exclusive owner of this vehicle. Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by Porsche Financing XXXX who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform the Porsche Financing XXXX and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 Experian business XXXX. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me