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

I am kindly requesting assistance from CFPB to please help me in REMOVING THESE FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS. This was my follow up complaint regarding the mentioned issue. And please assist me in making sure that the Experian and XXXX will finish removing the remaining fraudulent inquiries and the removal of the fraudulent inquiries from my XXXX credit report that the credit bureau itself neglected. Once again, these are the specific list of fraudulent inquiries in the specific bureau to be removed : EXPERIAN : 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: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Student loan

Asked to explain why the number of employer credits dropped. My count was XXXX and I kept arguing with Mohela about two months that were not counted. They stated my W-2 that was issued from Florida was not sufficient. I went to my Senator XXXX XXXX 's office for assistance. This was processed and my payment count went up to XXXX. I also submitted my current employer certification to get credit for XX/XX/XXXX to XX/XX/XXXX and Mohela representatives said that paperwork was processed but the payment count stayed at XXXX. No one at Mohela can explain to me how my payment count stayed at XXXX when its supposed to be XXXX. I feel like I'm being jerked around and they keep moving the goal post with no explanation. I also noticed that I am a class member of Sweet vs. Cardona and I have yet to see any forgiveness are relevant loans. I was on the phone for over 3 1/2 hours trying to talk to someone. I filed a complaint with Department of Education and received no response.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I requested a security freeze to be added by mail. The request has NOT been completed. I submitted all documentation required. 

According to the FCRA, per the consumer request, if there is a request by mail, the agency has 3 business days to add once received.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer reports, I noticed that I have numerous inquiries. I have been notified that my data has been compromised as a result of the XXXX data breach... I believe these inquiries are fraudulent and I am requested they be removed/deleted from my credit reports. The inquiries WITH MULTIPLE DATES are as followed : ****Experian**** 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX  XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

Im in the XXXX XXXX and I missed a few payments due to XXXX issues. 


In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX [ XX/XX/XXXXXXXX XXXX XXXX Re : Disputing error [ s ] on credit report Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ Equifax , XXXX , XXXX ] consumer report : Dispute Account Number or other information to identify account : XXXX XXXX XXXX XXXX, reported balance {$810.00} Dates associated with item being disputed : [ XX/XX/XXXX Explanation of item being disputed : [ Insert a detailed explanation of why the information is inaccurate. Choose one of the choices below if it fits, or add your own description. ] The report shows I currently owe money to your company that is not accurate. 

I have no knowledge of an account with your company. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Portfolio Recovery has three debts that are not mine. I have asked for the purchase agreement multiple times and they have tired to 2 weeks ago to garnish my gases on one the was over the statue of limitations, they have changed the dates and the amounts of debt that they say I owe. I have paperwork from XXXX XXXX, stating that in the investigation that was made, they found that this account was not mine, and it was to be removed and deleted off all my credit reports. XXXX is the only credit report that shows I have no collection due to again them trying to change the dates from XXXX to XXXX when they purchased the debt. I have communicated with both the debts before they were bought, and they both Say the last payment was made, in XX/XX/XXXX and with a totally different balance than what they have on their accounts, there is one account that the people went bankruptcy, so I am not able to speak with them, but the name is not my name my last name and they will not change anything. I dont understand why we dont have more rules for these agencies or help for the people that they are trying to push around
Product: Debt collection

Ive told them not to call. Ive told them Im not giving them the information. Ive told them to stop calling my mother. This company continuously calls my number numerous times every day. When I answer, because I do answer, they claim that they are required by law to go over a document with me and that they need the last four digits of my social security number. I continuously refuse to give the information they are asking because I do not feel comfortable doing so not knowing what this matter is even for. What frustrates me the most is that this company isnt only calling my phone, but they are harassing my mother as well. She told me that she gets at least 3 calls a day and they just keep asking where I live.
Product: Debt collection

This debit was presented on my credit file towards the end of XXXX. There was no previous record of this credit debit prior to this timeframe, although the origination and date of service reflects XX/XX/XXXX. The bill comes with various Doctor 's names from XXXX XXXX to now showing as a XXXX XXXX. 
The amount originally shows as {$1500.00}, {$240.00} and now is showing with the same debit collector as XXXX and {$250.00}, respectively. I spoke with a XXXX in XXXX of XXXX when I initially disputed the amounts owed. I requested verification of the debit, from the original Creditor, no such information was found or provided. 
I disputed the transactions again, XXXX. I was provided with an address : XXXX XXXX XXXX XXXX, SC XXXX and to address the dispute as Medical. I spoke with XXXX who stated I would receive correspondence via email regarding the initiation of my dispute. Again, this did not take place nor was the information I submitted disputing the charge was addressed. The Credit continues to XXXX my credit score as it continues to report the debit as delinquent. 
These medical bills are the only debits remaining on my credit that magically appeared only in XXXX. All other outstanding debits have been resolved/ paid. This is fraudulent and the reporting agency-DRS is propagating fraudulent activities.
Product: Bank account or service

XX/XX/XXXX/2015XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXXTo whom it may concern : On Sunday XXXX XXXX 2015 I went to the M & T branch located on XXXX XXXX XXXX, XXXX, XXXX XXXX at about XXXX and made a {$400.00} cash deposit and {$40.00} withdrawal at the ATM at that location. I checked my account on Monday XXXX/XXXX/2015 as I routinely do to see which bills cleared only to see all of my money was withdrawn out of my account. I went to the M & T branch located on XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX about the fraudulent activities. She told me she was going to cancel my card and I needed to come back on Tuesday XXXX/XXXX/2015 when all the charges was cleared for her to file a claim on my behalf and that i was going to receive a refund within 24 to 48 hours. As of Tuesday XXXX/XXXX/2015 I have n't received a new card or a refund for the fraudulent charges on my account. I called XXXX and inform her on XXXX/XXXX/2015 that I have n't receive a refund and was told the bank is going over the videos and that I was going to be contact via a letter. I am very disappointed in the way my case is being handled M & T does n't not value or protect their customers from scams such as what I have encountered. I called and spoke to XXXX ID # XXXX over the phone on Tuesday only to be inform that a refund of this sort takes 10 business days and that M & T has sent a letter requesting more information I do n't have any other information to provide ; I 'm looking for M & T Bank to give me more information as to why it was so easy for someone to access my account and withdraw all of my money no one knows my pin number and the card was in with me how can someone be able to access my account ; I need M & T to tell me why all of their members do n't have a more secure and protected ATM cards. I 'm sure I 'm not the first customer to experience this kind of situation my question is why do we the customer have to suffer and wait two week for M & T to investigate fraudulent activities because they did n't not send all of there member a secure card with a chip when they are well aware of how advanced these scammer are. XXXX/XXXX/2015 I reach out to M & T again about my refund only to be told it was denied I have since reopened the case because they have to refund me all of my money and overdraft charges what is my next step do I need to file a court case against M & T bank to get my money back I need help. I 'm going to make sure to tell all my family and friends and anyone I come across to never bank with M & T bank they do n't value there customers and our money is not protected. 

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

I currently have my federal loans in borrow defense since XXXX the XXXX XXXX ones are private loans. this company has closed this account and wrote it off and yet continue to report as delinquent to the credit bureau which brings down my credit. They have used a few collection agency to go through to try and collect money and I sent out a validation letter to the companies and I have dispute it from the credit bureau. The credit bureau nor the collection agency is able to validate any of my information which goes against the FCRA law. I found out that the borrow defense does not apply to federal loans and told me to contact you guys due to borrow defense claims with XXXX XXXX. They just reported it delinquent yesterday XX/XX/XXXXwhich goes against my letter that I sent. I am very upset with this company. I would recommend NO one to use this company EVER if they need a loan.
Product: Mortgage

In XX/XX/XXXX we entered into a forbearance plan for the months of XXXX, XXXX and XXXX. My mortgage company PHH Mortgage called me in or about XX/XX/XXXX. I was informed that the FHA insurance had been approved to cover the XXXX through XXXX amounts. I was told to resume my payments on XX/XX/XXXX. I paid my mortgage payment as agreed XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this time I received calls from PHH. In late XXXX PHH said that they did not receive documents from me. I told them I sent them in the self addressed stamped envelope. They sent new documents for me to resign which I did. I also had tracking placed on this return envelope. I talked to PHH again on XX/XX/XXXX at when I was told everything was in order again. Then as I began to make my XXXX payment it would not take my payment. I called on or about XX/XX/XXXX I was told the notary on the previous document was no good because the doc had my name as XXXX XXXX and I signed in front of the Notary as XXXX XXXX XXXX ( which is the name on my deed and how I have signed my name since I was 12 ). I sent up an appointment with a loan specialist on XX/XX/XXXX, I was told they would send a new packet for me to start over and that I would have to do another forbearance. So feeling like I might be in trouble I agreed. I never received another set of papers to start the FHA insurance claim again. They never arrived so on XX/XX/XXXX I called PHH again where the person told me they did not need to send paper he could do the claim over the phone. I did this and he told me to call back in about 10 days. I also discussed the fact that my credit report was reporting me 120 days late and I felt that this was bordering on negligence maybe even criminal. On XX/XX/XXXX I called PHH again to check on the claim. I was told it was still pending and they would have a relationship manager call me on the XXXX of XXXX at XXXX. They also said they had not addressed the credit reporting of my mortgage. This continues to go in circles, the left hand knows not what the right hand is doing at PHH. I am able to resume my payments but can not get anything straight from PHH. This is resulting in stress over my family home and a bad mark on my credit report. Maybe the CFPB can help to get them to resolve this matter and stop sending me from agent to agent to hear a different excuse and kick the can down the road.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

All monies reported to be returned and refunded back to me.!
Product: Checking or savings account

I am an XXXX  who files legal documents through an electronic portal called the XXXX  XXXX XXXX. If a fee is associated with a filing, then I pay that fee through the portal by a withdrawal from my professional checking account at Chase Bank. Recently, the portal informed me that it would be using a new payment processor and that I should confirm with Chase Bank that no " debit blocks '' were associated with my professional checking account. 

On XX/XX/XXXX, I entered the Chase Bank situated at XXXX XXXX XXXX XXXX in XXXX, Florida, to discuss the foregoing. However, the employees at that bank refused to discuss the matter with me and informed me that I must make an appointment for a later date to discuss the matter. 

Since I first opened an account at Chase Bank two years ago, the bank has become much less accommodating to depositors. An employee of Chase recently informed me that Chase has decided to focus on commercial transactions which I interpreted as commercial transactions of " large value ''.
Product: Debt collection

We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.
Product: Debt collection

This company has called me XXXX 's. Last 2 dates I documented as follows : XX/XX/XXXX & XX/XX/XXXX. Name of company : Professional Credit Service Ph : XXXX. XXXX time they called REFUSED to give a name of the agent who called. Very rude, mean, harrassing me! Threatening in nature over phone saying that " I 'd " better cooperate " or else '' when I 'd ask " or else what? '' all I was told was exactly " I better know what was good for me! '' Really, I was too stunned & floored! I was hounded for confirmation of my complete address, birthdate, birthplace, mothers maiden name, fathers name, SS #, place of employment -I 've been XXXX since XX/XX/XXXX & have n't had a paycheck since & have n't drawn SSD until XX/XX/XXXX, if this was a " legit '' bill collection agency would n't they have ALL this info already & how do I know they are not trying to scam me? I 'm from Missouri, so as the saying goes, " SHOW ME ''! I REFUSED TO PROVIDE ANY INFO BECAUSE THEY REFUSED TO BE FORTHCOMING WITH ANY INFORMATION AT ALL! I HAD NO IDEA WHO THEY WERE, WHY THEY WERE CALLING OR FOR WHAT PURPOSE WHATSOEVER! I HAD NOTHING TO GO BY! WHY SHOULD I JUST " WILLINGLY " HAND OVER ANY & ALL MY PERSONAL & PRIVATE INFORMATION SO THEY COULD COMMIT INDENTITY THEFT? NOTHING DOING! I INFORMED THEM THIS CELLULAR PHONE NUMBER THEY WERE CALLING HAS BEEN REGISTERED ON THE NATIONAL NO NOT CALL REGISTRY SINCE XX/XX/XXXX NON STOP AND THAT SINCE XX/XX/XXXX IT 'S BEEN AMENDED THAT ALL SALES TELEMARKETING AGENTS AND COMPANIES, ROBOCALLS, BILL COLLECTION AGENCIES ARE FORBIDDEN TO CALL UNLESS THEY HAVE OBTAINED EXPRESS WRITTEN PERMISSION BY ME TO DO SO AND THAT ANY PRIOR WRITTEN OR VERBAL AGREEMENT BY ME IN THE PAST PER THE XX/XX/XXXX LEGAL LAW AMMENDMENT PASSED BY THE TCPA & FCC & FTC I MAY REVOKE AT A MOMENTS NOTICE IF I FEEL I 'M BEING G UNFAIRLY HARRASSED & I NOTIFIED THEM PRIOR TO & THEN AGAIN XX/XX/XXXX & XX/XX/XXXX THEY DO NOT HAVE PERMISSION TO CONTACT ME AS THEY ARE HARRASSING ME & ANY AUTHORIZATION THAT WAS GRANTED PRIOR TO THIS UNKNOWN & UNHERD OF " PROFESSIONAL CREDIT SERVICE '' HAS BEEN PERMANENTLY REVOKED & I JUST UPDATED THAT TO REFLECT TODAY 'S DATE XX/XX/XXXX @ XXXX PER LETTER TO CONSUMER FINANCE.GOV. 
XXXX Thank you XXXX XXXX XX/XX/XXXX XX/XX/XXXX ET
Product: Credit card

I have a a balance transfer promotional rate with Capital One Savior One credit card. The end of the promotional rate date is not provided in the monthly statements or anywhere on my online account. The only way to get the rate was to call in or find out the hard way when the interest charges kick in. This seems intentionally deceptive and meant to generate additional revenue. The monthly statements should clearly state when the promotional rate ends so consumers have time to begin to pay down the debt.
Product: Mortgage

Dear CFPB, Our mortgage loan is held by a company called Select Portfolio Servicing ( SPS ). We fell behind on our payments this year after I lost my job, and we are ( technically ) in default. We attempted to obtain a loan modification from SPS, but they refused to work with us, not willing to make any compromises on our previous predatory loan terms.

Earlier this year, a wind storm damaged our roof beyond repair. We took out a construction loan to replace our roof, and we also filled a claim with our XXXX XXXX homeowners insurance. Of the {$6100.00} XXXX XXXX allocated to replace our roof, our insurance coverage paid {$4300.00} with three separate checks. On XX/XX/XXXX, my wife and I both endorsed these checks and sent them to XXXX ( Hazard Insurance Claim Dept. for SPS ) along with all the other ( extensive ) documentation that SPS request concerning the roof replacement. 

In the meantime, we paid our roofing company the entire cost of the roof replacement from our roofing construction loan. Now SPS refuses to release the {$4300.00} in insurance remittances we sent to them nearly 3 weeks ago. Every time we call these guys to get our money, they come up with a new ( creative ) excuse why they can't release these funds.

We have another claim for interior damage for which we have yet to hire a new contractor, and we are worried how we will pay this new contractor when SPS deliberately delays the return of our insurance reimbursements. How are we supposed to pay our contractors with SPS sitting on our insurance money for such an extended period of time? 

Sincerely, XXXX & XXXX XXXX
Product: Credit card or prepaid card

XXXX solicits consumers who sign up for their credit report services with credit card offers from their " advertising partners '' where XXXX states they have used their advertising partners approval criteria and information from my credit report to present an offer to apply for a credit card where XXXX presents a percentage chance of approval or gives a " matched to you '' rating for the offer, as the highest possible chance of approval. 

Three times I've applied for cards via applications that XXXX has presented to me with the highest rating for approval as " matched to me, '' and three times, the most recently of which being by Wells Fargo, I've been declined, with the specific reason for each declination being information contained on my XXXX credit report. 

This has resulted in 3 recent inquiries on my credit report, which has lowered my credit score, and that has resulted in a lowering of my credit rating from " very good '' to just " good. '' What XXXX and their " advertising partners '' are doing is misleading consumers into generating inquires of their credit report, which makes money for XXXX, and costs consumers by damaging their credit score, instead of opening a new account, which would improve their credit score.