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

This is XXXX XXXX and I am submitting this CFPB complaint addressed to the Credit Reporting Agencies to request that the Following Dispute inquiries were resulted due to identity theft. I was a victim of identity theft and that the disputed inquiries were never made by me neither anyone I authorized on my behalf. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following inquiries completey from my Credit Report as soon as possible. Also, the Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. I have read enough to understand my rights which is clearly being violated by the Credit Reporting agencies. Once again, I need the following inquiries to be removed completely from my Credit Report : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My loans were completely forgiven through the IDR adjustment on XX/XX/XXXX. MOHELA sent me a letter on this date to that effect, and both my MOHELA and studentaid.gov accounts show a {$0.00} balance as of that date. 

I filed disputes with all three credit bureaus on XX/XX/XXXX, as I was not seeing any movement of the {$260000.00} balance on my credit report and I am trying to buy a home in the near future. 

However on XX/XX/XXXX, I received notices from all three credit bureaus saying that MOHELA had affirmed the debt, the information had been verified, and my disputes were closed. 

I am dumbfounded. It has now been two months since my loans were forgiven, and theres no reason anyone at MOHELA should be telling anyone anywhere that I owe them XXXX, much less {$260000.00}. How can it be legal for a representative of the government to lie on its behalf?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Debt collection

A collection account opened on XX/XX/2020 with nationwide recovery systems for XXXX XXXX XXXX XXXX for the amount of {$260.00} was reported to my credit report for collection. I reached out to the 3 reporting bureaus asking to validate the debt. It came back as a valid verified debt with XXXX. The amount requested for the XXXX XXXX group does not belong to me. I do not have access to the full account number for the collection being placed in my name. I would like significant proof the services I'm being charged for belong to me. A type of date of the office visit, account number, verification of insurance information submitted. I have not received any statement from my health insurance provider. Please respond back with documents requested to my address you have on file.
Product: Credit card or prepaid card

I am writing regarding my chase sapphire reserve benefits department. On XX/XX/XXXX my rental vehicle was parked and was hit by another driver. I filed with eclaimsline under my rental collision damage protection on XX/XX/XXXX. It is now XX/XX/XXXX and they are still showing my claim is pending. I signed up for this chase sapphire reserve because of the rental collision damage coverage but they do not enforce e claims line to pay the benefits the cars advertises and charges a hefty annual fee for. I have tried repeatedly to reach out to chase card benefits and today spent 45 minutes in hold was transferred twice and no one ever picked up the line. The three prior times I have called they say they are sorry there is nothing they can do and they transfer me to a dead line. I am being billed for this vehicle repair and for the loss of use from the rental car company. I think this is false advertising and fraudulent. This service is not available to chase clients and they do not hold this company responsible but advertise them heavily as a benefit of the card. I am so far unable to get anyone to help me and I am reaching out for help out if desperation. I had all documentation to support the process I have gone through in an tempt to resolve this claim and have now spent over 14 hours total on the phone and emailing and am unable to resolve this. I have checked online and ecalimsline also called XXXX is the benefit administrator for chase they have a 1.2 rating on XXXX  and are not a XXXX  rated company. I have filed with thr OAG of Virginia where they are located and now need to know what I can do to hold chase accountable for the false advertising on their card benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX NO CONTACT NUMBER LISTED Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on ELEVATE RECOVERIES LLC Original Creditor : ELEVATE RECOVERIES OR XXXX XXXX XXXX  account number ISNT DISPLAYED with a balance of {$250.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

My original mortgage loan was transferred to Bay View Loan Servicing in XX/XX/XXXX, though I never asked to be transferred. Nothing but a horrific nightmare with Bayview to say the least. 

After much correspondence and an in person visit, there are still issues with my loan. 
Payments have been severely misapplied, even with direction as to what a Principal ONLY payment is, not interest or escrow. 

Bayview Loan Servicing changed its name to Community Loan Servicing, LLC in XXXX. My mortgage payments have been paid on time, before the due date. I've also paid more than the monthly amount due for over three years.

Bayview Loan Servicing is recorded on my property deed as of XX/XX/XXXX, and the company has not recorded anything else since that time. 

My mortgage loan was transferred to XXXX XXXX  XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX  XXXX XXXX XXXX is not recorded on my property deed as of XX/XX/XXXX at XXXX XXXX. 

On XX/XX/XXXX, I requested by phone to have my escrow account closed so that I can pay my property taxes and insurance myself. I was informed that my escrow account would be closed. On XX/XX/XXXX I received a letter that my PMI account could not be closed because I did not have one. I never requested information about PMI, only to have my escrow account closed. 

On XX/XX/XXXX I paid my XX/XX/XXXX Principal and Interest Only payment via online bill pay to Bayview Loan Servicing as I have done for over three years. Per a representative of XXXX XXXX  XXXX XXXX XXXX, they did not receive my XX/XX/XXXX payment. 

My XX/XX/XXXX Principal and Interest Only payment was made to XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. 

My XX/XX/XXXX Principal and Interest Only Payment was made to XXXX XXXX  XXXX XXXX XXXX, by money order ( dated XXXX XXXX ). The payment was mailed to and received by XXXX XXXX. The money order was also cashed. 

My payments have been very specific as to what amount is to be applied to Principal and Interest ONLY and what dollar amount is to be applied to Taxes and Insurance ONLY. 

Currently, I'm being harassed by XXXX XXXX XXXX XXXX XXXX, with threatening correspondence that my mortgage is behind. Repeatedly, I have requested that my escrow account be closed, due to the fact that Bayview Loan Servicing aka Community Loan Servicing, LLC consistently misapplied my mortgage payments. 

Bayview Loan Servicing has caused nothing but undue stress from the beginning in XXXX, now I have an even worse company, that is not recorded on my deed, attempting to unnerve me to my core and fraudulently take my home.
Product: Credit card

I've been with Capital one for ten years had to close out this account because of the payment date never could get updated because of the this I've asked to move the payment date because of my payment from social security comes on the third Wednesday each month I asked them to waive late fees and change the payment date so I can get back on track
Product: Debt collection

Upon receiving notification from my employer and letters from my employer stating Constar Financial services , LLC also know as XXXX are attempting to collect a debt.This company continues to burden me in trying to force with psychological, intimidation tactics or strategies. This company is a scam and trying to fraud me into paying for a fake or someone else debt. They need to STOP contacting me and my employer by mail and by phone number. I have no affiliation with or to this company or the debt they are trying to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im trying to report my credit card fraud I did try to fix this but what happened is I think someone out there has my information like my name or my date of birth but anyway I have 2 credit card on report but one of them always has the unrecognized charge all the time. I been changing the card 3 time now but that seems like its dont fixed the problem. I have 3 time unrecognized charge when the card are in my position how is that happening? So I guess that my information are out there how can I fixed it? 
Im was so worried that it will keep happening in the future, the identity thief are still can take the money out from my credit card all I can do is just keep the eye on my card and report fraud all the time when I see unrecognized charges that have make. And freeze my card when I didnt use it. I want my name to be clear. Please help
Product: Checking or savings account

I made a purchase from XXXX online using my chime account on XX/XX/XXXX. Part of my order was picked up on XX/XX/XXXX and the rest was cancelled leaving a remaining balance owed to me of {$28.00}. XXXX settled the transaction on XX/XX/XXXX, but instead of Chime returning my funds to me, they input the {$28.00} as a separate transaction from XXXX in my account. Instead of a refund my account now shows XXXX XX/XX/XXXX, XXXX but I did not make any purchases at XXXX on XX/XX/XXXX. Chime now says they take XXXX business days to return the money, even though on their advertisements they claim to never hold money. I would like to report them making fake transactions on accounts in order to hold funds from consumers longer than necessary. I contacted XXXX to verify the funds were released and they contacted chime with me on the phone. The XXXX agent confirmed for the chime agent that they released my money on XX/XX/XXXX, but the chime agent kept saying there was another transaction on the XXXX. The chime agent did not do anything except tell me to wait XXXX business days.
Product: Debt collection

A citation from the state of Texas was sent to my fathers address while I was living in Tennessee on XX/XX/XXXX. 

I responded to the citation on XX/XX/XXXX with affidavit to both lawyer of Cavalry portfolio svcs and the court, asking for a full validation of date. 

They responded with bill of sale of a pool of charged off accounts, statements, and credit card agreement pricing information. 

They did not provide the full validation of debt to prove i am in fact the debtor, including the original contract with a wet signature of the debtor.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I can not open checking accounts, says that I am in the XXXX XXXX XXXX  or chex system.. I do not own multiple bank accounts, I have frozen my credit and yet I'm told I am in the chex system or XXXX  I have asked for proof, and I even disputed this with the credit bureau 's ( XXXX, XXXX, etc ) and the information just remains as valid when it is not
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan on XX/XX/ as a personal Loan to assist my grandson with his debt. 
I have NO debt to my name except my Rental income. I am retired and I have income of over XXXX a month and my rent is XXXX a month. I am XXXX XXXX XXXX and a widow. I was declined for Debt to Income Ratio. 

Now I currently have a CD with this bank of over XXXX a Savings account of over XXXX. I own my vehicles and have perfect credit. The Bank has given me a XXXX with XXXX limit and a Overdraft Line of credit limit of XXXX. They both have a XXXX balance and I have barely used them if ever. They couldnt approve me for a loan? The only way they did say they would approve me was if I did it as a secured debt off off my CD amount ( which is up in 13 months ) but the loan had to be Paid in Full before it expired. Or they would take the money from the account. So the only way they would approve me is if it was SECURED? Now the girl who called to verify the loan data aske4d me about my retirements age and time since retired 3 times. 

I feel this is a clear violation of age discrimination. There is no other reason that the decline makes sense unless they had the money secured,
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA XXXX and regulations XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Vehicle loan or lease

Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.
Product: Debt collection

On XX/XX/2022 I received a letter in the mail from Unifin, Inc about an apparent past due account of mine they had acquired and provided payment options in the letter along with debt validation request instructions. I did not recognize this debt. On XX/XX/2022 I mailed a debt validation request letter to Unifin , Inc. It is now XX/XX/2022 and I have not received any sort of response from Unifin , Inc in regards to the validity of this debt. This leads me to believe that this debt can not be validated and is therefore an attempt to collect a non-verifiable debt and therefore an invalid debt. 

On XX/XX/2022 I received a letter from XXXX XXXX XXXX XXXX, after no initiation of contact on my behalf, about a referenced debt account being closed in their system, with no details on the validity of the debt. The account number referenced was the same account number listed on the Unifin , Inc initial letter.

I have still not heard anything from Unifin, Inc
Product: Credit reporting or other personal consumer reports

The business credit card Ive had through XXXX ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. Im not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing I cant have additional issues like business debt through a company on my report further damaging my financial situation