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

3 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX   Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual   XX/XX/XXXX XXXX Banks Individual XX/XX/XXXX XXXX   Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX  Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has 3 cards. I never had XXXX XXXX XXXX XXXX not mines XXXX Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX  2 Automotive  Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Individual XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, i sent out dispute letters to dispute inaccursies on my credit report. I explained in my dispute letter I have not received my billing statement within 21 days of my statement balance being due, under 15 usc 1666 a and b, because of that i noticed my XXXX  account reported multiple late payments and after sending them a dispute letter stating my reason for dispute and holding them to the FCRA standard and they failed to due an investigation within 30 days and notify me. I sent out a letter again just recently and this time certified the mail just to ensure they get this before I notified you all.
Product: Credit reporting

Factual Data and XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
Product: Student loan

On XX/XX/2024 I received a letter stating my XXXX XXXX loans qualified for a full discharge. My loan servicer is Nelnet and while these loans still appear on my account and credit report, my borrower 's defense application does show as pending discharge on the XXXX website. 

On XX/XX/2024 I received a letter from Nelnet stating I may be owed a refund. It instructed me to verify my address and stated within XXXX days of address verification, I will receive a refund in the mail or a letter stating why I do not qualify for XXXX. I verified my address via phone on XX/XX/2024. 

The XXXX days have passed and I have received no refund or information. I called Nelnet and all they could tell me is nothing would happen until my loans we're discharged. Why would they list a XXXX day window on their letter if they did not intend to uphold that timeframe? I also emailed Nelnet for an update and never received a response.
Product: Credit reporting or other personal consumer reports

I received two inquires from XXXX XXXX XXXX without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting my credit report
Product: Credit reporting or other personal consumer reports

I have a defaulted loan on my credit that doesnt belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Affidavit Sent to Bureau Proof of Identity Theft and Demand  for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Demand for Response Letter My name is XXXX XXXX. I am contacting you on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 4 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 

-Attached is identification and Affidavit
Product: Credit reporting or other personal consumer reports

Aqua Finance does not report to the credit bureaus each month. I complained to them and they said they do, but each credit bureau is telling me that they have not reported, one since XXXX, one since XXXX and the other since XXXX. I have paid over {$10000.00} on that account since then and would like the information to be accurate since this is affecting my credit score negatively.
Product: Mortgage

I was informed that I owed on a mortgage on my property in XXXX XXXX, MD in XX/XX/XXXX. I immediately filled paperwork for a mediation as well as spoke with various attorneys to figure out what was going on. In XX/XX/XXXX my house caught fire and burned to the ground and is a total loss. Everyone was notified of the complete loss. Academy Mortgage continued to insure for a dwelling in XXXX, XXXX and currently in XXXX when no dwelling exists on this property due to the catastrophic fire. The insurance company paid Academy XXXX in three payments in XXXX of XXXX, which are still as of XX/XX/XXXX in a restricted escrow account. Academy continues to move forward with a foreclosure on this property even after agreeing to enter into settlement negotiations as it was proven that I did not actually have a mortgage on this property, and that it was taken out by my ex husband and his girlfriend to obtain permanent custody of my son which didn't happen. On XX/XX/XXXX I requested a payoff letter on instructions from my Corporate Attorney as we have a buyer who is interested in purchasing the property. I called the following number XXXX and followed the prompts for a payoff letter. I then was routed to a customer service XXXX XXXX XXXX XXXX XXXX who instructed me that she could not send a payoff letter as she couldn't speak to me about this account which is in direct violation of Federal Law as they believe the account to belong solely to myself as evidenced on all correspondence sent to me by their organization. Therefore I am submitting this complaint so that someone can help to sort this out and get this Mortgage company to either payoff this supposed outstanding loan or send me my XXXX that I am owed from the proceeds of the insurance payoff from the fire they are holding in my name in escrow.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has  been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

I tried, as directed on the FTC site, to send them a letter asking them to stop contacting me ... Sent it by certified mail as directed ... but they refused delivery..last person I contacted on the phone about this " debt '' told me they had no record of it ....
Product: Money transfer, virtual currency, or money service

i Want all of my money back for every stupid XXXX  transaction you guys sent out all of the XXXX ive been going through me thinking its just a bug and itll get fixed im out of XXXX of dollars because of you random money being sent to people allot of weird XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX service account ( account XXXX XXXX XXXX XXXXXXXX ) setup at my apartment at XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, MD, with a reoccurring bill of {$69.00}. I had that account setup for auto pay, and paid every single month I before I moved. Upon moving on XXXX XX/XX/year>, due to XXXX  requirements, I requested to terminate service on XXXX XX/XX/XXXX and got a confirmation of such termination ( see attachment ). Recognizing I will still need to pay for the month of XXXX, I submitted the final payment of {$69.00} on XXXX XX/XX/XXXX ( see attachments of email and bank activity ). XXXX still did not close my account after payment for whatever reason, did not process my payment ( when it had already been deducted from my bank account - see bank activity ) and I requested to cancel my autopay on XXXX XX/XX/XXXX ( see attachment ) due to my account still being open due to their negligence, as Ive had experience with companies charging again if your payment method is still on file. I returned the equipment I had from them on XXXX XX/XX/XXXX ( see attachment ), and my business with them should have been done. 
On XXXX XX/XX/year>, I login to ensure they had closed my account and it was still open with them saying I had a balance of {$69.00} ( I do not have a screenshot of this unfortunately ). Frustrated with their handling of my account and I called them, jumped from service advisor to service advisor and the one that ended up supposedly resolving the balance issue that I had interpreted as them rectifying the problem ( see attachment ). Again, I had already sent them the final payment and had been deducted from my bank account. I had then went underway on military duty from late XXXX until XXXX and did not have email access during that time. I return to find out I had an unpaid balance still on an account that shouldve been closed and the XXXX of only negative credit report on my credit, ever. I, again, reach out to XXXX even more frustrated, and find out that customer service rep back in XXXX XX/XX/XXXX XXXX  returned my final payment to my bank account ( NOT on my request ), leaving my account that shouldve been closed on XXXX XX/XX/XXXX still open now with an additional {$9.00} for late payment totaling {$78.00}. The service rep recognizing that THEY, not me, had messed up refunded me the {$9.00} late payment and I payed the {$69.00} original again without issue. By further investigating my credit I learned that XXXX sent this account to collections and my credit score dropped XXXX XXXX  ( see attachments ) due to THEIR negligence, mishandling of my account, and their extremely poor customer service. I have never had any negative activity for late payment ever in my entire credit history. This account was {$69.00} on autopay and they sneakily sent this to collections and never would have been an issue if not for THEIR negligence ( which, again, they recognized by refunding the late payment fee of {$9.00} when I called them to find out about all of this.
Product: Debt collection

I filed a complaint against national credit systems and XXXX XXXX XXXX, on XX/XX/2023. File # XXXX. 

NCS response was that they are a third-party collection agency that now takes full ownership of this debt, and sent an 189 page attachment of a leasing contract. 

This debit is for an eviction. XXXX XXXX XXXX illegally evicted me from my unit. There is no eviction letter, and no eviction filed against me in the magistrate court of XXXX XXXX. 

I am requesting the eviction letter that validates this debt. If the documents can not be provided. I am requesting immediate deletion of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX XXXX  ran a hard inquiry on my credit. The creation of my new joint checking account with the Bank was completed on XX/XX/2018. However, as I was signing up for the joint checking account there was no note that a hard inquiry would be ran in order to approve the creation of the account. This unauthorized inquiry into my credit has lowered my credit score. Additionally, I have attempted to fund my account and have started auto-deposits from one bank to XXXX XXXX, and have yet to see it be reflected in my account. To date I have funded the account with {$500.00} that appears as deducted from my origin bank account but does not appear in my XXXX XXXX account.
Product: Money transfer, virtual currency, or money service

This is related to CFPB case XXXX. On XX/XX/2018 I approved a wire in the amount of {$8000.00} USD to be transferred to an individual in XXXX. The funds were supposed to be available to the individual in XXXX no later than XX/XX/2018. That did not happen. On XX/XX/2018 I requested a return of funds. CFPB case XXXX related to the delay in receiving funds. My account now shows that I received {$7500.00} for the wire transfer. This means that I have lost {$480.00} for a transaction in which SunTrust didn't fulfill its end of the deal ( i.e., the funds were not transferred to XXXX by XX/XX/2018 ). In addition, the transaction cost me {$50.00} in fees. While SunTrust responded to the last CFPB case, they did not provide me the telephone number of email of the employee ( i.e., XXXX XXXX ) who responded to my complaint. This type of client service is entirely inadequate.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024, and I noticed a few things to be incomplete and not accurate. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it shall follow certain procedures to ensure that the information that they are reporting is true and accurate for whoever the report relates to. 

This account XXXX XXXX # XXXX is not complete and accurate 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. 

Check the attachments below :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report.

Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.
Product: Debt collection

BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.
Product: Checking or savings account

All my money has been stolen. I am living in the streets because if this. Just help me please. I'm not phone savwy so help me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representative Subject : Dispute of Credit Report Information and Request for Description of Procedures I am writing to formally dispute the accuracy of specific information listed on my credit report. The disputed item ( s ) are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX Incorrect balance of {$22000.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Amount financed is {$23000.00} and your are reporting {$22000.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures used to investigate my dispute, including the methods used to verify the accuracy of the information provided by the data furnisher. I have attached supporting documentation that validates my claim, including ITEMIZATION OF THE AMOUNT FINANCED. Please use this information to assist in your investigation. In accordance with FCRA requirements, I expect a response within 30 days. Additionally, please send me a copy of the updated credit report once the investigation is complete. Thank you for your time and attention to this matter. Please feel free to contact me if further information is required. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase AARP rewards point program. 

Had this credit card for over 10 years, building up XXXX points. Stop using card in XXXX but kept card open waiting to use for travel because points are worth 10 % more. During covid 19 ( XXXX ), Chase claims to have sent a letter that they are closing the account in 30 days due to inactivity. Never saw it. 

Went today to use the points and they are gone. Card closed. Chase management says nothing they can do since account was closed in XX/XX/XXXX. They took {$1100.00} ( cash value ) from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report has not updated since XX/XX/XXXX, and is currently showing empty. I am XXXX years old with credit dating back to age XXXX. I've reported this to them on 4 separate occasions and was told it was being " escalated. '' The escalation ( Case No. XXXX ) finally happened and was documented on XX/XX/XXXX. 

As of today, XX/XX/XXXX, there has been no resolution or movement on this issue. I was told there are no additional persons to consult other than the first line support. When I insisted on speaking to a supervisor I was on hold for over 2 hours until the call was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote 2 letters to all 3 major credit bureaus to remove all extended fraud alerts and regular fraud laerts and the companies still have not removed the alerts. I sent the letters in XX/XX/2021 and XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I did not authorize or have any knowledge of the two inquires on my credit file XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS RELISTED ACCOUNTS THAT WAS REMOVED FROM MY CREDIT REPORT THESE ACCOUNTS ARE FRAUDULENT ACCOUNTS THAT WAS NEVER OPENED BY ME IN THE FIRST
Product: Credit reporting or other personal consumer reports

Experian has given me a poor experience of the dispute process related to two credit card accounts reported incorrectly. 

Experian has received disputes about the XXXX card four times, and the XXXX card has been disputed four times. Each dispute result reaffirmed the inaccurate derogatory reporting. The disputes detailed that these two accounts were paid in full and not included in bankruptcy. The dispute process only added the positive paid history or changed the date of delinquency from XX/XX/XXXX to XX/XX/XXXX, while XX/XX/XXXX is the date that the account was last used for activity and paid in full. 

The dispute process with Experian did not investigate this reported data to confirm it was accurate. 

After four chances to correct my reported data, I submitted a complaint with the consumer finance protection bureau with the two credit card companies. These accounts have been updated as paid in full and do not mention bankruptcy at all. Experian has not updated these accounts, and they have had 15 months to fix these accounts; prolonging the update is unnecessary. 

My complaint is that Experian is in a position to report accounts that belong to me for the use of creditors and this information reported is not accurate. Additionally, Experian has not updated the reports even though XXXX reported the correct information on XX/XX/XXXX and XXXX reported the update on XX/XX/XXXX. Experian is the only agency that has not updated my report to reflect the correct information.
Product: Debt collection

PDQ called my mother. Asked was she XXXX XXXX XXXX XXXX XXXX XXXX  without verifying if she was my Wife or other relative and proceeded to tell my Mother how much I owed and why they were calling. I am not a XXXX My mother had no idea I had debt. Why was this done? Will send a stop communication unless via letter directly addressed to me and only discussed with me today.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted.
Product: Credit reporting or other personal consumer reports

I looked at a copy of my credit report recently and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to insure accuracy. 
The item that I am asking you to verify as accurate is : XXXX XXXX XXXX XXXX