23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Key bridge collection services sent me letter stating balance I had no ideal I would be responsible for the amount of {$560.00} it was during the covid-19 out break and I had been terminated from my employer on XX/XX/2020 and I came up with no benefits until XX/XX/2020 for XXXX and paid the balance in full please remove this account from credit file it's not fair.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that have appeared on my credit report. As a victim of a data breach, my personal information was compromised, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent items from my credit report : Fraudulent Accounts : 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 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: Student loan

My provider is Navient. They have been ridiculous to deal with over the years. I despise having them service my loans. Their website is unfair and deceptive and I believe purposely set up to make it difficult to figure out how to apply for a payment repayment program, forbearance, or deferment. I have been struggling to make my payments, but am single so my income artificially inflates my ability to make payments. I finally figured out how to contact Navient in XX/XX/XXXX of this year and was told the round about and difficult way to submit a forbearance request. They approved my request through XX/XX/XXXX. It is now XX/XX/XXXX and they are reporting me past due to the credit bureaus. When I log into my account, they show I have a payment due in XX/XX/XXXX. Not only do I have no payments due because of the forbearance, they never sent me a statement via mail or email to advise me of an upcoming payment in XX/XX/XXXX. Had I received such a statement, i would have contacted them immediately regarding their mistake. Now my credit has suffered a hit. They are in violation of Regulation Z for not providing a statement, FCRA for inaccurately reporting on my credit, and UDAAP for their terrible website as well as causing harm by incorrectly reporting my credit and not providing me the ability to prevent that harm due to their FCRA violations. This servicer of loans is absolutely terrible and I can not stand doing business with them. I hope that the CFPB will take a look into their unfair practices, but, as of right now, I want my credit fixed ASAP.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XX/XX/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: Checking or savings account

I opened an account with TIAA/Everbank , deposited money into both a checking and savings account, my debit card was activated and I really was not doing anything with the accounts, mostly just using for savinings, well without me knowing they locked the accounts, I have tried to get my money out by way of transfer, wire transfer and XXXX, but nothing, I have left numerous messages, emails and spole to people who say someone will call me, but been over a week and nothing. I want my money out of this horrible messy bank and an explanation as to why there has been no attempt at communication
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Credit reporting or other personal consumer reports

You, Experian, and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed fraudulent accounts that I did not open .these accounts are fraudulent and are negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX  County court house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called  XXXX  and Transunion on  XXXX / XXXX / XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information on my credit report.
Product: Vehicle loan or lease

XX/XX/2020 XXXX XXXX XXXX paid off loan {$28000.00} XX/XX/2020 XXXX XXXX auto pay {$630.00} from my checking account XX/XX/2020 XXXX XXXX assessed me {$28.00} non sufficient fund XX/XX/2020, I reached out to MB customer service. They will refund the {$630.00} but not the {$28.00} assessed fee. It does not make sense to me why auto pay was activated when loan is {$0.00}. This has caused an inconvenience to me during this pandemic crisis. Per customer service I need to call my bank regarding the NSF fee. There is no justification why they won't pay the {$28.00} it was their mistake. It's not a lot of money but it's the principle. 

Thank you for your time and kind consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance : {$540.00}
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX. Somebody else deposited 2 checks of XXXX dolars into my bank account for a product that I was selling. I have evidence of the checks, the checks were credited into my account for a total of {$4800.00} and I have a copy of the CHASE receipt the checks were deposited in the bank through a cashier based on what you can see in the receipt. The TOTAL amount of the money was credited on the same day the checks were deposited which was XX/XX/XXXX. The person then asked me to zelle him back {$1400.00} because apparently they had mistakenly sent extra money to me. We made a deal of the product 's cost of {$6000.00}. ( it was a jewelry necklace that's why they only sent part of the money to start its fabrication ). I did the transaction through XXXX through 2 bank accounts ( my husband and mine*as the daily limit for new transactions was only {$500.00} ). and 3 days later XX/XX/XXXX ( the bank did not notify me, only I found out when I was checking my transactions ) and found out that the checks were rejected. I called the bank JP MORGAN chase and they said there is nothing that can be done as I was the person that initiate the transaction even though they accredited the check completely on the first place. The bank did not open a case I went to the police station to file a report they are asking me for a bank 's letter staying that they rejected the two checks because they were fake however the chase representative said they do not write those letters and they can't help me. I need some help and guidance in this process. Thank you so much
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. 
The lender also has this file under review for a Short Sale option, this is considered to be Dual Tracking and is another violation to Reg X.
Product: Mortgage

To whom it may concern, I am a XXXX year old widow who tried to refinance my home, but was denied because I had gotten 3 judgments against me, after I had no income but soc. sec. I admit that was not a good thing, but could not be helped. I have not been behind on any house payment. My daughter had lived with me and was helping, but she passed in XX/XX/2013. All I wanted to do was lower my interest. We get these young people coming in and they can get it. Can you explain why we are being punished for trying to get ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to address the wrong fraudulent information on my credit report from Capital One however no matter how much I try and how much proof I have provided them they still are yet to take care of this issue promptly which is making my credit score suffer. 

You can Refer to the document I provide below & look specifically at the Capital One account of which I never opened. As I was a victim of Identity theft. 

Please help me solve this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( WELLS FARGO ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent out a dispute to resolve the collection in the amount of XXXX and {$680.00}. That was on my credit report. There was no resolve and XXXX still receiving collection notices every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation took more than 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collections on Credit Report Dear CFPB, I am writing to formally dispute the collections reported on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. I believe that these collections are inaccurate, and I request that your office investigate the matter thoroughly. The collections in question could be possible fraudulent activity due to a known data breach in which billions of individuals sensitive personal information, including mine, was stolen by hackers. Im also a victim of identity theft from previous years back. I believe my information was compromised, making me a victim of identity theft. The existence of these collections on my credit report is unjust and has caused significant harm to my financial standing. Under 15 U.S.C. 1681, I am entitled to the assurance that all information reported about me is accurate and verifiable. Given that my identity was stolen and used without my consent, the collections associated with this matter are neither accurate nor fair representations of my financial obligations. I respectfully request that your office : Investigate the collections and accounts below in question to determine their validity. 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 Contact the reporting agencies and collection companies to verify the accuracy of the information. Remove any unverifiable or inaccurate collections from my credit report immediately. Please note that as a victim of identity theft, I also request the CFPBs guidance on any additional steps I may take to protect my credit and hold the responsible parties accountable. The data breach law reinforces the necessity of addressing the consequences of such breaches promptly and effectively to minimize harm to affected individuals like myself. I look forward to your prompt response and resolution of this matter. Please contact me directly at XXXX if further information or clarification is needed. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed fraudulent account I had no knowledge of and didnt authorize.
Product: Debt collection

In 2013, I filed a state tax return in XXXX. My Federal return for 2013 was later amended. The transmission for unexplained reasons did not automatically correct my XXXX return. When corrected, the State of XXXX   said I owed additional tax. The respondent was not licensed in XXXX XXXX as a debt collector or attorney. The threatened to bring suit against me in XXXX where I did not live and actually stated that service of process on me at an address in XXXX that I no longer owned was " good service. '' They threatened to garnish my wages and never gave proper notice of my debts. They also denied me lawful appeal rights available through their client. I am out my legal fees of {$7500.00} plus statutory damages under FDCPA and emotional distress.
Product: Mortgage

Purchased the home on XX/XX/XXXX. Bank of America issued a 1st and 2nd mortgage. The 2nd is not a revolving, interest only loan, it is an amortized term loan with a balloon payment due in 10 years. ( XX/XX/XXXX ) We have never missed a payment or even been late in either the 1st or 2nd mortgage. The home was appraised by Bank of America above market value and has never been valued at or above the purchase price. Since the home value is below the total loan amount we are unable to refinance and pay the balloon payment. We have applied for a loan modification - simply asking to continue to make loan payments. Bank of America has given a preliminary approval of a loan modification if we make three monthly payments that are about {$450.00} higher than our regular payment. They will not disclose the make up of these requested payments. They will not tell us how much will be applied to principal, how much is interest and if there are any fees. They are also refusing to disclose the terms of the loan if we accept the modification. They are pressuring us to accept the modification with out full disclosure. I repeat, we are not delinquent with this mortgage or the 1st mortgage so there is no late balance due.
Product: Mortgage

I have been trying to order an appraisal that I will pay for ( request to remove PMI ) since XXXX XXXX. Through lost paperwork, wrong " action codes '' entered in their system and overall lack of response I am still sitting here on XXXX XXXX waiting for someone to just call me to set appraisal date. I did get a call from them on XXXX XXXX promising a call within XXXX business hours. No call. So since then I have sent multiple emails and left XXXX voicemails and response from them besides the automatex email responses.
Product: Debt collection

commonwealth finance at employee of XXXX XXXX XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 
I would like for them to take this off my credit report and do not try to put it back on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with 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.

M & T Bank, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

PLEASE HELP ME, THESE COLLECTION OR FRAUDULENT ACCOUNTS ARE NOT MINE.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX Balance {$3100.00} XXXX  XXXX Balance {$170.00} XXXX  XXXX Balance {$2800.00}
Product: Debt collection

This was reported to my credit and I was never noticed of the debt, the collection agency collecting in the debt is Jefferson capital for the amount of XXXX, reported XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used without my permission to open a fraudulent account and fraudulent inquiry with Equifax. I have contacted the credit bureaus, furnisher of data, federal trade commission, and police department to report the unauthorized fraudulent accounts below. I am demanding for the information to be blocked and deleted by Equifax per federal law FCRA section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. 

Please have this removed its been 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the Experian credit bureau XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a late payment with XXXX XXXX XXXX for the month of XX/XX/XXXX and it was updated incorrectly. 
All payments since XX/XX/XXXX have been made on time in the amount of {$700.00}. Payments were processed in time yet account showing delinquent for 1 month which is impacting my credit