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

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank has been repeatedly reporting various accounts including closed accounts that were discharged in a bankruptcy to all 3 credit bureaus showing the account holder ( myself ) as deceased. I have disputed this over and over again to all 3 credit bureaus and with synchrony bank ( when I can get a hold of someone ). I have no answers as to why this keeps happening and it keeps causing me to have no credit score. This feels like harrassment from synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX to get my lost card .However, I talked to supervisor who decided they would help me with the removals of the late payments as we were talking she agreed to remove late payments of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

We talked about our kids our relationship with credit improvement and other potential good things coming up in our life XXXXShe told me she would transfer me to department to get them removed. 

She even told me it help boost my scores once they removed them. 
She told all they do was remove the late payments. Then once I transfer I told another story. 

Again I wasn't calling about late payments this agent wanted to help and told me they remove them. I was very upset I stayed on the phone with them for 3 hours got transfer 4 times and no results as promised. Then another supervisor told me file a complaint against the company so I am doing so now he said if I was his family member he file a dispute against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX/XXXX XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX-XXXX
Product: Student loan

Issue XXXX : I am awaiting a refund i requested on XXXX XXXX from MOHELA for all student loan payments made since XX/XX/XXXX. That is 77 days ago as of today to give me back about XXXX in payments, which is unacceptable. 

Issue XXXX : I have been in federal service since XXXX and have 138 qualifying payments under PSLF, verified by XXXX, my prior servicer, in early XXXX, yet I am STILL awaiting final review for the limited waiver to add 19 more payments to my total. And of course Im still awaiting forgiveness of my loans. 

My loans should never have been transferred to MOHELA yet here we are. They were transferred in early XXXX despite XXXX telling me i had made more payments than needed for loan forgiveness and i should have been processed by the dept of ed for forgiveness. 

Now i sit and wait. Every time i call MOHELA it takes at least two hours to talk to a human about my status. Once i get that far theyre completely lacking in actual information about what is going on. That usually leads them to transfer me to a supervisor to wait for hours more on hold without ever getting someone who knows what is going on or that can help me. The fact that they continue to get paid by the federal govt to service loans that should have been forgiven in XXXX is unbelievable and a waste of taxpayer dollars. Properly staff the call center if you anticipate high call volumes. Be competent. This is XXXX, get it together. 

After 4 hours on the phone with MOHELA two weeks ago they finally informed me my loans were sent direct to discharge by them to dept of ed. as of XXXX XXXX. Can i even trust that this has happened? All i have is a verbal from them, no actual correspondence. How is this acceptable? 

When will i get my covid refund? When will the limited waiver be applied to add 19 more payments to my total? When will my loans be forgiven? When will i get my second refund for the 19 extra payments i made per the limited waiver rules? 

These folks owe myself and others competent and timely assistance. Im not seeing it so far.
Product: Mortgage

Six months ago I submitted an application for a loan modification after I had XXXX problems and XXXX renters who gravely violated the lease with not paying their rent, leaving debris and garbage all over the yard, inviting other folks to live with them, bringing in a trailer for even more people to live in, growing drugs and destroyed the electric meter by trying to slow it down. Spending over three months and expensive attorney bills to get them out, another month to clean and repair, replace appliances and find new tenants.
Product: Credit card or prepaid card

Date Reported XX/XX/XXXX Payment Status 120 Days Late Amount Past Due {$170.00} Account Details Bureau Name CAPITAL ONE BANK USA NA Account Type Credit Card Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit {$300.00} Credit Used 135 % Highest Balance {$420.00} Payment Details Amount Past Due {$170.00} Date of Last Payment XXXX XXXX XXXX Monthly Payment {$25.00} Payment Frequency Not Reported On Time Payments 50 % Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX XXXX Original Lender 11 XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 9 Months Credit Limit Not Reported Highest Balance {$1500.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX XXXX Original Lender 10 XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$350.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported
Product: Mortgage

Yes I got contacted and the lender at MTH says Im not qualified and denied due to no income proof. Even when I provided my SSI as my only resource of income. He told me its not. I do not qualify with an SSI income.
Product: Credit card or prepaid card

On XX/XX/2023 i got robbed in a store and all my credit cards were stolen with my wallet. 
I called police and case was opened. 
After talking to Huntington Bank customer service support and providing all information they needed my case was closed without any explanations. 
I provided police report and case number from other banks credit cards that were stollen at the same time. Other banks refunded my money within 3 days, but Huntington Bank is not contacting me back and not resolving this problem for 3 weeks.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple inaccuracies reported on my TransUnion, XXXX, and XXXX credit reports. These inaccuracies include fraudulent accounts, unauthorized hard inquiries, and outdated or incorrect personal information. Despite providing supporting documentation, including an FTC Identity Theft Report and proof of identity, TransUnion, XXXX, and XXXX have failed to resolve these issues in a timely and accurate manner. I am requesting the immediate removal of all fraudulent and incorrect information pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card

I did have legitimate dept with credit card company and there was an agreement to make payments for a lesser amount 9 payments {$410.00} each 8 payments were made and there was a financial transfer issue with my bank were funds were not available for the 9th payment and the credit card company did not reach out to me and let me know they didnt receive the payment.I received a notice from a XXXXXXXX XXXX XXXX stating I owe the full amount of the dept I replied back with payment of {$410.00} and checked off the box marked final payment they cashed the check and later sent summons for full amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by XXXX XXXX  because Transunion credit is reporting incorrect information and refuses to send me a credit report where I can refute this information. This happened on XX/XX/2020. They will not provide me a free credit report since I was denied credit through their reporting. They have a XXXX credit card which I have never agreed and list other incorrect information on my credit report and is reporting incorrect information about my XXXX XXXX  credit card reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three hard inquiries on my XXXX  credit report from Bank of America. I did not apply for credit with this company. I called XXXX  and bank of america to dispute the inquiries but have not had any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters and disputing an issue on my credit report since XX/XX/XXXX My student loan was being serviced by XXXX soon after moving to NYC I place the loan in forbearance. Within the forbearance time, I received an email encouraging me to lower my student loan payment by allowing this organization to take over the loan, which I did. A year or two after this time frame I notice a 60 day late on my XXXX  student loan this is around XX/XX/XXXX I made several calls explaining that not only had the loan been bought out but that it was in forbearance. My pleas were ignored and so I began to challenge it with all 3 of the credit bureau. About every 3-4 years I get a period where I have the time to once again attempt to fight this issue. I have used several credit repair companies with no results. When the issue is disputed XXXX moved the date of the claimed offense. I spoke with an attorney today from XXXX XXXX and found out XXXX has now moved the claimed offense to XX/XX/XXXX. I have not had an account with them since the transfer which was done in XX/XX/XXXX. I am also told by the lawyer that XXXX is not obligated to send me nor the credit repair agencies ANY documentation of proof, but rather just tell the credit bureau that they are right. I question not only the legality but the fairness. It appears that I have no defense in addressing this issue. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : On XXXX/XXXX/16 ( Thursday ), I called Carrington Mortgage Services informing them, I would be sending {$7000.00}. The person I spoke with, asked if it was possible to send {$7100.00}, this way I would only be one month behind and this would stop foreclosure. I told her I could send the amount she stated. I was given XXXX options of making the payment. On XXXX/XXXX/16 ( Saturday ) I sent {$7100.00} XXXX XXXX. XXXX XXXX was unable to send the money all in one payment, so the payment was broken into two payments. On XXXX/XXXX/16 ( Monday ) I called Carrington Mortgage and spoke with someone who told me my payment of {$3500.00} was return and foreclosure procedures began on XXXX/XXXX/16. I expressed that I sent two payments in that amount, which totaled {$7100.00}. She stated, I would receive the foreclosure information and she would also send the information to my email address. I yet to receive the information. I decided to call back later in the evening ( XXXX/XXXX/16 ). When I spoke to this person, she stated they wanted the payment in full and not in two payments. I then expressed, that I did what I was instructed to do. The option I was given, was XXXX XXXX and it 's not my fault they were unable to send as one payment. I was still unsatisfied, so I decided to call XXXX/XXXX/16 ( Tuesday ) and ask to speak with a supervisor. The person I spoke to wanted to know the reason, I explained the situation once again and was put on hold. When the person returned they begin telling about the foreclosure. I told them this is why I wanted to speak with a supervior. I was placed on hold and once the individual returned, they stated there was no supervisor available. I said there has to be someone above her. What seemed to be long, to me someone came to the phone. The first thing was said, was you sent {$3500.00} and that 's why foreclosure preseedings began today. I repeatedly stated how I did what I was instructed to do. I stated, it appears that once the one payments was seen, who ever returned the payment shuld have cleared all payments before assuming that was the only payment. Who else have this been done to? She stated it is n't their fault I was behind over six months, foreclosure should 've started when I was 90 days behind. I expressed, that I was originally with XXXX XXXX XXXX, who transferred me to Carrington. I could n't send a payment until there is an account number. This process took almost 2 months. I did a modification which took 2 months. She then stated she would call me Monday XXXX/XXXX/16. I do not trust that she would have my best interest at heart. I feel she 's using this time to see how they can get Lawyer fees, court fees, any way for Carrington to get extra money. Your assistance in this matter is greatly appreciated. Thank You in Advance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX - XXXX XXXX. XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response.In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I alerted my bank that I may have been a victim of a phishing scam and needed to stop a XXXX payment in attempt to stop the transaction from going through. I contacted PNC bank within 12 hours of the transaction and was told a dispute would be opened in order for them to do an investigation into the matter. I sent funds through XXXX, a secondary service found in my PNC app. I was denied my dispute despite the fact that I informed them of the scam and I was told there was nothing to be done due to my authorization of the charge. I was under the wrong impression and was unable to get my money back despite PNC knowing that it was a scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both Capital One and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. Capital One, XXXX, XXXX, and XXXX all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- XXXX XXXX! It has been well over 30 Days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a third party letter to Ability Recovery Services, requesting any contractual agreement between me and their agency. To this date no proof of validation has been submitted to me as demanded. I have never done any business nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Ability Recovery Services has failed to validate this alleged debt within the 30 days allotted time frame pursuant to 15 U.S.C. Section 1692g. They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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

In my first letter dated XX/XX/XXXX I asked Transunion to remove a XXXX mortgage loan because the balance is XXXX the account opened XX/XX/XXXX has had no payments since XX/XX/XXXX. This is over 7 years and must be deleted from my Transunion credit report. They responded by not removing the item and not giving me any reasons. In my second letter I asked eight specific questions, and to date have not received any answers. Three months is too long a time to not received any answers. Please ask them to removed this from my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB and Equifax Regarding XXXX XXXX XXXX  charge offs with a balance of {$520.00} and {$2400.00} See attachments FCRA violation 15 USC 1681 ( a ) ( 1 ) Failing to be fair and accurate. Lied about investigation of my dispute Pretending to do an investigation and not doing the same investigation in impairs, the public confidence in the credit reporting agencies a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
On XX/XX/XXXX, I had asked Equifax to investigate the inaccuracies on my two XXXX XXXX  charge offs. They claimed to do an investigation, but the inaccuracies remained on my report Obviously they no investigation. In XX/XX/XXXX because of the inaccuracies they were given a second chance to do the investigations, but once again the inaccuracies remained. 
In XX/XX/XXXX after a 4 hour hold to speak to customer service, an Equifax agent patiently investigated the account and found that Equifax failed to do any investigation at all. Equifax had sent me notice that they basically just checked the balance on these two XXXX XXXX  charges. The balance was not even in question. I wanted them to do an investigation incorrect all the inaccuracies but they failed to do any investigation at all and instead lie to me about it. This misconduct is typical with Equifax. They are doing sham, investigations, and undermining the integrity of the credit reporting industry. 
Not doing an investigation and lying about it is a FCRA under 15 USC 1681 ( a ) 1. Two charge offs remain inaccurate Because of the FCRA violation of Equifax, I am demanding immediate removal of the 2 XXXX XXXX charge offs
Product: Vehicle loan or lease

I was told by XXXX from consumer financial service east that I shouldnt worry bout my credit report and since I dont pay my bills they not going to worry bout it, I have all the payments I made and all the stuff I was sent. I really want this taken care of, I shouldnt owe {$8500.00} and I was told only way to get vehicle back is to pay XXXX right away and then XXXX $ per month.