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

Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away
Product: Debt collection

LVNV went to my parents house, told them I had credit card debt that was in collections and told them exactly how much I owed on both accounts. LVNV informed my parents they were attempting to process serve me. I called LVNV and told them I have never lived at my parents address but they have returned still looking for me. Date of first contact at my parents house XX/XX/2021 and second contact XX/XX/2021. I returned their call XX/XX/2021 and left a message.
Product: Debt collection

I am still receiving bank statements concerning my fraudulent XXXX Account even after sending in my cease and desist to order them to delete the following account in dispute. I want to cease collection activity on this account through all mediums and forms of communications including consumer reporting agencies and delete this account because they have not sent validation pursuant to 15 USC 1692g. They are saying I signed a contract however, have sent me no proof of said wet signature nor original contract with my wet signature on it. 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. Even if this was an account I claimed to be mine, this account should be an open end consumer credit plan, see 15 USC 1602 ( j ). Nonetheless, this is a violation of my consumer and privacy rights.
Product: Checking or savings account

Capital one closed my account due to an administrative decision. They emailed me and said they would release funds to my linked back account in 2 Days or a check 7-10 we are now passed that. I also deposited a check which they have not made available clearly not following the federal guidelines of funds availability, they told me there is no set time on the hold which I think there had to be regulation they cant hold the money forever. 

Need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has been reporting my mortgage payments on my ex-husbands credit report and not reporting on mine at all. We were divorced in XXXX. The house belongs to me. He has never paid the mortgage. I filed XXXX  XXXX bankruptcy in XXXX and finished in XXXX.
Product: Debt collection

Midland Credit Management has been trying to collect credit card debt that is a result of identity theft. I have constantly stated that this account open with XXXX XXXX XXXX was opened when I was underage and I did not approve or had permission to open. Midland Credit Management continues to harass me with emails and mail. I confirmed with XXXX XXXX XXXX  and they reported that a different Date of Birth is on their account and will not be able to provide account information for that reason. I have mentioned this to Midland Credit Management and they still dont stop.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter statementing that I will start being charged for prior service fees/expenses that were incurred and paid for while green tree was/is servicing my loan ( that date back to XXXX XXXX Green Tree has been servicing my loan for about a year and a half now. The expense description is " appraisal-inspection fees '' in the amount of {$15.00} each totaling {$300.00} for outstanding balance which they are roll into my monthly payment. They can give no further explanation or information other than they were previous fees and from a previous servicer that I am required to reimburse them ( green tree ). This is the first I have heard of these fees in the 10 years I have had this loan, it was never disclosed to me nor authorized by me. I have also on several occasions been yelled at and talked to in the most absurd unprofessional manner. I have major concern that these are not legitimate charges.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased 3 concert tickets from XXXX for a XX/XX/XXXX show that was postponed to XX/XX/XXXX. Over several months I reached out multiple times to XXXX  because I was unable to login and access my account or the tickets I purchased. I never received an email confirmation or receipt. Their app does not work and it is the only way to access tickets, which I never constructively received. There is no way to reach XXXX  customer service, all phone numbers circle back to the website ( that doesn't work ). I reached out on XXXX support and email and was not able to get anyone to help me access my tickets. Before the show, on XX/XX/XXXX, I called Chase and they told me I had a strong case to dispute the charge and to wait until after the show. On XX/XX/XXXX I called and Chase refused to file a dispute until I escalated to a manager who filed XXXX. On XX/XX/XXXX I called to check the status of my dispute and they said no actions had been taken and to wait. On XX/XX/XXXX I called and the rep said she didn't have any information about the case so I gave her all the details and she put me on hold then disconnected. I called again, spoke to a different rep, who also disconnected as I was mid-sentence giving her the information all over again. Chase refuses to take my complaint seriously and has given me false and conflicting information despite me never receiving the goods/services I paid for. Their reps have repeatedly failed to take notes of the calls we have and do not take any steps to address my concerns or carry out their duty to resolve this dispute and fairly represent me.
Product: Checking or savings account

I recently closed an account with an external bank that is still linked to my Credit Karma " spend '' account. When using both their mobile app and when using their website on a desktop computer, it shows this old bank as the only linked account when I initiate an external transfer. I tried to link another account to my Credit Karma account and received confirmation that it has been added but it still doesn't appear as my linked bank. I've contacted their customer service about this issue via their chat feature and have been given the runaround. One time they told me to refresh the app which kicked me out of our chat because it was operating within their app. Another time I was told that the bank that I recently decided to link was already linked but that I have maximized the number of times ( 4 times which isn't indicated anywhere on their website ) I can link a bank to my account so there is nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX FTC and the Attorney General for Florida.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian, XXXX, XXXX have Violation of my Family Educational Rights and Privacy Rights dating back from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Loan. 
I been at this for a long time and I tried to get this information off my credit. All of these Credit Agency still reporting my information as of XX/XX/XXXX
Product: Checking or savings account

We had a car broken into. The thief stole credit cards, purse and wallet. The card within an hour was used at a local mall and combined spend over {$1000.00} within a few hours. 

Once we were alerted by the card of high transactions, we froze all cards. Police report was filed and theft was reported. 

Reported the theft to Bank of America and requested new card. They reversed charges, today after a month they reversed charges to our account claiming we gave the thief permission to use the card. 

We sent in police reports and validated that these claims are completely false. We have no idea who broke in nor would we allow them to use the cards they stole.
Product: Debt collection

I am disputing the collection account with INVESTMENT RETRIEVERS account number XXXX, dated XX/XX/year>, with a balance of {$12000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that INVESTMENT RETRIEVERS, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Debt collection

No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection
Product: Credit reporting or other personal consumer reports

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 the following unauthorized accounts and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

My federal student loans were discharged on XX/XX/scrub> 2024 in Adversary Hearing XXXX underXX/XX/XXXX XXXX Bankruptcy case # XXXX. I have tried to get the seven ( 7 ) federal student loans taken off of my credit report by contacting the DOE and each credit agency. However, the DOE continues to report the information as correct and has not removed the loans from my credit report.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX  XXXX {$0.00} XX/XX/XXXX
Product: Mortgage

Given the increase in the value of my home, I requested to remove private mortgage insurance ( PMI ) from my monthly payment. The first request was made the first week in XXXX ( XXXX to XX/XX/XXXX ). I was told the letter would be mailed within 10 business days but I could request the letter be emailed to me in a week 's time ( XX/XX/XXXX to XX/XX/XXXX ). After calling in a week, I was told that the request for the letter to be produced was never confirmed. I was given the same timeline. I called again on XX/XX/XXXX and was told the letter has still not been produced. I was ensured that I would receive the email by XX/XX/XXXX at the latest. I called again on XX/XX/XXXX and was told that the letter was still not produced.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For EXPERIAN 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For XXXX  1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   XXXX and Experian bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.
Product: Student loan

My Federal student loans were being serviced by Great Lakes which was recently bought out by Nelnet. Great lakes had a very user friendly website allowing us to set up repayments in many ways and was very user friendly. Nelnet informed us that our current auto debit settings would be stopped and we would have to login and set up our account with them. As soon as I got the information ( XX/XX/2023 ), I logged in today and set up my account but they would not give me an option to start auto payments for 5 months ( XX/XX/2023 ) and did not have an option to pay more than the minimum amount due. The fine print on the website stated that we could may more to pay off our loan more quickly at our request but since there was no place to do it online, I called their phone number. I explained to the representative that for years I've had auto debit set up even through the federal loan forbearance period and I've been paying a few XXXX dollars more per month to reduce the loan burden. The auto payment system works best for me since I own and run a small business, have two small kids, and don't want to drown in debt until I'm retirement age or accidently forget and miss a payment. The customer service rep said there is no way to set up auto payment to start sooner or to set it up at paying a higher rate, I would just have to go on their website each month to make a higher payment. It doesn't make sense and just seems like this new loan servicer is trying to prolong people 's debt avoid accepting payments which interest rates are deferred, and increase risk of people missing payments. I then tried to go on and just schedule payments out until the auto payment could start but it would only let me schedule 1 payment out over the next month and nothing else. I believe this bank is taking advantage of me as a consumer, not giving proper information out, not allowing best banking practices, and shouldn't be allowed to service federal loans. Please help make this right or get me another loan servicing company that can help. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX  OPM data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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Product: Credit reporting or other personal consumer reports

On multiple occassions during the year 2023 ; Request to remove incorrect telephone number : XXXX Currently, it is still being reported. It is inaccurate information.
Product: Mortgage

My loan servicer Lakeview Loan Servicing through https : //lakeviewloanservicing.myloancare.com has not provided me with an escrow analysis it performed on XX/XX/2023. 

I most recently called on XX/XX/2023 after noticing my XXXX monthly payment was raised over {$500.00} with absolutely no notice provided. 

I called the support line XXXX at XXXX XXXX  to request an explanation of the escrow analysis and their automated phone tree said there are no representatives that can assist. I have tried all possible combinations of the phone tree, including making a payment through a representative, and all avenues lead to having the call end after an apology message is read. 

I followed instructions to the Document Center that should provide a self service option to download the analysis. There are no historical or current escrow analysis present.

As it stands there is no way for me to contact my servicer about this.

1. They provide no email option 2. Calling does not lead to any menu option or representative that answers my question.

3. Their online contact form only handles specific payment requests, not questions of the escrow analysis.
Product: Credit card

Citibank has failed to return my account to a XXXX balance after my card was reported lost/stolen. The representatives keep telling me 24/48 hours. That was XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that do not belong to me. I have a perfect credit rating and these XXXX accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these XXXX creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.
Product: Debt collection

XX/XX/2018, A bill that was paid in the amount of {$180.00} to the hospital was reported by Harris and Harris, Ltd as a Delinquency notification. I received a letter from them on Friday and on Monday received a call on my cell phone regarding the debt.

Harris and Harris, Ltd did not cross verify the information if the debt was paid and tried to collect more money. I'm not at all happy with this company 's way of handling any consumer debt when the consumer has proof that the debt was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home was in forbearance. We took it off and were given three options. Bring the loan current, put the unpaid months at the end of the loan, or extend the loan and lower our payments. I'm XXXX and won't see the end of this loan, so lower payments sounded good. I was told EVERY time on at least 20 phone calls and MANY hours with US Bank that this would in no way affect our credit score. I was alerted by XXXX that US Bank flagged our account as partial of modified payment agreement XX/XX/2021. I'm guessing that is true as they extended the loan but it was never supposed to have a negative affect on our score. Our score dropped XXXX points in one day. I disputed with XXXX and US Bank. XXXX said US Bank listed the comments as true and they would not change it. We have another home we are going to take off of forbearance, will our score drop to XXXX??? 
XXXX # XXXX