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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Student loan

I applied for Public Service Loan Forgiveness through the Temporary Expanded PSLF limited waiver after consolidating my current loans to fit the then temporary criteria for loan forgiveness. My application was approved and my Perkins loans consolidated under the new Consolidated loan. That was XX/XX/XXXX. I have had my counts towards loan forgiveness tracked and MOHELA shows 122 payments. I know that 120 payments qualifies me for the loan forgiveness, however I have reached out on 5 occasions asking the count be corrected as my total count should be around 187 total payments. MOHELA customer service staff do not seem to understand what I am asking them. I explained that I began paying loans back since before the PSLF program started and that my loans repaid since XX/XX/XXXX to my last verified employment for the PSLF should be counted. MOHELA continues to only count dates starting in XX/XX/XXXX to current date as my qualifying payments. That is partly incorrect. My qualifying payments have been since XX/XX/XXXX when the PSLF program began. I have overpaid by 5 years under the new temporary rules of the temporary PSLF program. I explained that I have been paying my loans back while working for this same qualified employer since XXXX. I would like my count to reflect the date starting in XXXX not XXXX. I have asked MOHELA to update several times. I sent proof from my old student loan lender XXXX showing my payment history. I have called MOHELA several times only to be told inaccurate statements. I told the customer service people to put me in touch with whom handles the count and they have no information on who handles count they say. They just keep saying the count is being reviewed but I don't see any changes nor has anyone been able to give me reassurance that my count will be adjusted. Though I have far exceeded the qualifying number for 120 payments I do push to have my total count be reflected accurately in the event that the Department of Education have the funding to credit and reimburse any overpayments that I have made.
Product: Debt collection

On the aforementioned date, I experienced an accident where I fell into the sea, injuring my left XXXX. Although I initially felt unwell and my XXXX XXXX dropped, a lifeguard promptly arrived to assist me. At that moment, I clearly communicated that I did not require an ambulance and did not request one, as I believed my condition to be stable and manageable. 

To my surprise, the attending paramedics insisted on placing me in the ambulance against my will. Concerned about the potential financial implications, I specifically asked whether there would be any charges. One of the paramedics assured me that the service was offered free of charge to tourists. Relying on this information, I reluctantly agreed to be transported to the hospital, even though I repeatedly stated that I felt fine and did not require medical attention. 

Upon arrival at the hospital, I was promptly discharged after a mere 15 minutes, as it was determined that my condition was stable and no further treatment was necessary. Consequently, I was shocked to receive a bill from the hospital for the ambulance services I did not request or consent to. However, the bill was later refunded by XXXX at ( XXXX ) XXXX, which implies an acknowledgment of the unnecessary charges. 

To my dismay, I have recently learned that the ambulance service intends to pursue the same charges, despite the fact that it has been 9 months to a year since the incident occurred. This distresses me greatly and raises doubts about the legitimacy and fairness of such a claim. 

I want to emphasize that I did not sign any agreement or consent form for the ambulance service, nor was I informed about any potential charges at the time of the incident. Considering the circumstances surrounding the incident, the subsequent refund of the hospital bill, and the lack of any prior notice or documentation, it is evident that these charges are unjust and should not be pursued any further.
Product: Credit reporting or other personal consumer reports

DEMAND FOR DELETION OF INNACCURATE REPORTING OF ACCOUNT on Consumers Credit REPORT # XXXX Respondent, XXXX XXXXXXXX XXXX XXXX continues to negatively report on Affiants consumer report Respondent, XXXX XXXX XXXX has failed to comply with verification and provide Affiant with original security contract with wet ink signature and evidence of a valid agreement/ legally enforceable in court Failure to provide original promissory note as evidence validating this alleged debt/claim I lawfully demand for this claim to be deleted and to be sent an updated copy of my consumer report or provide supporting documentation verifying and validating this claim with a wet ink signed contract bearing affiants signature This is my conditional further derogatory reporting of this alleging creditor will result in arbitration and or litigation where compensating damages may be sought and this fraud will be exposed publicly
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Reporting on Credit File I am writing to file a formal complaint regarding the inaccurate reporting of XXXX XXXX - XXXX on my credit file. Specifically, the credit report in question repeatedly displays 30, and 90-day late payments with additional repeating payment statuses from the beginning of XX/XX/XXXX until this present time ( XX/XX/XXXX ), every month has a repeating payment status which are inaccuracies that negatively impact my creditworthiness. 

This marks my FOURTH request for investigation into this matter, emphasizing the serious repercussions for my financial standing. Please reference CFPB complaint XXXX XXXX, XXXX, XXXX Such inaccuracies not only breach the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of consumer credit information, but they also have significant repercussions. These inaccuracies unjustly extend the statute of limitations, thereby greatly impairing my ability to obtain credit in the future. This misinformation undermines my financial credibility. 

In order to avoid any delays in processing and in the interest of transparency I have added my government photo ID, Proof of address and social security card to verify my identity. Additionally I have added proof of the inaccurate payment history beginning on XX/XX/XXXX until this present time ( XX/XX/XXXX ), and the credit reporting companys prior investigations. 

Thank you for your immediate attention to this matter.
Product: Student loan

Mohela has wrongfully been charging me a bill AFTER I am still in school which as done in the past should have automatically put me in still in school deferment- NOT harass me with a {$1700.00} bill which I currently can not pay right now due to the fact that I am going to be enrolled in an academic program this year XX/XX/XXXX. I strongly believe that this is a form of harassment and oppression done by current servicer Mohela. Back in the months of XXXX through XX/XX/XXXX I kept being denied an unemployment deferment despite the fact that they had legitimate proof of why I applied for unemployment deferment. 

Moving forward, my bankruptcy lawyer roughly back in XXXX while my bankruptcy case was still open which Mohela approved. I strongly suggest that you take a really close look at the supporting documentation that I uploaded carefully. 

I thank you for taking the time to read my complaint against Mohela. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not swayed that the bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX employed as a debt collector with ARC ( XXXX ) calls my job and home XXXX times a day. I have verbally and in writing asked that he stop as I will contact them when I am able to negotiate a settlement. This is calling negative attention to me at my workplace and disturbing my home life. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to human trafficking debt bondage, which is covered under trafficking as per the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I respectfully request that this information be blocked from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only two being necessary under the law. Furthermore, I have included a victim determination letter as required by 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified mail letter ( certified # : XXXX XXXX XXXX XXXX XXXX ). In the letter I requested Experian to investigate an account that was improperly reported on my report and they failed to do this. The account is still appearing on my credit report and this negatively impacting me. The Credit bureau ( Experian ) stated that XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is also inaccurate, and the date last report is also not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 which clearly states : A consumer reporting agency can not furnish an account without my written instructions. I have not given such written permission to furnish this account on my credit report as well.
Product: Credit reporting or other personal consumer reports

I have inaccurate information still reporting on my credit account inaccurate names and addresses I would like these removed immediately and deleted. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX. 

This is the only information that should report it on any of my credit accounts XXXX, XXXX, Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair credit act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was an independent life insurance agent and appointed with XXXX XXXX XXXX XXXX XXXX in XXXX, TX. In XXXX of XXXX, I received commission from this company, assigned by another agent. In the second half of XXXX, XXXX XXXX notified me that I owed the commission back, however I was no longer independent and had moved on to being employed at new job. Since I didn't see the email they sent, I didn't address it and a couple of month later ( in XX/XX/XXXX ) they hired a law firm to collect the debt. I received letters from Stuart-Lippman & Associates, Inc.at my home and my work informing me they had been hired by the insurance co. I contacted XXXX XXXX but they would not speak to me stating that I had to speak with their attorney. I asked attorney XXXX XXXX to provide me proof of the debt. He sent a snippet of my agent contract & a commission statement, which did not validate the debt. I have disputed the debt and am still disputing it. 

Recently, the law firm reported their collection activity to XXXX. I disputed this with the credit bureau and after investigation, said they couldn't remove it because they had confirmed the debt. I don't believe it is fair to report this against me to credit bureaus for a number of reason 's related to my ongoing dispute. This doesn't fall under the scope of what should be reported to credit bureaus as I did not default on credit extended to me nor did I fail to pay for good/services received. I am asking that this be removed from my credit report based on it being something that should not be reported to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial reported XXXX late payments to credit bureaus for payments not taken from my bank account due to their errors. On or around XX/XX/XXXX, I received a call at my cell phone for the XXXX time from BMW Financial advising me that my account was past due. I was surprised as I have been a client of BMW for almost 20 years and I always setup automatic payments and pay on time. I immediately proceeded to pay the balance in full and the requested details as to the delinquency. It seems that BMW Financial never resume the auto payment after my lease was replaced last year. Moreover, I was never contacted to advise me of the missed payments. I am writing to request that BMW remove the delinquency and late payment from my consumer credit reports for the following reasons : XXXX. The missed payment and delinquency was due to BMW Financial not setting my account for auto payment as it has been for years. 

XXXX. BMW Financial never contacted me to advise me of the payments not being withdrawn from my account. Proof is that the date they called me I paid in full and requested re-enrollment for automatic payment same date. 

This account was open in XXXX. No payments were taken the XXXX few months as I had a credit by BMW that covers the first few months. As I had always been setup for ACH for for the past 20 years with BMW I was unaware of payment not being made and received no notice at all from BMW about any missing payment. They claim they called me multiple times that is not truth. The only call I received was in XXXX and I returned the call the same date and made payment over the phone as soon as I was made aware that payment had not been taken out of my account as they were supposed to. 

I tried calling BMW Financial, but their credit department will not even talk to me. Instead they made me send a snail mail letter ( as if we were in the XXXX 's ). They replied to me with lies and excuses and refused to remove the incorrectly reported payment history, which now affect my credit. I think BMW Financial shall be help accountable not only for reporting late payment caused by their negligence, but for not taking calls from consumers. They can take our money, but do not have the coutersy to take our calls to correct issues that have long lasting effects such credit reporting? This is unacceptable. 

Additionally, BMW kept an insurance payout in excess of a totalled car balance. They kept money that shall had gone to me as it was my insurance and the payout exceeded the balance of the lease payoff. BMW got over $ XXXX in excess of the balance owed to them, but they illegally kept most of it. However, they gave me a small credit not cash so I can lease another BMW. So essentially, they stole the equity of the car and the forced to get another BMW to get the credit. This is also unacceptable and shall be investigated. 

Now to make things worst they are running my credit for their own negligence.
Product: Debt collection

XXXX XXXX called from XXXX XXXX claiming he is reporting me for something but will not stae what the reson is he has contacted family members and also left messages with other people claims i need legal representation and i need to call back. I want them to stop contacting me! he is XXXX me and people I know but does not explain anything and I have proof of the things he is saying on voicemail. asked me to call back XXXX XXXX ext XXXX but called from XXXX XXXX. This is causing extreme XXXX for me
Product: Checking or savings account

I opened a business checking account with Fifth Third Bank, and upon receiving my Employee Retention Credit ( ERC ) check from the IRS, I deposited the check into the account. On the following day, my account was frozen, and a hold was placed on it. I visited the branch, where I was requested to provide documentation confirming that the IRS had issued the check. I submitted all the required documents, and I was informed that the review process would take between 24 to 72 hours. However, it has now been over a week, and no progress has been made. I contacted the bank, and they indicated that they are still awaiting the completion of the review. Unfortunately, I have not received any clear answers regarding when my funds will be released, when I will regain access to my account, or the status of the returned check. Neither the branch staff, customer service, nor the fraud department has provided me with any further information.
Product: Checking or savings account

I make a deposit from a payroll check for my family member, they hold de founds for 10 days and after that they hold my balance and closed my account I be on the bank many times I called to costumer services, to Fraudulent transactions and no have any explanation or reasons for closing my account I never have my money back And now have a record and XXXX XXXX line for fraud REAL BAD EXPERIENCE and Unprofessional situations whit BANK OF AMERICA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Reporting FCRA Violation Against Equifax LLC Dear Sir/Madam, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax LLC . I have noticed a concerning discrepancy on my Equifax credit report concerning my XXXX XXXX credit card account. 

This account, which I opened on XX/XX/XXXX, has consistently remained in good standing with no late payments. However, I have observed that Equifax has removed this positive credit card account from my report. In contrast, my XXXX credit report reflects the positive payment history associated with this account. 

I believe that this removal constitutes a violation of 15 U.S.C. 1681, which emphasizes the importance of accuracy and fairness in credit reporting. This discrepancy not only affects my credit score but also misrepresents my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and insist that Equifax restore my XXXX XXXX account to my credit report, reflecting its accurate status. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Re : Complaint XXXX XXXX XXXX, XXXX, and TransUnion for False Credit Reporting Dear CFPB, I am filing a formal complaint regarding violations of consumer protection laws by XXXX XXXX, XXXX, and TransUnion concerning the inaccurate reporting of a settled debt on my credit report. 
Specifically, the violations involve : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Inaccurate reporting of a settled debt as unpaid. 
Failure to correct the false report after disputes were submitted with supporting evidence. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Misrepresentation of the debt status by XXXX XXXX. 
What Happened : An outstanding balance of {$2900.00} for my XXXX XXXX account was placed under collection. On XX/XX/year>, I reached a settlement agreement with XXXX XXXX, paid the agreed amount, and received written confirmations that the account was fully settled and would no longer be placed under collection, and received the following confirmations : - Settlement agreement confirmation from XXXX XXXX. 
- Proof of payment of the settlement amount. 
- Confirmation of successful processing of the payment. 
- Written confirmation from XXXX XXXX stating that the account was fully settled and would no longer be placed under collection. 
Despite this, XXXX and TransUnion have continued to report a balance of {$2000.00} ( XXXX ) and {$2900.00} ( Transunion ) on this account, and labeling it as a " potentially negative account. ''. 
What I have Done to Resolve the issue : I have submitted disputes to both XXXX and TransUnion, providing supporting documentation that confirms the debt has been fully settled. However, both credit bureaus have stated that XXXX XXXX repeatedly confirmed the debt was still outstanding. This assertion is inaccurate and misleading, as evidenced by the documentation provided by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : https : XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.