23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2016, Credit Protection began reporting a collection account for XXXX XXXX in my name. They have it listed that my delinquency began in XXXX 2016, yet that I was still paying in XX/XX/XXXX, when they began reporting. The inconsistency in the dates alone seems to point to an error in their system. Whether in accepting collection accounts, or in reporting them. I have attempted to dispute this collection account with them, as I should owe nothing to XXXX XXXX, but they have continued to verify it as accurate. They also never informed me of the collection in writing, so I was unable to dispute it before it was able to tarnish my credit. It has been a year now and the account is still negatively affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Checking or savings account

In the mail I receive an Unavailable/Insufficient Funds Notice from the WSFS bank . For {$31.00} I order a product from a XXXXXXXX XXXX XXXXXXXX XXXX catalogue. The check does not reach a WSFS branch bank in this amount. The notice says I wrote a check number XXXX in the amount of {$2100.00}. A branch of WSFS calls me and tells me about the amount I did not write on check number XXXX. The next day I enter a WSFS branch, show them the duplicate copy of a copy I wrote in the amount of {$31.00}, plus I bring other information the branch may use to correct what I did not do. They close the account, fill-in and print-out forms to send to places I receive a direct deposit of money from, and order a set of checks for me. The next day I send the forms to the State of Pennsylvania and to the Social Security Administration in XXXX XXXX Pennsylvania. In the mail I receive notice from the State of Pennsylvania that on XX/XX/2022 the given amount will be deposited into a checking account. What happens the amount is deposited in a " closed account. '' Immediately I walk into a WSFS branch and I learn the money is deposited in the same account number not the new account number. The Social Security deposit I do not learn if it is the new checking account. In the mail I continue to receive " Unavailable/Insufficient Funds Notice '' from WSFS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XX/XX/XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE HAS TOOK MY INFORMATION AND OPEN UP SEVERAL ACCOUNTS WITHOIT MY PERMISSION WITHOUT MY CONSENT
Product: Credit card

I opened a credit card with Bank of America this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Bank of America owes me the {$100.00} bonus as I met the terms of the promotion in good faith.
Product: Mortgage

I can provide proof that Discover financial group intentionally canceled my discover card when I backed out of refinancing my house. If you follow XXXXhe trail of dates they inquired on my credit and the date they canceled my almost paid off discover card, it proves I was targeted by discover because I choose not to refinance my house. A financial institution should not hold items over your head to refinance or lose your credit card. I will attempt to upload all Discovers soft inquiries and hard inquiries to prove at the time I decided not to proceed with the home equity loan the lashes out at me by revolving my discover card without even a word or a letter. I will provide all the soft and hard inquiries from discover through XXXX XXXX and XXXX if need be to prove what DISCOVER DID BECAUSE I CHANGED MY MIND ON A HOME EQUITY LOAN.
Product: Debt collection

In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX another inquiry report was pulled by DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
Product: Credit card or prepaid card

I received an unsolicited debit card in the mail XX/XX/2021 from " XXXX by XXXX '' and there is no way to reach a person from any of their customer service numbers to cancel the card. All options seem to just lead to activating the card, which I do not want '' This is the address on the Letter Head for the card : XXXX  by XXXX XXXX XXXX XXXX XXXX, TX customer service phone : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical. Remove these inaccurate unverifiable items swiftly they are harming my Financial future.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXE ) XXXX Balance : {$180.00} XXXX XXXX XXXX : {$7500.00}
Product: Credit reporting or other personal consumer reports

Hi recently reviewed my credit report and noticed an account that I was in fact paid.The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I, ve attached a copy of my report to this complaint on the following dates ( XXXX and XX/XX/year> ) Im requesting you to investigate this account and update this payments to be paid on time immidiately.Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/BJs has placed a hard inquiry on my XXXX credit report on XX/XX/22. 

I did not apply for any credit on this date, and have had an account in good standing with this company for many years. 

I called Comenity Bank, and they referred me to XXXX. I called XXXX, and they referred me back to Comenity Bank. Neither entity was willing to assist me. 

This hard inquiry has dropped my credit score by XXXX points, and is very damaging to me. 

I would like this inquiry removed, as it should never have been initiated in the first place. 

Comenity also needs to update my current balance with all 3 reports, which they have not done since XX/XX/22, so they are showing a balance due that has already been paid to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a Conventional Mortgage loan with XXXX XXXX. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment XXXX XXXX, XXXX, XXXX and XXXX XXXX to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from XXXX Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that XXXX XXXX XXXX XXXX reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( XXXX XXXX XXXX employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, XXXX XXXX department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I created a communication email between XXXX and ECSI where both parties were CC on the email demanding explanation on the invalid loans ECSI services on the behalf of XXXX. ECSI and XXXX did not respond to the email. These loans do not have proper MPN ( master promissory note from the date it was taken in 2019 ) and several XXXX staff claimed these loans are federal both in written and verbal communication. These loans are related to both XXXX and ECSI. XXXX and ECSI are expected to work together and respond to the situation. They ignored the email where I included both parties on the same email. They do not cooperate to cancel invalid loans that were misleading, not clear in terms and conditions. Furthermore, both XXXX and ECSI ignoring the email I created for both parties to communicate indicates both ECSI and XXXX is guilty of misleading students into borrowing debts that are not valid.
Product: Mortgage

My mortgage is approximately {$13000.00} past due and I owe a five-month payment. 
Shellpoint Mortgage Services requires at least a three-month payment to bring my account within 60 days. 
I have scheduled a payment of {$8100.00} on XX/XX/2023 to bring the account within 60 days thus avoiding a foreclosure. 
I am asking Shellpoint Mortgage Services not to refer my loan to a foreclosure between now and XX/XX/2023. 
Alternatively, I can make two monthly payments right the way and one payment on XX/XX/XXXX. 
My objective is to avoid my loan going in the foreclosure. 

Shellpoint Mortgage Service is not taking two-monthly payment now plus a third payment on XX/XX/XXXX. 
Shellpoint Mortgage Company is not putting on hold sending my account to foreclosure until the scheduled three payment clear on XX/XX/2023. Then revisit the situation. 

Shellpoint Mortgage Service is keeping me nervous and hanging which is a clear malpractice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I sent my son XXXX and he never received it. I sent it on XX/XX/year> XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no legitimate reason and have supplied with information on getting my Acct. Up and running. Not sure if this is a mistake or an error on their part. I have not been able to get assistance from them in weeks. I feel neglected and abused. My email to my PayPal account is XXXX Thanks for your concern in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information being reported to my credit report and XXXX, Equifax, and XXXX  have failed to properly investigate this account XXXX XXXX as per FCRA guidelines and continue to report false information to my credit report!
Product: Bank account or service

I had an account opened a XXXX Credit Card ( I believe, it may have been a debit card ) at Commerce Bank, without ever asking for it, similar to those who had accounts opened at XXXX XXXX. This card was offered to me every time I went into the branches, so I know it 's something they were pushing. Without anyone reporting this, we 'll never know if this was one person 's mistake, or a bigger issue, so I want to report it.
Product: Credit reporting or other personal consumer reports

i have filed and disputed these accounts multiple times. Ihave uploaded documents to show that account is a corporate account and XXXX, and XXXX still say the accounts are verified. this has now become a civil liability for willful non compliance under 15 usc 1681n. this will be for both portfolio recovery assoc, as well as XXXX XXXX. Portfolio also has an open status, which indicates I've received credit and still continuing getting credit. they have failed to provide me with the information I have requested and have lied on here with their statement. You have also received the second mailing, in which, XXXX never responded. This should be rem oved be of estoppel by silence law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud DUE TO SEVERAL DATA BREACHES I WAS HARMFULLY EFFECTED BY.