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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' FCU, XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

Im reaching out as Im concerned my federal loan servicer FedLoan Servicing is not providing sufficient information and action to ensure eligible borrowers can take advantage of the incredible one-time opportunity for student loan forgiveness. 

I paid off my student loans in full during the COVID payment freeze. 

On XX/XX/2022, upon learning of the forgiveness program including the possibility for borrowers to receive refunds for payments made during the COVID freeze I contacted FedLoan Servicing. At this time, the loan provider discouraged me from requesting a refund to reinstate my loan, as they did not think reinstated loans would be eligible for forgiveness. 

When additional guidance from the Department of Education and news articles exploring this issue were released, I re-called FedLoan Servicing on XX/XX/XXXX. The loan provider quickly confirmed that I was eligible for a refund and processed my refund of {$19000.00}. They told me the processing time would be two weeks to 6 months. 

On XX/XX/XXXX, I called FedLoan Servicing to ensure my XX/XX/XXXX request was processed. The representative could only tell me she saw the request in the call notes and could not provide me with any additional information. 

This leaves me with great concern that FedLoan Servicing is not prioritizing these requests to process loan refunds and reinstatements so borrowers can qualify and get benefits for loan forgiveness. 

I am seeking assistance to expedite this process to ensure I can have my loans reinstated in time to apply for forgiveness before the XX/XX/XXXX deadline.
Product: Debt collection

CRA violation. I have knowledge of the fraudulent accounts on Transunion credit report. 
FTC Identity Theft Report No. : XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to Equifax regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

In XX/XX/year> I found out I was XXXX  and started applying for jobs via XXXX. I applied to a job that turned out to be a scam. I received emails asking to fill out my XXXX with all my personal information, thinking it was an actual position I gave all my information including bank account number details and my full social security number along with all my other information. The Manager said I would be a trading assistant and training would begin as he would demonstrate how to use XXXX  applications. The next couple of days he used my information to deposit money into my account and then transfer it out to his accounts and my account already had very limited funds ( about XXXX $ ) so as the bank processed these payments It obviously bounced back and by that point the money was transferred out and I was left in about negative XXXX XXXX He went XXXX and I called my bank and had to close the account due to fraud. I reported everything and assumed a fraud claim was filed, I was promised by the worker I would not have to pay this money as I did not authorize any of it and it was fraudulent. I opened a new account and since I was told by a Bank of America worker I was okay I just let it go and focused on my XXXX.Last week on our new account my husbands direct deposit was taken from the bank to pay back what i owed and am now in XXXX $ with bills due and a XXXX XXXX XXXX XXXX who needs XXXX XXXX XXXXI was completely blindsided when they told me I didnt even have a claim filed to the fraud I went through. I kept getting transferred from department to department different workers were telling me Contradicting things, I finally got the claim filed and they rejected it. I submitted screenshots of the emails I was getting from the scammer and I showed how I gave up all my information and I told them multiple times. I did not authorize those payments. Ive made them aware that I am left with no money and I have to buy XXXX XXXX XXXX XXXX XXXX XXXX on top of all the bills I have. I called to try to get an explanation on why it was rejected and the workers dont want to tell me anything. They keep transferring me again from department to department. No one could give me a straight answer. I asked to be transferred to a supervisor and they told me that they cant even talk to them.
Product: Mortgage

We have filed XXXX requests for a loan modification with US Bank. They sit on the application and do not follow the rules pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), Public Law No. 111-203, 124 Stat. 1376 ( XX/XX/XXXX ) .1 Rule 1.5.7thru 1.5.9. They do not make a determination within the guidelines. 
My last application was complete on XX/XX/XXXX. My counselor, XXXX XXXX, was told the file was complete by XXXX, point of contact at US Bank. They made a determination that I did not qualify because they did not receive my documentation on XX/XX/XXXX. This is simply not true. They told me that my file was complete and at underwriting ... sat on the file for more that 60 days and then said I was lacking documentation. They never notified me according to the rules that more documentation was requested or required.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP Complaint XXXX : Three years ago, XXXX, I signed a legal document with XXXX XXXX XXXX since I was very behind on my payments giving them permission to obtain their funds in any way they wanted if I failed to not make payments again. Since then I have made regularly payments but they have been reporting my credit as accounts closed, in collections, and past due. There is nothing in the document I signed that gave them permission to misreport my credit. I have spoken with them numerous times and they refuse to stop. My loan will be paid off in 6 months, XX/XX/XXXX, and they have told me that they are going to keep these inaccuracies on my report stating that I have been in collections and past due every month for all this time. 

I filed a request for this to be corrected with Equifax twice and they have not done so. They say they are reporting what XXXX is telling them is true and will not listen to me when I tell them it is incorrect. My XXXX XXXX score keeps changing from XXXX to XXXX as I file these requests with Equifax. It was XXXX and then it went down to XXXX because Equifax stated that XXXX was reporting past due amounts. I filed the requests informing them that I have not made a past due payment in years and they replied that XXXX said they are reporting correctly and left it misreported. I then hired XXXX XXXX XXXX XXXX to help me and we filed and looked at my reports together. We sent letters requesting them to correct my information. My score went back up to XXXX for a couple of months and then back down to XXXX and there it remains today. 

Equifax is incorrectly computing my score and evaluating my credit. XXXX XXXX XXXX is misreporting my on time payments as past due and stating my account is closed and in collections when it is not. I want my XXXX accounts to reflect that they are not past due. I also believe that they should not be reflected as closed and in collections. Mostly, as I pay off the XXXX student loans I want all my accounts to show as being paid on time for as long as they have been and not have to start from closed XXXX accounts with past due, in collections inaccurate reports that will reflect negatively and impact my credit for 7 years. I have experienced apartment rental rejections because of these accounts not showing correctly. I have been making on time payments for years and my credit should be reported as such. 

Thank you.
Product: Credit reporting or other personal consumer reports

Roundpoint assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX 's XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the XXXX. All with no result, after XXXX  months.
Product: Debt collection

This is my second CFPB complaint against this company. See CFPB complaint # XXXXfiled in XXXX XXXX. Despite letters from credit bureau team and XXXX XXXX in Barclays ' Office of President, this item remains on my credit report. I have submitted the copy of the letter from Barclays instructing this should be deleted to the credit bureaus, but since the correspondence were not sent directly to the credit bureaus, they will not delete. So I submit disputes and call Barclays credit dispute to move and they claim they do not have a copy of the delete letter sent nor the XX/XX/XXXX letter from the office of president. Further I received a letter dated XX/XX/XXXX from Barclays stating that the information being reported is accurate and will not be deleted, completely contradicting the resolution sent to me and CFPB. I have been disputing this matter for two years. It is a clear violation of the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and Lexis Nexus has violated me under the provision of 15 USC 1692. Please review attached documentation.
Product: Money transfer, virtual currency, or money service

My transactions through Zelle were documented as successful even when they were not, and funds were returned to my account. Zelle did not inform me of these cancelled transactions and sent me an email confirming their completion. On XX/XX/XXXX and XX/XX/XXXX, I sent {$100.00} and {$1000.00}, respectively. My attention to these issues has been reinforced in light of the recent lawsuit XXXX has launched against Zelle, that I am not an individual experiencing this but rather have experienced the larger flaws in privacy, security, and transparency that Zelle has allowed to continue.
Product: Debt collection

Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CREDIT ACCEPTANCE CO which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that CREDIT ACCEPTANCE CO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

XXXX XXXX emailed me on on XX/XX/year> stating she had an appraisal. I do not know what property or house she was appraising. As I did not order and appraisal, or request XXXX. XXXX XXXX  and XXXX XXXX will not respond to my request to view this document. 

XXXX XXXX emailed me on XX/XX/year> stating she had an adverse action report/notice. I have not been able to see this document. Both XXXX XXXX  and XXXX have ignored my requests to see these documents or have a copy of them. 

I bought a XXXX property the next month at an high interest rate. This could be why.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$8800.00} from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month. 

Harmed by their willful neglect of the law. they have failed to send me what I repeatly asked for. 



Payments to harmed consumers Congress has authorized the CFPB to take legal action against companies and people that violate federal consumer financial law. 
When the Bureau enforces the law, it or a court may order the violator to take action to remedy the harm it caused consumers. This can include requiring the person or company to compensate its victims for this harm. This compensation is generally called redress. In some cases, when the available redress is insufficient to fully compensate consumers for the harm they have suffered, the Bureau may compensate victims from the Bureaus Civil Penalty Fund. The money in the Civil Penalty Fund comes from penalties that the Bureau obtains in enforcement actions against entities and individuals who have violated the law. 


We have repeatly requested from XXXX, XXXX and Transunion to provide written verification of the items that they are reporting on my credit report. By law they must verify information they post. I have asked over and over again for any contract or document bearing my signature be forwarded to me and they have failed to do so for at least the last 6 month.
Product: Checking or savings account

No access to online banking website www.us.hsbc.com for almost two weeks.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. 
I do not have a contract with this collection agency. 
By the provision of The Fair Credit Reporting Act, I demand that this collection be removed from my credit report. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this complaint. 
Please send an updated copy of my credit report to the above address. According to act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for the time and help in this matter.
Product: Debt collection

This Debt reporting on my Credit Report is not mine. I have no prior dealing with this company and with the debt that is attempting to be collected.
Product: Credit card

I received a solicitation from American Express for a personal platinum card product several months ago. The offer suggested that if I spend {$3000.00}, I would receive XXXX membership reward points. I made a single purchase of about {$4000.00} to XXXX for my family 's yearly home insurance bill. I received the XXXX membership reward points but they were taken away from me on XXXX XXXX. I have called American Express 4 times and told that my spend was not eligible for the bonus. I have been a customer of American Express since 1998 and feel ripped off. If the points are not returned, I will cancel all my cards - I spend about {$300000.00} per year on them.
Product: Credit reporting or other personal consumer reports

This letter is to formally dispute unauthorized hard inquiries appearing on my credit report. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides me with the right to dispute inaccurate or incomplete information in my credit file. Specifically, I am disputing the following hard inquiries : Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX. Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries are unauthorized and fraudulent. I did not authorize these entities to access my credit report. I have attached a copy of a police report [ Police report number XXXX. This police report serves as evidence that these inquiries were the result of fraudulent activity. 

I demand that you immediately remove these unauthorized hard inquiries from my credit report. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into this matter. Failure to remove these fraudulent inquiries promptly will result in further action and pursuing legal action to protect my rights. 

I expect written confirmation of the removal of these inquiries within 14 days, as required by the FCRA.
Product: Mortgage

On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank. 

A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a Servicing Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them. 

On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then. 

On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.