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

I have been trying to work with this account for the last 9 months however, I was never given any update or information of the results of the disputes I have submitted. This is a violation of my rights as a consumer. The account information is showing inaccurate informations, invalid account numbers and asterisk dont match or correspond to creditors also Re adding or re aging accounts this is violation and must be notified.
Product: Debt collection

On XX/XX/XXXX, the XXXX XXXX called my mother, father, and myself about a debt owed to a Bank of America account that was closed over 12 years ago. The account was closed due to inactivity and they claim that I owe {$490.00} but the amount went up to {$1400.00} because I didn't respond to something they mailed to my home. 

This is the message I received from the company : The message is intended for the immediate attention of " my name '' also known as " my married name '' regarding file number XXXX XXXX. My name is XXXX XXXX and this is my second attempt to contact you. It's in reference to a complaint that may be filed against you. To discuss these pending allegations, you'll need to contact the firm in control of this matter at XXXX. Will result in the department proceeding forward without your consent. Also, please be advised that this call has been submitted as proof that you have been notified of the pending actions that are against you. 

On XX/XX/XXXX, I called them back after they harassed my mother for a second time and I was informed by XXXX XXXX with the XXXX XXXX at XXXX that I was in danger of being sued by BoA for a debt that was charged off in XX/XX/XXXX. He informed me that they sent a letter which I never received and he would help me settle the debt if he had my email and would send correspondence where I would agree to pay off the {$490.00}.
Product: Checking or savings account

My account was opened under a promotion whereby if I funded it at {$1000.00} within 90 days I would receive {$200.00}. I met the promotional terms and my bonus was due on XX/XX/XXXX. I followed up with customer service who advised : Taking a look into your investment account, I do see you funded the account on XX/XX/XXXX. We do apologize for the delay with getting the promo applied to your investment account. I have submitted a request to the appropriate department... 

I followed up a 2nd time and Axos advised they would not be paying the bonus.
Product: Credit card or prepaid card

They say Im over my {$600.00} limit. Not true, its care credit for a dentist! I was under {$600.00}. Thats as much credit I had anyways. How would that even be possible?
Product: Credit reporting or other personal consumer reports

This account with XXXX XXXX  through XXXX XXXX, is to inform all three credit reporting barrels, XXXX, XXXX, and Experian that XXXX XXXX XXXX XXXX was never late on any of his payments. I accept all delinquencies be deleted immediately off credit report for it is harming my credit profile, this is legal proof that the account is in good standing and has never been late. Please remove all delinquencies effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bureaus are falsely reporting alleged debt which is a FCRA section 807 violation 15 USC 1692e. The alleged debt can not be verified and I have yet to receive a response after 30 days which is another violation under the FCRA
Product: Debt collection

this number call me and stay on my credit history for while and call me if i don't pay money they will make me go jail and come to house
Product: Credit reporting or other personal consumer reports

Thunderbird XXXX XXXX placed a medical charge on my credit report, which has already been litigated and dismissed. This charge was a misbilled industrial accident claim, that Thunderbird and XXXX XXXX XXXX refused to accept and pursued anyway, leading to a prior CFPB report. 

I filed a dispute with XXXX, and within 24 hours Thunderbird declared it valid and put it right back.

While I am not proud of having gone through a period of poverty, I accept it. However, these Thunderbird people are purely evil, placing false information on this report strictly out of pettiness.
Product: Credit reporting or other personal consumer reports

The following complaint CLEARLY SHOWS HOW EXPERIAN HAS COMPLETELY DESTROYED MY ACCOUNT AND CREDIT SCORE, EXPERIAN JUST SENT ME THE FOLLOWING NOTIFICATIONS SAYING I OPENED THESE DISPUTES IN XXXX OF THIS YEAR CLEARLY THEY ARE NEGLIGENT IN THE HANDLING OF MY INFORMATION AND CREDIT THESE ARE ALSO CLWAR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT
Product: Mortgage

In XXXX of 2020 I requested a Mortgage Forbearance for my loan being serviced by Specialized Loan Servicing. I was approved for the forbearance for XXXX, XXXX and XXXX. Per the conversation I had with the customer service rep, I was to go online at the end of XXXX and request and extension to the forbearance if was needed. 

On XX/XX/XXXX I requested at forbearance extension. 

On XX/XX/XXXX I received a letter saying that my request made on the phone on XX/XX/XXXX for a loan modification was approved and my missed payments for XXXX and XXXX would be added to the end of my loan. I NEVER REQUESTED A LOAN MODIFICATION LET ALONE APPROVED ONE.

I have since called Specialized Loan Servicing every week asking for them to reverse the loan modification and process the extension. 

Every time I called they acknowledged that I never made the request for a modification, that this " was very odd '' and they would escalate to their supervisor. 

After the forth time my call was no longer being answered by SLS, but was now being forwarded to Bankruptcy Specialists because my loan was now in default. EVEN THOUGH MY ORIGINAL FORBEARANCE AGREEMENT INCLUDED XXXX. 

Additionally I have now requested my original loan forbearance agreement 3 times. Each time they promise that it's being sent by mail and I have never received it. What are they hiding? 

After my 7th call, now speaking with Bankruptcy specialists I was finally told that the investors in my loan were not accepting additional forbearance extensions. 

Today, XX/XX/XXXX I was told that my loan 's investors were XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. I attempted to call XXXX XXXX XXXX, but they had no record of my loan. I could not find any contact information for XXXX XXXX XXXX XXXX to contact them. 

I feel this is explicit Mortgage Fraud. I never agreed or requested a Loan Modification and I certainly would not have agreed to anything that would have taken me out of forbearance a month early. I believe they are trying to make me default on the loan purposely.
Product: Debt collection

The company in question is CBA ( Credit Bureau Associates ) reports a medical account to all three reporting agencies without notifying me at all. my first and only correspondence from this company stated that they submitted this information to all three reporting agencies to reflect unpaid collection account on my credit file. my notification also stated that now its time for me to create a pattern of positive credit management and neglecting this issue will only encourage further actions without further notification. the nerve of them they clearly handle accounts without proper notification. All of the BBB complaints about this company say the same them which is they do n't notify you until after they reported the item to your credit. My balance should only state that I owe {$1300.00} not {$4000.00}.
Product: Debt collection

My wife received a text message stating ( XXXX XXXX please call P & B Capital Group LLC at XXXX XXXX ) for file # XXXX to avoid a delinquent tradeline report. ) This company has not talked to my wife and has not sent any letters regarding this account.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are refusing to delete this account and I should be paid {$1000.00} per violation per FCRA. The FCRA clearly states an account should be deleted 7 years after the first delinquency reported to the credit bureaus which was in 2018. This account continues to remain on my account and XXXX hasn't provided any validation of debts as I've repeatedly asked forin all complaints I've filed trying to get this account deleted. I've called and spent numerous hours on the phone and that leads to worse results. Please enforce the law as I'm due the miminum {$25000.00}. I have been denied credit as my credit score continues to decline from the erroneous error until the current date and year.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ct XXXX, MD XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reporting Under FCRA Dear XXXX, I am writing to formally dispute the reporting of negative information associated with my previous address, XXXX XXXX XXXX XXXX Virginia XXXX, as it no longer pertains to me. Under the Fair Credit Reporting Act ( FCRA ), I request that this information be removed from my consumer report Immediately Relevant Laws : Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681c ( a ) : This section states that consumer reporting agencies may not report negative information after seven years. Additionally, information that is obsolete or inaccurate must be removed.

- 15 U.S.C. 1681i : This section grants consumers the right to dispute information in their credit report and requires agencies to investigate these disputes.

Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt.

Privacy Rights : - Gramm-Leach-Bliley Act ( GLBA ) : This law emphasizes the importance of maintaining consumer privacy regarding personal financial information.

- Right to Financial Privacy Act : Protects the confidentiality of consumer financial records.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ) of this section, a consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) To a person whom it has reason to believe intends to use the information in connection with the employment of the consumer.

15 U.S.C. 1681c - Information excluded from consumer reports This section outlines what information can not be reported, including obsolete information. If an address is no longer associated with the consumer, it should not be reported.

Given that the address in question is no longer associated with me, I assert my right to privacy and the protection against the reporting of outdated or irrelevant information. This situation may have a negative impact on my creditworthiness and violates my rights under the aforementioned laws. 

I request that you promptly remove this information from my credit report as it is inaccurate. 

Thank you for your attention to this important matter. I look forward to your prompt response within the timeframe established by the FCRA. 

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

Im not sure why they will not take this off my report after i have sent in my proof this is not mine .... 


I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Capital One Bank USA, XXXX XXXX, and XXXX XXXX. The Account Opened is Capital One Bank USA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Debt collection

Portfolio Recovery Associates LLC will call 4-5 times a day. They will call from all different states. I have told them several times to stop calling but they have been refusing to listen. I know what the debt is in regards to but they keep calling over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

6. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Midland Credit Management has threatened to sue me. They sent a letter dated XX/XX/XXXX, stated that if I do not respond by XX/XX/XXXX they will sue me.I do not have a contract with them. I asked for them validate the debt that I owe with Midland by the method verification. I have sent certified letters to them on XX/XX/XXXX, and on XX/XX/XXXX. They only provided a copy of a final bill and the debt contract they purchased that they purchased in XXXX
Product: Student loan

I called in the first week of XXXX to get my name changed back ( for some reason it reverted back to my maiden name when they switched systems ) and to see if the refund for overpayment was going to be sent back to me. I was informed that the checks were sent back to incorrect address. I was in the process of moving when the checks were sent and sent in the correct address as soon as I was settled in. I was told that day to allow 7 - 10 business days for the finance department to get them sent back out. I called again XX/XX/XXXX and was told that there was not timeline and the agent was not sure why I was told that timeline.
Product: Checking or savings account

On XX/XX/23 a charge from XXXX XXXX  online payment for the amount of XXXX. On XX/XX/23 a charge of XXXX from XXXX XXXX online payment. On XX/XX/23 a charge of XXXX from XXXX online payment. On XX/XX/23 a charge of XXXX from XXXX online payment. These charges was charge from my account wich was in authorized I reported and did a fraud claim my back denied my claim and said I should contact the XXXX. I spoke with XXXX and XXXX said I need to make a claim with my bank. I dont know what to do any more so Im hoping I can get help from CFPB . This is injurious to me I almost lost my house because of this. I bank with chase even after I made the claim they allowed the merchant to continue to charge my account. I had to shut down the account and open a new one to get this XXXX to stop charging my account.
Product: Credit reporting or other personal consumer reports

Equifax has failed to send me proof/verification of the accounts they report to the credit agencies on my behalf. I have attempted to gain this info from Equifax and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX XXXX FOR THE AMOUNT OF {$770.00} 2. XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$960.00} 3. XXXX XXXX XXXX XXXX XXXX {$25000.00}
Product: Student loan

In XXXX, I applied for XXXX XXXX College taking out 2 loans {$4000.00} each. Graduated in XXXX. 
Attended XXXX XXXX Colleges for several years, no loans. 
XXXX consolidated with XXXX XXXX. Unemployed for several years, {$0.00}. balance, loan forgiveness through XXXX XXXX. XXXX, my tax refund is taken by dept of education. I request proof of debt, only partial information recieved to me. Dispute. Doesn't matter. Request documents, only partial was sent to me. My new balance reporting as around {$60000.00}. and has wrecked my credit report. Agree to reestablishing loan so I can change some of this and set up auto pay. Successfully paying for several months now but they still report me as no payment every month. I can't even qualify for a studio apartment in a questionable area because my credit shows a {$60000.00}. loan debt with current no repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one XXXX XXXX XXXX XXXX with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my TransUnion report XXXX XXXXXXXX XXXX with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Product: Debt collection

This company keeps harassing me in regards to a debt that I do not owe. I have sent out a letter of validation to the XX/XX/XXXX. I have no contract with this company. The account that they are reporting was charged off in XX/XX/XXXX. I would like the collections account on my credit report from XXXX XXXX XXXX, XXXX to be deleted due to false information. I paid the original creditor " Capital One '' the remaining balance before it was sold to XXXX XXXX XXXX XXXX. 

account number:XXXX
Product: Checking or savings account

There where multiple fraudulent transactions. Dates include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The total amount comes out to {$14000.00}. Those checks where not authorized by me, my check serial numbers start from XXXX -- XXXX these serial # s are random. My checks I have kept in my safe. Truist bank denies to refund the unauthorized charges.
Product: Credit card

The merchant, XXXX XXXX, claims that these disputes, which were resolved in the cardholders favor, were somehow taken from him two, or more, times : case number XXXX ; case number XXXX ; case number XXXX ; case number XXXX.
Product: Debt collection

I had a hospital visit two years ago for XXXX. My insurance and my parents covered all the medical expenses. About a year ago, out of nowhere, a debt collection agency ( ARS Account Resolution Services ) started contacting me for a supposed debt of {$640.00}. They however, refused to provide me with any verified documents, itemized bills or any documentation from the hospital or doctors at all. They have been harassing me with phone calls and threatening to ruin my credit ( Which they have already done and I am in the process of fighting ). I have contacted my insurance and they have assured me that they paid their portion fully. I have contacted the hospital, and they can not verify this agencies claims. I would like this matter resolved and would like the harassment and threats to stop.
Product: Debt collection

Credit Management LP is trying to collect a debt from me that I do not owe. My XXXX  report was reflected a " unpaid '' account status and I've never entered into any business with this company. This entry is defamation to my character, I will not hesitate to file a suit against you in small claims court for this violation of my rights.
Product: Checking or savings account

I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, 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. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a certified letter disputing the validity of the XX/XX/XXXXthey are reporting on my credit report. They responded with a letter stating it was verified through a data furnisher. 

I have asked Experian to provide me with the validation methods multiple times only for them to respond back with it was verified through a data furnisher. 

I have informed them that thisXX/XX/XXXX has already been removed from other credit reporting agencies and if they can not validate the debt with the original creditor it should be promptly deleted. 

This has cost me thousand of dollars in interest and caused undue burden. 

This needs to be deleted immediately from my credit report if it can not be verified within 30 days.
Product: Payday loan, title loan, or personal loan

I applied for a loan at Wiseloan in the amount of XXXX I have paid them twice. in the amount of XXXX each .... I did not realize they were charging me over XXXX for XXXX. XXXX This is more than 3 times the amount I borrowed which I feel is ridiculous. 
My major complaint is I feel this company is taking advantage of consumers like myself that did not notice we would be charged that much more than what I borrowed. 
I feel that it is very unfair and when you can't pay those large amounts, they threaten to place the balance owed on my credit ....