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

I have unauthorized Inquiries and credit cards on my account that I did NOT allow I reported it to the FTC and would like them removed from the 3 credit bureaus on my credit report, being that I am a victim of Identity theft
Product: Debt collection

This account is a result of idendity fraud. I have not sign a contract with LVNV Funding and have not given written permission to contact me. According to 15 USC 1681 ( a ) ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and The company has listed a fradulent negative account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, XXXX XXXX XXXX
Product: Student loan

My XXXX loans were put on the SAVE plan a few months ago, meaning my monthly payment would be {$0.00}. However, I had to consolidate my loans. I did that through studentaid.gov, applied for loan consolidation and made sure that I specified that it needed to have the SAVE plan applied to it after the consolidation was done. However, when the consolidation went through, MOHELA completely deleted the SAVE plan from my account, disregarding my previously applied SAVE plan as well as the SAVE plan that should have been applied to my loans when the consolidation finished, resulting in me now accruing interest that I would not otherwise be accruing on the SAVE plan, as well as having a $ XXXX  monthly payment for a loan I already got the approval for reducing with the Income-Driven Repayment plan. I attempting to contact MOHELA about this issue but have received nothing but silence back.
Product: Student loan

I have had trouble paying my private student loans this past year. Many loans became delinquent and were moved around from different servicing agencies. National Collegiate Student Loan Trust & XXXX XXXX XXXX XXXX filed a lawsuit, " Summons Civil Action '' in the XXXX County Courts, case # XXXX. I reached out to the law firm representing National Collegiate Loan Trust and they said there is no way to contact " their '' client and they are refusing to provide me with payment history on the loan that was originally taken out through the lender XXXX XXXX XXXX XXXX, XXXX. for {$6000.00} on XX/XX/2005. I have made many payments towards this loan over the past 10 years, but National Collegiate and their affiliates refuse to provide that information. I have been calling all of my loan services to get all of my history.
Product: Credit reporting or other personal consumer reports

There are municipal court records showing that is not mine! 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within XXXX  days
Product: Debt collection

XXXX Midland Management filed a Summon/Complaint Case Number XXXX I am writing to file a formal complaint against Midland Management regarding their handling of a debt collection case that involves several violations of my consumer rights. 

Midland Management has recently filed a civil case against me under a name that is not recognizable to me. They have been persistently harassing me for a debt that I do not owe. Moreover, I was forced to pick up paperwork at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, which I believe pertains to an incorrect person and address. 

This situation began when I noticed Midland Management listed on my credit report and sought to verify the accuracy of the information. During this process, it became evident that the information was filed incorrectly. Since then, I have been subjected to daily stalking and harassment by Midland Management Inc. 

Midland Management 's actions constitute a clear violation of my consumer rights, specifically : 1. Filing a case in the wrong jurisdiction.

2. Harassment and undue stress related to a debt that is not mine.

I request that the CFPB investigate Midland Management 's practices in this matter and take appropriate action to rectify the situation. Enclosed with this letter is a copy of the relevant documentation for your reference.
Product: Credit reporting or other personal consumer reports

I have contacted bridgecrest numerous times prior to the due date of my car payment to have my monthly payment pushed to the end of the loan. I advised my father was sick and I was behind in taxes. They refused to file the request till my payment was past due on the XXXX of XXXX. When I called in XXXX they advised it has to be close to 30 days past due to file. Contacted in XXXX and at this time my XXXX in XXXX, again refused to submit request until after the XXXX in XXXX. Called at this time and advised it was the XXXX, and called again in the XXXX and they finally sent the request but advise will report my XXXX payment deliquent which is not due till the XXXX. Advised I would like to request both month pushed as I am paying funeral cost as my XXXX passed  on the XXXX and advised this can not happen till the XXXX at which time my XXXX will report to the credit bureau as delinquent. I feel this is an inappopriate tactic used on consumers especially those who have made payment on time. This is blackmail or strong arming the consumer who is attempting to stay in good standings. They never sent a receipt of filing the request and never provider references as if the conversations will be erased. They never approved or declined the request or informed consumer. I had no information if accepted. They pushed this to my credit as if not paid but all payment were made up to date by the end of XXXX as it was unclear if the request was accepted. They failed to communicate the process or if accepted or declined.
Product: Debt collection

I 'm a widow and my husband was the major income contributor in our family. I tried to get help form Ocwen before I could no longer make the payment. I filled out the Hardship paper work and sent it in. I was contacted by a representative and he told me he would be my point of contact. He said I was missing some paper work so I got it together and sent it in. Three weeks later I hadnt heard form them so I called, Long story short I had been assigned to a different person and they had not recieved the paper work. This happend for the next couple of months until they said the information was too old I needed to start all over again. 

I was behind on my mortgage for a few months but I got it caught up in XXXX 2016. Now they are calling me everyday about when I am going to pay XXXX payment and it is not late until the XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries.
Product: Credit card or prepaid card

I had an identity theft in XX/XX/XXXX, including theft of my Bank of America Credit card. The fraudsters changed my account address, email and phone number. I reported it to the police but the police have made no progress on investigating this. 

Then, they made about {$5000.00} in additional charges. I have called and talked to Bank of America repeatedly, talked to multiple departments, escalated the issue to get this addressed to no avail : They have XXXX  up time and again including : - They cancelled my account that was previously in good standing since XXXX - They sent a new card to the fraudsters address even though I told them to send it to me. The fraudsters went wild with the new card and charged up several thousand dollars - BofA are a complete run around to deal with and transfer you all over the place. XXXX has a much better process and system and resolved issues in a about a week. 
- I went into the local branch to take of this and the branch said it wasn't their problem and they couldn't help me - XXXX? - the Retail silo and the credit card silo at BofA dont like each other, don't talk to each other and completely XXXX up when it comes to resolving issues for consumers. 
- I couldn't get online access to see my accounts and what was happening. I still don't have this. I finally am getting paper copies sent to my right adddress. 
- I had enrolled in paperless banking, so I had no access at all to my account, couldn't see the fraudulent transactions and wasn't getting bills - BofA originally reversed the fraudulent charges and then put them back on my bill - over $ XXXX - The fraudsters opened a BofA bank account with the fraudulent address even though I reported that this address is fraudulent - My credit has been damaged and BofA refuses to change any of their reporting to the credit agency - The fraudsters keep trying to open BofA cards in my and my kids names. The credit is denied and my credit score continues to tank. 
- You know why the fraudsters keep trying to open fraudulent accounts at BofA and not other institutions that I bank with? Because they know how bad BofA is at detecting fraud and works their silos against them. 

I'm totally fed up and I'm going to sue these XXXX after I send letters to the editors.
Product: Credit card

US Bank erroneously charged me for three months in a row. I have a VPN that is XXXX a month through XXXX. I received charges for {$60.00} twice and US Bank would not report the fraud. AdditionallyXXXX XXXX XXXX in XXXX XXXX, IL stole my credit card numbers and charged me three additional times in addition to the two times I went there to buy cigarettes.
Product: Debt collection

Dear Sir/Madam XXXX Allied Account Services Inc. ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.

The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's check to find out if you were impacted by their stolen data opts you out of being able to sue them, or take part in a class action. They do not inform you of this fact anywhere on the website route to check your status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today I demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.
Product: Debt collection

I am receiving daily phone calls for a person who does not reside in my home. 
I have repeatedly asked Capital Accounts llc to not call me to no avail.
Product: Credit reporting or other personal consumer reports

Im in disbeliefthis morning, I found that incorrect accounts had appeared on my credit report for no reason. I review my report regularly, but today, there were unexplained discrepancies. I tried refreshing my browser, thinking it was an error, but the wrong information was still there. I am truly frustrated and need the documents I submitted to be reviewed thoroughly so this doesnt continue haunting me.
Product: Credit card

I received a Citi Prepaid Services card, and on the back of the letter that came with the card, it said ( as can be seen on pages XXXX and XXXX of the attached document under the section EXPIRATION DATE ; AVAILABLE FUNDS DO NOT EXPIRE ) " if you do not use the full amount on your CITI PREPAID SERVICES CARD by the expiration date, we may issue you a new CITI PREPAID SERVICES Card automatically, or you can call customer service to request a new CITI PREPAID SERVICES Card ( the " Replacement Card '' ) ''. However, when I called customer services to receive a new card after the old one expired while there was still money on it, they said they could not and have never been able to issue me a new card. They asked me to fax the document over, which I did, and now they are giving me the runaround and acting like they never received the fax. Thus, not only have they intentionally given me false information on the letter, but the customer service was some of the most unhelpful and rude that I have ever encountered.
Product: Money transfer, virtual currency, or money service

I sent money through TD Bank unknowingly that the bank and company I was sending it to was a fraudulent company. I have asked for help from TD Bank on this and they keep refusing.
Product: Debt collection

On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent accounts and address on my credit report. This information is preventing my from attaining my XXXX XXXX XXXX. 

Please remove this fraudulent information. 

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

I have retained new copies of my credit reports, and noticed that SAFCO did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you received on XX/XX/2018 per CFPB. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

XX/XX/2018 Hello, Thank you for your complaint XXXX-XXXX about SAFCO. We've sent your complaint to the company for their response. 
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 
You should receive a status update within the next 15 days. 

Your company responded on XX/XX/2018 and still failed to place a notice to dispute to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed several accounts from XXXX XXXX, XXXX XXXX XXXX XXXX I have never had an account or contract for service with EITHER COMPANY please provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for Trans Union, XXXX   and XXXX diligent examination of these accounts..
Product: Credit reporting or other personal consumer reports

This information is being reported inaccurately on my credit report please remove any derogatory payment history and loan statuses from this account.
Product: Credit reporting or other personal consumer reports

I receive a copy of my credit report and notice i had fraudulent account on my report, I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as i requested. 

Correction to my credit report, I demand this account be removed from credit report
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of the following accounts : Account number XXXX CREDIT CARD Account number XXXX CREDIT CARD The purpose of this letter is to report an issue negatively impacting my credit reports. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I have filed this report. I have reached out to the mortgage company regularly and it never gets fixed. I keep getting told that it take a couple of months to get fixed, and to just wait. It has been escalated to a higher level, but it still does not make a difference. My credit report shows that I have never made a payment, when in fact, I have made them. As a result, my credit score keeps declining, and my family and I are trying to move, but because my credit score has become so low, we can not move. 

I am simply asking that the mortgage company make sure that my payments correctly link to my account, and also to go back and have my credit score to reflect the true payments.
Product: Checking or savings account

My Chime account was compromised when my identity was stolen and the person took a total of {$6800.00} from my chime account and transfered the funds into my cash app account then forwarded the funds to his cash app account this started in XX/XX/year> and continued through XXXX filed a police report, Federal Trade Commission report and supplied chime with the information and continue to get denied my funds i will send the files to you all.All these transactions were made while I was incarcerated from XX/XX/year> to XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not mine, I don't even have this card but yet it states that this was an inquiry on my credit report. 

It's a Bank Credit Card inquired on XXXX XXXX XXXX XXXX
Product: Mortgage

I am attempting to refinance my primary mortgage. 
I had a XXXX through Bank of America on my primary mortgage. I have paid it off and closed the BofA XXXX. However on my credit report there is another BofA XXXX  showing " open '' with a different account number. 
We have tried to call multiple times to deal with this. Hold times have been in the hours to wait and speak with someone. On XXXX we called BofA and they said they would mail a letter of closure. Never arrived. The account still shows open. On XX/XX/18 we called and the person said the account number was not valid, and then said she would transfer me to someone who could help. Instead she transferred me to XXXX XXXX. I suppose that's funny. 
Additional ways to contact them are through a secure email on their web site. However that tool does not work. 
As it stands I still have a open account with a lean on my title. 
I am attaching a payoff letter with proof of payment via wire transfer, and a supplemental credit report showing the open account with a different account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents from XXXX XXXX XXXX XXXX credit card services, in reference to this fraudulent account that has been disputed several time with all 3 credit bureaus and also reported to Identity Theft. XXXX  has already deleted this account by XXXX Bank by their investigation and also sent me an updated credit report via mail. I am requesting for XXXX  and Esperian to remove this account from my credit file immediately. This account was opened unauthorized and is damaging my credit file. See attached documents from the creditor.