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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$42000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting

My complaint is with XXXX, XXXX, Equifax. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to apply for EVERYTHING you can think of I need EVERYTHING removed immediately I have already disputed with XXXX, now I need transunion to do what they need to do this is becoming a headache
Product: Student loan

Hello, I am writing a complaint with MOHELA and XXXX regarding the handling of XXXX XXXX XXXX 

I have been a long time customer with MOHELA for my Federal Student Loans. I originally submitted by XXXX application last XX/XX/XXXX. I had my loans transferred to XXXX shortly thereafter in XXXX of XXXX. I received correspondence from XXXX that my XXXX XXXX XXXX XXXX for XXXX in XXXX of XXXX. I did not hear anything further regarding my XXXX XXXX until I followed up with XXXX in XX/XX/XXXX. It turns out that my application was rejected because I didn't notate that I worked " full time ''. I selected that I worked " part time '' because I always worked XXXX hours per week. I never On XX/XX/XXXX resubmitted only the first page of my application ( it was not told me that I should resend the entire packet pages XXXX & XXXX ) notating that I work " full time ''. On XX/XX/XXXX, I submitted page XXXX of my XXXX application. On XX/XX/XXXX I confirmed with a XXXX representative that the XXXX pages could be combined if they were submitted within 90 days of XXXX another. 
On XX/XX/XXXX and XX/XX/XXXX I received information from XXXX that my XXXXXXXX XXXX  was missing information. On XX/XX/XXXX I again spoke with a representative from XXXX who assured me that my application would be combined and there should be no problem. 
After speaking to multiple people at XXXX and not being able to confirm I had a complete and accurate XXXX XXXX  I chose to submit a new application on XX/XX/XXXX. I received confirmation of receipt for this application from XXXX and my loans were transferred back to MOHELA on XX/XX/XXXX. 

I have made multiple calls to MOHELA to check on the status of my XXXX XXXX  since returning back to MOHELA in XX/XX/XXXX. At times my wait times have been over XXXX hours to speak with a representative. Each time I have spoken to a representative they assure me that I have an application, but are unable to provide information regarding a time frame for possible forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting or other personal consumer reports

I have disputed the inaccuracy of this bankruptcy with XXXX three times. First back on XX/XX/2023, they claimed that time that the information was sourced from XXXX XXXX. I contacted XXXX XXXX and they deleted the information from their records and even provided me with a letter which I will attach here, as soon as I have a chance. When I got the letter from XXXX XXXX, I disputed the information again with XXXX back on XX/XX/2023 and the bankruptcy came back again as " remains '' because they claimed they never received the proof I had submitted which was the letter provided by XXXX XXXX and they wanted me to dispute the information again which I refused because at this point I knew this was an strategy of theirs, to stall and keep me in a loop and never really address the issue and remove the inaccurate information according to Fair Credit Reporting Act 15 U.S.C. section 1681 which there are not in compliance of. After so much back and forth with them, I agreed to dispute the information again on XX/XX/2023 and they assured me on the phone that, because I had provided the letter this time and they could confirm they got it, they would certainly remove the inaccurate information. They just completed the investigation and the disputed information came back ( once again ) as " remains ''. I feel powerless because these credit bureaus abuse and violate our rights. XXXX more thing, they never on their last investigation who was their source for the bankruptcy, as a matter of fact, they never disclosed it in any of their investigations I had to call and ask. Please help!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The deletion or suspension of accounts due to a data breach or unauthorized inquiries is regulated by the FCRA Section 605B ( 15 U.S.C. 1681c-2 ) and FCRA Section 604 ( 15 U.S.C. 1681b ). I am writing to formally dispute accounts on my consumer credit report, stemming from a data breach or fraud. I demand verifiable evidence with my signature/electronic signature. This letter represents my complaint against a violation of my consumer rights under FCRA Section 605B and FCRA Section 604, as these actions lacked proper validation or original proof from the reporting companies. 

Listed below are the Accounts that are being challenged : XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Collections that are being challenged : XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX - XXXX Do you know if I did not authorize this inquiry? - The following inquiry was not authorized and should not be reported.
Product: Debt collection

XXXX XXXX are trying to collect a debt from me but it is not mine. I never owed anything to Capital one. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
Product: Mortgage

I received a letter from IRS stating The mortgage company ShellPoint bought mortgage XXXX ) indicated I owed IRS money because I lied to XXXX XXXX ( XXXX ) about being on XXXX XXXX while I was a XXXX. They called me at the time to say that and I lied and I tried to send them my XXXX but they wouldn't take them. 

I have over 7 years of consecutive orders, I am a XXXX with a XXXX XXXX. We lost the house because of my husband 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). He XXXX XXXX XXXX. 

Now the IRS is quickly putting fees on money ( {$3000.00} up to {$4500.00} ) I shouldn't owe.
Product: Debt collection

I received a phone call from XXXX. Listed as " XXXX XXXX '' when I answered the gentleman on the line said he wasnt sure why it came up as " XXXX XXXX '' andvthen stated he was calling from mcm. I asked what mcm was and he simply stated " Midland. '' This is deceptive call tactics in an effort to dupe people into answering their phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my daughter for a fictitious .My daughter called a representative at Shellpoint Mortgage Servicing customer service number, on XX/XX/XXXX she indeed confirmed this was an error and confirmed the following details : The loan was originally with XXXX Mortgage XXXX it was scheduled to transfer to Shellpoint but never transferred because the truth of the matter is my husband refinanced from XXXX XXXX XXXX of 2019 with no delinquencies prior and neither me or my daughter were even on the loan when XXXX was the mortgagee. I dont know how my mom and I were even on XXXX record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! My daughter and I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my daughter, husband or I never received any correspondence from Shellpoint, or XXXX about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to Shellpoint, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. Shellpoint is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove fraudulent inquires from credit reports.
Product: Credit card or prepaid card

I have been having some financial problems lately, so my payments have been late ; but I have been making them. My payment was due on XX/XX/19 in the amount of {$160.00}. I made full payment on XX/XX/19. On XX/XX/19, a new statement generated. The company applied the payment of {$160.00} to the new balance instead of the {$160.00} that was due on XXXX. This caused me to get charged a late fee. I chatted online with a customer support rep and they basically said that is how things are done and there is no way to have it applied towards the XXXX balance. This is unethical and I would think illegal, since it tips the balance in their favor, kicks someone who who is financially down ; but trying. I was supposed to get a copy of the chat transcript, but that never came.
Product: Debt collection

The credit card transactions in the amounts of {$100.00} and {$50.00} were timely disputed with the issuing banks. The merchant XXXX XXXX XXXXXXXX XXXX XXXX XXXX " XXXX '' ) did not respond to these disputes. As such, the banks credited back the respective amounts to my credit cards and closed the disputes. 

Several weeks after the disputes were closed by the banks in my favor, XXXX reported these amounts to Fair Collections and Outsourcing, Inc. ( " FCO '' ) as checks returned for insufficient funds and further added returned check charges of {$25.00} and {$35.00} respectively. ( See attached verification ) This is a FALSE REPRESENTATION because no checks were involved in any transaction. XXXX and FCO have attempted to portray that the closed credit card disputes were in fact returned checks. Neither XXXX nor FCO has provided me a copy of any returned check.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Request for Deletion of Charge-off with XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the XXXX XXXX XXXX  that was previously agreed upon between Regional Finance and XXXX XXXX XXXX XXXX XXXX in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the charge-off is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business XXXX to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion for the unauthorized inquiry my information was in a data breach. No action has been taken by TransUnion to remove the unauthorized inquiry.. No Date filed XXXX XXXX XXXX
Product: Checking or savings account

I paid {$11000.00} from capital checking account to capital one credit card on XX/XX/2022. The payment was returned for unclear reason. However, only {$7000.00} came back to my checking account and {$4000.00} were missing. I have talked to both, the checking account and credit card team and nobody want to take the responsibility. I have spent a lot of time on the phone trying to solve this problem and the XXXX are still missing. I need help from an external institution, because the bank is not willing to help, their investigation is closed and I can't spend more time on the phone on this issue.
Product: Checking or savings account

I was very badly harassed because of discrimination in hotels which were all run by XXXX families ( they all knew each other and I was blacklisted because I smell or something stupid they made up in there head ) and Bank of America refuse my right to dispute the charge
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act convergent account number # XXXX has violated my rights. 

15 U S C 1681 section 602 A. States I have the right to privacy 15 U S C 1681 Section 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I use a Bank of America VISA card. 

I went on vacation in XXXX XXXX. On the last day, I went to the airport. I made two charges there. One at XXXX XXXX and the other at a bar. Both were recorded on my bill. However, between those 2 charges was a charge for {$280.00} at a restaurant I never ate at. I put in a fraud claim THREE times and each time was denied. 

I asked how it could be that I was in the XXXX XXXX  AND the restaurant at the same time ( Since the charge fell between 2 legitimate charges in the airport ). I have only one card issued to me. In spite of explaining that three times, they said the chip was read therefore it's a legitimate charge. There was no discussion on my point on timing. 

This is my first ( and last ) card with B of A.
Product: Mortgage

I received a loan from XXXX XXXX XXXX in XX/XX/XXXX and there were no escrow payments set up on the loan. This was an oversight on my part and ever since XX/XX/XXXX I've been trying to get this set up for my account, which is serviced by XXXX XXXX XXXX. 

Initially TMS asked me to write a letter of intent and mail it in XX/XX/XXXX, for which I never heard back. In XXXX I was told the letter was received and my request was being processed. In XXXX there was no change. I called to complain and nothing was done to further the status of my claim other than to disable and reenable my autopay and wait until XXXX. I waited until XXXX when I checked my account and saw that my autopay never set up and I was charged with a late fee of {$120.00}. I spoke to an agent and they told me that the late fee wouldn't be refunded I wouldn't be able to have escrow payments set up until XX/XX/XXXX. I was furious and told my story that I had been trying many months to do this and this was the first that I was hearing this. After being escalated to an agent, it was settled that it would be XX/XX/XXXX. Since, I was told that autopay wouldn't work until XX/XX/XXXX as well, and have accidentally made late payments ( I'm used to autopay ). Now that we're here in XXXX. I'm not even sure if it's been set up at all. They don't respond to my emails, or return my phone calls after leaving voicemails. I've made the decision at this point to refinance again and distance myself from the TMS service. To date, I've paid {$11000.00} in interest and {$220.00} in late fees. I'm extremely unhappy with the service and problems.
Product: Debt collection

On XX/XX/XXXX, I received multiple calls from NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX, regarding and alleged medical obligation leading to a voicemail being left with an account number to alleged obilgation. I returned the call and was asked for verify myself upon requesting first and last name from representative I was told she was not obligated to identify her while had access to all of my private and personal consumer information insisting i verify whom I was when I was returning a call, she stated she would not be able assist and for safety reason would not disclose her first and last name which violates FDCPA laws further more the representative hung up. I repeated to call back to acquire information as into how this third party I have no entered any contracts with have my personal and private consumer information, I made five calls and each representative declined and refused to properly identify themselves on my third call the rep answered and said in quote " I was crazy " for asking him to identify and that statement caused deep emotional injury and damage. I spoke with a manager who agreed that reps are to identify themselves and should use profane or derogatory statements I asked if compliance would review all calls and we could resolve the violations in private however no one ever reached out to me. I did however start getting emails regarding the alleged obligation with no consent under regulation F but they continue to harass me. Today XX/XX/2022 I called in again seeking remedy and was told again the rep would not provide proper identification i was transferred to a manager who identified his first and last name and made him aware of the violations and he refused to address the matter at hand after asking him multiple times why his reps would not id he placed me on hold to confirm FDCPA laws and came back to the phone stating he doesn't have time to talk about the violations and hung up on me causing more damage and leading to more financial injury as no remedy can be made when they avoid assisting me or acknowledging their harassing and profane collections efforts pertaining to an alleged obligation.
Product: Mortgage

Beginning on XX/XX/XXXX we requested a Pay Off amount for a commercial loan with Wells Fargo as we are attempting to refinance with a different bank. After a few days we received an email from Wells Fargo from XXXX requesting that fill out a form to request the information we needed. We did so on Monday, XXXX XXXX. We have not gotten any response from anyone and can not find anyone to speak with us about this matter. Anyone we speak to wants to pass us off to someone else. We tried dealing with a local branch and were told they could not help with this matter and we would need to talk to someone in commercial banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX