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

I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$710.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX : $ XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This is a fraud case with my business checking account. I own a construction company and was given a fraudulent check to deposit into my business checking account for a closing on a piece of property. We deposited the check like we have for almost 30 years. Our bank made the funds available. We didnt ' feel like anything was wrong. We followed the wire instructions to send to closing and then found out the check was fraud. We have contacted the police, FTC, Attorney General, the other bank it was wired to, XXXX fraud dept at Chase bank, FBI, and now here. We can not get anyone to help us. My own bank ( Chase ) dismisses us like we are the criminal. I am at my wits end and are about to loose my business because of this. Can someone PLease help me? 

THanks so much, XXXX XXXX
Product: Debt collection

On XX/XX/2023 I attempted to return a XXXXXXXX XXXX XXXX I was moving out of my apartment and no longer needed the service. Utilizing the " chat function '' on XXXX 's website which I have proof of. I was given an address of a local XXXX business that would return my modem. I then called and recorded my conversation with the representative that told me I could return my modem to her. I then drove to the store and returned the modem while I recorded the conversation which I have. I was given a receipt for the returned modem with my name on it and the business information. Since, I have received bills stating owe {$100.00}. When I got those bills I called and had it taken care of. I have an email stating the {$100.00} refund as well. Fast-forward until today, I received a complaint on my credit report of a debt collector attempting to collect {$100.00} for XXXX for the same modem. As a recap, I have two audio files, a chat log, an email, a receipt, and bills for a product that was returned on XX/XX/2023. I don't know what else I'm supposed to do, but I do know that this is very common for this business.
Product: Credit reporting or other personal consumer reports

I am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX  XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.
Product: Mortgage

AURORA LOAN SERVICE SOLD ME A PREDATORY HOME LOAN AND THE FOLKS IN A CLASS ACTION SUIT HELD IN MINNESOTA DECLARED THEM GUILTY ; SENT ME A NOTICE STATING SO WITH A {$600.00} CHECK FOR COMPENSATION. 
THEN THEY HAND IT OFF TO NATIONSTAR AFTER BEING ADJUDICATED FOR THEIR CRIME. PLEASE FIX THESE ERRORS AGAINST MY CREDIT. I LOST MY INHERITANCE MONEY TO THESE CROOKS. SHAMEFUL, XXXX.
Product: Debt collection

I got a bill from XXXX XXXX XXXX stating that I owe a {$56.00} for a visit that I took my daughter to. My husband is in the military so we have tricare and I have been to this hospital several times before but never had any issues now all of a sudden this is showing on my credit report as a collection. I am not even the policy holder my husband is. I tried to talked to XXXX XXXX XXXX about this and they told me that they ca n't do anything until they talked with the insurance company but is n't that what they are suppose to do before they put this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been charged {$14.00} from Experian for a credit report for several months. I never signed up for this paid subscription service. I spoke to an Experian representative over the phone and they said they can not cancel the subscription as it does not appear on my account. Nevertheless, I have been charged for a subscription I never signed up for.
Product: Credit reporting or other personal consumer reports

Orginal lender account was set up auto payments. Then with covid i continued to make payments then account was sold and account went into deferred payments because of government made a new forbance or extenstion and my auto payments halted and i was removed of the autopayments with netnil without my knowledge. Then i had been showing current uptil XX/XX/year> with no contact or communication from lender. Then i was reported XX/XX/year> as 90 days past due to the credit bureau.
Product: Credit card or prepaid card

On XX/XX/2021 I made discover card payment from my bank account that was ok. On XX/XX/2021 discover took from me {$1600.00} from my bank account without my authorization. I only get {$790.00} a month from ssi. Their bank knows I only get a small amount and I make small payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} CXXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}
Product: Checking or savings account

I have to drive across town to the only Chase ATM. I've gone there and sometimes that one ATM is out of order. This has happened at least eight times since I switched to Chase a year ago. Sometimes there's a line that is wrapped around the building. I waited in line for over 30 minutes only to get to the ATM and my debit card got stuck inside and I was lucky enough to be able to retrieve it before I left. And I left without depositing or withdrawing money because the ATM was out of order. This is an issue because my local Chase Bank is 35 miles away and I have to call chase to despute fees. It shouldn't be my responsibility to call chase to let them know their machine is down. And there should be a easier way to report it to chase at the ATM or on the app.
Product: Student loan

My name is XXXX XXXX XXXX. I am permanently XXXX. I am currently receiving XXXX. Before I became XXXX, my loan was set to autopay. I was never late, and I never missed a payment. According to the payment agreement with Nelnet, if one set their payment to autopay, Nelnet would reduce the interest rate to somewhere south of 6 %. My loan has been on auto debit during the entirety of my loan. Nelnet and Great Lakes used this difference in the interest rate to falsely report to the government the amount I paid to them during the time I was repaying my loan when in fact they were applying the funds I paid to future payments in order to keep me from paying on the principal. When the inquiry came from you guys previously, they reported to you all that my loan was being repaid at 6 %. 

Now that my loans have been transferred or are being transferred. Nelnet has transferred my loans at the discounted rate based on the auto debit rate leaving behind the difference in the interest rate each month. So despite the fact that I became XXXX on XX/XX/2020, and the letter says I am entitled to a refund of all payments made after that, Nelnet is now actively charging me the difference in the interest rate each month showing that for the first time in the over 15 years that I had been paying on my student loan despite serving in the XXXX XXXX in XXXX, Law Enforcement for 8 years, and as a state prosecutor all the while being told I did not qualify for the Public Service program, Nelnet is still using predatory tactics to not only cheat me, but to cheat the government as well. I am XXXX through social security. I am 90 % XXXX veteran. Sending Nelnet a letter to ask them about it is a little like sending a serial bank XXXX a letter asking him about a previous bank robbery. At what point is someone going to engage in a serious inquiry of a company where there is more than probable cause that they are engaged in wire fraud, mail fraud, conspiracy, and a host of other crimes. How many other people have to complain about these people. Currently my account with Nelnet looks like I am in arrears for the first time ever. I am hopeful that someone can actually assist me in this matter. Thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquiry from XXXX XXXX XXXX on XX/XX/23 From Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF EDXXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX  and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Experian received my last complaint on XX/XX/2020 and did not respond until XX/XX/2020. Due to the untimely response exceeding the 30 days allotted time, it is my right that the item be deleted for no response within 30 days. 
Furthermore, I NEVER received any correspondence for the item in question from the creditor therefore this item has no place on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting has failed to update my credit report for several years, the last update was XX/XX/2021 this is highly unacceptable do to this company being responsible for reporting your status of credit to other companies
Product: Mortgage

In XXXX of this year I received a email from my current mortgage holder Freedom Mortgage saying I could reduce my mortgage payment and keep the same term on my mortgage. I callled the number and got a Loan Advisor named XXXX XXXX. He said we needed to provide oruXX/XX/XXXX 1099s for Social Security and our 11099s for ouur IRA accounts and to sign the loan documents. The loan promised a.25 % reduction in thhe interest rate on our mortgage.XXXX  got back to us an said our debt to imvome ratio was too high. I tolod him y son paid the mortgage on one the houses on our credit report. Ha asked for proof that my son paid the mortgage and we provide it.He said he uploaded the documents to his underwriting teaqm and he would let me know as soon as he hear back from them. I haven't heard from him since, despite several emails and phone calls to him. In XXXX of this year I got the same offer from nmy mortgage company again. I again called and got XXXX XXXX Loan Originator. I went through the same process as before. Provided the same documents and signed the same loan agreement, On Wednesday XX/XX/XXXX XXXX XXXX said she submitted my file to underwriting and I should here the results by Friday. I haven't hear from her yet, despite emails and phone calls.. 
I have attached some of my correspondence with both company rpresentatives.
Product: Debt collection

Merchants Credit Association continues to report and attempt to collect a debt that was reporting incorrectly and resolve with a different collection company XXXX.
Product: Checking or savings account

My business XXXX XXXX XXXX wrote a check to XXXX XXXX who is a tax collector in the town of XXXX, NY. The check was for town taxes in XX/XX/2023. The check is in the amount {$2800.00} dated XX/XX/2023. It was deposited on XX/XX/2023. The endorsement on the back of the check in unreadable. XXXX XXXX clams not to have received the check and not deposited it. I was not made aware of this fact until XX/XX/2023. JP Morgan Chase is my bank. They say it's to late to do anything about this. I should have contacted them earlier. They say there is nothing they can do and will not refund the money. The only info they were able to give me is that the check was deposited to a XXXX  XXXX XXXX account. Not which branch or which account number. 
I have a bank printout of the front and back of the check. Someone was able to deposit this check without making any changes to the front of the check.
Product: Credit card or prepaid card

In XXXX 2023 I opened a line of credit with symphony credit card to purchase a piece of art on a Norwegian cruise for {$5300.00} dollars. I never received item and began being charged for item I never received. I was in formed XXXX weeks after ordering that my item was finally going to be shipped to me. The item has never been delivered and I have not received nothing. So much time now has gone by that I no longer want the item and want a full refund on my credit card. I have reached out to the credit card company multiple times and was informed all sales are final and that the merchant can still charge me for an item I never received and that I can get a credit to buy something else from them. I do not want a credit to purchase something else. I want the fee off of my credit card.
Product: Checking or savings account

I opened an account with XXXX, which is partnered in some way with Fifth Third Bank. XXXX  is a scam. They hold your money hostage with no way to access your money. XXXX  will do nothing to help. Fifth Third plays a role in this. It makes no sense that this is allowed to go on. Somone needs to require a back to make funds available.
Product: Credit card

XXXX charged us over {$10000.00} for the creation of two online landing pages for our company. They set up the admin rights under waltoe and not our firm. When we cancelled the mo. subscription we detected the fraud that was committed and they refuse to relinquish property that is not theirs
Product: Debt collection

XXXX XXXX called me at XXXX PST. Calling about my second mortgage. I am one month ahead in paying my bill and been harassed before by XXXX at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a fraud identity report from the police department as well as a FTC Idenity theft report I also uploaded documents via CFPB portal to all 3 credit bureaus advising that these 3 medical accounts are not mine I submitted my health insurance card and also my HSA visa card with over 2800.00 for medical expense I have been insured for over 6 years with the same health provider. these are not my medical accounts and I want these items removed ASAP if you r bureau has already removed please disregard. please review recent documents submitted by the CFPB in refrence to these accounts XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is harrassing me over a debt that belongs to my deceased Uncle. They call me at work even though I explicity told them multiple times to not call me at work. I also asked for them to stop calling my cell ( XXXX ) these people have not sent anything to me regarding debt and are harrassing me on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 disputes entered XX/XX/2021 and as of XX/XX/2021 they are still under investigation. And no one has contacted me to tell me why.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Equifax credit reporting agency XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. These accounts haveresulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I called capital one on XX/XX/18 at XXXX XXXX   mst to inquire about a forebearance or workout option. Due to medical issues, we have experienced a reduction in income as well as a substantial increase in medical expenses. I explained that due to the unexpected changes, I am unable to make my minimum monthly payment. I was told by the original representative that no options were available to me. I inquired why and was told that the reason was because the system said so. I escalated to a manager who identified himself as XXXX who was quick to inform me the system said he cant help us and the only thing he could do is waive a late fee. He then said in a frustrated and sarcastic tone, " I don't know '', and ended the call. He did call back at XXXX mst and say it was the system that disconnected him. I asked to be transfered to the office of the president to lodge a complaint and was told he could not transfer us or provide the number or address because they do not have an escalations or complaints department. He indicated that the only option was to provide an address to genrral corespondance. I declined. I asked for his manager and the call was then connected to XXXX, agent XXXX who said he can help by taking a survey to see if we qualify. After guiding our answers and using the info he wanted to put into the tool, he ran our info and said the system denied us and he doesnt know why. We asked for a reason or a letter explaining denial and he said they can not provide either, as its up to the system to decision and nobody knows the logic behind the decision engine. He said the only other option was to do a settlement where we come up with the entire amout in 2.5 months and they close the account. I informed him that again, as stated, I couldnt make the minimum payment and that was not a viable option. I advised I felt it was against the law to deny me without an adverse action letter and agreed but said that no letter exists, as the system makes all decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I opened a dispute with Experian on the alleged Bankruptcy that is being reported under my profile. On XXXX XXXX I received my results. HOW IS THIS POSSIBLE? They DID NOT INVESTIGATE the alleged account. I have enclosed the letter from the court house saying they do not report to the credit bureaus and that if they need to get the information they would have to send an employee to get this information, which they never do and DONT DO!! Therefor they are reporting INACCUARCY and damaging my name and my rights. They NEVER VALIDATE or VERIFY and send me ; the consumer PROOF!! Enclosed is the letter from the courthouse and proof of dispute and how quick they just came to this CONCLUSION!! I will be filing with the XXXX and the XXXX XXXX as well.