23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

All credit bureaus have inquires on my credit report that I did not authorize.
Product: Debt collection

Upon an annual review of my credit report on XXXX, I noticed an account in collections I did not recognize from AMSHER COLLECTION SERVICES in the amount of {$2200.00}, beginning on XX/XX/XXXX, for  XXXX XXXX XXXX. 

XX/XX/XXXX - Called AMSHER directly and they told me that even though I've never had XXXX XXXX service in my life, this was legitimate and I needed to dispute it through the credit bureau. 

XX/XX/XXXX - Opened dispute online through XXXX XX/XX/XXXX -  Dispute results became available. AMSHER stated that the collections claim was legitimate and it would remain on my report XX/XX/XXXX - Called AMSHER once again to dispute the collections claim. Spoke to a XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX, XXXX based in XXXX, AL. He asked for my SSN and name. He informed me that my name didn't match the account in question, nor did my address. The account in question is under XXXX XXXX at XXXX XXXX XXXX, XXXX, TX. I do not, nor have I ever lived there and that is not my name. 

XX/XX/XXXX - Reviewed my credit report once again and found discrepancies with my past addresses, name spelling and SSN, including the name and address mentioned in the collections claim. I opened cases with XXXX and all incorrect information was removed from my report. 

XX/XX/XXXX - AMSHER responded to the dispute through XXXX and stated that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Please help, this information is NOT correct and it's affecting my credit score. Please let me know the next steps. Thank you. - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent accounts on my credit report, which have resulted in denial of credit applications. Upon reviewing my credit report, I discovered the following unauthorized consumer finance accounts : XXXX XXXX : Opened on XX/XX/XXXX, Account # XXXX, with a balance of {$24.00}. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX, with reference number # XXXX. 

XXXX Account # XXXX : Opened in XX/XX/XXXX, Account # XXXX with a balance of {$400.00}. 

These accounts are not mine and are the result of identity theft. I have been a victim of identity theft since early XXXX, and despite repeated attempts to rectify the situation, fraudulent accounts continue to appear on my credit reports. This has severely impacted my ability to obtain credit and has caused significant distress in my daily life. 

Moreover, I must emphasize the urgency of this matter as I am also a XXXX XXXX XXXX XXXX. The financial repercussions of these fraudulent accounts exacerbate the challenges I face as a single mother of XXXX XXXX. They hinder my ability to provide for my family and hinder any chance of moving forward. 

Despite my efforts, the credit bureaus have provided minimal assistance and have made it exceedingly difficult to have these fraudulent accounts removed from my credit report. This lack of cooperation exacerbates the distressing situation I find myself in. 

Therefore, I kindly request immediate action to rectify this matter. I urge the Consumer Financial Protection Bureau to intervene and assist in the removal of these fraudulent accounts from my credit report. Additionally, I seek guidance on steps to prevent further occurrences of identity theft and financial fraud. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had pulled a copy of my credit report and noticed there was incorrect information on my report there are two hard inquiries that I never gave permission to run my credit I contacted the company and asked them to remove them if they did not have permissible purpose they stated that they had no information on file giving them permission to run it a third-party ran my credit using their system they told me I had to go through the credit bureaus to get it removed the credit bureaus told me I have to go through the company that appears on my credit report when I contacted them they continue to tell me they can not do anything about it
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX, XXXX, IL XXXX. 
Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Fay Servicing ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Fay Servicing is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because Fay Servicing has been the designated loan servicer, I am asking that you look into the following issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2019, SYNCB/PAYPAL add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an ongoing issue with my credit report. I have discovered that you are reporting inaccurate information regarding Hard Inquiries, which have been reported without my knowledge or permission. Despite numerous attempts to reach out to you and resolve this matter, no corrective action has been taken on your end. 

As a consumer, I am protected by various laws, including the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the accuracy of the information they report. According to 15 USC 1681i ( 5 ), it is your responsibility to modify or delete any information that is found to be inaccurate. However, despite my efforts, you have failed to take any corrective action, and continue to report false information that is negatively affecting my credit score and ability to obtain credit. 

Specifically, I would like to point out that the following Hard Inquiries are inaccurate and should be removed immediately : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In light of these violations, I demand that you immediately delete the inaccurate information from my credit report, including the incorrect addresses associated with the Hard Inquiries. Additionally, I request that you remove the freeze alert from my account. 

I also request that you compensate me for the financial losses and emotional distress I have endured as a result of your inaccurate reporting. 

I urge you to take immediate action to rectify this situation and ensure that you comply with the laws that protect consumers ' rights. Thank you for your attention to this matter. 

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

Inquiries Want them removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice 's, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm trying to purchase a house andI realized my account information has not been changed nor updated to correct information. FICo score and Credit Score was not updated along with balance and correct information making it hard for me to purchase loan or mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX & XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

PNC Bank screwed up our paperwork which changed our due date after we signed the loan papers. We asked for them to fix the due date but they refused and said we needed to give them extra payments in order to change the due date. We pay the loan every month before the late fee is applied on the XX/XX/XXXX but they call numerous times a day before our due date harassing us to pay them BEFORE our due date. At least 3-5 times a day on each of our cell phones which results in 10+ phone calls a day. We pay our loan every month before its late. Credit score is excellent no need to harrass.
Product: Mortgage

We started our original home loan in XXXX XXXX live with my fiancee XXXX XXXX we are not married, she is not on any of the legal paperwork for the house, HomeBridge ( my mortgage company ) did not ask for my consent ; Yet she is the one who first requested a forbearance, not myself-XXXX XXXX. We had never been late or missed a payment until XX/XX/XXXX, when we both lost our jobs.This is the reason the forbearance was requested and it was granted on XX/XX/XXXX. There is a letter from Homebridge stating that they did not get the information correct until XX/XX/XXXX. We stayed on a forbearance for as long as we possibly could- it just ended XX/XX/XXXX. The entire 18 months I was on a forbearance HomeBridge Financial has been and continues to report to the credit bureau that I am not making my mortgage payments and that I am currently 563 days past due. I have called hundreds of times trying to reach a solution with HomeBridge, I have been spoken down to, laughed at, put on hold for a manager then the line gets disconnected.I have literally spent countless hours on the phone with HomeBridge, thousands of phone calls, endless sleepless nights because there is no certainty with my mortgage company. Not once in more than a 12 month time period did a manager ever call me back. I do however have three separate letters on three separate dates stating that my account is paid up to date and as agreed for the previous 24 months. So they are telling me one thing and doing a the complete opposite. My credit score has plummeted dramatically. As a final farewell, HomeBridge sent out our loan modification packet the day that my forbearance ended. The icing on the cake is that 2 days later they sold my loan to a different company- XXXX XXXX..the sold our loan that was in default. Never was it ever mentioned that our financial provider was going to change, I feel like HomeBridge mistreated us and probably broke a few laws along the way just to sell my loan at the last second just in time for it to go into default. I would like to know what your thoughts are about this situation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was contacted through the CFPB to show this account as closed. According to their response, they have notified Transunion, XXXX, and XXXX  that this account has been paid in full and should be reported as closed no longer showing a derogatory account on my credit report. Please correct this and show as a closed account and no longer a derogatory account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX  ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX.
Product: Debt collection

Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. 

I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX XXXX XXXX. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.
Product: Credit card or prepaid card

On XX/XX/22 at about XXXX PST on my way home from dialysis my fanny pack was left on the medical transport XXXX. We contacted the transport company and they denied having the pack. 
On XX/XX/22 I phoned Direct Express about my card being lost/stolen and I was informed that a debit for {$600.00} was conducted at a market in XXXX ( XXXX miles from my house ) at XXXX. The agent took a claim. The funds were credited to my account. 
On XX/XX/22 I filed XXXX police reports. One in the city in which my dialysis center is located XXXX XXXX XXXX XXXX XXXX on within my local city XXXX XXXX Department XXXX XXXX XXXX and an incident with XXXX XXXX who refused to issue a number because I reside in another county. 
Approx 45 days later I learned that the funds were reversed. I contacted the center and was told that the investigator denied the claim and would send me written correspondence. To date I have received no correspondence why my funds were reversed. 
XX/XX/XXXX and XX/XX/XXXX my social security check was held by the institution. They refuse to provide me any information as to why any of this is taking place until they receive a ID, SS Card and now a birth certificate. I have arranged transportation to the local DMV to get a new ID since the other was in the fanny pack and social security card but Direct Express is now demanding a Birth Certificate. How am I supposed to order a birth certificate with no money?