23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a Collections letter from Eastern Account System of Connecticut , INC . for Creditor XXXX  XXXX.The letter was for a past due account payment in the amount of {$76.00}. I responded to XXXX XXXX and Eastern Account System of Connecticut with written correspondance attached to this document sent via USPS. No response from the above named participants have been sent to me. 

On XX/XX/XXXX a credit service notified me of a collection account being attached to my credit report by Eastern Account Systems of Connecticut reducing my credit score by XXXX. 

To highlight the letters attached : The account in question was closed on XX/XX/XXXX and payment rendered on XX/XX/XXXX in the amount of {$66.00} for the month of XXXX. 

On XX/XX/XXXX the modem was returned by verfied XXXX deliver to XXXX XXXX. 

The past due date letter XX/XX/XXXX is way past the termination of the account. 

Please assist, thank you so much
Product: Debt collection

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible.

3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal.

I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken.

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed i had fraudulent activity reported on my credit report. I do not currently have an affidavit for my Equifax due to the site having issues with sending XXXX XXXX but these are the accounts below 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

MOHELA has consistently reported fraudulent accounts to credit report. Request removal. Under the provisions of Section 15 U.S.C 6802 of the Fair Debt Collection Act ( FDCPA ). This states, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. I request a comprehensive investigation into the following items as it reports as an error and possible fraudulent on my credit report :
Product: Money transfer, virtual currency, or money service

I set up an account with coinbase XX/XX/year> I bought {$250.00} of XXXX. 
I had to verify my account with my driver 's license and email verification On XX/XX/XXXX I sent {$220.00} of XXXX On XX/XX/XXXX I deposited {$350.00} into my account On XX/XX/XXXX I bought {$350.00} of XXXX On XX/XX/XXXX I received {$270.00} of XXXX into my account On XX/XX/XXXX I sent {$710.00} of XXXX from my account On XX/XX/XXXX I purchased {$3000.00} of XXXX into my account Coinbase made me wait a week before I could transfer any of the Bitcoin. After a week transpired they kept a security lock on my account such that I can not transfer any of my XXXX. I explained to them that my Bitcoin was used for investments. When I asked them why my account was locked they just said it was for security reasons to protect me from someone getting into my account. Then their reason changed to protecting their system and users from things like money laundering. I took that as an accusation but they still refused to unlock my account or explain why it was being frozen. They said it was going to be frozen for 2 months. In the meantime I have made several attempts contacting support to get my account unlocked and the security team has not been in contact with me and given me any reasons why this is happening. In the meantime the XXXX market fluctuates and I am missing out on realizing profits from investments because my funds are frozen.
Product: Credit card

I am writing to dispute the inaccurate information on my credit report concerning collections and charge-offs. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC, I have the right to dispute information that I believe is incorrect or incomplete. 

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 Discover Bank- 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, credit repair services, or other personal consumer reports

I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by Aspire and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but Aspire does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called Aspire to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with Aspire is {$7300.00}, credit report shows that I am XXXX  days late in XXXX and XXXX  days late as of XXXX of XXXX  ( current for some reason in XXXX ). Again, Aspire did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!
Product: Checking or savings account

I recently opened an account and cashed a check XX/XX/year>. Once I received an gmail stating the check will be placed on hold until XX/XX/year> I gave chase bank a call asking why is it being placed on hold for 7 business days. They responded it can be released sooner by XXXX that night or XXXX the next morning if not give them a call and they can release it sooner. I never received the funds so I gave them a call the next morning and theyre now stating I have to wait the full 7 days because they cant verify the check. I called the number on the check which is the tax group I got the check from, theyre stating they never received a called from chase bank its not showing in the notes. I contacted chase bank letting them know. Theyre still saying they can not and will not issue my check until the date that is given with no reasoning. Also they cant release me XXXX in advance against my pending check. I know thats against the law
Product: Mortgage

My husband took out a reverse mortgage in order to get the mortgage they made us take my name off his wife because I was not XXXX which we did, my husband died ion XX/XX/2017, they started Forclosture on my home and it is set up for Sheriff sale on XX/XX/XXXX which my husband hasnt been dead a year yet, Ive tried to at least 10 times to allow me to get it in my name I am XXXX now Ive had NO success at all they are trying to take my home which I live in with a XXXX XXXX child, we owe {$97000.00} and home is appraised for {$200000.00} their is no communication within the company and I have spoken to over 10 different people and no one is helping or trying to help, I thought with an reverse mortgage they would at least Attempt to work it out. I am frustrated and they dont care!
Product: Credit card

I didn't sign any contract with this company. It was bought by XXXX XXXX XXXX.
Product: Mortgage

My mortgage was recently sold to NewRez. We received an escrow analysis dated XX/XX/19 from NewRez. The escrow analysis shows that NewRez made an incorrect PMI payment in XX/XX/2019.  NewRez paid $XXXX, when the PMI amount is supposed to be $XXXX. Further, the escrow analysis shows this $XXXX being projected every month going forward, causing my mortgage payment to increase by $XXXX per month starting XX/XX/2019. I called and emailed on XX/XX/XXXX to ask why NewRez has the MPI incorrect. I made a follow up call today,XX/XX/XXXX, and the NewRez representative told me there has been no progress and he would email his manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 

I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

Please delete the items as soon as possible.
Product: Checking or savings account

Starting XXXX I tried to request copies of Wells Fargo payment from XX/XX/2022 to XXXX XXXX XXXXXXXX XXXX ending XXXX, for {$350.00}. Well Fargo website couldnt help me so went into Wells Fargo branch on XXXX XXXX XXXX After spending over an hour & the banker working with a rep. who was working at the phone number given to us to get copies. Banker was told it was faxed over to her branch 3 different times! No copies receive. Banker requested copies of front & back of payment be sent to my home address, I never received either. Banker put in claim to resolve the problems that we both had. Claim number XXXX XXXX to XXXX I called claim department told them nothing is being received, 5 requests for mail of copies, 3 requests for fax, 1 request to email payee the copies. Help!!! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Real Time Resolutions charged off my second mortgage in XX/XX/XXXX and then continue to report 150 day lates in XX/XX/XXXX. From the date they charged off the account from their books they can't report lates beyond that date. I am retaining an attorney and they advised I submit a complaint to the CFPB prior to us taking legal action so they have the opportunity to correct the illegal reporting prior to litigation. See the snapshot of my credit report that I attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, XXXX Transunion, and XXXX reported adverse information on my credit report without authorization, from the following financial institutions : XXXX. XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX XXXX XXXX ( CLOSED XXXX ) 2 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX  XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXX XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX XXXX CLOSED XXXX ) XXXX. XXXX XXXX ( CLOSED XXXX ) XXXX. XXXXXXXX XXXX  ( CLOSED XXXX ) In accordance with the Fair Credit Reporting Act, I have asserted my rights to privacy. The consumer reporting agencies stated above as well as the financial institutions lack my consent for sharing my information. They've reported adverse information without authorization, which violates the law. I must point out that 15 USC 1681, section 604 ( a ) ( 2 ) states that : a consumer reporting agency can furnish a consumer report only with explicit written consent from the consumer in question. In this case where the aforementioned financial institutions providing information to credit agencies, I have not granted any form of consent, whether verbal, non-verbal, written, or implied to XXXX, Transunion, or XXXX or any of the financial institutions. I hereby revoke any such consent that might have existed. Also in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are restricted from sharing nonpublic personal information with nonaffiliated 3rd parties unless consumers are informed of their ability to opt out. I was never informed by the mentioned financial institution of my right to exercise this option. Moreover, as stipulated in 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency is permitted to include specific adverse information in a report without authorization, unless it pertains to convictions older than 7 years. The account ( s ) listed above that are being reported falls within this category of adverse information, and its reporting without my consent is in violation of the law.
Product: Credit card

Hello : I am a senior and feel I have been mislead by American Express. 

2 Advertising Promotional Complaints against American Express for the Platinum Card : 1 ) Applied but did not receive the initial promotional offer. Was told that I was not entitled to it because I had a card prior. I accepted that although there was no disclosure at time of application that stated that limitation. 

2 ) The card has a membership fee of {$250.00}. Once I was approved for the card, I did not see the flight certificate available. I called and was told to pay the {$250.00} and would then receive the certificate. I paid it but am now told that I have to paid a second annual fee before I will receive the certificate so what should have been a {$250.00} companion flight certificate now costs {$500.00}. 

The only choice Im being given now is to cancel but I will only receive {$200.00} refund because it has now been over 30 days since the fee was assessed. 

I feel like both situations are deceptive. My resolution would be a refund of the full {$250.00} but also for American Express to be more clear in their promotional offer.
Product: Debt collection

I received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. 

This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or  they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTIY THEFT MULTIPLE TIMES IN THE PAST, MY INFORMATION WAS COMPRIMISSED IN 7+ DATA BREACHES, I HAVE TRIED MULTIPLE TIMES TO DISPUTE THIS ACCOUNT WITH EQIFAX AND THE COLLECTION AGENCY AND THIS ACCOUNT STILL HAS YET TO BE REMOVED. I DID HIRE A CREDIT REPAIR AGENCY IN THE PAST AND AFTER I USED THEIR SERVICES AN ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX APPEARED ON MY CREDIT REPORT. I HAVE NEVER LIVED AT THIS ADDRESS IVE LIVED IN XXXX XXXXXXXX FOR XXXX YEARS GOING ON XXXX. I AM AWARE THAT IF A CONSUMER DISPUTED AN ACCOUNT THAT IT IS THE CREDIT REPORTING AGENCIES DUTY TO BLOCK THIS ACCOUNT 4 DAYS AFTER RECEIVING THE DISPUTE LETTER. EQUIFAX HAS FAILD TO ABIDE BY THESE FEDERAL LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor listed below have been notified and state they are not re-reporting any of the information listed on the credit file, but Equifax keeps re-reporting the items listed below after removing them years ago as a result of identity theft. Between XXXX and XXXX, Equifax removed at it leisure, the accounts listed below after receiving all the legal documents necessary to prove identity theft. After removing the items, years later in XXXX, Equifax reinserted the items listed below without even notifying me before doing it. After contacting Equifax to correct the issue, their employee tells me i have to file a dispute on these item that have been reinserted into my credit files years later. This practice by Equifax is illegal. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company has harassed me for years over an account that was opened fraudulently. All accounts opened during that time have been deleted from my credit report except for this one and they continue to harass me. Pretending to be law  enforcement, lawyers and even going as far as impersonating social security benefit case workers. I do not receive social security. As soon as they told me that the debt would be take out of my social security benefits I asked them for a copy of the apparent withhold order and they hung up in my face. Ive written letters, faxed letters, emailed, called, provided documented proof of the identity theft history with officials police statements everything. I simply want it deleted from my credit report and for these people to leave me alone!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency has indicated my credit score has dropped XXXX  points on XX/XX/2022. On the same date, Experian has reported that my credit balances have dropped, my credit utilization percentage has dropped, my payment history is excellent. It is illegal to report unfairly and not one single creditor has reported negatively to my credit reporting agencies. Therefore, Experian is required to fix the disparity and provide remedy to the decreased credit score. Computer algorithms are the new excuse as to why consumer credit scores are inaccurate, however the damage is affecting my ability to purchase a home.
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding WSTLAKESVC, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to WSTLAKESVC.

Upon information and belief, WSTLAKESVC received notification of my credit bureau dispute. WSTLAKESVC did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the WSTLAKESVC Account.

Upon information and belief, WSTLAKESVC failed to instruct the credit bureaus to remove the false information regarding the WSTLAKESVC Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the WSTLAKESVC Account.

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute.

At no point after receiving the Credit Bureau Disputes did WSTLAKESVC and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes.

The credit bureaus relied on its own judgment and the information provided to them by WSTLAKESVC rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the WSTLAKESVC Accounts to third parties.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> I do not wish to have my employer listed on my report. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Student loan

After reading the news lately about the allegations against Navient, previously XXXX, I realized that I was also being mistreated and mislead by these companies - and did'nt realize to what degree until now. I currently have nearly {$100.00} XXXX in student loans, most of which are private through Navient. Navient also took over my federal loans recently from XXXX, to my regret of course seeing as how they 've handled loans so far. 
When I first looked into attending college, I was pushed by the " student services '' staff at my University into taking the private loans. At the time I knew nothing of college or finances, but I was assured by them that my struggling parents made too much money and these were the only way to go. What a grave mistake I made. Since then, I have been struggling everyday with this giant financial burden. I did graduate and I continue to make my monthly payments. However, I paid over {$100.00} XXXX for a XXXX of XXXX or XXXX, which did n't help me get a job making nearly enough to pay off the loans. 
When I began reaching out to XXXX, they were very aggressive and would continually push me into asking relatives for money, allocating other bill money like rent to them instead, and into using up all 12 months of allotted forbearance at once, not telling me that they only allow that much time over the life of your loans. I have never had a pleasant experience with Navient and my interest rates continually change. 
Two years ago I was desperate for help and a representative helped me over the phone to extend the life of the loans while bringing my interest down to 2.5 %. She explained that it would be locked in at this rate for the life of the loan if I added on another 10 years to it. I entered the agreement and after only one year, the rates went back up and I was stuck with 10 years on my loan agreement. When I called, they denied the original agreement and told me that the agreement was for only one year. The last time I spoke with them, I asked them if there was any way they could help me and they simply said " No, there 's nothing we can do for you. '' I have been completely mislead and find it heartbreaking that in one of the greatest countries in the world, we ca n't trust those who claim to have our best interests in mind. The helpless experience and monstrous stress has had a terrible effect on my quality of life, but I hope that it helps others avoid a similar situation.