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

I had two student loans from XXXX XXXX which were serviced by XXXX. In XX/XX/XXXX i filed chapter XXXX bankruptcy receiving a discharge in XX/XX/XXXX.  From that point forward, XXXX has made a breve of errors in reporting both student loans incorrectly. I have made over 15 disputes from contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided XXXX XXXX guidelines when disputing. I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on the Credit Reporting. XXXX, and each bureau, have violated Fair Credit Reporting Act, US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint. By XXXX continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly. Furthermore, I continued to pay my loans as best as I could and in XX/XX/XXXX I settled both loans with XXXX by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance. After 6 months of additiona disputes and conversations, XXXX indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring a private Right of action for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights. Over 2 years since I 've settled and paid for these loans, XXXX continues to damage my credit because they simply refuse too. Please get this corrected and allow me to sue XXXX for its willful behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.
Product: Debt collection

to make a long story short XXXX was ran under my name through affirm by my brother who had a XXXX break that i was unaware of till i moved out. fast forward a year and some change later as im going to get my mortage i found out XXXX is in collections from the time we lived together. i spoke with affirm essentially trying to get them to settle or transfer me to someone who could actually assist me as i am not going to pay XXXX worth of stuff i never purchased. i tried XXXX and the ftc but both redirect me to this website. if this doesnt go to you all then please forward it to who can help me. phone number if you need to contact me is XXXX like i said this was about a year and a half or so ago so if anything is needed from me please let me know.
Product: Credit reporting or other personal consumer reports

I was denied a grant assistance to save my house from foreclosure and recently found out it is due to incorrect information reported by the Mortgage Electronic Registration Systems, INC ( MERS ) This company is reporting that XXXX XXXX is the homeowner and this is NOT correct nor has this individual had any financial connections to my home. This individual was never on the mortgage contract, not on the Deed and has never been listed as an owner of this property. In addition, this individual is committing fraud and should be prosecuted for this illegal transaction. I have called the Title Company and have a clear copied where this person was not and still not on the deed. This is a violent individual and my personal information, financial situation and information is being sent to them due to this incorrect data being sent my MERS. If the individual says we are married that also is a lie as we been divorced over 13 years due to XXXX XXXX with no children and no assets together. 
Please correct this information reported by MERS and have no more of my personal information address nor sent to this person.
Product: Money transfer, virtual currency, or money service

I have two paypal accounts, the company merged my two accounts thereby using my personal banking information for a new business account that was in the process of being set up. They went into my personal bank account and made numerous withdrawals to the tune of approximately {$3600.00}, all withdrawn on XX/XX/XXXX, XXXX, XX/XX/XXXX, also causing over draft fees to be incur from my banking institution. 
They said these charges I had agreed and had a contract in place with XXXX for advertisement since XXXX, and the account that was used did not exist until XX/XX/XXXX or after and I had never signed any contract or had a need for advertising as the business being established was a small marketplace store of home made goods that generated under {$500.00} per month. 
I contacted Paypal, XXXX XXXX XXXX, and XXXX via email and to no avail have I heard anything back from the XXXX to this regard, however, Paypal, states they have heard back from XXXX regarding the charges and have falsely documented the return of my money and then turn around and reverse the money back to themselves. My banking Institution XXXX XXXX has closed my complaint stating that my money has been returned, when it has not been returned. On XX/XX/XXXX and XXXX I receive emails stating that the money is being returned to me, when I go to the paypal account it shows the money returned and then immediately reversed to paypal. I call Paypal once again, at this time I am told my account had been hacked and being signed in in three places ; Washington D.C., the country of XXXX, and Massachusetts, and I verified that Massachusetts was my location, the agent had me download the 'anydesk ' app onto my mobile phone and opened some sort of broadcasting that would record our entire conversation. I was told that they needed secure credit card number and I refused to give them my personal information so they instructed me to make a trip to the store XXXX XXXX to purchase an XXXX gift card and load the {$200.00} that they had me believe they loaded onto the Paypal business debit card that I have to purchase the XXXX gift card. Nevertheless, I was embarrassed and no money had been loaded onto the card, and the Agent for Paypal stayed on the call the entire time and asked me not to mention the company while in the store as he attempted to get me to pay cash or use one of my credit cards which I would not do. They said they would call me right back, and to date they have not called me back! 
I am trying to recover the monies stole from me, and any/all charges to me bank account for overdraft and overdraft protection fees. 
I am prepared to forward all emails received from Paypal, my banking institution and transaction records from my paypal account and will not delete the account until this matter is settled. 

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

I hope this message find you well. I am submitting this compliant for the 4th time to follow up for the remaining items on my report which are unauthorized and were resulted from identity theft. Once more I am asking for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any items listed on an identity theft report. Once again, please find the required documents to assist in the removing of the erroneous information which is being posted on my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX Balance Owed XXXX {$870.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX VA, XXXX XXXX XXXXXXXX XXXX XXXX OH, XXXX
Product: Debt collection

Grant & Weber inc Keeps trying to collect a debt from XXXX XXXX. I dont have any debt with this facility. Upon trying to reach out I determined the establishment is closed. The third party is attempting to collect a fraudulent debt.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to XX/XX/XXXX. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, Experian and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 10 years old and must be removed from my credit report. 

Repeated requests for assistance have fallen on deaf ear. I have provided my fully personal identifiers and account number to XXXX XXXX XXXX on several occasions. Despite several disputes to XXXX, Experian and XXXX, they continue to maintain the account, although they themselves have admitted to the CFPB that they can not locate it. Moreover, 9 separate messages were left for a " XXXX XXXX '' at XXXX XXXX XXXX. None have been returned.
Product: Credit card or prepaid card

Hello, this is in regard to the previous CFPB complaint XXXX. 
American express has responded to my claim that they confirmed with XXXX that the XXXX points have been successfully transferred to etihad airways account in XXXX which was NOT true. I have attached the account activity from account XXXX for the reference. I also have contacted XXXX that they never received any American Express points on this account. 

Here is the full story : I was trying to transfer XXXX points from my XXXX MR account XXXX to XXXX account in XXXX on XX/XX/XXXX and it was rejected as I realized later that I could not transfer to my wife XXXX XXXX 's account. So I made another transfer of XXXX points to my own XXXX  account in XXXX which was successful. I have contacted XXXX that the account XXXX has NEVER received any points from american express. I did not authorize the transfer that happened on my account on XX/XX/XXXX as the transfer made on XX/XX/XXXX to XXXX was NOT successful. Please see the attachment from the account activity. 

Please return the XXXX points to my MR account or have them transferred to XXXX. 

Thank you! 
XXXX XXXX
Product: Mortgage

Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, NH XXXX Wells Fargo Mortgage XXXX XXXX settlement. 
During the time frame of these discrepancies ( XXXX ) I was denied a mortgage modification which resulted in falling behind on payments. I was unfairly charged a monthly fee of around XXXX while I was behind to cover what they called " protecting their assets. '' When I questioned WFM, they said they did a " monthly curbside inspection '' to verify the property was inhabited. This act created a more stressful situation and an undue further financial burden on myself. The token amount of XXXX is not proper compensation for the amounts paid by myself and burdened my family at that time and I should be fairly compensated/refunded any and all fees paid. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, Nh XXXX Ph XXXX XXXXXXXX
Product: Credit reporting

I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of XXXX year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required XXXX period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a deposit on account to the XXXX bank XXXX XXXX XXXX XXXX XXXX for the amount of XXXX dollars, said company that provided the service is the XXXX XXXX and until today said money is not deposited to the account of the beneficiary. 
I have already reported my problem with the aforementioned company many times, but they only reimburse me the XXXX dollars they charged me for the transfer and they excuse themselves saying that the money has already been deposited to the beneficiary 's account, which has not happened, For this reason, I attach the account statements for the months of XXXX, XXXX and XXXX. too The beneficiary went to the XXXX bank in XXXX to see what was happening and they told her that this shipment does not exist, that such money has never arrived. 
It is worth mentioning that I continue to communicate with the company and now they hang up the calls, since they do not want to solve my problem, I demand a refund and also the documents where they support themselves to say that this money is already deposited.
Product: Debt collection

I had a previous bill with XXXX XXXX as a current customer there was some miscommunication on the bill but it was sorted out and corrected by XXXX, Credit Collection Services somehow got ahold of the bill and was not paid directly nor had any communication but they have put this collection account on my credit. The account is paid in full with XXXX and I have receipt and record of conversation directly with XXXX, Credit Collection Services in no way shape or form has had any dealings with me and it should be removed.
Product: Credit card or prepaid card

On XX/XX/2018 I paid the balance off on an American Express Credit card. The payment was received before the the due date and I closed the account. I have had a lot of trouble with American Express and decided to just cancel the account and pat it in full. I just received another statement for information interest. I called and customer service explained that it was interest on the account from the time it was mailed until I paid it. I explained that I paid it online and the amount at was paid was the total amount of the statement. This is ridiculous, I have several other credit cards and when they are paid in full on time, there is no interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The matter has been in a XXXX  XXXX Bankruptcy case XXXX XXXX for nearly a year and the creditors Proof of Claim does not show paying off the original purchase XXXX XXXX XXXX XXXX  mortgage that was allegedly refinanced on XX/XX/XXXX by XXXX XXXX XXXX 
I objected to the creditor 's proof of claim on XX/XX/XXXX because they have not produced anything that shows that the mortgage that they allegedly refinanced was actually paid off and processed through a bank. The creditor was requested to produce the pay-off information in the form of a processed payment such as a cancelled check or wire transfer that actually proves the payment was actually made and I am not getting embezzled and the amount that was paid that was processed through a bank such as a cancelled check or a wire transfer record that proves that they actually paid off the mortgage as they claim. Nothing checks out the mortgage the was supposed to be refinanced was recorded in Book XXXX XXXX XXXX and the mortgage is stamped " This Mortgage is Cancelled of Record '' with no indication of the amount paid or any reference to the mortgage I have been paying off recorded in Book XXXX XXXX XXXX  There is no endorsement or mention of who was paid and there is {$0.00} consideration recorded on every transaction even before the sellers bought the house. The objection also requested that the creditor produce banking records that prove that the property taxes are actually being paid. I have been paying the mortgage and the property taxes together and the records look like things are being paid but the problem is several people on my street found out that the property taxes were never paid as claimed and they found that out after they were foreclosed on. The creditor has not produced anything to prove that they actually refinanced anything. 
PLEASE TAKE A LOOK AT THE ATTACHMENTS ... SEE FOR YOURSELF
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian dispute is reporting me as deceased. XXXX XXXX my co applicant is responsible and I believe used my social to open it to begin with. Then reported me as deceased I have Spoken w them on the phone I am not dead!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my credit report that i dont recognize and did not authorize.

1. Bank of America XX/XX/XXXX 2. XXXX inquiry date XX/XX/XXXX
Product: Mortgage

DiTech intends to sell XXXX XXXX 's home at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX is presently in review for loan modification. If DiTech were to move forward with the foreclosure sale they would be violating Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Telephone payment made via XXXX Telephone Payment System. I assumed the payment had been posted as I received a confirmation number from the automated Telephone system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error or an occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...