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

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, XXXX  as a provider of information to a credit report agency, is prohibited by law from sharing inaccurate info. 
Transunion the ONLY BUREAU that continues to BREAK The LAW. 
I'm requesting that you delete this inaccurate information from my report right away.
Product: Student loan

Mohela is not letting me sign in to see my accounts and it has been going on for the month At the same time, they put me in forbearance after I signed up for their SAVE PLAN and due to their mismanagement, are not counting the months they put in forbearance towards my PSLF. I did nothing wrong and I'm being punished for MOHELA mistakes.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Dispute and Request for Investigation Dear Credit Reporting Agencies, I am writing to formally dispute information on my credit report and request an investigation due to identity theft. I have reason to believe that my personal information has been compromised, leading to fraudulent activity and potentially inaccurate entries on my credit report. 
Evidence of Identity Theft : I recently obtained a consumer report from XXXX XXXX XXXX, a consumer reporting agency, which revealed suspicious activity related to my bank accounts and personal information. Crucially, XXXX XXXX XXXX has already investigated these matters and determined that the accounts and transactions in question were not legitimate. As a result of their investigation and findings of identity theft, they have purged these fraudulent entries from their system. This report shows : * Multiple accounts opened and closed in my name without my knowledge or consent. This includes accounts at various banks, including XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 
* Inaccurate personal information associated with some accounts. This includes incorrect addresses and phone numbers. 
* Suspicious transactions on my existing account. This includes ACH transactions on my XXXX XXXX account ending in XXXX that I did not authorize. 
Specific Concerns : * XXXX  XXXX # : XXXX, Account # : XXXX : Unauthorized ACH transactions on these dates : XX/XX/year>, XX/XX/year>. 
* Multiple closed accounts at XXXX XXXX  XXXX. and XXXX XXXX opened between XXXX and XX/XX/year>. I did not open these accounts. 
* Closed accounts at XXXX XXXX XXXX XXXX with inaccurate address information. 
Request for Investigation : I request that you conduct a thorough investigation into these discrepancies and take the following actions : * Verify the accuracy of all information on my credit report. 
* Remove any fraudulent accounts or inaccurate information, as XXXX XXXX XXXX has already determined them to be fraudulent. 
* Place a fraud alert on my credit file. 
* Provide me with a copy of my updated credit report after the investigation is complete. 
I have attached a copy of the XXXX XXXX XXXX report as supporting documentation. Please let me know if you require any further information. 
Sincerely, [ Your Signature ] [ Your Typed Name ] Enclosures : XXXX XXXX XXXX Report
Product: Debt collection

I had XXXX medical debts with Central Financial Control that were settled in full. My fianc and I are attempting to qualify for a mortgage and the only deterrent are these mark on our credit bureau. These debt have been paid and the amounts owed were minimal. I have asked that the trade line be deleted to improve my credit score to qualify. As a consumer trying to purchase a home it 's hard to believe that XXXX small medical debts would hold us back.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I ask that the accounts and inquiries listed below be removed from my credit file : Accounts to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Amount : {$00.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Amount : {$16000.00} Inquiries to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of InquirXXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I faxed, emailed, and uploaded all of my information regarding the Identity theft as instructed by the CFPB and none of the bureaus have responded AT ALL. Transunion sent me a letter refusing to do the investigation alleging that I wasn't me! even though I followed the FCRA instructions to the letter. I called Transunion and it turned into a sales pitch to buy there protection or their monitoring service. This should be illegal I read and learn how to follow the proper channels and the decided that unless I pay for their service Im just stuck by definition this is extortion. The big 3 bureaus have an immense power and they seem to have no police except YOU the CFPB. I need these bureaus to follow the rules and not just decide that they are not going to investigate because the form I filled out and the letter I wrote came from the internet. I choose the words that the FCRA said I should use, What is a consumer to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named LexisNexus is reporting a judgement I received more than 7 years ago and they will not remove the information from their data base.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

XX/XX/2021 i was under the impression that my mortgage payment was processed with XXXX XXXX. i was unaware until the following month XX/XX/2021 when i received a 30 day late payment notice 3 days after making the scheduled payment for that month. this prompted me to investigate what what could have happened so i checked my bank statement from the previous month and that was when i realized the payment had not been processed. i immediately make a second payment and called XXXX XXXX to understand how this could have happened and to have the reporting removed.i spoke to XXXX XXXX who started a dispute and requested 3 months of my bank statements to prove i had no intention or reason that a payment could not be made. at that time i had an open dispute with XXXX. on XX/XX/2021 i received a resolution that it had been corrected. i was unaware it was also reflecting on my XXXX  and equifax so i called back in to start another dispute on XX/XX/2021 and spoke to a woman ( did not get her information ) and she told me it would be corrected and removed by XX/XX/2021. since then i have called XXXX a number times and have been left on hold for more than 2 hours by one rep. and been brushed off by a number of others. now they are refusing to remove the incorrect reporting from XXXX and equifax. this has destroyed my credit to the point that my credit cards have all been cut to XXXX limits and i can not refinance my house because of the drop in my credit score. i have exceptional payment history on all of my open accounts. this missed payment was in error i believe to the website being under construction at the time of the missed payment. in either case when i was aware a payment had been missed i paid it immediately. i dont know how to prove a website error so i am requesting a goodwill adjustment. i ask for consideration especially in these time where so many have deferred or defaulted alltogether. i am a good paying customer and i intend to keep it that way.
Product: Debt collection

Enterprise Recovery Systems , Inc . 
XXXX XXXX XXXX, IL XXXX : ERS Account # XXXXDear ERS/XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail dated XXXX XXXX, XXXXand identified the debt as XXXX. I do not have any responsibility for the debt you 're trying to collect. 
If you have good reason to believe that I am responsible for XXXX of debt owed to you, mail me the documents that makeyou believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX
Product: Credit card or prepaid card

I am working on refinancing my mortgage and the bank representative was going over my credit report and saw that Citi had a {$210.00} balance in arrears. I tried multiple times to speak to someone at Citi yesterday, XX/XX/2020, and today, XX/XX/2020, and I kept getting transferred to a message that said they were closed and my call was terminated. The last time I called I asked to speak to a supervisor and again I was disconnected. I am trying to find out about this balance in arears as I have received no communication from Citi. This is unacceptable behavior by a company and they refuse to work with me to resolve this issue.
Product: Mortgage

XXXX A payment was made in the amount of {$300.00}. Spoke with XXXX XXXX. I requested that {$260.00} escrow shortage be paid off and the {$30.00} balance be added to the current escrow balance. My mortgage payment should now be {$740.00}. Mortgage payment currently shows {$810.00}. Shellpoint Mortgage has not applied the escrow shortage payment as I have requested and paid on XXXX. On the website, Shellpoint Mortgage has not corrected the monthly mortgage payment and continues to show monthly mortgage payment {$810.00}. Escrow balance currently shows {$1200.00}. Please verify this information with the recording of call to Shellpoint Mortgage. Shellpoint Mortgage has not supplied accurate information and made no mention of the request to apply the XXXX payment to pay off escrow shortage that can be verified in the recorded conversation with the Shellpoint representative, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX Bank of America charged me a fee of XXXX $ interest fee when I had paid my full amount before the closing date. when I contacted the bank they denied my request to remove the fee and force me to pay it by saying " we will ruin your credit score '' please take some actions regarding this Bank. My name is XXXX XXXX XX/XX/XXXX Bank of America account number XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND ALL XXXX CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. EXPERIAN, XXXX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE XXXX ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Product: Checking or savings account

Around XXXX on XX/XX/2020 I tried to open an account with BB & T at the XXXX. XXXX branch in VA. I was told that in order to go inside the lobby to open an account I would need to wear a mask. They did not have any masks to provide to me and the woman who told me this wasnt wearing a mask herself. She claimed that it was a requirement to wear the mask if I wanted to open an account there. I was discriminated against and unable to open an account because I did not have or wear a face mask.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has egregiously misused all of my personal data, with beyond poor security standards. Credit monitoring service is essentially a joke unless it is made permanent, a more appropriate response would be to facilitate changing all of the associated information where possible - though this is clearly not reasonable for most people. 

This refers to the recent breach, which was known of in XX/XX/XXXX, but just notified X/X/2017. This also is a major issue - I should have known sooner. I have placed an inital alert, though I am unsure if I should participate in their " service '' as there is an unclear class action waiver attached.
Product: Credit reporting or other personal consumer reports

There are multiple credit inquiries on my credit report that I did not request or give permission to any of the companies that pulled my report
Product: Vehicle loan or lease

I parked the vehicle in my driveway about XXXX on XX/XX/2023, I got up at XXXX and got ready to go to work, I left to head to work at XXXX to find that the car was no longer in the driveway. I was not provided a notice of repossession and the repossession happened while I was asleep. I then attempted to contact the lender to find out details about the company that repossessed it so that i could gather my belongings from said vehicle, I was then met with opposition, and refusal to provide me with any information regarding who had the vehicle, Westlake Financial Services was demanding payment in order to receive said information, at which point I took to finding the vehicle on my own. I tried calling another recovery agency to which they did not have the vehicle. I then contacted the XXXX XXXX Police Department at which point I was informed by them that the vehicle was recovered by XXXX XXXX XXXX. I contacted them to confirm that the vehicle was in their possession to which I was informed that it was. I Westlake financial services has also hung up on me multiple times today. They have also called me multiple times everyday including saturday and sunday at all hours of the day including times from XXXX XXXX  to XXXX XXXX  days a week multiple times a day.
Product: Credit card or prepaid card

I opened my secured discover card account XX/XX/2018 and was told after seven billing cycles, my account would be considered for unsecured. Its been almost 14 cycles and I hasnt been converted to an unsecured account. I have great payment history with Discover. And I love the cash back benefits but every time I contact customer service to speak about my account, Im given the same response of, it takes seven billing cycles .... I explained to the agents that if they look at my account theyll see Ive had it open longer than seven cycles but still Im never able to get a real explanation or reason why.
Product: Student loan

XX/XX/scrub>XXXX  date of enrollment I enrolled into XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX program to find out no credits transfer for higher education to any XXXX. The recruiting rep oversold the job placement program. However did not informed me that the XXXX lost their accreditation. I found out later in the year Employers had spoke negatively of the quality of education and job readiness. This company has been convicted of fraud. 

Please remove XXXX XXXX XXXX/ from my consumer report all bureaus immediately. Please reference link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character This is not mine. I am a victim of ID Theft and I have included a police report.Please investigate and remove from my credit report. 
XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. This is not mine. I am a victim of ID Theft and I have included a police report XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I filed bankruptcy in XX/XX/XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included Capital One Bank. I contacted Capital One Bank who stated they are not reporting anything negative and according to their records my balance is XXXX. A collection company stated they brought the account from Capital One and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with XXXX XXXX or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or Capital One Bank XX/XX/XXXX. Capital One shows only on XXXX with a XXXX   closed account balance. 
account was open over 5 years ago. The information of having a Capital One account XX/XX/XXXX is false information being reported.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXXXXXX XXXX I reserved a vehicle from XXXX XXXX XXXX for XX/XX/2022 - XX/XX/2022, picking the vehicle up at XXXX, XXXX On XX/XX/2022 at XXXXXXXX XXXX  I modified the reservation to pick up the vehicle at the XXXX XXXX XXXX XXXX I received a confirmation for the modification. On XX/XX/2022 at XXXXXXXX XXXX XXXX sent me a confirmation email claiming " We look forward to seeing you today at XXXX XXXX. We've confirmed your reservation number, XXXX, and we have your car waiting for XX/XX/2022 XXXXXXXX XXXX pickup. ". At the time this email was sent I was on a flight coming into the XXXX XXXX. When I arrived at the XXXX counter the agent claimed my rental had been canceled and the location was overbooked. After showing the agent my reservation and confirmation he decided to give me a one day rental and told me to call the main office. On XX/XX/2022 I called the main office and an agent said she had rectified the situation. I asked if I needed to bring the vehicle I had back and the agent said no, return the vehicle on XX/XX/2022. On XX/XX/2022 I returned the vehicle and was billed the correct amount of {$590.00}. On XX/XX/2022 I was charged an additional {$810.00}. I filed a dispute with Navy Federal Credit Union and my initial claim was denied. I tried several times to call the XXXX XXXX XXXX XXXX, however I was rerouted to the main call center. Every agent I spoke to said the charges looked incorrect, but the XXXX XXXX branch had to take care of the issue. At that point I did not know exactly what the XXXX XXXX was claiming was the problem. I appealed Navy Federal Credit Union 's findings hoping to get more information concerning their investigation. Today, I received their response and the stated, " As stated before, we've already provided the final folio/invoice from the merchant, which we obtained indirectly from the merchant 's website using your own documentation you provided us showing your rental information. You're free to access the merchant 's website to do the same and obtain the same information we did. ". Basically, they made a decision without even speaking to the vendor. I have all my documentation, sent from XXXX XXXX XXXX, showing I should have a {$590.00} charge. The additional {$810.00} is fraudulent. Please help. Thank you in advance.
Product: Debt collection

I previously filed a complaint about this law firm due to their lack of proof. No written contract production, no proof of ownership, alleged debt XXXX  XXXX. They agreed to drop things. They then proceeded to sue me in my local court for the same matter. I live in XXXX  XXXX XXXX is based in Virginia. I still have zero proof of ownership of said debt. According to the information that the XXXX XXXX  XXXX submitted they are the owners. So how can they be the owners and also suing for the company that they purchased the debt from. I further state that the alleged debt has been re aged which is a clear violation. When was the fist delinquency? When was the last payment? 
The previous case number is XXXX