23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I contacted customer service and was forwarded to a supervisor XXXX ID XXXX And explained Ive been adversely affected for long-term because of covid 19 financially and in addition Im XXXX XXXX XXXX and I am requested a lower interest rate closing in my account and a monthly payment plan that is possible with my dire financial situation. She directly indicated they have nothing they can do to help me in this dire situation
Product: Debt collection

ERC is violating FCRA by willfully and negligently reporting inaccurate information to the credit bureaus despite communications to me promising itd be removed. After sending Enhanced Recovery Company ( ERC ) a request for debt validation, I received a letter back from ERC dated XXXX/XXXX/XXXX stating that they were no longer reporting this debt and that they had sent notice to all XXXX credit bureaus notifying them it should be removed. 30 days later, ERC validated this debt on XXXX/XXXX/XXXX to XXXX and XXXX so my credit report says my most recent late payment was 5 months ago. This appears to be a time-barred cell phone debt from XX/XX/XXXX, BUT the main problem is that ERC sent me a letter saying they were no longer reporting it to the bureaus, but continue to report it. This is negatively impacting my score and is affecting my ability to get HOUSING and an auto loan. I 've made MULTIPLE attempts to dispute.
Product: Debt collection

I have no ideal what this debt is I've tried contacting the company multiple times On my credit reports it's listed as XXXX closed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below account and inquiries from my XXXX EQUIFAX, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

ACCOUNT : PERSONIFY Opened XX/XX/2019 INQUIRIES : XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account ( s ) and inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the  law will change XXXX XXXX this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
Product: Mortgage

A wire was sent to PHH mortgage company on XXXX to pay the loan balance off in full. The wire amount was for XXXX. I've been calling PHH and emailing them since XXXX trying to find out why the funds have not been applied to the loan balance, and why the loan has not been paid off in full. 

I'm getting no where with PHH, and their representatives can't even tell me if they received the XXXX. As of XXXX PHH is stating that my mortgage is now 5 days past due. I can't get them to fix this problem, find the wire that was sent to them, and apply it to the loan to be paid off. Please help with this matter as this is now adversely affecting my credit. 

Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

At the end of XXXX ( unable to provide exact date, as Navy Federal changed my account numbers as part of the Fraud Alert and Account Recovery process and I can no longer access previous statements ) I received a notification via the Navy Federal Mobile App that money had been taken out of my account. 

When I logged into the app, I saw that {$5000.00} had been withdrawn from my checking account, which came as a surprise as I had never had that much money in my account ever. Shortly after seeing that, I noticed that a new loan had been taken out in my name, and I immediately contacted Navy Federal to begin the Fraud Alert and Account Recovery process. 

I was issued new account numbers for checking and savings account, debit card, credit card, loan numbers. I submitted the first fraud claim that day over the phone with Navy Federal, and the person on the phone said it certainly appeared to be fraudulent activity. 

Fast forward a few weeks, I got a letter in the mail saying that my fraudulent loan claim had been denied as there was " no billing error detected. '' After this, I went to my ( at the time ) local Navy Federal branch in XXXXXXXX XXXX XXXX to talk to a representative. 

After reviewing the loan application, the branch representative asked us to step outside for a moment and called into Navy Federal to what I assume was the underwriters to " give them an earful '' for approving what was an obviously fraudulent application. 

The branch representative said that the work place didn't match mine, the application listed assets that were not mine, and told us that the person in XXXX that the loan was " instantly transferred to '' went on a " good little spending spree. '' As a result of this, I filled out and successfully disputed the loan on all three credit bureaus, as well as submitted a report on identitytheft.gov, and put the report numbers on the next appeal, to no avail. 

After this, I went back into the bank to speak to another representative, who told me she " didn't understand why this kept getting denied. '' I went and filled out the paperwork once again with the branch representative and included all the credit bureau information as well as the identitytheft.gov report number, but was denied once more. 

I have also since frozen all my credit on all three bureaus. I am currently stuck in a loop of appealing and getting denied with no information provided as to why, only having what the branch representatives have told me is " clearly fraudulent '' to go off of. 

I am at my wits end, this process has been going on for over three months, and I am not sure what the next steps I need to take are to get this resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account that has recently appeared on my credit report. The account in question is listed as XXXX ( Original Creditor : XXXX XXXX XXXX ) and has an account number of XXXX, which I have no recollection of.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I submitted my initial complaint to CFPB ( XXXX ) due to Account Resolution Services violating the Fair Credit Reporting Act and not providing me with validation of a medical debt that of which I have no knowledge. 

ARS responded XX/XX/2022 stating they sent debt verification in the past, which is not the case ; and then acknowledged that they should have sent something more substantial. ARS indicated that they would be providing the verification of debt as required under FCRA. It has been well over 30 days and ARS has not complied and no verification of debt has been provided.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Current Address is : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
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 XXXXXX/XX/XXXX
Product: Mortgage

To Whom : I have an existing VA loan with Rocket Mortgage. Rocket Mortgage pulled a hard inquiry on my credit report without my consent, and is in process of closing a refinance mortgage without my consent, they have pulled a final payoff on my loan without my consent. I immediately placed a freeze on my credit report on all 3 bureaus. I will be contacting rocket mortgage fraud department in the morning to find out why. I am asking CFPB investigate Rocket Mortgage for illegal activity on my account. Thank you.
Product: Mortgage

I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXXXXXX XXXX XXXX XXXX Employer - EMPLOYED Employer - XXXX XXXXXXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXncorrect Name - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns dealing with mis handling my zelle when there was money missing. Ive used Zelle many times and my bank nor Zelle tried to investigate missing funds.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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
Product: Payday loan

I have sent a copy of my old bank statement showing that i have paid this debit. And a picture ID to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX that was incharge of this debit. And to equifax where this item is still on my credit report. The date when it was issued is incorrect. This debit was issued to me on XXXX/XXXX/2016 realizing i do n't want it. It was sent back through on XXXX/XXXX/2016. After sending proof about this account what more can i do the have it corrected. Even the date i suppose to have received this loan the date is incorrect it does not corrosponse with the date applied.
Product: Debt collection

Contacted at my place of employment XX/XX/XXXX, by a Mrs XXXX at ARA, XXXX XXXX XXXX XXXX. They advised me they were calling to collect on a debt from XX/XX/XXXX, which is 25 years old.  They refused to give me any info, other than the name of the original creditor, and the supposed amount owed. 

I told them not to contact me at work anymore, and that the statute of limitations expired for the State of SC 18 years ago. They were extremely ride after I stated this, threatened that they will garnish my wages, and have me arrested. I also have a phone recording of the conversation. 

I am sending them a certified, return receipt little advising then to not contact me any further and that the statute of limitations had long expired. I was advised by my attorney to do so. 

It's also very disturbing that this company has my personal info, including my SSN. They ran a soft credit check on XX/XX/XXXX to get my work information. I did not give them permission to do so, obviously.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$3000.00} DEPTEDXXXX XXXX {$6000.00} XXXX XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$2200.00} XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report for XXXX, I have XXXX inquiries that I did not do. XXXX from XXXX and XXXX from XXXX. Both are from Citibank. I wrote them letters twice, they were both sent back to me saying return to sender. I have called them on several occasions and they said they have no knowledge of these inquiries. However they will not remove them from my credit.
Product: Debt collection

In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was XXXX after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to XXXX XXXX. The first XXXX  as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these XXXX accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. Equifax never sent me a letter of reinsertion to explain why. I disputed again and Equifax deleted it but then allows it to appear again every month. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Checking or savings account

I had a roommate move in and send me first month rent via chime app and note I do not have a chime account. terms in chime terms says no account no prob. you will get a notification to direct funds to a external account if you did not have a chime account. and was waiting for the notification never got it.. finally after some time on the phone we find that there is a account linked to my phone number so how with chime and the money is in this account in someone else name I have no idea about my phone is a government issue phone number and should not be linked to this any account except XXXX XXXX XXXXXXXX XXXX.. chime refuse to talk to me because I don't own an account and elevated it to fraudulent activity I assume since I don't own account I am the one that would be viewed as fraudulent I in no way have any interest in this a d I just want my money i havea impeccable criminal record and only minor traffic situations this is something they should not even question sence they can clearly see in tgeir system any help wolith this would be appreciated ty
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXXXXXX XXXX XXXX Balance : {$69000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  debt was dismissed without prejudice in Superior Court of California , County of XXXX XXXX on XX/XX/2019, case # XXXX and should therefore be erased from my credit report. I have complained to both XXXX and TransUnion, have filed investigations with TransUnion, file number XXXX, sent copies of court documents showing the debt was dismissed, yet the debt is still being reported as a currently owed bad debt on my credit report.
Product: Credit reporting or other personal consumer reports

I received information from you attempting to collect the above-listed alleged debt. Name : XXXX XXXX : Account Number : XXXX Please be advised that I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists. If you fail to comply with this dispute, I may turn the matter over to an attorney.