23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I reached out to Experian, via dispute center, notifying them of a fraudulent account, that posted to my credit report. After their investigation the account in the of {$1900.00} was not removed. I then reached out to XXXX, of an error posted to my account and after review, the rep came back to phone and stated that she apologized for the incident and that it would be removed on their end. I waited for weeks and received nothing from XXXX, in writing stating that the account had been removed. I then filed another complaint with Experian asking for the documents used in their investigation. Experian, had the consumer mail me documents used. The documents used, do not have my signature on them. The signature on documents are those of a male, living in XXXX TX. I submitted once again, a dispute with Experian, this time attaching the documents, that clearly were not signed by myself, but by someone with a different name, living in XXXX. Experian returned the investigation after 30 days with no changed results. I have been trying to get this issue handled for years now. The creditor deletes the item and places it back onto my report every year, although they clearly have documents showing someone else 's signature from XXXX TX. I have now been blocked from disputing the account.
Product: Credit card or prepaid card

social security XXXX benefits deposit to my direct express mastercard once a month. XXXX 's deposit was on my card but it was locked because they suspected possible fraud suspicious acts. I didn't have a clue till i went to atm to get money to pay bills and card declined so came home looked up my account my check was deposited but my account froze. I called customer service and put on hold indefinitely meaning never got to talk to anyone for the last 4 days. I have called the bank which said call customer service i have called social security which said call customer service ive called lost or stolen card number which said call customer service. NOBODY WILL TALK TO ME!! I need my card unlocked to pay bills. They should let me deside if my card is being frauded then i will report it to them. They have no reason to assume it is and lock me out just because something looked suspicious in there eyes.They are invading my privacy by knowing when and where my card is being used that's none of their business till there is reason to. I need my goverment check to pay bills now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. 

Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number:XXXX  Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On my background check report a charge from XXXX county appears as offense : XXXX XXXX. Type : XXXX   on XX/XX/2020. This is inaccurate. I have never been arrested for XXXX XXXX Police records data base should show this.
Product: Credit reporting or other personal consumer reports

Experian was notified by XXXX, XXXX on XX/XX/2024, that a fraudulent application was submitted by someone attempting to obtain a credit card using my social security number. Experian will not remove this from my credit report, it still shows as a hard inquiry and I'm having difficulty obtaining a mortgage because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My chexsystems report shows three inquiries from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent collection from XXXX XXXX on my Credit report, I have disputed this same collection on my report multiple times. The amounts owed on the collection have changed multiple times, Experian rightfully deleted this collection from my report on XXXX but allowed it to be placed on my report again on XXXX. On XX/XX/22 I disputed this collection which in return came back as validated, I sent another dispute on XX/XX/22 which came back as validated again. In my disputes I've requested that Experian provide me with documentation that was provided to them by XXXX XXXX to validate this fraudulent debt. Experian has failed to comply and remove fraudulent account from my report while investigating. I informed Experian that XXXX XXXX has failed to mail any debt collection correspondence or notification of debt, The have also willfully report false/ inaccurate information to the credit bureaus in violation of the FCRA XXXX XXXX XXXX has also failed to respond to my request for them to provide me with the contractual purchase agreement of this debt. Providing the contractual agreement of the alleged debt will serve as a vital investigative tool to verify who the actual debt belongs to. Experian 's failure to properly validate this debt in violation of the FCRA has caused my score to drop almost XXXX points, in return this has caused severe hardship for my family.
Product: Mortgage

Dear CFPB, Bank of America and myself have had a long history of mortgage, XXXX. I refinances a home loan in to a home equity loan in XXXX. B Of A decided to change the terms and agreements on the loan in XXXX on the account for taxes, school taxes, water and sewer. XXXX, I had another banking company refinance the loan, at the time, I had only owed $ XXXX but B Of A added over {$10000.00} in escrow on the account. I just recently found out that B Of A did not pay for some of the XXXX taxes, water and sewer bills, so I am now left to pay these expenses. I contacted the taxing agency in my area to verify and in fact B Of A never paid for XXXX, sewer and water bills of {$430.00}, and the person reported they where always late and paid a partial payment. I was never late on the loan and paid what was agreed monthly, they added the escrow on to the back end of the loan and charged me late fees plus interest charges. I received a call from a " XXXX XXXX '' XXXX ext. XXXX, he made one attempt to call me. I have called him now 3-4 times leaving messages but no call back from him at B Of A. He sent a letter out saying, " If I do not call him by XX/XX/XXXX for a full review of my claims ''. This is some how not right and should be reviewed by CFPB. Thank you for your time and support pertaining to this matter. XXXX XXXX
Product: Credit card

I consistently make timely payments on this account and have never allowed any to become overdue. I'm puzzled by the reports of late payment marks on my accounts. As per 15 USC 1666b, this billing error needs to be corrected.
Product: Credit reporting or other personal consumer reports

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 Re : Letter to remove XXXX XXXX XXXX to whom it XXXX concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

ON XX/XX/year> CASHAPP ALLOWED {$75.00} TO BE TAKEN FROM MY ACCOUNT FRAUDULENTLY AND SENT TO XXXX XXXX SOMEONE I DONT KNOW ANYTHING ABOUT WHEN I CONTACTED CASHAPP TO TELL THEM I DIDNT AUTHORIZE THAT TRANSACTION THEY TOLD ME THEY WILL LOOK INTO IT AND QUICKLY THERE AFTER DECLINED MY REFUND OF MY {$75.00} STATING THAT I HAD SENT THIS PERSON XXXX XXXX {$15.00} BEFORE WHEN I DONT KNOW THIS PERSON AND I NEVER AUTHORIZED ANY TRANSACTION TO HIM THESE TRANSACTIONS WITH XXXX XXXX ARE FRAUDULENT ACTS THAT CASHAPP ALLOWED TO HAPPEN TO ME AND THIS IS UNFAIR AND THIS IS HAPPENING TO THOUSANDS OF PEOPLE AROUND THE WORLD
Product: Credit reporting or other personal consumer reports

EQUIFAX ILLEGALLY AND IMPROPERLY USED MY REPORTS TO REPORT A BALANCE THAT IS NOT DUE FOR 21 DAYS ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXXXXXX XXXX XXXX  I signed up for credit protection when I got my card. The above dates, I was charged a premium for this service. They cancelled this service without my consent. I had filed a claim due to unemployment but it was denied. They stated that I didn't have credit protection on my account. See attached statement where I was charged a premium for the service. Then they closed my account and reported negative information to the major credit reporting agencies. This account should have been paid off through the credit protection benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a full-time student.
Product: Credit card

The dispute is with charges on my Barclays credit card to pay a XXXX for repairs from funds provided by XXXX XXXX for repairs to my condo. 
Upon finding out the merchant/contractor was not legally licensed in the state of Nevada we XXXX out to both, him and credit card company to recover the funds. 

Initially, the credit card company provided us with a refund on those charges but later retracted it stating that the merchant provided a valid response to validate transaction. 

The XXXX did no repairs as we dismissed him when we could not verify with the Nevada XXXX XXXX XXXX a current license under his or his business name. Without a valid license, any contracts made with unlicensed contractors are null and void by law according to XXXX. 

Paid XXXX a total of {$2500.00} XX/XX/year> XXXX credited provisional credit XX/XX/year> Charges reapplied to my account XX/XX/year> I reopened dispute via fax and XXXX mail attaching report from Nevada XXXX XXXX XXXX XX/XX/year> Barclays responded with merchant has not violated the terms of contract. XXXX letter XX/XX/year> Barclays states via letter they remain unable to pursue on my behalf. XX/XX/year> Please contact me should you need any other information. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

Please see letter below regarding my original dispute with my XXXX XXXX reservation purchased with my Barclay 's XXXX on XX/XX/2021. The amount in dispute is {$2600.00}. The reservation had to be cancelled due to XXXX XXXX breach of contract. 
On XX/XX/2021 I presented an ample amount of correspondence to Barclays XXXX dispute specialist proving XXXX and its host acted in bad faith. Additionally, I have telephoned Barclay numerous occasions and not been given the opportunity to speak to an actual billing dispute representative. Ultimately, on XX/XX/2021, Barclay mailed me correspondence stating XXXX did not violate the terms and conditions of sale. Their conclusion prompted an immediate appeal on my behalf. 

To whom it may concern, I have faxed you an ample amount of correspondence regarding my dispute with XXXX and my host XXXX. You can clearly see, I conducted myself in the utmost professional manner. This reservation appeared futile from the beginning. I am the consumer and I had to be involved daily regarding my reservation problems caused by the host and XXXX. The host and XXXX conducted themselves as unprofessional and doing business in bad faith. One can not expect a family, with a XXXX individual, to travel out of state, especially during these turbulent times, without CONFIRMED RESERVATIONS. I had repeatedly questioned the host regarding the method of confirmed reservations with the respective resort only to respond they would have my name when I arrive. REALLY!!!! The host presented as a marginal communicator at best. He should have confirmed my reservation with the resort sooner and eased the XXXX of not knowing whether I was going to be stranded in Florida without a place to stay in the mist of a pandemic It was only 48 hours prior to check in when the resort ultimately learned of my reservation and still the dates of the reservation were INCORRECT. This business transaction was nothing less than fraud and robbery! 
Please advocate on my behalf as I am a card holder in very good standing! I would appreciate a dispute agent to contact me regarding this matter. 

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

On XX/XX/19 I got rejected for a loan with XXXX by XXXX XXXX XXXX XXXX. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to having these items deleted from my report. I am a victim of identity theft I did not make these charges mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission. Please delete these items from my credit report as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I am formally submitting this complaint myself and there is no third party involved. Despite of the multiple previous written requests, the fraudulent items previously i'd disputed still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with air Credit Reporting Act, Section 605B within the time set forth by law and continued reporting of unverified information which now. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to removed the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Here are the lists of the erroneous items reporting on my Credit Report : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an open account on my credit report which I challenged with XXXX  XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.
Product: Debt collection

I received a letter from FCBS, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Ref # XXXX, requesting that I dispute an assumed debt of {$2300.00}. 

I responded to them within the 30 days limit timeframe with a debt validation request letter. To this date they have not responded, but the assumed debt continue to shows up on my credit report as a derogatory item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 accounts and inquiries I did not authorize please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 government/federal agencies over 30 student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over 30 new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over 40 points as result. This isnt fair or just.
Product: Debt collection

Fronline Asset Strategies LLC has violated my federally protected rights under 15 USC 1692 and 15 USC 1681 as 18 USC 1341.

In violation of : 15 usc 1692 ( c ) ( a ) : a debt collector may not communicate with a consumer in connection with any debt.

In violation of 15 usc 1692 ( B ) ( 5 ) : not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

In violation of 15 usc 1692 ( D ) ( 2 ) : the use of obscene or profane language the natural consequences of which is to abuse the hearer or reader In violation of 15 usc 1681b : Permissible Purpose In violation of 18 usc 1341 : Mail Fraud and Swindlers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit report should only reflect criminal records according to Title 15 USC 16 81 b2 A. 
There several addresses that are reported that are not correct. 

There are discrepancies because most of the items on the report were not authorized.
Product: Credit reporting or other personal consumer reports

This company is furnishing and reporting negative, inaccurate and fraudulent information to my rental history reports. This company is reporting negative information on my report in reference to properties that I have never lived in nor been associated with. They are reporting negative information with incorrect names, dates of birth and inaccurate social security numbers on my rental history reports. These errors have caused me to be wrongly denied for rental applications. This company should remove all negative accounts from my rental reports immediately.
Product: Mortgage

Received loan modification on home loan in XXXX. Applied for heloc loan in XXXX. Title search by XXXX XXXX XXXX XXXX. XXXX. XXXX . Showed no second lien in XXXX, but in XXXX showed second lien from XXXX. XXXX XXXX XXXX said sorry we missed it in XXXX. Is my loan modification legal? It was a federal loan program. Second lien is from XXXX which sold loan to Ocwen which sold loan to XXXX which sold loan to PHH mortgage. Thought XXXX loan was part of my bankruptcy settlement. Obviously it wasn't. Tried to negotiate settlement with Ocwen in XXXX after paying many thousands of dollars, as they suggested and I submitted a 50 % payoff. They called that night and refused to negotiate and said they were going to add interest and penalties of almost half the loan amount. Now PHH mortgage says I owe much more than I borrowed. Would have let House go in XXXX if they would have said anything about second lien. Now I spent more money on improvements. Not sure what to do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the Compass Accounts XXXX & XXXX compass gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working compass number where no one responds to call or voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.