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

This company has reported A A debt to my credit report for A debt that says XXXX. I have never had sevices with this company nor their affiliated company. I sent A written request asking for validation of this debt showing I owed the debt and was never responded to. Instead the company reported this inaccurate information to my credit reports refusing to validate the debt as I requested in writting. There has been no dunning letter at all! FDCPA section 809 ( a ) requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response to a consumer within five days of the initial communication. I was NEVER notified of such debt, I have NEVER had an account with this company nor their affiliated company XXXX. I attempted to see if this company was bonded in Texas to collect since it comws across as A scam. Federal laws protect me from these type of collectors and they have broken several laws by KNOWINGLY reporting false information. When I wrote the letter I advised the cpamy I WAS NOT ASKING FOR A BILL STATEMENT BUT A CONTRACTUAL AGREEMENT SHOWING I XXXXXXXX XXXX HAD THIS SERVICE IN MY NAME! The company REFUSED to provide such validation and instead slapped it on my report. I'm filing the complaint to have A paper trail because next step is an attorney for this fraudulent company reporting information that is inaccurate on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Subject : Request for Block and Deletion of Information Due to Data Breach ( Pursuant to 15 U.S.C. 1681c-2 ( a ) ) To Whom It May Concern, I am writing to formally request that XXXX block and delete all accounts and information associated with my name and Social Security number that have resulted from a data breach, as provided under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ).

I have been a victim of a data breach, and I believe my personal information has been compromised. To protect myself from potential identity theft and fraud, I am requesting that XXXX block and remove any accounts, inquiries, or information related to the breach from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Account Number : XXXX I understand that XXXX is required to block and delete the information within four business days of receiving this request, as outlined under 15 U.S.C. 1681c-2 ( a ). Please confirm in writing once the requested block and deletion have been completed. 

If you require any additional information to process this request, please contact me at XXXX ( XXXX ) XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that the requested actions have been taken. 


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

XXXXXXXX XXXX  Trans Union have a charged off XXXX account showing on my CBR 's that was to be removed from my CBR 's on XX/XX/XXXX because of age of the original debt. None of the three CB 's have removed the charged off account information - The charged off balance on the XXXX account was {$19000.00} and I have written documentation from XXXX that the charged-off account would be removed XX/XX/XXXX - This removal of the account should be done by the other two CB 's as well by law
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX : XXXX To Whom It May Concern, I am writing to formally address the unauthorized reporting of fraudulent accounts on my consumer report due to identity theft. Your failure to properly verify and correct this information is in violation of the legal requirements set forth by federal law. 
Violation of 15 USC 1681b ( c ) Furnishing Reports in Connection with Unauthorized Credit or Insurance Transactions According to this statute, a consumer reporting agency is prohibited from disclosing records of inquiries related to transactions not initiated by the consumer, unless explicitly exempted by law. 
Immediate Action Required : The following fraudulent inquiries, stemming from identity theft, were not initiated by me and must be removed without delay : Inquiry : Identity Theft and Federal Law Compliance Under 18 U.S.C. 1028A ( Aggravated Identity Theft ), using another person 's identifying information without lawful authority during a felony constitutes a severe offense, punishable by imprisonment. The existence of unauthorized accounts on my credit report constitutes clear evidence of identity misuse. 
Permissible Purposes of Consumer Reports Under 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies may only provide consumer reports with written consent from the consumer. This standard has not been met in my case. 
Ensuring Fairness and Accuracy As per 15 USC 1681 ( Fair Credit Reporting Act ), consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumer privacy. 
List of Fraudulent Accounts : XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Pursuant to 15 U.S. Code 1681c2 Block of Fraudulent Information I demand that, as stipulated by law, you block the reporting of the fraudulent information in question within XXXX business days of receiving this correspondence and the attached supporting documentation. 
Enclosed Supporting Documents : Copy of government-issued ID Proof of address ( utility bill ) Copy of Social Security Card Official FTC Identity Theft Report Updated Report Request I request an updated copy of my corrected consumer file, as entitled under 15 USC 1681c-1 ( 2 ), which provides consumers access to free reports when fraud alerts are involved.

CC : Bureau of Consumer Financial Protection ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX  ) Attorney Generals Office ( State of Pennsylvania and respective state of each bureau ) Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Enclosures : Copy of ID Utility bill Copy of Social Security Card FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

My credit report is showing an unauthorized, unverified inquiry. This inquiry has made my credit score decrease, according to the FCRA this unauthorized inquiry needs to be removed immediately off of my EXPERIAN consumer report. Listed below will be the date and account of the inquiry. EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These unauthorized inquiries needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. Despite submitting FTC Report # XXXX, these items remain unresolved. Upon reviewing my records, I noticed that several items I requested to be removed are still present on my credit report. I have discovered that under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items found to be inaccurate or erroneous. The disputed items are unfamiliar to me. I am attaching the necessary FTC Report for your reference. Please remove these items : XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX XXXX Balance : {$3400.00} XXXX. XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : {$4500.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. Please remove the disputed items, as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.
Product: Credit reporting or other personal consumer reports

Currently account is showing paid as agreed. No payment has been made on my behave I would proof of such payments. this would be incorrect reporting. Last Activity date across XXXX, XXXX and XXXX should be the same, another incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX congress gave you the right to report information on consumer but in that law it Also states that you must report correct information At XXXX  % accurate information. Something you are not doing you sit on your XXXX all day and push code back and forth to the credit bureaus with out verification of anything. The reason I know XXXX review your Response dated XX/XX/XXXX you certified that the closing date was reporting accurately which is a XXXXXXXX XXXX and XXXX removed it. This also brings up another violation of the FCRA you shall not XXXX to the credit agencies what the XXXX are you doing! 
XXXX next to the last statement of your letter also dont you be telling to contact The credit bureaus when I dispute because again you will be sitting on your XXXX pushing button again not verifying anything you are the source and I will be contacting you. By now you know who the XXXX sent this reframe from mailing XXXX CFPB have an awesome portal state your claim there please!!!!!! Look at the close date on XXXX  and you XXXX  about that mm mm mm you XXXX XXXX  you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a fraudulent credit card on my credit report from XXXX bank after sending paperwork over verifying bring a victim of identity theft and refusing to remove it.
Product: Debt collection

I am experiencing financial hardship. As a result, I am past due on my auto loan with Bridgecrest. 

I have spoken to multiple representatives to request assistance and advise of my situation, but have been told there is no assistance available. I have advised the company that I am going to attempt to pay $ XXXX/mo to keep the loan at the current delinquency level for the foreseeable future, until I am able to catch up. 

Despite this, Bridgecrest has continued to call me, email me, and text me, with total communication being 10+ times per week. I last spoke with a Bridgecrest representative on XX/XX/year>. Not only has Bridgecrest continued to contact me excessively, but they called me on XX/XX/year>, after I had already spoken with a representative the day prior. 

To be clear, I am not requesting a do not call or cease and desist. Rather, I believe that Bridgecrest is violating the FDCPA and PA state collection laws by excessively contacting me after I have communicated my financial situation with them.
Product: Student loan

MOHELA failure to process XXXX application MOHELA failure to process XXXX IDR application in timely manner. MOHELA failure to place on interest-free processing forbearance, as instructed by the US Department of Education , after XXXX ( and not processing the XXXX IDR Application within 60 days ). Incorrect account balance due to loan accruing interest in error after XXXX due to MOHELA 's failure to process IDR application within 60 days. US Education Secretary XXXX has indicated these IDR applications should be processed within 4 weeks. This IDR application should have been processed in XX/XX/year>2024. Loan should be placed into processing forbearance XXXX due to MOHELA failing to process IDR application within 60 days. Loan balance needs to be corrected as should have not been accruing interest since XXXX. Any and all responses aside " Processing forbearance has been placed on loan as of XXXX, processing of loan in Save IDR, account & interest balances has been corrected '' will be rejected. A MOHELA response of " This will be escalated '' will be rejected ( MOHELA likes to reply " We will escalate '' ... .but actually does nothing ). Many attempts have been made the past 8 months to resolve. MOHELA has continually lied and deceived myself and borrowers over & over again with their call deflections, made up timelines and phony escalations where they proceed to do nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Dear ChexSystems Dispute Resolution Team, I am writing to formally dispute the information on my ChexSystems report. This is a result of identity theft I do not own any of these accounts and I want these inquirys removed immediately. 

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 XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {$1600.00}. A hold was placed on the check until it was released from the issuing bank. After the issuing bank released the funds than Chase Bank comes up with another reason to hold my cash. Due to " suspicious activity '' they said they will not release my funds at all. Federal laws I thought protected consumers from things like this.
Product: Mortgage

I was offered, applied, and was accepted for the Covid-19 Forbearance program for my home mortgage with PHH Mortgage out of XXXX. XXXX, NJ. It was made clear to me that during the period of the forbearance process there would be no negative reporting to the credit bureau as long as there have been no delinquent payments. My mortgage payments have been paid on time with none delinquent. I have been on forbearance for less than the offered time. I've elected to catch up my payments via load modification, which was offered as one of the options.

I was instructed to make three payments at a specific amount and to do so by calling a specific number to make sure the payment went to the right account with the right amount. I executed all payments on time.

The loan modification was approved and I was informed that it was in the process of delivery. It did arrive, but I couldn't tend to it for about 5 days. The day before I began to review it, I received an email from XXXX informing me that I needed to review a change in my credit notification. It turned out to be 4 negative reports from PHH Mortgage Services stating delinquency of my mortgage. This is exactly what PHH Mortgage services cite they will not do. 

This pandemic has hit all of us hard and this kind of action from this mortgage company has caused me even more major aggravation, stress and frustration. This is fraudulent behavior. Proof of their agreement is on their website at https : XXXX and I have proof of the notifications of the report to the credit bureau as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was rejected for a credit card due TransUnion failure to provide accurate account information. 

On XX/XX/2019, XXXX XXXX on behalf of XXXX XXXX declined my request and stated as follows : Thank you for your interest in XXXX XXXX. XXXX XXXX XXXX XXXX has reviewed your application, and it was not approved at this time because : You have high outstanding credit card balances XXXX XXXX XXXX XXXX received your credit score from TransUnion Consumer Solutions. 

Your credit score as of XX/XX/2019 : XXXX This information is inaccurate and I have requested TransUnion to update my XXXX XXXX account to reflect the account balance and report my score accurately. TransUnion on XX/XX/2019 reported my correct XXXX XXXX balance to XXXX prompting my score to be XXXX. 


Thank You
Product: Mortgage

XXXX XXXX  obtained a mortgage. Closing disclosure had me for an excessive amount of property tax. I was told with it being a new build I would go to the tax office and get numbers updated and submit to them. Did this No change. They keep assessing XXXX taxes {$4000.00} above what they should be. For XXXX they sent me a XXXX XXXX refund check. I asked them to adjust my escrow and they still haven't done. I was even recently told after my 50th call since XX/XX/XXXX that they had to let it go through a full cycle. Meaning it would have to be a full tax year in the house. That's been done and now as of XXXX XXXX  they are continuing to put my property taxes in excess of {$6100.00}, even though the bill they paid was around {$2800.00} this year and XXXX for XXXX year. I have tried talking to everyone I could no success. This is causing stress and alot of time and money as next steps are legal action. I just need them to adjust my escrow to the right property tax amount. With them being a lender they are illegally taking my money which is helping them finance home loans so I'm basically a lender it's illegal and it has to stop. I feel this is apart of thjer strategy to get consumers to help them with loans, collectively {$6000.00} is impactful. I've called, sent over tax assessments reflecting right amount, requested property taxes be removed from my escrow. Every employee confir.s they can see that it's wrong but resolution is beyond them. I want my money back. Theyvare borrowing money from me monthly. I want interest on my money that I'm losing not having it in savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX, XXXX XXXXXXXX XXXX Account XXXX, XXXX XXXX XXXX Account XXXX, has violated my rights. 

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

Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, XXXX and Transunion and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. 

I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation
Product: Mortgage

payments not being properly applied. was approved for 2 modifications which were supposed to help me but ended up hurting me. i purchased a home for XXXX which i now owe XXXX there are {$94000.00} worth of payments that they do not apply correctly due to them putting every payment that was made to an unapplied total area that they always seen to reverse right out leaving me with a negative balance. i called for over 2 weeks to get it resolved and i kept getting transferred. i once was even told did n't you benefit from the whole situation. any and everything you can think of in reference to my loan is not being properly done! i have been charged 7years and 1 month of the XXXX worth of pmi payments when i have only resided in my home for 6years. my modifications that were done are not being followed nor done properly either.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 my 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 to be updated.

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.

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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports