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

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report that misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$280.00} XXXX  XXXX XXXX XXXX : {$420.00} XXXX  XXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB CARD XXXX XXXX XXXX NA Both of these accounts are in violation of 15 USC 1681C2
Product: Mortgage

I have sent all documents for the initial hardship from & during XXXX and why we needed a hardship. our current situation, we have been trying to make a payment since XXXX of XXXX, Rushmore took the payment then returned it, they also told us we were approved for the modification last year but then denied payment when the payments were supposed to begin- we have been trying to make payments, trying to get our mortgage figured out, all the while both Rushmore and XXXX XXXX have denied any payments to be made, & Rushmore strung us along since XXXX even though they said the 18 months of Covid relief would be put on the back end & the balance would be resolved for relief purposes under the CARES ACT. It wasnt & is now included in the balance & appearing in my credit. All we want to do is pay our mortgage, Rushmore put us behind by not honoring our contract that we agreed, signed & notarized. Which I can send a copy of also. This account should show current due to the status being under a loan modification for XXXX relief & forbearance which was never reported on behalf of my self & XXXX XXXX  credit report.
Product: Mortgage

The following individuals at Dovenmuehle Mortgage Inc can be charged today by the relevant authorities, with Accessory to Fraud for their role as accomplices in shady practices : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( see attached XX/XX/XXXX letter full of lies ). 

I don't know if they are full-blown crooks or XXXX XXXX XXXX I do know this rat 's nest needs to be shut down and cleaned out. Please close this criminal enterprise today. 

XXXX XXXX  Form 1098 should show a whole number for our year-end principal reduction. Our interest payments should have been auto-withdrawn simply and completely at the beginning of each month. XXXX and DMI failed spectacularly and proceeded to attempt a shameless cover-up of their crime, with bizarre accounting maneuvers, slicing and dicing our whole-number payments into multiple bits and pieces. Hoping no one would notice the year-end wild discrepancy, totally in their favor. Please, please shut them down. Companies don't go to jail, but people do. The named individuals belong in Court.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block inc. ) Doe to inadequate customer service and unfair practices, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused serious significant inconvenience and financial loss, and I seek appropriate redress for theseviolation
Product: Student loan

Mohela is the servicer of my federal student loans. I was set to begin loan repayment on XX/XX/XXXX. The payment did not post, so I checked the Mohela website. I did not receive any email notifications about my payment. On the website, I had a letter stating that my account was put into XXXX XXXX, ending XX/XX/23. I did not request this forbearance and was not contacted about it. Mohela 's website says that wait times are very long, and I see other reviews online that calls are taking about 2 hours to try to deal with this, and that Mohela is offering conflicting information. I work all day and do not have time to chase my federal student loan servicer for hours. They are failing to do the bare minimum.
Product: Mortgage

Today 's Date is XX/XX/XXXX We paid-off a Conventional mortgage loan on XX/XX/XXXX. There is a XXXX balance but the lien against our property has not been removed since XX/XX/XXXX. We can not sell or get a HELOC loan due to this ongoing problem with LoanCare. My husband and I have called LoanCare for the past 3 months trying to get them to remove the lien against our property. They acknowledge they need to correct a document ( for some reason they don't know details to explain to me ) and resubmit it to XXXX County Register of Deeds. This has yet to be resolved Since XX/XX/XXXX. We get the same exact excuse every time we call LoanCare. 
I have logged onto XXXX County Register of Deeds every day and there is no Cancelation, so the lien is still against our property as of XX/XX/XXXX. 
We will take legal action against LoanCare soon because we have given them more than enough time to resolve this problem. A lien against our property for a paid-off loan is very serious and requires immediate attention and legal action.
Product: Checking or savings account

On XX/XX/2018 when traveling abroad on vacation I started to make an ATM withdrawal of XXXX pesos from an ATM. After reviewing the fees query on the screen I cancelled the transaction and retrieved my card ( no atm receipt was given since I had cancelled the transaction ). 

The following transaction occurred on my XXXX statement : ATM Withdrawal XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2018 ( {$340.00} ) Since this withdrawal was cancelled by me before completion no cash or receipt was received. 

I promptly notified my bank and they looked into it but declined to reimbursement and closed my dispute. They did provide a document from the bank but it was in XXXX and provided no resolution. I will attache this document.
Product: Credit card

XXXX, XXXX, XXXX fraud charges on the credit card totalling {$380.00}. I inform XXXX I did not make these charges. I informed XXXX that I have NEVER had a {$380.00} bill with them since have the XXXX credit card. The most I have ever had charged on the account was {$51.00} which, I paid off before receiving a bill from them. I always paid the card off immediately for charges. This was my practice of paying the account off when I purchased the gasoline. This is my payment pattern through the years. 

Now someone got access to my credit card number and ran up the bill. I close the account because they still had access and were charging on the account. 

XXXX had been truly difficult to work with. I am XXXX old. I am being scammed. I asked XXXX for photos of me using the card. I have no new credit cards from XXXX. Nothing was sent to me in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this late payment status with BMW twice now and XXXX XXXX and equifax. This account has not been late, and is current right now. I just want the account to be updated to on time because according to every single account including my actually bmw account it is still current. I would like whatever month is showing late to be deleted that lowered my score last week. I have been current on this account since XXXX. 

Thank you
Product: Debt collection

Collector is impersonating a government agent as an investigator and harassing family members by calling at all times of the days each and every day.
Product: Credit card

I recieved an alert from my credit monitoring service of an inquiry from 2 banks I looked at my Trans Union credit report to find inquiries from XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. I did not make these 2 inquiries and did not authorize anyone to make these inquiries.
Product: Debt collection

XX/XX/2020 Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX Re : XXXX XXXX XXXX XXXX : XXXX    XXXX : XXXX Fair Debt Collection Procedures Act Debt Validation Dispute I. 

This is a complaint pursuant to the terms of the Fair Debt Collection Procedures Act ( FDCPA ), Title 15 of the United States Code ( U.S.C. ) section 1962g, et seq., and the implementing regulations set forth at Title 16 of the Code of Federal Regulations ( C.F.R. ), section 660, et seq., disputing the validity of debts allegedly owed by me and the procedural deficiencies in the furnishing to and recordation by a consumer reporting agency of information in my consumer file as identified with and pertaining to me.

II Equifax Consumer Reporting Services ( " Equifax " ), a consumer reporting agency as defined by the FDCPA, has within its  files, records, and databases a consumer report identified with and pertaining to me contacting items of adverse information supplied by unidentified suppliers of information regarding debts presumably owed by me. ( See : Exhibits 1 & 1A ).

III Although the information supplied Equifax provides the dates the accounts were opened and reported to Equifax, they fail to meet the notification criteria set forth by the FDCPA in that they preclude information as to : 1 ) The identity of the original creditor. ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ( 4 ) ) 2 ) The address and other contact information of the original creditor ( See : 15 U.S.C. 1692g ( a ) ( 1 ). 16 C.F. R. 660.4 ) 3 ) The name and business address of the information furnisher. ( See : 16 C.F. R. 660.4 ( 4 ) ) 4 ) The dates the debts became delinquent. ( See : 16 C.F. R. 660.4 ( 4 ) ) 5 ) The actual validity of and the reasonable attempts undertaken by Equifax and the information furnisher to establish the validity of each debt. ( See : 16 C.F. R. 660.4 ( 4 ) ) IV Pursuant to 15 U.S.C. 1692g ( b ) and 16 C.F. R. 660.4 ( a ), I dispute the validity of the alleged debts and seek the following relief : 1 ) A proper FDCPA notification of the alleged debts, including the following information : 2 ) A proper validation of the alleged debts as per the terms of the FDCPA 3 ) Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

4 ) SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 
5 ) DELETION of the disputed information from my Equifax consumer file. 

V Equifax Consumer Reporting Agency may be served a copy of this Complaint at the following address : Equifax Consumer Reporting Agency XXXX. XXXX XXXX XXXX, Ga XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was applying for a house they ran my credit and informed me that I had a collection in my credit report. I was surprised because I have never even received my XXXX credit card. My account was maxed out at {$200.00}. I was unaware of this transaction that it went on for years collecting interest over time. Now the balance is at {$480.00} no one ever called me to notify me about the bill or the account. Ounce I found out about this collection I contacted portfolio recovery and told them that this transaction that was made in 2020 was an unauthorized transaction. They told me that they couldnt do anything about it. That they just bought the account from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the continued presence of fraudulent items on my account despite previous attempts to address and rectify this issue. 

Despite assurances and promises of resolution, I regret to inform you that the fraudulent items persist on my account, causing not only financial strain but also significant distress and inconvenience. This failure to rectify the situation in a timely manner reflects poorly on your organization 's commitment to customer satisfaction and undermines the trust I have placed in your services. 

It is imperative that immediate action is taken to investigate and remove these fraudulent items from my account. I expect a comprehensive response outlining the steps that will be taken to address this matter promptly and effectively. Furthermore, I request assurance that measures will be implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2017, I learned that I was one of millions of customers that were victims of a security breach at Equifax. Information stolen included name, social security number, and date of birth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the complaint about XXXX XXXX  who disowned the account disputed. If this creditor claims that this account does not belong to them, they need to order the credit bureaus to DELETED THIS ACCOUNT FROM MY CREDIT REPORT or UPDATE IT TO PAID AS AGREED NEVER LATE ( PAANL ). Equifax, XXXX, and XXXX reported it for a long time with a piece of inaccurate information.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Checking or savings account

On XX/XX/XXXX I received Chase Debit Card in the mail. But I do not have a current Chase Bank account. This account was established fraudulently. I did not consent nor authorized this account to be established.
Product: Debt collection

Keep saying I owe a student loan I never received since I withdrew 30 days before student loans were ever dispersed I never received this student loan and they keep putting this debt on my credit report and calling me repeatedly for 6 years straight. I have written letters and called back and disputed this claim every single month since XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd letter sent by certified mail to XXXX, Equifax, XXXX  & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, EQUIFAX, XXXX  etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, i received an alert on my credit monitoring service that i had a hard inquiry on my credit report that i didn't authorize. i called the company to see what happened or who tried to apply for a loan in my name. the company name was XXXX XXXX in XXXXXXXX XXXX. i spoke with a lady name XXXX. She said that someone probably has my information and tried to apply for a loan online. i told her numerous times that i didn't apply for any loan online or in person. she told me to dispute it with the credit reporting agencies, which i did and XXXX deleted the inquiry, but Transunion didn't, and they told me to file a report with FTC and CFPB. i never applied for any loan online or in person with XXXX XXXX in XXXX, XXXX XXXX
Product: Debt collection

This account have been remove from my credit XXXX XXXX and XXXX its showing on my credit report XXXX with in accurate information showing charge off since XXXX then showing paid in good standing XXXX of XXXX this information is inccurate I dont receive any information from anyone bout this I ask to please remove Santander bank immediately from my XXXX  credit report they are putting false information on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 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

Applied for free credit check. Entered discrepancies and never heard back from them. XXXX fixed it. But have heard nothing from other company.