23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX Bank Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX Bank Address ID No. : XXXX - Experian Identification No. : XXXX - Experian XXXX ID No. : XXXX This judgment is showing up on both my Experian and XXXX Credit Report. Had I not have just started a Home Loan, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both Experian and XXXX, as well as submitted a compliant to the XXXX, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX XXXX XXXX
Product: Student loan

During the switch from XXXX XXXX to navient there where several times where my payment would be due at the end of the month and the following month it would be at the beginning. And according to the help over the phone. The payment date never change. But would change the date back to the or original due date but would not waive the late fee because as per them that was my fault
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX never late US DEPT ED XXXX not mine
Product: Debt collection

I am responding to CFPB Complaint # XXXX. Another Administrative Wage Garnishment Letter was sent by ECMC to my employer, even though ECMC told my attorney via phone that they XXXX   and a cancellation letter was sent out to my employer. My employer has not received a cancellation letter. My employer told me that ECMC is threatening to sue them for not garnishing 15 % of my gross pay. ECMC states in their response to complaint # XXXX that they sent their attached XXXX XX/XX/2019 letter and a Financial Disclosure Statement form to fill out and return within 15 days of the Letter to my attorney, but there is no form in this letter. My attorney has not communicated with me that he has even received this letter. 

The letter they attached for the complaint is addressed to the wrong address for my attorney. My attorney faxed and emailed with ECMC. Why can't ECMC type the right address on letters? Why can't ECMC fax or email with my attorney like he does with them? This is evidence of ECMC NOT COMMUNICATING WITH MY ATTORNEY. 

ECMC is dishonest, incorrigible, and impossible to work with. They will not work with my attorneys and this has been going on for a decade.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2024
Product: Checking or savings account

I made several attempts to close my checking account with BMO Harris bank through their main customer service number since I do not live near a local branch. I also requested all of my account statements since the statements do not load online ( which BMO Harris main customer service line admitted is a " known issue '' ). I finally was able to get my request to close my account ( and have a cashier 's check mailed to me at no cost ) as well as receive my account statements sent to me ( for free ) on XX/XX/2023. As of XX/XX/2023, I had not received anything, and my account still showed open online. I called the main customer service number, and they told me that my request was cancelled on XX/XX/2023. I asked why it was cancelled, and they would not tell me. I then called the branch in XXXX ( closest to my home of record ). The branch representative told me that they can not close my account without me coming in person ( which is impractical due to distance and a current military commitment ), and they would charge me for account statements despite them not being available through their website due to a " known issue '' on their part. The branch representative told me that to close my account remotely, I had to call the main customer service number. I asked her to assist me with this due to their refusal to close my account on prior occasions, and the branch representative told me that she was too busy to assist me due to " appointments. '' I told her that I needed to speak with a supervisor before filing a complaint with the CFPB, and after 25 minutes on hold, the call was disconnected. I did not receive a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an investigation request to Equifax, XXXX, and XXXX XXXX on XX/XX/XXXX. More than 30 days have passed and I have not received my investigation results. I am attaching a copy of the letter I sent them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account number # XXXX 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: Mortgage

Select Portfolio Services ( SPS ) is my mortgagr lender. In XXXX XXXX I applied for a loan modification, and they granted me a trial modification, from XX/XX/XXXX-XX/XX/XXXX. Despite making the required payments, they dropped me, and on XXXX XXXX declared me in default. Since then they have harassed me with field service inspectors coming to my home ( 3 times last week ). 

In a phone call today they stated that they have no contractual obligation to grant me a permanent modification even if I make the payments. They said in a letetr I was in default unless I paid 3 months of payments of about {$3700.00}. Their phone staff have stated that if I pay one installment of XXXX it would delay my default, but they will not confirm that in writing, and it turns out it is a false statement. 

They delayed posting a payment by 3-4 business days in order to cancel the trial modification. I believe their motive is that they want to get out of the deal and obtain possession of my home because it has strong positive equity. 

They posted my last payment XXXX/XXXX/XXXX, and did not apply it to the trial modification.
Product: Credit card

First, and foremost, I have a Fraud Alert on all of my credit cards, that has been in place at least 10 years or more, so I was surprised that on XXXX, I was notified of an unauthorized fraudulent charge. On that same day, I immediately called, my " Barclay 's Master Card '' ( through XXXX XXXX ), and let them that it was not me, on XXXX. 
Now, it's XX/XX/year>, and I am still dealing with the exact same fraudulent charge that is now collecting interest. 
I froze the credit card, and then a new credit card was created, and unfortunately, Master Card transferred that same FRAUDULENT CHARGE over to the newly created credit card.

Therefore, the same Dispute remains unresolved. In fact, each time that I call, I am unable to remove the false charge and resolve this on-going issue. I have contacted the Fraud SecuritXXXX, Billing Dispute, and Customer Service, all to no avail. It very much feels like I am dealing with a foreign Country because there are no English speaking Agents that are able to effectively communicate, nor does it appear that the Master Card Agents are understanding me. I am a target of a false/fraudulent charge that I want remove immediately. This is financial fraud and abuse and theft by this banking institution.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please do not add any fraud alerts or statements on the file. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX The following inquiries are not authorized by me, please remove : XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX  XXXX The Inquiry was reported on XXXX, XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XXXX, XXXX XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXXXXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX Page 2 of 3 14. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX  The Inquiry was reported on XX/XX/XXXX XXXX. XXXX XXXX XXXX The Inquiry was reported on XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX The above mentioned accounts were opened without my knowledge or consent. I believe this incident occurred due to the theft or misuse of my personal information by an unknown individual ( s ). To mitigate any further damage caused by this unfortunate situation, I kindly request that you take immediate action to block these unauthorized accounts from appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX  XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently opened a new credit card with Wells Fargo. I applied ( and was instantly approved ) for the card because they advertised a card that offered XXXX rewards points per dollars spent at gas stations, grocery stores and drug stores. As a father of XXXX children, I spend a lot in those merchant categories. I have a screen shot of the original offer as advertised. 

Shortly after receiving my card, I used it a few times and went to check out the rewards site to see what kinds of things I could use my points for in the future. I noticed that my card was only earning XXXX point per dollars spent, even at grocery stores and gas stations instead of the XXXX points per dollars it was supposed to be earning. I e-mailed to inquire and they said I had to call them instead for some reason. So I called, and they " opened a case '' for me. A few days later I got a call back and the agent informed me that they would not honor the promotion as advertised. I argued for a few moments, pointing out that this was extraordinarily unethical, and probably not legally allowed. The agent did not deny that, but said there was nothing she could do in her position. 

That 's basically brings us to today. I applied, and was approved for a credit card that advertised a specific promotion. Wells fargo should honor the promotion as it was advertised. Thank you for your time and consideration in this matter.
Product: Debt collection

I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No 3rd party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting COVID-19 I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX XXXX MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT
Product: Credit card or prepaid card

On XX/XX/2021 I payed on my account {$620.00}, and this payment was not applied to my balance/account. Additionally, interest was charged on a balance transfer and withdrawal when it was advertised interest free for 6 months.
Product: Credit reporting or other personal consumer reports

Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX XXXX  under the account number ( XXXX ) and XXXX under the account number ( XXXX ) and XXXX FUNDING under the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and XXXXI am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this loan in XXXX of 2019. I have provided a document stating that it was paid off. This company has sent this same bill to numerous credit collection agencies and there is a new one calling daily. I keep disputing it and show the statement and they still refuse to stop the collections and to stop having different agencies contact me. The credit reporting agency is not even attempting to take it off my report just keeps saying its valid.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$150000.00} - Open XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$42000.00} - Open
Product: Debt collection

AARGON/COLLECTION/CHARGEOFF # XXXX OPEN DATE : XX/XX/20 AMOUNT : {$6400.00}. THIS ACCOUNT IS FRAUDULENT I HAVE NEVER AUTHORIZED SUCH SERVICES I HAVE NOTIFIED THE COMPANY OF ACCOUNT REPORTING ERRONEOUSLY.