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

in XXXX my XXXX son XXXX XXXX DOB XX/XX/1995 was a victim of id theft. The thieves racked up XXXX XXXX of dollars in credit card, cell phone and other misc. bills. We filed a complaint with department of aging and other entities and even put a fraud alert on his credit. since then he has been constantly being sent to collections for a XXXX bill he is not responsible for. The address on file is a unknown address and my son has never lived there seeing is that he is XXXX and lives with me. I advised the collections rep but was getting no where and this is becoming very stressful for us please help!! The amount is XXXX but its the principal. his ss num XXXX his address is XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ga XXXX i do not have the XXXX   account number but the collection company is AFNI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to XXXX  about the Lexis Nexis reporting that they removed the bankruptcy from my record. XXXX  admitted that Lexis Nexis removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent Lexis Nexis to the Bankruptcy Court to verify. Lexis Nexis did not go verify as claimed by XXXX. Yet, XXXX, XXXX and XXXX still is displaying a bankruptcy.

In addition, my file is locked with Lexis Nexis and they lawfully can not report anything about me. XXXX has retaliated and started  removing aged good credit history from my report. XXXX XXXX said that XXXX disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid.

I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.
Product: Credit reporting or other personal consumer reports

For almost 2 years I nor any intuition can see my Equifax credit report. I have called them several times and have sent them verification of my identity with ss card, income statements, copy of drivers license as requested. Every time I call back to see if they got the documents they always say they have not and to resend the items. Then i ask for a copy of my credit report to be sent to me via mail and they never send it nor can I obtain it through the free credit report website. I have no problems with the other credit bureaus showing my report just Equifax and it has caused me a lot issues of not being able to obtain loans. I don't know what else to do to get the issue resolved.
Product: Debt collection

I have no information on this account. I am unsure if this account belongs to me.
Product: Checking or savings account

On XX/XX/2022, I received a notification that a fraudulent transaction ( {$200.00} ) has been been made with my debit card. I called Ally Bank and confirmed that it was not authorized. I then disputed the transaction and was told that it would be investigated. On XX/XX/2022, I received a letter stating that the transaction is considered authorized because the transaction was " completed with a merchant with whom you have established a relationship ''. I do not know who the vendor ( XXXX ) is and I know for a fact that I did not make the transaction.
Product: Debt collection

The following account does not belong to me Radius Reference XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX {$670.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX Balance : {$94.00}
Product: Mortgage

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have a mortgage with PHH Mortgage, XXXX XXXX, XXXX XXXX. My complaint is that when I send my mortgage payment that includes prepayment of principal, the prepayment is first credited to the Escrow account, and not as a prepayment of principal. Additionally, PHH Mortgage is servicing my account from a foreign location XXXX. I do not want my non public information being shared with XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my deep concern and disappointment regarding the accuracy of information on my credit report. Despite previous communication, your agency has failed to demonstrate due diligence in ensuring that the reported items comply with 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification. As mandated by 15 USC ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the reinvestigation process your agency used to verify the accuracy of the disputed items on my report. This description must include : 1. The name and address of the information provider ( s ) contacted 2. The telephone number of each provider, if reasonably accessible 3. The name of the individual who verified the dispute 4. Valid documentation that was used to substantiate the continued reporting of these items This information must be provided within 15 days from the receipt of this letter, as required by law. Additionally, I have previously notified your agency that I am a victim of identity theft related to a data breach. I have filed a formal FTC report ( enclosed ) and demanded the immediate removal of all fraudulent information from my credit report, as required under 15 USC 1681c-2 ( c ) ( a ). Your agency is legally obligated to block and remove any alleged identity theft information within 4 business days of receiving a complaint that meets the necessary criteria. 
Despite this clear request, the following inaccurate item remains on my credit report : XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX XXXX XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted. 

XXXX XXXX - XXXXXXXX Misleading and False Reporting. ** This item has never been validated, and no supporting documentation has been provided to confirm its accuracy. If this item can not be proven valid, it must be immediately deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a balance due of {$7200.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than what was owed and consequently there should be no outstanding balance due. This false reporting of a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I got first notice of debt on credit report. I call GLA collection in XXXX ky and asked about credit report. Was told my old address XXXX  where they were sending statement and statements not forwarded. I gave them my correct address, they offered settlement. I asked verification of debt. Was told not their problem. I sent email requesting verification, giot a print out of amount owed. No who, when XXXX just amount of each account. I started paying known accounts and asked verification on unknown. They refused again. I have paid more accounts and they agreed to withhold reporting until XX/XX/XXXX to give me time to pay. I have been paying XXXX and today XX/XX/XXXX I see 10 of those reported to credit agency. I am XXXX and paying as I can, they know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX at XXXX. I called XXXX to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX, {$4400.00}, Bankruptcy reference # XXXX has violated my rights. 

I also want these names and addresses deleted XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX 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 I had written to the company ( MCM ) and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information.

I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the change in the New York Statute of Limitations bill signed by Gov. Kathy Hochul into legislation in XX/XX/2021 as a provision of the Consumer Credit Fairness Act which states the statute of limitations of been cut to three years from date of last activity.
Product: Debt collection

Claimed debt is no longer owed. They claim the last time card was charged was 2007. 
Process servers have never been here and I am here all the time. 
They do not give me there name and address. Just claim I owe money from a Juniper card long ago. They say they can default if process server cant get in touch with me but they never come.
Product: Student loan

i have XXXX total loans from sallie mae. I made my 2 first months payments and i realized it way to high for me to afford. i made countless attempts over the phone to get them to help me make reasonable payments. they are very hard to speak to, never get the job done. i payed to be in forbearance so i can save up to be able to pay off the monthly loan payments which equal out close to a {$1000.00} a month. i barely make XXXX a year. they made me pay {$50.00} per loan to enroll me into forbearance. Then a few days after they started calling me for payments and they said sorry we made an error. They re read the terms and made me accept and them said they will mail me a typed letter telling me I am in forbearance from XX/XX/XXXX-XX/XX/XXXX and my payments will resume in XX/XX/XXXX. then letter stated otherwise saying the forbearance term is from XX/XX/XXXX-XX/XX/XXXX. I called them to correct it because i made my XX/XX/XXXX payment and agreed to a XX/XX/XXXX-XX/XX/XXXX in forbearance. They said do n't worry we got you covered. a few days after they called and said we cant enroll you in forbearance in all XXXX loans. The rep had made a mistake. So basically, they are n't making any efforts to resolve this issue and help me make my affordable monthly payments. please help me. im a student with $ XXXX in loans and i want to do my part in paying but i ca n't afford what they want from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 the information Any other adverse items of information, other than the records of convictions of crimes which antedate 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: Credit card

on XXXX i went on dollar car rental and reserved a car rental and paid XXXX dollars down with XXXX remaining when i arrive at the rental office on XXXX when i arrived at XXXX XXXX XXXX XXXX car rental didn't accept my credit card XXXX i called the customer service number on the pamphletthe dollar rep had givining me directions to do so were i could get my refund customer service to me XXXX business days for the refund to be given back on my credit card i have called XXXX times now and they keep saying XXXX business days that hasn't came for a total of XXXX business days and counting plz help!!! this is national known company be held responsible and give me my money back thank you for your time have a blessed day
Product: Checking or savings account

On XX/XX/XXXX, I requested the opening of a checking account through TIAA Bank. Even though my application went through and I was waiting for a final decision ( I don't know who makes this decisions ) someone at TIAA canceled my application. I was never advised why my account had been denied from opening. I had to login myself only to find out this person made an unreasonable decision. Never received " adverse action '' to find out and have a little of details on why my application was denied. 

Furthermore, I held an account before with TIAA Bank, more than a year ago. I opened it without any kind of trouble, this time the human being who checked my application approved me and I was able to enjoy of their benefits for a short period of time. It wasn't until a company that owed me money sent me a fraudulent check that was deposited in my XXXX XXXX  account ( still current bank, because real humans work there ) and I decided to take my business to TIAA,  again, because of their benefits. I right away deposited a personal check for the amount of pending funds plus amount on account ( XXXX XXXX ) to TIAA, to start my business with them, but unfortunately check never posted due to my Bank couldn't verify funds and didn't approve the transfer to my new Bank ( TIAA ). My account was closed, customer Service worthless, don't understand, don't believe in anyone, rude people, told me to try again applying for a new account, they can't reopened it because it was closed already, worthless people who by the way had the power to reopen account and didn't do it just because 1 single and simple error, the worst Bank ever at the moment and how I will call it in social media and the internet from now on because I will make my job for the American people to know what kind of Bank is this. 

All in all, waited all this time for that bad remark to go away and wanted to give it a try again, looks like I'm still wrongly flagged and I can't open an account.
Product: Debt collection

this account does not belong to me, i have never been at this hospital, this company has harm my credit report, and score for false information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX this is my previous complaint number, bank of america has been no help and they have destroyed my credit
Product: Checking or savings account

I am writing to express my disappointment and frustration regarding the recent promotion that KeyBank advertised. In particular, I am referring to the XXXX XXXX XXXX, which offered a {$200.00} reward for opening a new checking account and fulfilling certain conditions. 

I opened a new checking account on XX/XX/2023, and have made direct deposits totaling at least {$1000.00} by XX/XX/2023, well before the deadline. I fulfilled all the conditions of the promotion and was expecting to receive the {$200.00} reward within 60 days, as stated in the terms and conditions of the promotion. 

However, despite fulfilling all the conditions of the promotion, I have not received the {$200.00} reward that was promised to me. I have contacted KeyBank customer service four times, and have been told that I should have received the reward on time. The customer representatives promised me that they would follow up on my case, but I have not received any updates or communications from KeyBank regarding this matter. 

This delay is unacceptable, and I am not only asking for the {$200.00} reward, but I would also like to sue KeyBank for a {$100.00} penalty for each day that they have delayed in depositing the reward. I feel that KeyBank has breached its contract with me and has failed to fulfill its obligation to provide the reward. 

I urge KeyBank to take immediate action to rectify this situation and to credit the {$200.00} reward to my account without further delay. I also request that KeyBank compensate me for the inconvenience and frustration caused by this delay.
Product: Debt collection

I was contacted by Fidelity Creditor Services in the week of XX/XX/XXXX about a debt from XX/XX/2013 from XXXX, the amount is {$520.00} and I have XXXX never got a mail or letter or anything from XXXX before. Fidelity Creditor Services has reported the debt to my credit without obtaining verification or validation and they are trying to collect the money from me.
Product: Student loan

To Whom It May Concern My name is XXXX XXXX, and I am a XXXX  at the XXXX XXXX XXXX with a federal student loan serviced by MOHELA ( account number : XXXX ). I am writing to file a formal complaint regarding a persistent issue with my loan payments and unprofessional treatment from MOHELA customer service representatives. 
Since XX/XX/2024, a portion of my student loan payment has not been reflected accurately on my account. Despite multiple attempts to contact MOHELA by phone, the issue remains unresolved. 
Here 's a timeline of events : XX/XX/2024 : I made a payment of {$120.00}, but only {$64.00} was reflected on my account. 
XX/XX/2024 : I made an additional payment of {$40.00}. 
XX/XX/2024 : After no resolution, I made another payment of {$120.00} while requesting assistance. 
XXXX ( multiple calls ) : I contacted MOHELA repeatedly, receiving conflicting information and experiencing unprofessional behavior from customer service representatives, including : o Dismissive statements about my early payments ( despite wanting to avoid interest accrual ). 
o Long wait times ( XXXX hours per call ). 
o Refusal to connect me with a supervisor. 
o Inaccurate explanations, including claims that the new platform would take 90 days to reflect all payments ( contradicted by previous on-time postings ). 
o A comment about the government being " slow '' which felt dismissive and disrespectful. 
I am deeply concerned about the missing funds and the lack of professionalism I have encountered from MOHELA. My proactive approach to managing my loan shouldn't be penalized. This situation is causing me significant stress and financial uncertainty. 
I urge you to investigate this matter thoroughly and ensure the following : A complete and accurate reflection of all my payments on my account. 
A clear explanation for the discrepancy. 
Appropriate action taken to address the unprofessional conduct of MOHELA representatives. 
I kindly request a prompt resolution and a response outlining the steps being taken. I am available to provide any additional documentation needed. 
Thank you for your time and attention to this urgent matter. 
Sincerely,
Product: Debt collection

Vance and Huffman is falsely reporting a collection item on my XXXX, XXXX and XXXX credit reports that I do not owe. I disputed the account and Vance & Huffman LLC falsely updated it as " valid ''. The account falsely claims owe XXXX XXXX XXXX and amount of {$310.00}, which I do not. Account number XXXX. 

I do not owe this amount, I have never taken out a loan with XXXX XXXX XXXX or Vance & Huffman. Nor have I ever done business with either. 

The erroneous collection must be removed from my XXXX and XXXX reports as Vance and Huffman has never contacted me and has not sent me anything substantiating this alleged debt. It is not mine and is negatively affecting my credit. I am an XXXX and this irresponsible and false reporting can adversely affect my employment. 

This company needs to do its due diligence to verify debt ownership before reporting ( and continuously updating with no investigation ) false information on consumer reports.