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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card

I feel the need to take legal action at this point Im requesting arbitration to be started within a timely manner and Im contacting my lawyer today about Experian and XXXX  Im requesting arbitration and my demand request for arbitration was sent months ago Im done Im requesting arbitration for Experian and XXXX  asap within a timely manner Im taking legal action based off of retaliation I have the evidence to prove it I want Experian and XXXX charged with credit fraud for The malicious intent to retaliate I have the evidence Experian dont have my permission to further investigate anything on my personal credit account account until arbitration until after arbitration Experian dont have my permission to contact none of my credit card holders without my consent I want Experian charged with fraud. I got the evidence, malicious intent retaliation.
Product: Mortgage

Select Portfolio Servicing is our loan servicer. We went through the loan modification process. SPS honored the modification for one month. Today, I received a foreclosure notice in the mail. SPS claims we have not made a payment since XX/XX/year>. I can no longer access my account online nor can I make a payment as a guest. I also can not get past the automated attendant when calling the XXXX XXXX. We made the lower monthly payments SPS determined as sufficient. Why did SPS foreclose?
Product: Debt collection

I got a text alert from the credit bureau 's that someone had recently filed a collection on my credit file under a name other than mine. It was dated XX/XX/2018 from a collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL for {$770.00} for XXXX XXXX which I have NEVER subscribed to or ever had. The credit bureau said a new name was added to my credit file and the collection agency filed the collection under that new name. I've read numerous posts that this company is known for this type of criminal behavior, many whom are suing this company for its illegal practices.
Product: Debt collection

On XX/XX/XXXX someone named XXXX called my cell # from a collection agency named XXXX, XXXX XXXX XXXX. She stated that I owed {$1100.00} due to a delinquent joint bank account that I had opened in XXXX with my husband through formerly know n as Wachovia ( Now Wells Fargo since XXXX ). She said this debt was not resolved in XXXX and that the action was not pursued until XXXX when they sent multiple letters to my home address. She said I could pay half of the debt today and they would remove any further legal action from my social security number which she read out to me at the beginning of the call. She said that if I didn't pay they could prevent me from utilizing a bank account, debit card, credit card for up to 5 years, they could take any stimulus money, tax returns, assets, garnish wages, etc. That this would be reported to the 3 major credit bureaus and I told her I would not pay anything over the phone and that I needed something in writing. She emailed me a letter that stated exactly what she had said on the phone. I looked up their website and it seemed legitimate. So I called Wells Fargo as I did once have a joint account with my husband through Wachovia bank in XXXX but we closed the account in XXXX and have been in good standing with Wells Fargo ever since. The teller at Wells Fargo did not find any debt under my social security number or my husband 's social security number. Also, the teller informed me that Wells Fargo no longer utilizes third party services for debt collection. So, I then called XXXX from the supposed XXXX, XXXX XXXX XXXX and told her that I contacted Wells Fargo and they have no record of a debt owed by me. She asked me if I called the XXXX number for Wells Fargo and I told her that I had and she said those people make {$10.00} an hour and they don't know anything about this debt because it is not through Wells Fargo it is owed to Wachovia. I also told her that they informed me that Wells Fargo does not utilize the services of a third party for the debt collection any longer and she told me that XXXX, XXXX XXXX XXXX was not hired by Wells Fargo rather they are retained by the Virginia Department of Treasury for this debt!!! So, I told her that I would contact the Virginia Department of Treasury then and she said " FINE, I will put this on the lawyer 's desk then!! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I identified inaccuracies in some of the information provided. It is imperative for the XXXX credit bureaus to verify these items. They are not permitted to label this reported items as unverified without presenting evidence within the legally stipulated timeframe. The mentioned items require thorough investigation and correction for the erroneous entries in my credit file as listed on the report. The following unverified items 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 XXXXPayment Status : Late XXXX  Days, XXXX XXXX Balance Owed : {$6800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My wife and I married in XXXX. We made a payment on my credit card from her bank account. This defaulted her account as the preferred account. We did not notice from XX/XX/XXXX to XX/XX/XXXX. My wife noticed payments from her bank account and marked it as fraudulent, but we did not identify my credit card as the account until JPMorgan Chase began sending me notices of the balance. I immediately paid the JPMorgan Chase credit line balance. The credit line remained open for about another month, during which I used the credit line and subsequently paid the balance. For all the credit line balance in question, I paid well within the terms. Recently, JPMorgan Chase closed the account and reported me as delinquent in the payments form XXXX to XXXX ( although the balance was paid immediately and for a second time ). I contacted JPMorgan Chase to resolve the issue. JPMorgan Chase claimed the payments were never received because the payments were reversed. I disputed, saying for the payments to be reversed they must have originally been made. I can not go back in time for a second payment to be received, an impossibility. Further, when the balance for the reversed payments was reported to me in XXXX, I immediately paid. Therefore, under no legal or logical definition was I delinquent by my own action. Despite my dispute, JPMorgan Chase closed the account and reported the fully paid balance as delinquent. I believe this was done to intentional impact my credit score ( which was immediately lowered ), or at the least, JPMorgan Chase 's systems and processes are recklessly designed to negatively impact debtors.
Product: Credit reporting or other personal consumer reports

The TransUnion along with XXXX have been denying me about all these inquiries on my account. I have given police reports and identity theft reports stating that these inquiries were not mine. Im tired of it. They all need to be removed at once!!! According to 15 USC 1681b I DID NOT GIVE ANY PERMISSION FOR MY CREDIT TO BE RAN ALONG WITH IT BEING PUBLISHED ON MY CONSUMER REPORT! This is illegal to obtain my credit without my permission and you can be sued for it. So TransUnion and XXXX need to remove these inquiries. Its a ridiculous amount of inquiries which is crazy and some are one day after the other. Like seriously youre not going to get an approval if you didnt get one the day before. Im tired of fighting especially when I have said it isnt mine its fraud given police reports and so forth. Remove at once.
Product: Mortgage

I received a XXXX from Bank of America with cover stating " Important Opportunity Enclosed '' offering assistance on my loan modification, that offer requested that I contact XXXX XXXX by XXXX XXXX, XXXX to take advantage of the " proposed '' opportunity. I called XXXX XXXX at the telephone number on the letter approximately 5 times but her voice mail stated that she would return by XXXX/XXXX/XXXX ( XXXX day before my deadline of XX/XX/XXXX ) but no call back. I even called the number that XXXX XXXX left on her voicemail indicating that if I have an emergency to call ( XXXX ) XXXX but no one answered the line and after a few rings the line disconnected. What am I to do, when I call and get no answer??? 

I would like to discuss my particular situation with the bank but to not prevail. I always feel that I get a perpetual run around with Bank of America. 

I assume that they are contacting me because of my complaint filed with the CFPB regarding my being overcharged on my loan modification because of the bank 's dubious practice/tactics of shepherding me to foreclosure by intentionally denying me a loan modification from the very beginning when I first applied in XX/XX/XXXX. Now I am being charged over {$180000.00} in additional costs because of the bank 's tactics of denying and then adding on more and more costs. I am being charged for their tactics. Now I can not get in touch with the banks representative, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX XXXXFirst I sent a letter regarding inaccurate and unknown things on my credit report to this over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 XXXX a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Student loan

My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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. 


Name of Account Account Number XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018 ; XX/XX/2018 ; and XXXX XXXX. It is now XX/XX/2018. I sent the XXXX XXXX-XXXX and all XXXX credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and PORTFOLIO RECOVERY made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from ACCOUNT NOW is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time PORTFOLIO tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX / XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor:XXXX  XXXX  XXXX ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ) .This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX
Product: Payday loan, title loan, or personal loan

I was hung-up on twice by each person in the office. 
I feel that I was overcharged on the Garnishment ... ..I was charged twice for Court Fees after My Employer had already replied to the Company. I was already on an existing Garnishment and the Company knew that and went ahead and filed again on me, charging me over {$100.00} a second time for the Court costs.
Product: Credit card or prepaid card

On XXXX, I attempted to reload my American Express Serve Prepaid Checking Account and the card got Declined at 1 ) XXXX XXXX XXXX XXXX XXXX XXXX ( kiosk Machine XXXX, XXXX, and XXXX ). I thought it was someone who had hacked the Kiosk Machine ( again ) and chose to prevent me from paying with card. So, I called the XXXX XXXX ( XXXX ) XXXX and shared how someone hacked the Kiosk Machine and prevented me from reloading my XXXX Card ( {$1.00} ). This occurred around XXXX XXXX. EST. Then I arrived to XXXX XXXX, FL ; chose to pay for a Strawberry Milk Shake at the XXXX  located at : XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; and my transaction kept saying DECLINED. I knew I had at least {$12.00} ( rounded off ) ; and it kept saying DECLINED over and over. So, I had to pay for the order in cash ( see image - {$2.00} ). Once I received the order, I called American Express Serve again, this time to speak to a Representative vs. hear my balance. XXXX answered the phone and said that a purchase of {$11.00} was used at XXXX ( yesterday XXXX ). This took place at a XXXX in XXXX, NY. It was in Pending status ; and that I have to wait 8 days for the Merchant to answer some questions. I told XXXX I want to DISPUTE the transaction. I twas not me. I did not shop at XXXX yesterday, XXXX. I only used my card TWICE yesterday, XXXX ; and therefore, since {$11.00} is STILL NOT in my account today, XXXX ; I am filing this CFPB complaint. 
In conclusion, please have {$11.00} credited back into my account. Make American Express Serve Department secure my account better and add my name back to the account the way it used to be. I am still who I say I am. I have not lost my identity, rights, or benefits in our country. I have my freedom 100 % ; and I don't understand how this really all happened. Perhaps your end does. I even emailed CFPB LAST night past XXXX XXXX. EST from my mobile phone ( XXXX ) XXXX ; and I still do not have the money in that account. Please have the online account fixed and the money placed back. It's a complete CRIME for anyone to steal that money and then say, " XXXX transaction. '' The last day I was in NY was on XXXX. I've been back in XXXX Florida since XXXX, and I have NOT left. Again, please have the money placed back in the account. Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX & XXXX XXXX
Product: Credit card or prepaid card

I have had a Citibank Credit Card since XXXX. 

I reported my card missing and I was told I would be mailed a new card. 
I never received my new card. I then had a new card number associated with the card I never received. 
Problem 1- Citibank will not terminate my account. 
Problem 2 - I no longer knew the number of my card.

Problem 3 - After changing my phone number the service rep told me they could not help me, because I could not prove I was me. I provided them with my social security number, what I had recently charged, and my security word, but they continues to tell me they could not help me. 

Although I couldn't remember my password, my username and password were saved on one of my computers, so I could log into pay my bill. I logged in payed off my entire bill so I had a zero balance. I told the customer service rep I did not want the card any longer and I wanted my account terminated. I told him I didn't even have access to my own account any longer and I wanted the account shut down. 

On XX/XX/XXXX I received an e-statement from Citibank saying I had a new balance of {$6.00}. 
I called the Citibank customer service to report a lost card that had a fraudulent charge. I told them I had not had access to that card since XX/XX/XXXX which is the date of the last charge I made my Citibank card. 
I WAS TOLD THEY COULD NOT DO ANYTHING TO HELP ME.
Product: Debt collection

Jefferson capital system added a collection account to my credit that I have no knowledge of. I was never sent a purchase agreement or anything to verify that this debt is mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Complaint Against : Sallie Mae Issue : Inaccurate Late Payments & Right to Rescind Loan Agreement Description : I am submitting this complaint against Sallie Mae for reporting late payments on my credit report without proper verification, in violation of federal law. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), data furnishers must ensure the accuracy of the information they report. However, late payments can not be verified solely through account statements ; actual documentation proving the validity of the late payments is required. Sallie Mae has failed to provide such documentation.