23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have been on forbearance for 18 months under the Federal Covid-19 guidelines. We were offered a loan modification at the end XX/XX/XXXX. At that time my wife and I both were stricken with XXXX for over 1 month. We were contacted by LoanCare about the modification in XXXX which I explained that we both were stricken with XXXX. The modification was instituted by another company XXXX. We eventually were able to get the modification notarized, and sent back to XXXX via XXXX at the second week of XX/XX/XXXX. We have yet to receive any further communication from XXXX or LoanCare about the modification, and or a Statement. That said, I received a call from LoanCare on XX/XX/XXXX at XXXX pm est, and spoke to their representative who was pleasant however, she said that if I dont make a XXXX payment, they would turn it into the credit reporting agency as well as a late charge for non-payment. This is ludicrous at best, and I am prepared to sue LoanCare and XXXX for a lack of communication in this process, and providing us with a monthly statement for payment. This whole Covid-19 debacle has ruined most small businesses such as mine, and I expect the Federal and State Government to intervene in this matter, that was created by them. The person I spoke with at LoanCare on XX/XX/XXXX at XXXX Est placed me on hold for over an HOUR and believe it or not, I sat on hold that long. This is the kind of service their organization offers, and its been well displayed on all their reviews. Now this mortgage is an XXXX XXXX, and I will be contacting them as well over the XXXX challenges, and the very lack of customer service of this servicing agent LOANCARE. We are at our ends wits with whats happening with the Covid epidemic, and to have to deal with lousy service from both LOANCARE & XXXX the biggest shell game in America!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a letter to Experian on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked with XXXX my File one day randomly had Sears/CBNA on it with an Outstanding $ XXXX balance on it. 
Ive been trying to get XXXX to remove it and every time Sears sends me a letter in the mail with no number on the back and an Account number missing like 4 digits. 
Ive put in a Police report and Filed with Attorney General I believe this was done by an old associate of mine at XXXX XXXX XXXX XXXX in XXXX, PA. 
I noticed this charge on my Credit around XXXX of 2023. And been non stop on disputing it.
Product: Credit reporting

Back in XXXX 2015 I submitted dispute to the credit reporting agency, however have had no luck, or received any information on why my dispute was not deleted from my report. i feel like they are ignoring my letter.
Product: Checking or savings account

There was a mobile deposit made to my account XX/XX/2024. I was told there was a hold going to be place on my deposit an once the hold was released I would be able to acces it. Well on XX/XX/2024 Huntington Bank decided they want to lock me out my account an close the account. I called in to see why I cant login or my password was not working they stated that once the hold was released I could get back into my bank account an have access to funds. Well that wasnt true either the funds became available XX/XX/2024 an still was not able to access my account after I was told by a representative that I would be able to. I called into the bank they told me that they where closing my account a that I could go to a branch a withdraw the funds. Then when I ask to speak with a supervisor she told me that the hold was takin off the funds but she needed to find out why they are doing this with my account. Information I received still didnt help in any way. So upon speaking with another representative she said that its probably because I only had XXXX cent in my account at first she couldnt give me no real reason why either. I have had income tax checks and everything deposited through Huntington Bank Im really trying to understand the issue. I cant acces nothing an I cant even use my bank card. No one can tell you when to use your bank account or how much to deposit or withdraw so no this does not make since to me. I think there was no reason for them to take action against me at all or to even have this happen to me.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XX/XX/XXXX acct # XXXXXX/XX/XXXX acct # XXXX, XX/XX/XXXXXX/XX/XXXX acct # XXXX,XX/XX/XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$1900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}
Product: Debt collection

I lost my job about two months ago and my Macy 's bill was due XXXX/XXXX/16. Today is XXXX/XXXX/16 and a bill collecting agency called me twice today. Once at XXXX XXXX and the other at XXXX XXXX, both times I was at my current place of employment. I have NEVER been late on any of my payments. I did have XXXX slip up on my first payment where me being a teenager I sent them my debit card number instead of my routing number and they returned my payment. After that I personally drive about XXXX-XXXX miles to go pay my Macy 's bill and this is how I get treated after not even a week of being late. FOOLISHNESS! I 've worked 3 weeks in the hole at my new job and my check has n't come in the mail. I ca n't give them money I do not have!!!
Product: Student loan

On or about XX/XX/XXXX Requested/Called payment history from Mohela of previous servicer XXXX  showing 5 years worth of payments made by the Delaware Dept of Education on my behalf. 
Response : Mohela said Student Aid/FSA would have them. 
XX/XX/XXXX Filed a complaint/request to Student Aid/FSA who told me that Mohela requested the payment history and FSA closed my case. 
XX/XX/XXXX and XX/XX/XXXX Received payment history in the mail and online and it only shows one of those payments from the Delaware Dept of Education ( XXXX {$1400.00} split between 2 loans ) and does not show other payments made on my behalf to XXXX from XXXX. 
XX/XX/XXXX Completed survey at FSA complaining that they closed my case before I received the payment history which was inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have reached out multiple times to Experian, who I pay for services to report information from my accounts to help increase my credit score. Currently, they report information positively to my credit report. The issue is that I have reported to them that there is inaccurate information on my report in regards to a creditor reporting inaccurate and negative information on my report while the boost program they have pulled from the same time frame from the same creditor shows the same time frame showing positive information. I pay for a service and have been told there is nothing they can do for me and that I need to contact the creditor directly. That defeats the purpose of paying for a service. this is an additional complaint that correlates with my complaint on XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX concerning a hard inquiry made on my account on XX/XX/2019 by TD Retail Card Services. I was advise by an agent that I can not dispute the inquiry via their agency ( XXXX ) and that I needed to contact the company ( Td Retail Card Service ). I immediately reached out to Td Retail Card Service and they could not find an inquiry or service made using my social. They then informed me that I should reach out to XXXX to have it removed. I called XXXX again and they told me that they can not remove hard inquires. 
I am very concern that my information was used and the company it was used can not verify this information. Therefore I am writing to complain and have this hard inquiry immediately removed. 


Call log XXXX - 5 mins 14 secs ( XXXX ) XXXX - 14 mins 51 secs ( Td Retail Card Services )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.
Product: Credit reporting or other personal consumer reports

Within the last week i have been receiving correspondence from Experian concerning my disputes i filed in the month of XXXX from the XXXX to XXXX XXXX, the responses have not satisfied the investigation by data furnishers requirements of section 623 of the FCRA. 
Instead you have been insisting in several communications that i the consumer must provide documentation to support my disputes which is not what the law mandates. The duty to investigate and verify information in a credit report via written evidence lies with the Credit reporting agency and the data furnishers. Experian you communicated to me that you verified XXXX ( XXXX ) of my credit file accounts using information from your own in house database this is not not legal and not in compliance with the mandates of section 623 of FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report, which have negatively impacted my ability to obtain credit on fair terms. Specifically, EQUIFAX use of faulty software resulted in an incorrect credit score being provided to lenders, violating the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which mandates the highest level of accuracy in all reported information, including credit scores.

Upon reviewing my credit report, I have identified multiple discrepancies and request a thorough investigation. Please provide detailed information regarding the methods used to verify the accuracy of the following accounts : XXXX XXXX XXXX ( Account # XXXX ) Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXXXXXX ( Account # XXXX ) Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : MEDICAL ) XXXX Date Opened : XX/XX/XXXX - {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 55 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition.

I am writing to bring specific, Inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S code 1666 ( b ) under the billing error category.

( 4 ) the creditors ' failure to accurately reflect a payment made by the obligor on a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render my ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an involving errortherefore I humbly request that the subsequent entries be promptly updated on my consumer request report to reflect their current status as follows paid as agreed Account number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my knowledge or authorization. 
Accounts to Be Blocked and Deleted : XXXX. Chapter XXXX Bankruptcy Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$5500.00} Inquiries to Be Blocked and Deleted : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX. XXXX Date XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX I am a PayPal customer with email address XXXX PayPal limited my account and asked for ID, bank statement and proof of address which I submitted with case Reference ID : XXXX But they have not reinstated my account. 

I need this to be resolved
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulents accounts in my report.Please remove these account of my report thet are hirting my ability to obtaing credit. XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX " TransUnion '' lowered my score " Again '' from " XXXX '' by XXXX points to " XXXX '' without any provocation. Which was previously lowered by them before, my scores with the other credit agencies are currently over " XXXX '' and rising. But for some unknown reason " TransUnion '' will periodically and randomly lower my score, although there has been no erroneous changes to my credit. I requested several disputes of my CT Child Support account balance being incorrect due to it being drastically reduced by my stimulus funds that was rerouted to CT Child Support, " TransUnion '' has refused these disputes multiple times. Can you please assist me with this matter.
Product: Checking or savings account

Fifth Third has refused to close our XXXX account for our son and now is hanging up when we call to close our personal checking. 
We have moved XXXX hours away from the nearest branch and XXXX from our home branch. We are not driving XXXX hours to close an account. 
Close the accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$6000.00} XXXX  XXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Checking or savings account

I made a deposit on the day of XX/XX/2023 for an amount of XXXX. This was a bill of $ XXXX bundled together with a XXXX label ( as is customary from the bank ). 
The ATM machine was not able to register the {$5000.00} and can only register {$3500.00} at the confirmation prompt, to which I promptly realized was an error and requested for the ATM machine to cancel the transaction. 
At this juncture, the ATM machine retured exactly {$3500.00} but the rest of the money from the initial bundle ( {$1500.00} ) was not returned. 

I filed a dispute claim with Wells Fargo ( claim number : XXXX ) but Wells Fargo informed me last week ( XXXX XXXX XXXX I can find the letter if need be ) that the claim was denied. 

I tried to contact Wells Fargo to explain that I have evidence they might be interested in ( since I took pictures of the serial numbers for the XXXX dollar bills ) but it was a dead end as their 'investigation ' that took 2 months did not show any extra money being deposited into the account from my transaction.
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.
Product: Debt collection

Midwest Recovery Systems, LLC is collecting for XXXX XXXX XXXX. 

o XXXX XXXX XXXX  is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State. 
o The current status of my account is not correct. The report shows that the date of first delinquency is XX/XX/XXXX, this is a flat-out fraudulent claim as any business that was conducted illegally by XXXX XXXX XXXX with me was prior to XXXX. Washington and Federal statutes of limitation apply. They will be unable to prove the date of the first delinquency with XXXX XXXX. 
o Despite the fraudulent and illegal collection efforts described above, neither Midwest Recovery Systems nor XXXX XXXX has mailed a notice of debt collection, my balance due, their contact information or my right to dispute. Additionally, I have received multiple harassing robocalls identifying themselves as a debt collector requiring me to call another number. I have no option of consenting to the calls or opting out.
Product: Mortgage

I just refinanced my mortgage with Everbank. My loan went through and the old mortgage was paid off. But in the time between the payoff and the automatic payment of my XX/XX/XXXX mortgage ( which was not supposed to be paid ), the bank took out the monthly payment, a mistake on their end, and instead of refunding that payment to me, they applied it to the new mortgage. I told them that I wanted the entire amount that they owed to me to be refunded. I am still waiting. They are telling me that they can only refund a partial amount. It was their mistake, and I want all of the money owed to me.