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

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX XXXX account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX XXXX account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX consumer number XXXX.
Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The week of XX/XX/XXXX-XXXX, XXXX XXXX obtained my credit report unbeknownst to myself and made a redetermination on my credit worthiness, which resulted in a reduction of my credit limits on both my XXXX and XXXX XXXX credit cards, one by {$100.00} and the other by {$50.00}. Both cards have had consistent on time payments for one year.
Product: Bank account or service

l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.
Product: Credit reporting or other personal consumer reports

There is an account listed as XXXX XXXX located on my credit file that does not belong to me. Ive disputed this account with the bureau ( s ) numerous times advising them to provide me documentation proving that it belongs to me and they have never provided documentation. The account is fraudulently reporting and violating my consumer right to accurate reporting. Ive attached a previously filed police report and FTC report regarding accounts on my file that I never opened.
Product: Mortgage

Our mortgage was suddenly sold from XXXX to Greentree mortgage services XX/XX/2013. We were n't notified of this or any changes until after the barraging phone calls started when we were 1 week late on our mortgage payment. I had just been put out on XXXX from a XXXX, and was formerly the main wage earner for our family. My husband had just started a new lower paying job after not working in this bad economy for over 2 years. His pay was sustaining utilities and food only. I was involved in a workplace lawsuit, and was having a hard time getting any benefits or payments established. I communicated this to Greentrees representatives who were very angry and harassing. We were receiving phone calls up to ten times a day, with threats of jail, them sending the sheriff to just take our home, they threatened to attach wages and take money from our bank account. Their representatives were even bold enough to speak to, threaten and scare our children. They spoke with threats of taking everything we own away. It got so bad at one point a lady told me that they did not have to go through the legal processes, and did not have to notify us, that we 'd just be thrown on the street and homeless! My children are very scared, and now have severe panic attacks. At one point after a phone call from a nasty representative, I was rushed to XXXX and treated for XXXX ... ( XXXX ) I was advised by my doctor to send a cease and desist letter to stop them from calling. I sent one certified letter but still continued to call and question the ability to correct and mitigate my mortgage situation. I was told each and every time that my excuses were unacceptable, and we could n't be helped. We at one point received a mitigation relief package from them, filled it out, then months later received a letter stating that we were delinquent on making payment to mitigate our situation, and therefore unable to receive help, when we were never notified of any mitigation? I kept in contact, despite their threats. I received pre foreclosure letters, but never anything on how we could be helped. We considered bankruptcy, but were told for chapter XXXX, I needed to have a job. I went through several rigorous appeals with unemployment. I now recently picked up a part time job, and tried to notify Greentree again, and received a letter from DiTech. It 's not clear if they are our new mortgage service. They are asking me to honor our obligation, but now I found out that Greentree just settled a lawsuit for exactly the same issues and harrasments my family endured. I need your help to be included in that lawsuit. I 'm formally documenting our harassment by Greentree in this complaint, and would like to make sure we have no further problems with Greentree
Product: Student loan

This compliant is regarding two Private loans with Navient. I have been paying them for almost XXXX years and dont see relief in sight. I have had a difficult time paying my loans the last XXXX years. Last year I could not make payments for several months it created a negative impact on my credit. I did not want them to go to collection or get sued so I had to borrow money from my family for help. Since student loans are nearly impossible to discharge I am seeking relief. I have paid my dues and more. 

My loans went into repayment status on XX/XX/XXXX. About 6 months after I graduated form the XXXX XXXX XXXX XXXX. 

One private loan was originally {$17000.00} and I have made payments every month since they would not allow me to do forbearance- they allowed me to do a rate reduction but no actual relief. They have charged to date {$26000.00} in interest alone! Which exceeds over the original {$17000.00} loan amount. 

The other private loan originally was {$9100.00} and I have also made payments since then. They have charged me on accrued interest on this one in the amount of {$14000.00}. Which also is well above what I originally borrowed. 

I have made payments for about XXXX years now and barely made a dent in paying back. I still own a total balance on BOTH {$29000.00}. 

In the last XXXX years I have paid Navient about {$41000.00}. 

I have had a hard time paying these loans the last XXXX years. My business has been very slow. Also, as of XX/XX/XXXX Biden offer relief to all XXXX XXXX student for their fraudulent practices. 

I believe its fair for my loan to be discharged at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX  XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX- I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Product: Student loan

I have had 3 loans from Sallie mae/navient since the mid 2000 's. Each were taken out for XXXX. Since then I have been paying on them when I could even though they were in deferment. Once I had a career I started paying monthly plus adding extra payments while I could, this has been for over 3 years now. I still owe close to XXXX. I dont understand why my loan amount is not dropping. I have called several times over the years to see if I could get the interest rate down and ask how exactly my payments are being used to my accounts. I have not been able to lower the rates they've actually have gone higher and I recoeved no real answer to why my loan isnt really going down. Would like some help to relieve me from this huge debt and headache. 

Thank you, XXXX
Product: Debt collection

I have been receiving calls at my office from Premier Portfolio group. They want me to make payments, but have not stated for what. They called my work number I told them I can not receive personal calls at work since I am in a dispatch office and the phone is used for business only. They have called every day for 4 days straight even after they were informed that I can not take this call at work. As a matter of fact the young lady that worked for them said they were going to just keep calling.
Product: Credit reporting or other personal consumer reports

My investigation has been going on since XX/XX/year>. I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with records of who you spoke with, their business address, name and phone number. As well as documentation that proves that this account was late, if you can not provide me with this information in XXXX days update the account to XXXX XXXX and send me a copy of my updated report.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I disputed my XXXX XXXX  accounts for violating several fcra rights and my privacy rights. XXXX removed the the account but on XX/XX/XXXXXXXX  I received a notice that my accounts is delinquent which is false. FCRA usc 15 1681 ( e ) ( b ) has been violated by all CRAs transunion XXXX and XXXX. Why didnt transunion and XXXX remove this account that violated my fcra right? And how is XXXX reporting a deleted account delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter from XXXX XXXX  XXXX XXXX and my credit report from XXXX XXXX for proof that the XXXX XXXX XXXX XXXX account # : XXXX listed on my Experian credit report is a fraudulent account and it is not my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX  XXXX. Please remove this account immediately.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report promptly. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within XXXX days. I have included the relevant documents for your review and reference.
Product: Checking or savings account

In XX/XX/2020 I was a victim of an online travel agency that was taking money for trips that werent authorized or allowed due to Covid restrictions. As instructed by the company and other people who were also scammed I reported this to my bank. They refunded the money that I was scammed out of. XXXX dollars. When looking back through my statements they later took that money back out of my account a few months later and would not issue me my refund. Since there have been lawsuits against the company that scammed many people and others have received their refund by their banks. I still have not gotten my refund back from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tired at many times to find out about why a company got a credit report on me, that i never requested, The company that requested my credit report is, XXXX.. from Experian, i contacted them and i was told to contact experian,, and all i have gotten is the computer run around many times will not let me talk to a human to find out more about why a company i have never heard about requested a credit report on me this happened -- XX/XX/XXXX XXXX XXXX
Product: Mortgage

My loan was transferred to LoanCare. I received a notification from them that the loan was transferred. I have been trying to contact them for over 4 weeks now. My account was supposed to be transferred in XXXX. My upcoming payment was XX/XX/XXXX. My account has not been transferred and its XX/XX/XXXX. I have been consistently calling the LoanCare company and have had zero responses. First the transfer date for the account was XX/XX/XXXX, then it became XX/XX/XXXX, then XX/XX/XXXX and then XX/XX/XXXX. And now I am being told that I am going to get a late fee. The automated messaging and the time to reach a customer service is closer to 20 mins - 30 mins. 
This is insane! I have zero answers so far as to when I will be able to create an account and pay my mortgage.
Product: Checking or savings account

See attached letter and supporting documents on my attempts to resolve this issue. 

I have already submitted Complaint Number XXXX and it has been closed by CFPB but the issue has not been resolve. I am submitting another complaint against Bank of America now because they told XXXX XXXX that they would reopen the case and provide a response in seven to ten business days from XX/XX/2023 and we have not heard anything ( pass the buck ). 

This is so unfair, frustrating and my next steps will be notifying XXXX XXXX for help and filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have tried over and over again to get accounts removed from my credit file that do not belong to me and in addition was not opened by me. I need your help in getting these items removed from my credit file : The following items are not mine : XXXX - Bal : {$0.00} on ( XXXX XXXX Equifax ) and {$2100.00} XXXX - Bal : {$0.00} ( XXXX & XXXX ) XXXX XXXX - Bal : {$16000.00} ( XXXX & Equifax ) XXXX XXXX  XXXX XXXX XXXX XXXXk - Bal : {$2200.00} ( XXXX & XXXX ) XXXX XXXX - {$8700.00} ( XXXX, XXXX, Equifax ) XXXX XXXX  XXXX {$2200.00} ( Equifax )
Product: Debt collection

I owed by a bank for a personal loan taken out years ago. A judgement was put on me. I was contacted by XXXX XXXX XXXX XXXX claiming they could solve my debt with BB & T now Truist and I would make regular payments to them. I made regular monthly payments of XXXX each month for 15 months beginning XX/XX/XXXX via my debit card on auto payment... then it just stopped. I called XXXX XXXX and they said my debit was paid. no further action was needed. 
On XX/XX/XXXX I was served papers again from The Court Of Common Pleas XXXX XXXX PA stating there was again a judgement against me and now a lean all documentation is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I received three emails from Equifax on XX/XX/2019, saying my disputes are done. When I only dispute two things on my credit report, which were only XXXX XXXX and XXXX XXXX. I went online to access my credit report and they told me that I am still answering the wrong questions on my credit report. So what is not right on my credit report if things on there which are not me. The next page said I need more information. Which Equifax has a copy of my light bill, my driver license, and a copy of my social security card, which I sent this last month. I can not see my credit report credit to see or what Equifax is doing without my permission. I am NOT allowed to access my own credit report and see what is going on. Equifax is blocking me from seeing my own credit report and I requested at the beginning of this month to receive a copy of my credit report. This is not right what Equifax is doing to me when everything in the United States is base on your credit. Now Equifax is not letting me see my credit report at all. 

Here is the copy of the emails Equifax sent me this morning : Dear XXXX This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 

Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 17 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you! 


Dear XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 

View Now!

You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 24 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access them before XX/XX/2019. 

Thank you for giving Equifax the opportunity to serve you!
Product: Credit reporting, credit repair services, or other personal consumer reports

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
XXXX XXXX  XXXX XXXX XXXX : {$130.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Consumer Financial Protection Bureau I am writing you to formally report a case of fraud involving my Cash App account and to look for help in getting a resolution. Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I discovered fraudulent transactions in the amounts of $ XXXX {$500.00} that happened in my Cash App account without my authorization. These transactions, were made by unknown individuals, have caused me significant financial distress. I immediately contacted Cash Apps support team to report the fraudulent activity and request a thorough investigation into my case. Unfortunately, instead of receiving appropriate assistance, my account was abruptly closed without any resolution or reimbursement of the funds stolen due to this security breach. 

As a victim of fraud, I am extremely disappointed with the lack of security measures and inadequate customer support provided by Cash App. It is clear that the company failed to protect my account from unauthorized access, and their response has only exacerbated the financial and emotional strain caused by this incident. I am respectfully requesting your assistance in holding Cash App accountable for their negligence and ensuring that I receive compensation for the {$800.00} lost due to this fraudulent activity. Additionally, I ask that Cash Apps handling of customer complaints and account security be thoroughly reviewed to prevent similar incidents from happening to other consumers. 

Thank you for your attention to this matter. I trust in the XXXXonsumer Financial Protection Bureaus commitment to protecting consumers and ensuring fair practices within financial institutions. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

I was a victim of identity theft back in XXXX I reported this issue to the XXXX Police Department. I recently viewed my credit report a seen a collection for a company I never done business with. I wasn't contacted about this account I just happen to check my credit and seen it appear. I have used the same dentist insurance since XXXX and the same dentist so I wouldn't have the need to apply for another dentist insurance company.