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

sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the three bureaus XXXX XXXX, and equifax and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

XXXXValidate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : Please remove it from my credit report.
Product: Debt collection

i and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Pennsylvania has violated my rights. 

15 U.S.C 1681 section 602 A ; States I have the to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

i paid XXXX long time ago and the collection is still on my credit file the collection agency is refusing to remove the collection XXXX
Product: Credit card or prepaid card

i have applied with AmericaxExpress i was denied because of a XXXX in XXXX they denied me based on past history from 13 years ago, when the US was going thru a crisis meltdown their explanation " Cancelled your previous accounts ' File # XXXX I find this Income Discrimanation to hold something against me from XXXX it violates XXXX laws and the credit reporting that now it has passed the limit, but not to give me a card they are red lining me XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reached out to equifax to let them know ive had several unauthorized inquiries im just finding out about due to ordering my reports to check for inaccuracies. Equifax has yet addressed this issue to have these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account numbers : 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 Has violated my rights.

15 U.S.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

receivables management sv c is reporting false information to all  XXXX  credit bureaus. they are attempting to collect for services I never had. credit reporting amount of {$590.00} that I do not owe. I have reached out for a debt validation and gave them 30 days to respond but I never heard anything back.
Product: Mortgage

they asked for payment then refuse payment because that asked for it before they even set up an account and thenand now are trying to get double payment for the months they lost the loan. And now fgiving false IRS information
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXXXXXX ( Original Creditor : CITY OF XXXX XXXX FIRE DEPART ) XXXX Balance XXXX {$1900.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX & XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my equifax, XXXX, AND XXXX credit reports, it only it should show XXXX open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card my XXXX credit card account when it should show XXXX open accounts total XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX credit card XXXX XXXX bank credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been more involved on what 's being reported on my credit report. I signed up for XXXX and noticed that there was a collection on my report that I was n't aware was on there. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency in which I currently had service with them. I provided the rep with additional info to search for this account that 's in collections and the rep provided me with an address that I have never resided. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought thing would be resolve but it was still appearing on my credit report. I then disputed online to the collection agency who is reporting me in which after the investigation the results was that the debt was valid. I never lived at this address, never agreed to this fraudulent debt being mine, and never owed any debt to XXXX.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On Friday, XX/XX/XXXX I started getting messages from Chime about three charges made from XXXX. Asking me if these charges were me and if I made them. I immediately responded. No, they were not me and then intern received a corresponding text message saying that the charges were blocked and no funds were deducted from my account when in fact, all of the funds were deducted from my account and the transaction was not blocked. Have screenshots of all text messages proving this. They still have yet to give me my money back totaling XXXX. Two XXXX dollar charges and a {$250.00} charge. What is the point of an alert message from a bank asking if the charge is you or if its fraud when even when you respond No, it does nothing and doesnt block anything, then in return to get a corresponding message saying that the transaction was blocked and no funds were deducted from your account, which was clearly false Makes no sense
Product: Student loan

i owe money on an old Sallie Mae student loan. I have n't kept up payments i am a section 8 and food stamp recipient. I hear so much about student loan forgiveness but I havent obtained any direct information. My loan balance upward {$11000.00} and constantly going up due to the interest and penalty fees. It has been in default for over 7 years. How can I find outif I qualify for for student loan forgiveness also why has n't my account been tagged for student loan forgiveness. i have so much debt and i really need to get my finances in order now.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX  XXXX Balance : - XXXX CARD XXXX Balance : - XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : - XXXX XXXX ( Original Creditor : CHKGXXXX XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX Original Creditor : CHKGXXXX ) XXXX Balance : {$400.00} XXXX XXXX ( Original Creditor : CHKG/XXXX ) XXXX Balance : {$70.00} XXXX XXXX ( Original Creditor : CHKGXXXX  ) XXXX Balance : {$150.00} INSURANCE SELFREPORTED  ( Original Creditor : CHKGXXXX ) XXXX Balance : {$0.00} INSURANCE SELFREPORTED ( Original Creditor : CHKGXXXX ) XXXX Balance : {$0.00} INSURANCE SELFREPORTED ( Original Creditor : CHKG/XXXX  ) XXXX Balance : {$0.00} XXXXXXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/XXXX of 2022 i reached out to this company in regards to my information being effected by a data breach an have yet to get this issue resolved. Since then i have continued every month after that to send correspondence demanding that this information be re investigated and removed from my credit report. Nothing requested from this company has been validated or verified as factual accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem : incorrect employment information. Experian has me working for a company I have never worked at. In fact retired XXXX  years ago. Have contacted Experian over a dozen times - by phone and have submitted many disputes online. They insist it is correct. While it does not affect my XXXX XXXX it is used to validate my identity. Its very frustrating.
Product: Credit card or prepaid card

I have a paypal 2 % cash back master credit card, and because it offers 2 % cash back of any purchase without limits so I make almost all the purchases with this card. Because the credit limit on this card is low, and I contacted the agent and was told I can make the payment before the due date so that I will have the credit available once my payments get posted to the account and I can continue to use this credit card. So on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I made 3 payments, and contacted Paypal to see when my payments will be posted so that I can get some credits available to use on this card, and was told the last payment would be posted on XXXX. Today, XXXX, I got a call from a third company that I set auto payment with this paypal credit card and said the transaction was failed, so I called paypal. I was told my account was closed on XX/XX/XXXX because of the irregular payments ( without my authorization ). First of all, the payments were made with the same bank accounts and second, I notified paypal those payments and asked for the posting dates. Now, because they close the account based on their term, I lost all the rewards which I kept saving for long time and never redeemed which is at least {$1000.00} and get late charges because of the autopayment set up. I was told they can close the account anytime without verifying with me with any reason.
Product: Checking or savings account

On XX/XX/year>. I was fraudulently charged {$800.00} from a XXXX XXXX, under the name XXXX XXXXXXXX XXXX XXXXXXXX XXXX and the merchant description was XXXX  XXXX XXXX The company i was charged from was apparently a trucking company in XXXX, in my life i have never had the need to purchase anything from a trucking company, and i dont even live in XXXX  XXXX I looked up online and apparently i was not the only person who got charge from this site out of no where. I used the XXXX XXXX  to look up the receipt for this purchase and there were nothing to be found. I did not make this purchase and tried to call Bank of America to report the fraud & request to revert the money back to my account, they gave me a temporary credit of {$800.00} until the decision was made. My bank only reissued me the new card and denied the claim saying that it was because we used a verified device to make the purchase, i assume by tapping method. I think it was unfair that they think you can not get scammed because you can tap ur card. I have done my research and you can absolutely still get fraudulently charged from that. The decision was made on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful in my attempts to be provided validation in connection with accounts listed on my credit report : XXXX. XXXX XXXX XXXX  {$2600.00} XXXX. XXXX XXXX XXXX XXXX {$570.00}. 

There are duplicate entries on TransUnion report XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. 

There are duplicate entries on XXXX XXXX. XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX for XXXX sent correspondence in response to the validation request reporting a court-awarded judgment.
Product: Mortgage

Refinanced to Amerihome in XX/XX/2019. Did not receive welcome packet, account details, even was given the wrong account information. DO NOT USE AMERIHOME! 

XXXX. mortgage payment was deferred due to refinancing. 

Pay XXXX payment over the phone with a representative, paid the {$10.00} servicing fee, and was corrected on the account number issued to me being inaccurate. 

Paid XXXX over the phone, because online platform was clunky, showed loan unavailable because the account number did not match ( the old one or the new one ). I had still had not received welcome packet/payment coupons. Set up Online playform, connecting the right loan and name together with a representative on the phone. Attempted, and believed successful, at setting up Auto-Pay. Auto-paid failed for XXXX causing the cascade of " I hate this company '' Tried to pay XXXX and XXXX in full before XXXX XXXX. Bank returned payment, due to unable to find the account. Was notified on XXXX XXXX after both XXXX and XXXX payments late, was NOT notified on their online system ; no email, no text message, nothing! Did show that my payment had been kicked back from my bank " unable to locate account ''. 

I attempted to pay a 2nd time, in XXXX XXXX, paid with a different bank ( troubleshooting why the 1st bank rejected ) ; 2nd bank returned payment due to account errors. Now It said my account was over 30  days late, because both my banks had returned payments, I was unable to pay online, or with a representative ; had to pay with a wire transfer- are you kidding me?! I was spending my lunches as a XXXX XXXX trying to figure why I couldn't pay my mortgage, why the servicing department was having issues and inaccuracies with my account. 

In XXXX found out the surname on the account was incomplete/misspelled, after XXXX XXXX payment was rejected from my 2nd bank. Even now, I can see in my online system where my name is misspelled in their system. 

Have called Amerihome twice a month since XXXX to get this sorted ; has caused over 100 points of credit damage. Of a company of 115 employees, I have talked to 20 of them, including direct correspondence with people in the HQ office. Every person I have talked to has given me the run-around, put blame on me since they see their accounts are not misspelled ( but I can see on my online platform it CLEARLY is ). I have had 2 managers tell me they put in the request to get the XXXX phone calls listened to ; which I believe is MY proof that the Auto-Pay set up was a folly on AmeriHome 's part, and is the antecedent to the last four months of misery ; when I talked to the representative at HQ in XXXX, there was no note that either manager had put in the request ( 1st was in XX/XX/XXXX was in XXXX. ). THEY ARE GOING TO LIE TO YOU. 

Account was paid in full for the months of XXXX, XXXX and XXXX before XX/XX/XXXX. 

This servicing company has caused me much headache for ME trying to solve THEIR servicing issues. This company has caused horrible damage to my perfect credit report, and at a time where I am needing my credit to buy a new car. IF YOU AVOID USING AMERIHOME, DO IT!
Product: Credit reporting or other personal consumer reports

Formal request via certified mail was sent to XXXX on XX/XX/XXXX to request a good will adjustment. See attached letter from XXXX XXXX XXXX. 

For reasons beyond our control, we could NOT adjust our bill payer payments to XXXX resulting in partial payments. Prior to XXXX XXXX security breach, we made overpayments to our XXXX account from XX/XX/XXXX through XX/XX/XXXX and NEVER had a late or delinquent payment. 

XXXXXXXX XXXX security breach occurred in XXXX and lasted for weeks. My wife contacted XXXX and explained our dilemma with the understanding that our telephone call on XX/XX/XXXX was noted with an extended grace period. We were surprised to find that the grace period was not extended and that XXXX falsely reported NO payments received in XXXX, XXXX and by the due date in XXXX. XXXX sent partial payments of {$40.00} in XXXX, XXXX and XXXX. Our account was paid in full as of XX/XX/XXXX. 

We asked XXXX to amend and provide a good will adjustment to XXXX, Transunion and XXXX for the aforementioned reasons. 

On XXXX XXXX, XXXX @ XXXX, XXXX XXXX XXXX, XXXX XXXX offered to provide a one-time courtesy to amend our credit report if we provided proof that payment was initiated via Bill Payer on or before XX/XX/XXXX. Proof was enclosed via email ; attachement included voice-mail transcript from XXXX XXXX stating as such and bill payer payment made XX/XX/XXXX. XXXX continues to be evasive and disingenuous to resolving our request to addend our credit report. We would appreciate your help in resolving the issue.
Product: Credit card

I had fraudulent activity on my c.c. cards and my identity stolen back in 2021. I have worked with the 2 c.c companies to resolve the situation. 2 of the banks have turned me over to collections. I have resolved one of the accounts- XXXX 's paying the portion of the charges that were mine. They still put interest and late fees on the card which I have rightly refused to pay. The payments were made to the collection company, and a balance of {$2500.00} and change still shows on my credit report. This is totally inaccurate as the agreement with the collection people was less than that. So totally wrong info. U can see up until I had my identity theft my credit was impeccable. There are two issues - this XXXX and XXXX other one with XXXX I am trying to resolve and getting nowhere. All of my money was stolen out of my bank account along with the fraud charges on these c.c. cards and I am getting no help with anyone. I am a sovereign being and my rights have been stripped from me along with being overcharged by banks with their interest rates and false charges they just apply. I am asking someone to look into this, see that I have had great credit until evil entered my world, took my $ $ and charged things on my c.c ; s that I did not. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm filling a complaint against  XXXX  credit bureau  XXXX ,  XXXX , and Equifax. I checked my credit at  XXXX    XXXX   which send me an alert that my credit score has changed. I checked my credit score on  XXXX   XXXX . My credit score had fallen very low from going  XXXX  to  XXXX   (   XXXX   ),   XXXX  to  XXXX   ( Equifax ) "  I was Mad ''. They are going old information that been remove d. One I do n't have a Bankruptcy. Second I do n't have a Tax Lien. I want all information re move " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification from XXXX XXXX that I had a new inquiry on my credit report. So I looked into it and noticed that Capital One had ran my credit and caused a hard inquiry on my report. On XX/XX/year> I called Capital One and told them that I did not authorize anyone to run my credit, so they sent me to the fraud dept and they asked me if I had applied for Capital One Quick Silver Credit Card and I said no I have not applied for anything. It is now under investigation and I have put a fraud alert and a security freeze on my credit report. There is an address from XXXX XXXX and a phone number ( XXXX ) also labeled on my credit report that is not my phone number. I have never had that phone number and I have never lived in XXXX XXXX
Product: Credit card or prepaid card

I should have balance money on my prepaid creditcard from unemployment benefits from NJ. My unemployment claim was approved and I claim benefits itssucesssfully every week but I dont see it reflected in my Bank Of America account prepaid creditcard. What is the problem with it. I will like have some pront and diligent solution from your part. Thank you in advance.