23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  says that I owned them XXXX dollars they send the bill to collection on my credit account it says I opened it on XX/XX/XXXX of XXXX  Ive never been to hospital quite some time now this is not my bill Ive tried to dispute it with XXXX, on XX/XX/XXXX  my results were not changed even with XXXX as well Ive yet not received the result Ive been looking for, i honestly feel like they violated 15 u.s.c 1692d
Product: Debt collection

My identity was stolen in XXXX by a gentleman using my name and address. the gentleman was later ( XXXX ) identified as XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/17 I sent XXXX XXXX XXXX XXXX, Transunion LLC and XXXX a letter regarding the bankruptcy being reported on my credit report, this letter informed them of inaccurate reporting and challenged the validity of the report. On X/XX/17 I received a response that XXXX XXXX had provided verification this information was correct. Prior to me sending a letter to XXXX, Transunion and XXXX, I froze my account with XXXX XXXX and have a letter verifying this was done, so there would not have been a way for XXXX, Transunion or XXXX to 'verify ' this information. Due to seeking out information and reporting public record as they are not supposed to do, my resolution is to have the bankruptcy removed from my XXXX, Transunion and XXXX credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo ran my full credit report on XXXX without my consent, or permission. I have not applied or am not applying for any additional credit cards or items this company offers. I had no knowledge of this report being run.
Product: Debt collection

Enhanced Recovery Company reported debt to the credit bureaus without first contacting me. The date opened is XX/XX/XXXX and the balance is {$120.00}. I received no voice mail, email, or physical mail and have not spoken with anyone on the phone. The debt originated from XXXX XXXX. I have no outstanding charges with them. I canceled my services with them in XXXX. The account was on autopay when it was active, so there is no reason why there should be any debt originating from there.
Product: Credit card or prepaid card

On XX/XX/2019 I went into XXXX XXXX to make a XXXX XXXX card for {$460.00} the bank teller gave me a receipt saying the transaction failed I then went outside to use the atm and it wasn't taking my card either.I went back inside the bank and ask them what happened to my money I called XXXX XXXX the next day after it was posted cash pending for {$460.00} then the next day they said the money was taken off my card. I went back into the bank the following day and spoke with the manager XXXX XXXX. I called XXXX XXXX  and put them on speaker. Both are claiming one or the other has the money. I never received any money from the bank camera 's don't lie. I have faxed XXXX XXXX all the documents that I have concerning this matter.Please help me with this thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. This situation has become absolutely unbearable. I've just checked my credit scores with Transunion and my score has gone down once again. This, despite the fact that I have a stellar payment history. At this point, you'll see by the screen cap of score fluctuation, I'm almost giving up hope with these people They've also reduced my credit history by one month - saying that my history is 8 months. In fact, my credit history goes back three years at this level I'm currently pursuing employment within the XXXX  field and because of this credit score it's making it difficult to approach any of the larger XXXX  or XXXX  firms. Not only that, my objective is to work within the XXXX  sector - there's absolutely no way that they'll employ me with credit score like this. Even though it's 100 % INACCURATE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 EQUIFAX XXXX XXXX  XX/XX/2024 XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

On XX/XX/2023, a charge was posted to my benefit card for {$310.00} by XXXX XXXX XXXX. I have proof from the merchant that they admitted to not providing the service according to a customer agreement. As well, my dissatisfaction and grievance with the company. The merchant offered a refund, however, it was not for the full amount of the purchase of XXXX. After going back-and-forth with the merchant and being promised a refund, I contacted Direct Express to file a dispute claim. I provided evidence and an explanation in writing and waited for several weeks for a packet from direct express to sign. I contacted direct express to follow up multiple times and when I finally received the packet, I signed it and returned it. After, I called to follow up and it was explained that my claim was denied. I asked for reason for the denial and never received one. Despite the documentation that I provided. After my complaint to the merchant, I obtained copies of authorization slips thats was unsigned, showing that I never acknowledged receipt of any goods or services. Therefore, making the transaction not valid. Also, the merchant never was able to provide an itemization of work completed or bill. For that reason, I am demanding a credit to my account. The money that is loaded onto the benefit card is from XXXX funds and I need that money back.
Product: Mortgage

My mother and father passed away and their house went into foreclosure. I want to save the house. I don't want to sell it or lose it to the servicing company. I would get a heloc or refinance, but banks won't help if property is in foreclosure. It isn't my debt but I would honor it. But the company continues to rack up charges to make it next to impossible to get current. How can I stop the servicer and somehow save my parents home. My father was a XXXX XXXX in the XXXX XXXX. I also served in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter challenging inaccurate information to all 3 Credit Bureaus including the creditor listed. The challenge is on 2 XXXX XXXX accounts listed on my credit report that are both, " Charged Off ''. I've sent several challenges over the last 36 months regarding the balance being inaccurate and verification method of the dispute the last being XX/XX/XXXX. The first XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$1000.00}, High Balance of {$1000.00}, Charge off amount of {$1000.00}, and past due balance of {$1000.00}. The second XXXX XXXX Account shows date closed XX/XX/XXXX with a balance of {$980.00}, Charge off amount of {$980.00}, high balance of {$980.00} and past due balance of {$980.00}. I've received notices back from all 3 bureaus XXXX, Trans Union, and XXXX stating the accounts have been verified and they remain on my credit report. I've also sent several challenges to XXXX XXXX and they've responded with the they're not are what I'm challenging and to contact the Credit Bureaus but the bureaus tell me to contact XXXX XXXX for any discrepancies. Both accounts were updated by all 3 Bureaus XX/XX/XXXX with the same errors and no method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurate ; this is my third time requesting this agency update my consumer report. My report is vital to my life and personal reputation. I'm exhausted and stress every day this account reflect my Consumer Report negatively.
Product: Debt collection

They call more then once in a day I have told them that they are being rude and hostile towards me they continue to call
Product: Bank account or service

I submit a complaint against BOA through CFPB ( Case number : XXXX ). BOA has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my BOA account closed and I submitted a copy of the police report to BOA stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against BOA, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called BOA asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because BOA has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to BOA to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue BOA. BOA file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties BOA and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. BOA and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? BOA need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by BOA and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ssn XXXX dob XX/XX/XXXX. this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you Experian reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a car loan from " XXXX XXXX {$13000.00} '' opened on XX/XX/XXXXXXXX 

A credit card XXXXXXXX XXXX {$2700.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX XXXX {$19000.00} opened on XX/XX/XXXXXXXX  a personal loan from XXXXXXXX XXXX {$8500.00} a personal loan from XXXXXXXX XXXX  {$7500.00} I do not recognize the aforementioned account or collection account. this account that is reported by Experian was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.
Product: Debt collection

XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.
Product: Credit reporting or other personal consumer reports

I have requested ORIGINAL CONTRACTs from companies on my Collections/Closed accounts showing on XXXX XXXX and TransUnion. I have never received them, and now these closed accounts are showing on my Credit Report. 

Inaccurate/Unknown charges Showing on my XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These lenders have accessed my credit file and should have been removed From the XXXX report Since XX/XX/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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Debt collection

XXXX XXXX Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
Product: Checking or savings account

XXXX XXXX XXXX for {$130.00} and {$340.00} should be credited to me.
Product: Credit reporting or other personal consumer reports

This Complaint serves as a follow-up to a dispute I submitted on XXXX regarding inaccurate information in my credit report. The disputed information concerns XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am writing to inquire about the status of this dispute, as I have not received any updates or confirmation that the investigation has begun. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a timely investigation into any disputed information in my credit report. 15 usc 1681e ( b ) and 15 usc 1681 ( i ). I authorize Consumer Financial Protection Bureau to receive Proof of the Charged-off accounts. Please provide the CFPB with everything you would send me the consumer.
Product: Debt collection

There is no contract or agreement that I owe the XXXX or its collectors any money. I've disputed it a million times in person, email and via phone. 

Yet collections is now after me for amount I donot owe for the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX-XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion, XXXX and XXXX about the personal infomation pertaining to my name and my address. Due to the incorrect info on my report it is causing me to lose out on career opportunities as well as housing myself and my family. My name is XXXX XXXX XXXX, I go by no other name. My address is XXXX XXXX  XXXX XXXX XXXX. Past address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX there should be no other addresses listed for me. XXXX has a least 10 wrong address listed. Under the 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

There are collection account on all three that are not mines. Please Update and remove them from my reports.
Product: Mortgage

My wife and I will be submitting for the third time this year for the same problem our mortgage company has a website, that states, you 're payments will be recognized on the date submitted, and for the third time this year we have received a default notices,
Product: Credit reporting or other personal consumer reports

Date:XXXX Subject : REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY Inquiry made by Inquiry made on : XXXX To Whom It May Concern I am writing to dispute the following information in my file. I recently received a copy of my credit report, and! :, notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act : {$720.00} ( was credited toward the error debt ) as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation ; and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please : send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so il may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit : inguiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my : credit file ( XXXX XXXX XXXX XXXX from XXXX XXXX  ) Please be so kind as to forward me documentation that you have had the unauthorized inquiry : removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. : According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. : Your immediate attention to this matter is appreciated. Thank you XXXX XXXX
Product: Debt collection

I recently got a collection with paramount Recovery Services. I never received notice or any communication in regards to this account. I also do not recognize this, I have insurance and go to my personal doctor who requires any payment upfront if my insurance does not cover it. This is not mine and it needs to be removed.
Product: Mortgage

I applied to Better Mortgage for a refinancing of the mortgage loan on the rental property that has been held in my late husband 's trust for over 12 years. They gave me pre-approval and a loan estimate. Then, they started demanding over and over again that the loan had to be closed in my trust, not my late husband 's trust. This would make my trust responsible for the loan not my late husband 's trust and violate the terms of the trust. Two estate attorneys and XXXX XXXX XXXX official have informed me the very accepted legal practice for recording this type of loan is to record the loan in the deceased person 's trust with the trustee listed on the loan which is me. But Better feels it does not have to comply with normal legal practice. This is just back door age and sex discrimination because there is no evidence properties held in the trusts of deceased persons long term have any more default risks than other properties. As the trustee, I have excellent credit, XXXX XXXX in liquid assets and adequate income to quality for the loan. PER XXXX, THE PROPERTY IS WORTH MORE THAN FIVE TIMES WHAT THE LOAN AMOUNT WOULD BE!!!! It is also in XXXX, XXXX which has sharply rising rents and property values, a great school system, the highest per capita household income in XXXX XXXX and is home to a very large XXXX XXXX and XXXX facility. Even if we had another XXXX XXXX the property would be worth more than twice the loan. The real reason they want the loan recorded in my trust is so when I die Better can invade the principal of both my trust and my late husband 's trust. Indeed banks and other lenders stealing from the trusts of the deceased is becoming more and more common.
Product: Debt collection

Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We had some late payment on out account due to the Covid 19 Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.